davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

NOTICE OF ERROR The servicer must acknowledge receipt of a Notice of Error within five days ( excluding holidays, XXXX and XXXX ) after receiving the notice, rather than the twenty-business day period under the former law. See Reg X, 12 C.F.R. 1024 35 ( d ) 9effective XXXX XXXX, XXXX ). 
1 ) The mortgage servicer Select Portfolio Servicing , Inc. ( SPS ) deemed my application for loan modification complete as of XX/XX/XXXX, per the attached SPS correspondence dated XX/XX/XXXX. In said correspondence, it states that if any scheduled sale date is in place, SPS will contact the attorney to have the foreclosure sale postponed. SPS failed to reach out to their counsel XXXX XXXX XXXX to request a postponement of sale while the review of modification was taking place. 

2 ) Select Portfolio Servicing, Inc, ( SPS ) kept the sale date of XX/XX/XXXX, on record and denied the loan modification within 6 calendar days of completion notice. Although the notice states they may need roughly I am not convinced my loan was probably reviewed for all options. In addition to the denial, it states I could consider a Deed in Lieu as an alternative option to foreclosure. However, because of the sale date being in place, I was not provided the opportunity to apply for Deed and Lieu.

3 ) Select Portfolio Servicing, Inc, ( SPS ) also states in the same denial the right to appeal and the protection provided during the 30-day appeal period. Such protection mention are No foreclosure sale will be conducted and you will not lose your home during the appeal period and if a date of sale is scheduled, SPS would advise attorneys to postpone the sale. SPS failed to advise their counsel XXXX XXXX XXXX to postpone the sale scheduled for XX/XX/XXXX. 


4 ) The actions of Select Portfolio Servicing, XXXX are consistent with XXXX XXXX. XXXX XXXX occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. This practice violates federal law ( 12 C.F.R. 1 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict XXXX XXXX.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting Act, XXXX Account # : XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is to inform all credit bureaus and collection agencies what the law requires of the information I have required from my Credit report you Needs to provide me with that verification of each negative item showing in my credit report The items I requested is inaccurate not completed. I need all to be verified accurately XXXX XXXX Experian. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023 , XXXX XXXX XXXXXX/XX/2023 , XXXX XXXXXX/XX/2023, XXXX XXXX XXXXXX/XX/2023 , XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 2023
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have not had a proper investigation. I want a fair accurate report. my name is XXXX XXXX and I pulled my credit report back in XXXX last year. I been fighting with the creditors and credit bureaus for going on 6 months. I still have inquires That I didn't make, and accounts that'd reporting inaccurate information. 

I did not make these inquires XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I NEVER MADE ANY OF THESE INQUIRYS. 


Second there have been accounts that was deleted that was put back on my report without notifying me. That's unethical and its violating the law per fcra. 
XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Third there are accounts on my report that has not been properly verified. 
I received no proof.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I am a natural person of the United States of America : I believe in the laws of the land which is the US Constitution as well as the Congressional Findings. Experian is in violation of 15 USC 1681b ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX XXXX the consumer never gave Experian written contest to report anything on my consumer report. No consent is identity theft!
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Under 15 U.S. Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Responsibilities of furnishers information to consumer reporting agencies. I did not consent to unauthorized inquiry. ( XXXX XX/XX/2021 ) I demand it be removed immediately. I have filed several disputes and the inquiry is still being reported on my credit report. I feel I'm being taken advantage of and being ignored of my disputes. You are in violation reporting misleading, false reporting. Delete this inquiry immediately!
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have tried contacting the credit reporting agency because the inquiries on the credit report are incorrect and are not mine. Every time I try to contact them about it they refer me back to the agency and the agency refer me back to the credit reporting agency. I'm really tired of play tic tac toe with them about this. Its easy for them to put it on, but we catch it trying to get it off. I need the following inquires removed from my report because they are not mine. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Also there are things on my credit report that I have asked to validate and I have received nothing so I need them removed. Some are medical bills that needed validation and was asked to send them within 30 days and I have not received anything. I want them deleted off my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/2022, an unknown individual went into a XXXX  store and performed a XXXX swap, thereby taking over my cell phone number. They then hacked into my XXXX and Citibank accounts and completed a {$42000.00} wire transfer. When Citibank attempted to contact me ( via telephone call, email, and/or text message ), the unauthorized user was able to confirm the wire transfer, as they were receiving all communications sent to my cell phone number. I have reported the fraudulent activity to Citibank and XXXX. Citibank has yet to refund the money.
Consumer complaint received 2022-06-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

ON XXXX XXXX I RECEIVED AN EMAIL FROM " XXXXXXXX XXXX '' STATING I WAS CHARGED {$350.00} FOR SERVICE AND THAT IF I DIDNT WANT THE SERVICE TO CALL XXXX. I CALLED THE NUMBER AND " XXXX XXXX '' TOLD ME HE NEEDED TO ACCESS MY ACCOUNT THROUGH MY COMPUTER. HE THEN SHOWED ME A SMALL BLACK SCREEN TO TYPE MY NAME AND THE AMOUNT OF {$350.00}. HE OBSOLETED THE DECIMAL LEAVING AN AMOUNT OF {$35000.00}. HE TOLD ME HE MADE AN ERROR AND REFUNDED ME {$35000.00} INSTEAD OF {$350.00} AND THAT I NEEDED TO GO TO THE BANK IMMEDIATLY TO WIRE THE MONEY BACK. HE COACHED ME TO SAY " THAT HE WAS A FAMILY FRIEND ''. XXXX XXXX XXXX FROM WELLS FARGO ASSISTED ME. HE ONLY ASKED ONE QUESTION ... '' DO YOU KNOW THIS PERSON? '' HE NEVER PULLED MY 30YRS OF BANKING WITH WELLS FARGO HISTORY TO SEE THAT IVE NEVER MADE THESE TRANSACTIONS IN THE PAST. I WAS OBVIOUSLY IN DISTRESS AND HE FAILED TO PROTECT MY ACCOUNT. THE WIRE TRANSFER OF {$34000.00} WAS INITIATED WITHOUT EXTENSIVE VERIFICATION. XXXX COULDVE TAKEN THE EXTRA STEP AND ASKED TO PHONE A FAMILY MEMBER. 
I WENT BACK HOME WHERE XXXX XXXX PHONED ME AGAIN. HE TOLD ME " NOT '' TO ACCESS MY COMPUTER OR BANK AT ALL OTHERWISE I WOULD LOSE ALL MY MONEY. AROUND XXXX I CALLED MY DAUGHTER TO TELL HER WHAT HAPPENED. SHE IMMEDIATLY BECAME DISTRESSED AND RUSHED TO MY HOUSE. WHEN SHE GOT THERE I WAS ON THE PHONE WITH XXXX AND HE TOLD HER THE SAME, NOT TO DO ANYTHING. SHE KNEW THIS WAS A SCAM. WE CALLED WELLS FARGO FRAUD DEPT AND FILED A CLAIM. XXXX FROM WELLS FARGO CLOSED MY ACCOUNTS AND OPENED A CASE REGARDING THIS MATTER. WELLS FARGO HAS FAILED TO RETURN MY MONEY. I AM A RETIRED WIDOW AND THIS WAS MY LIFE SAVINGS. THIS IS ELDER FINANCIAL EXPLOITATION. THIS IS ELDER ABUSE AND HAS CAUSED EXTREME XXXX AND ANXIETY. I DONT FEEL SAFE OR SECURE BANKING WITH WELLS FARGO. IVE SPOKEN TO A PREVIOUS " XXXX XXXX '' EMPLOYEE OF WELLS FARGO AND SHE TOLD ME PROTOCAL WAS " NOT '' FOLLOWED TO PROTECT ITS CUSTOMER
Consumer complaint received 2022-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (VA)

I qualify for PSLF ; and have made 120 payments at this point. Fedloans is my loan servicer. I was told after speaking with the ombudsman that all my uploaded employment certification forms would be reviewed at the same time- however they failed to do so ; only reviewing one form. I would like a prompt review of all uploaded ECFs as I currently qualify for forgiveness. The wait time of 3-4 months is unreasonable to wait through again. Thank you.
Consumer complaint received 2022-06-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Ocwen Loan Servicing Account # # XXXX XX/XX/XXXX thru XX/XX/XXXX. 
During this time, Ocwen improperly calculated loan balances, misapplied payments, late charges, failed to correctly process escrow and insurance payments. Ocwen compounded these failures by illegally foreclosing on my loan and submitting an erroneous 2nd lien on the property.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/22 I attempted to make a transfer from my savings account, XXXX to a verified external bank account. The transaction was cancelled by American Express National Bank. They asked me to fax over account details confirming the external account ... which had already been done online. I faxed the details. I even added my credit union account as a backup. Now I am unable to utilize my funds at all as there is some sort of hold on them. These funds are needed immediately and to not be able to use them nor have been advised of this hold is not good. I need the hold removed so I can move forward with my transactions.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX - XX/XX/2019 - XXXX - I am requesting that the account be deleted from my credit report ( XXXX & TransUnion ). I was advised that the tradeline be deleted once I paid the balance. The account remains on both reports and reflect paid in full on one and settled on another. I also requested validation of debt from the company, but did not receive. I request that this trade line be deleted from my report.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

On XX/XX/XXXX at XXXX pm, I received a notification from Chime via text asking me if I tried to use my chime card for Apple.Com/Bill for {$99.00}. Within XXXX minute I responded " no '' and per the response message, the transaction was blocked. I reviewed my account right away and within a XXXX window, there were ( XXXX ) {$99.00} charges to XXXX and ( 2 ) {$19.00} charges to XXXX totaling {$930.00}. I immediately contacted Chime Support @ XXXX ( XXXX pm call was XXXX minutes ) and was advised that this was indeed suspicious and directed to call back as soon as the charges were no longer pending we would file a dispute. 

On XX/XX/XXXX @ XXXX am I contacted Chime at XXXX ( call duration XXXX minutes ) to formally dispute the charges. I was advised that the review process could take up to 90 days, but that should this take more than 10 days I will receive a credit for the amount being disputed. ( Regulation E. ) Dispute Number XXXX - within XXXX hours ( XXXX pm ) I received an email from Chime stating that the final determination regarding my claim has been denied, based on their investigation no error occurred and that no funds will be credited back to my account. I contacted Chime again and was advised to upload screenshots of the text I received from them asking if I made the charges to XXXX on XX/XX/XXXX along with screenshots of my XXXX Bill. This was sent via email to Chime Support @ XXXX pm. I called back to customer support and confirmed that this was received and the review process was being started. I requested any and all documentation that they used in this determination to be forwarded and received a generic email back stating that I will receive this within 10 business days. At XXXX am this morning ( XX/XX/XXXX ) I received an email from Chime stating that my request to reopen my claim has been declined due to not providing them with any additional information. I originally forwarded exactly what I was told to send and then followed up and called to confirm they had received this. 

This needs to be reviewed properly and there is no other determination other than Fraud as I did not make these charges.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX - XX/XX/2024 - This company remains as a collections on all three of my credit reports. I recently received a letter in the mail attempting to collect a debt for this same account from XXXX. When I spoke with the agent this month from XXXX, she advised me that they recently received the account in XX/XX/2024 and would submit a dispute to XXXX to verify debt. However, XXXX XXXX XXXX still remains on my report for the same debt and reports monthly of no payment received when they do not have the account.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.