davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/2021 we received a letter from Select Portfolio Servicing with a mortgage assistance plan to make double payments for the next 12 months to get back on track.

I can provide the letter which states the following : " Right to Appeal You have the right to appeal any non-approval for which you believe an error has occurred by providing a written explanation of why you believe our determination was incorrect, along with all supporting evidence, within thirty ( 30 ) days of the date of this letter to : Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX You have thirty ( 30 ) calendar days from the date of this notice to contact SPS to discuss the reason for non-approval. No foreclosure sale will be conducted and you will not lose your home during this 30-day period or any longer period required for us to review supplemental material you may provide in response to this notice. If a foreclosure sale has already been scheduled, we will instruct our attorney to file a motion to postpone such sale. It is possible however that a court will deny the motion and the sale will proceed. '' On 4/21/2021 I sent and email to Select Portfolio Servicing requesting an APPEAL. and after speaking with our Relationship Manager on the phone, he gave me the instructions and what to include in my appeal email.

After 4 weeks I received a from an attorney stating our property would be sold on XX/XX/2021 at a public auction. A few days letter I received a letter from SPS stating my application for assistance was 'WITHDRAWN ''. The next letter I received from SPS stated that I was no longer eligible to mortgage assistance? I was perplex and devastated by the response as I was only following the instructions I was given in the letter. If the APPEAL was not an option then why would the suggestion be included in the Mortgage Assistance Letter dated XX/XX/2021? 

I just want a chance to make the payments and get my mortgage back on track. Select Portfolio Servicing stopped taking my payments and returned my payments I made in XXXX and XXXX. SPS has serious communication issues and drastic collection methods. We are a minority family trying to keep our home of 14 years. Our kids are getting ready to start high school and it would hurt their development by having to change schools. 

I am not asking for something that SPS was not willing to offer. They offered us a very difficult method to get back on track but it was the only offer so of course we want to start making the payments. Please help as they have scheduled the foreclosure on XX/XX/2021. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-05-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Company has misrepresented facts over and over. They have stated that XXXX insist that the escrow account remain open, appraised home in discriminatory manner and now refuses to adhere to law and appraise home for the correct value that it should have from the beginning. Now to add insult to injury they file a false Escrow Disclosure Statement in retaliation for insistence that home be appraised for its true value as the homes on left and right have and do appraise for $ XXXX {$370000.00} so therefore our home which has more updates should appraise their or higher. They have stated knowing to be untrue to XXXX states an escrow must remain XXXX has stated verbally and otherwise that this is not the case and that this is XXXX  call not them. We have paid our Hazard Insurance for the past two years in full at all times paid up for the whole year never has XXXX had to pay and they still will not fix their errors. Now dated XX/XX/2021 an disclosure for Escrow was mailed stating what was paid by us ( home insurance is paid up for this year and next year and XXXX is aware ). Truth in Lending requires that this escrow be accurate and it is not. This is paid in full and therefore can not be added to the Escrow account as thought it is not. There is an expectation of honesty in holding and recording escrow funds and this is clearly violated. ESCROW ACCOUNT BALANCE SHOULD BE BACK TO WHERE WE STARTED EVEN LOWER WHY DOES IT KEEP GOING UP THIS IS RETALLIATORY
Consumer complaint received 2021-05-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2021-05-25
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. (PA)

Hello, I am requesting the following information get deleted off my credit report.The items I need deleted are listed on the word document attached. 

I am a victim of identity theft and did not open said accounts listed on the word document provided. I ask that all items ( fraudulent accounts and inquiries ) be deleted off my credit report. 

I already reported the theft of my identity to the Federal Trade Commission. 

I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Please note that I am submitting this request on behalf of myself. No third party is involved Thanks in advance for your time.
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (FL)

On XX/XX/XXXX, I submitted to transfer XXXX XXXX from my Binance.US account into my personal savings account via ACH transfer. 

Per the process described in the FAQ, a verification email ( via XXXX ) was to be sent to my email address for me to confirm the transaction, after which it would be processed. If the verification email link was not clicked within 24 hours, transaction would be cancelled and funds would be released and remain in the binance.us account. 

An email was never received and this transaction has been in pending status since XX/XX/XXXX - over a month. 

I have submitted multiple support tickets and attempted to escalate my ticket with no success. I have also contacted XXXX which referred me back to Binance support. 

I have contacted my bank. Bank has no record of an incoming ACH attempt. 


I have since used the ACH transfer to transfer a small sum to this exact bank account as a test - this transaction was successful and the XXXX email was received in this instance. This shows that there is no error to the setup or bank account it was directed to. 

These funds have been held from me for almost a month causing financial harm.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (GA)

I asked Experian to investigate the listed accounts on XX/XX/XXXX, my request was granted they immediately started to investigate all accounts listed. Two months passed before I received a update. On XX/XX/XXXX I received my updated credit report stating that XXXX out the XXXX accounts in question we 're deleted. I have uploaded the original request that started the investigation and the updated credit report. I called Experian a few days later because I had a few questions about my credit report and that 's when I was informed that the reason the accounts we 're deleted was because the creditors did not reply in a timely fashion. On that same call I was also informed that on XX/XX/XXXX the XXXX deleted accounts we 're added back because the creditors wrote requesting the accounts added back, even after the allowed time by law had passed. I think Experian broke the FCRA. Please advise.
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Back in XXXX of 2023 I had realized that Bank of America sent me a check refunding me for overdraft fees that I shouldn't have paid in the form of a check they sent to me to my mailbox, that check was stolen out of my mailbox forged and cashed. I realize that and I called and made a claim back in XXXX of 2023 they never sent me the paperwork or sent the paperwork to the wrong address and so they closed the claim because I didn't fill out the paperwork and send it. So then in XXXX of 2023 I called to find out what was going on with it and they said it was closed they resent me the paperwork I filled it out the day I got it and send it back in now it's been God knows how long I still haven't gotten anything back they have continuously told me they were going to get working on it but every time I called in they couldn't find it and I spent 2 hours on the phone with them every time find the about a month ago I talked to a lady who dug into a deeply you figured it out and they have been literally giving me the runaround every time back forth back and forth back and forth on every time I spend 2 hours on the phone with them trying to find out what's going on they have not fix this issue they have not giving me a refund for that check and they are saying it's taking 90 days well it's been longer than 90 days I've been dealing since XXXX of 2023 and just need my money please help me. Also to add back in XXXX when I received the paperwork they wanted me to fill out they said that I had put the wrong claim number on it but I literally copied the claim number that they sent on the paperwork for me to fill out copied it from there to the ones I needed to fill out so how could it have been wrong and there's also change the claim number I believe to get it so they can get it under their time frame of when it's supposed to be done and they've literally screwed me around
Consumer complaint received 2021-05-25
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: EQUIFAX, INC. (GA)

I have received a copy of my credit report from XXXX that currently still show inaccurate information and incomplete information listed on my credit report. I have sent 3 request to XXXX for an investigation of the alleged public record listed of bankruptcy. I have received a incomplete and unverified information back from XXXX states that alleged public record verified per data furnisher. XXXX have failed to advise how the alleged public record listed of bankruptcy was verified. I understand that per the law of FCRA under permissible purpose. I have not given any furnisher the right to release such alleged information. I am deeply conflicted with this inaccurate or incomplete information. I request further investigation to the matter and request lawful reply.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (VA)

VENMO REQUEST NUMBER : # XXXX I allege that Venmo intentionally constructs their website to *not* close accounts in order to frustrate people so much, they will just keep their accounts open. 

As a result of a news story regarding President Biden 's Venmo account, I decided to close mine [ XXXX XXXX XXXX  ]. However, Venmo would not allow me to do so. 

I used two browsers XXXX XXXX and XXXX  ) and I could not close the account using either one. 

I would get to the stage where I was supposed to review the Venmo Statement, but the website would not allow me to do so. It just kept saying " Loading '' and did that for about a 1/2 hour on each browser. 

As stated, I believe that Venmo intentionally frustrates people to prevent them from closing their account. I was forced to take the time to contact Venmo, wait for them to contact me days later, then go back-and-forth discussing the closing, then finally got it closed. Really?! 

With today 's technology they can't even just simply close an account?! 

If they can't make this work, why should anyone trust them with money?! 

They need to do what they say will do : close the account using their website. 


FROM VENMO : XXXX https : XXXX? XXXX -- XXXX & XXXX XXXX Close Your Venmo Account : In order to close ( cancel ) your Venmo account, please follow this link from a desktop computer browser and click Close my Venmo account '' at the bottom of the page. At this time, personal Venmo accounts can only be closed from a computer, not a mobile device or in the app. 

By canceling your personal account, your business profile will be permanently deleted ( if you have one ), and Venmo can not reactivate it. You also wont be able to create a second business profile associated with your personal account. Please note, you have the ability to cancel your business profile independently of your personal account. If you wish to cancel only your business profile, youll need to contact us. 

Youll need to transfer any funds in your Venmo account to your bank account before deleting your account, or return the funds to the sender. Any funds remaining in your Venmo account at the time you close your account will not be available to you without contacting us again. 

Please note, closing your account will not automatically transfer funds to your bank or return them to the original senders. If you have any incomplete transactions when you attempt to close, you will be prompted to address those transactions before closing your account. Once your account is closed, youll still receive one final transaction history email to the email address on file with your Venmo account, in compliance with federal regulations. 

Keep in mind that youll need to be logged in to close your account. If you need to reset your password, you can use this link to do so.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (PA)

Ref : XXXX XXXX XXXX / XXXX Approximately 6 months ago, I refinanced my mortgage from a 30 yr term down to a 15 yr term with XXXX XXXX XXXX. On XX/XX/XXXX, I received a phone call from XXXX XXXX with XXXX XXXX. Through further conversation, XXXX advised, I had a lot of built up equity in my home and asked it I wanted to hear about some great options that were available to me. I told him " I MAY '' be interested in a 10-15k home equity loan in XXXX '' XXXX replied, I'll email some information to you. The conversation was literally 1-2 minutes in length. 2 hours later it was revealed he did a HARD Inquiry on my credit WITHOUT my permission and sent me a sales contract. At no time, did we even discuss rates or actual options. How he obtained my personal information i.e. date of birth/social security number is through their database when I completed my 15 year refinance loan 6 months prior. I immediately contacted XXXX XXXX via telephone when I received the email and left him 2 voicemails asking him why he pulled my credit, but I received no response. The next day, I contacted his supervisor, XXXX XXXX and filed a complaint. XXXX XXXX seemed receptive and stated, XXXX XXXX should have never pull my credit based on our conversation. On XX/XX/XXXX, XXXX XXXX sent me an email directing me to send an email back to him requesting the credit inquiring be removed from my credit report. I also generated a complaint with the XXXX XXXX XXXX ( Upstate South Carolina ) who contacted the company and relayed all information. complaint ID XXXX A few days later, I received a letter in the mail from XXXX XXXX XXXX 's Attorney stating their company did no wrong doing. Furthermore, he stated he spoke to XXXX XXXX and who advised I gave him consent. This is a TOTAL Lie. So, the whole process with the XXXX XXXX XXXX was just He said she said, with XXXX XXXX XXXX not admitting their employee was wrong. In addition, they never removed the unauthorized credit inquiring off my report. It affected my XXXX credit score and will remain in effect until XXXX. I NEVER INSINUATED OR DIRECTED XXXX XXXX TO RUN MY CREDIT OR WORK UP A SALES CONTRACT. Respectfully, XXXX XXXX
Consumer complaint received 2021-05-24
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: Experian Information Solutions Inc. (CA)

There is one account on my credit report that is not mine I have never applied for anything like this or signed or used anything like this I need this removed from my credit account asap. 

XXXX XXXX - Acct # XXXX XXXX Amt {$6300.00} Date opened XX/XX/2017 2017
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding is reporting a debt on my credit file that I do not owe. I recently looked at my credit report and noticed this debt was reporting. I immediatley called and settled this debt with them. I was never aware that this debt had been sold to a collection agency as I never received any calls or notices. This violates my 30 day right to dispute under the FCRA and it needs to be removed. I am aware the LVNV Funding can remove this as they are the original furnisher and can report to the bureaus as they deem necessary. I have paid this account and am now asking they provide me with a deletion letter for the lack of notice and clear violation of my 30 day right to dispute.
Consumer complaint received 2021-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

PLease note this is continuation to my previous complaint about Citibank. 
Ref # XXXX. 
on XX/XX/21 at XXXX XXXX citibank made an " authorized '' entry to ALL my accounts and withdrew all my funds. These accounts included accounts of my children who are merely students.
Consumer complaint received 2018-06-12
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: Waypoint Resource Group, LLC (FL)

I have recently looked into a credit report and it shows a card that was open in XXXX from XXXX XXXX XXXX under my name. It was opened in XX/XX/2018 and is for $ XXXX.I have not opened any cards in my name and now it is showing not paid and is on my credit report. It is currently in collections. Can you please help me to know how to close this and not be against my report anymore. 

Thank you, XXXX
Consumer complaint received 2023-02-20
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: Experian Information Solutions Inc. (NC)

The items listed below are reported on my personal credit file and were found in my reports with Experian and XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX