davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
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. (AL)

I have contacted Experian several times for almost a year by mail to have a debt reporting by a company named XXXX XXXX  that I hold no contract with nor have I received services from. This company is reporting a collection account against my SSN in the amount of {$810.00}. I have requested verification of this debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for this alleged debt.
Consumer complaint received 2021-03-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 I sent a letter to the credit bureau disputing items on my credit report that were inaccurate. To date, I have not received any response in regards to my dispute. To my understanding, by law the bureau has 30 days to investigate my disputes and provide a response or the items have to be deleted. I thought I would have received a response by now because it has been over 45 days since my initial dispute, but that is not the case.Before submitting this complaint I sent a second letter demanding a response because I need to get these disputes resolved immediately. This process has been aggravating and I feel like I am being ignored because all the items I disputed are still on my credit report.
Consumer complaint received 2021-03-16
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: American First Finance, Inc. (AZ)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results since.
Consumer complaint received 2021-03-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Transaction date : XXXX XX/XX/2021 XXXX : XXXX XXXX  ( {$5000.00} XXXX XXXX : firstly they said they will not recover my funds and now they dont even reply my inquries I sent my XXXX XXXX worth of {$5000.00} from XXXX XXXX to coinbase exchange but by the system problem in coinbase they provide me XXXX address instead of XXXX address and my XXXX money has been stuck in XXXX exchange which is under coinbase and only coinbase can help me i am trying from more than XXXX weeks first they said they will not recover my funds and not they not even reply my inquiries i am feeling soo XXXX  and cant explain what type of problems i am facing please help
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (LA)

I spoke with XXXX XXXX XXXX # XXXX on XX/XX/XXXX and he took my application over the phone to refinance my existing loan. He quoted me a rate and terms and called back a few minutes later stating that the rates had increased during our call but would get the original rate approved and would get back to me later that day or the next morning. He has not contacted me or returned my repeated calls or emails. I also have not received any disclosures that are required to be mailed. I spoke to XXXX XXXX yesterday and requested to speak to XXXX XXXX supervisor and was transferred to another voice mail. I left a message and no one has returned my call.
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (GA)

No assistance has been offered to avoid foreclosure during this COVID pandemic. 
I received a notice of foreclosure dated XX/XX/2021 from their attorney on XX/XX/2021. I contacted the attorney to verify debt and they will send out information to confirm debt. I then contacted the Company on XX/XX/XXXX via email, they responded to my email requesting on XX/XX/2021, my phone number. I sent the information on XX/XX/XXXX and I have not heard anything from mortgage company. On XX/XX/2021, I spoke to someone from the company 's collection department and she stated she would call me back to see if payment arrangements would be acceptable. As of this date, I have not heard from the company 's collection or loss mitigation departments to assist me in avoiding foreclosure.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. ()

My ex-wife and I were divorced in XX/XX/XXXX. In XX/XX/XXXX she filed for bankruptcy and subsequently turned over the vehicle included in that bankruptcy to XXXX XXXX. After running my credit report in XX/XX/XXXXthe remaining amount of the vehicle loan, {$5200.00} was applied to me. The loan in its entirety was covered under her bankruptcy which XXXX XXXX confirmed with me. Since I was a co-signer, ex-wife being the primary they told me they could still collect from me. When I asked about paying it they informed me it was not payable and a closed account. They also informed me they could not remove it from my credit report. This is stopping from gaining employment in my field and purchasing a home. The {$5200.00} they are showing is the only debt showing in my report. Can you please get this removed. In addition on three separate phone calls the representatives have informed me they would provide me documentation stating the debt is no longer payable. That documentation has never arrived.
Consumer complaint received 2021-03-16
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: Resurgent Capital Services L.P. (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-07-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AZ)

Spoke with loan officer he had told me about rates and cost said there was a XXXX dollar origination fee to get started on loan then sent me a receipt in an email saying it was a loan application fee after getting all documents ibwas unable to pay through the portal I recieved docs on so he took it over the phone after receiving my money and all my docs takes him forever to answer texts messages if he does I believe when refinancing a home communication is very important if he dont communicate with me how does loan ever close they can walk away from loan of I fail to keep in contact and provide docs without consequence but want to keep my XXXX origination fee for producing nothing on the loan I feel I held up to my side of the loan and produced what was needed they produced nothing this company uses the XXXX deposit as hostage money so they can keep you locked on to them and dont stray for a better deal
Consumer complaint received 2022-01-03
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: Paramount Recovery Systems, L.P. (FL)

I, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' some report. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT to the following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S XXXX, AND PARAMOUNT RECOVERY SYSTEMS, XXXX XXXX XXXX have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe adeb, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my report.
Consumer complaint received 2021-03-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SANDY SPRING BANCORP, INC. (MD)

I have my HELOC on auto draft with Sandy Spring Bank in Maryland formerly known as XXXX XXXX I now bank with SSB, business and personal. I also have a mortgage and HELOC with them as well. I was with XXXX XXXX before the merger. In XXXX of XXXX XXXX bought XXXX XXXX. During the two banks merger, I had numerous payments on eft ( at XXXX XXXX  ) that did not transfer over. Nobody called or let me know from SSB that they had an internal problem and eft 's were not going through. I found out when creditors called and told me I was late. I explained I was on eft and was able to rectify the problems quick and without penalty 's on my credit report. When I called SSB they admitted they had eft problems. This takes us to my case : I had my HELOC on auto draft with XXXX ( now Sandy Spring Bank ). Sometime in XXXX SSB removed my auto draft without letting me know. This caused my auto draft payments to not go through and create a 30 day late payment. SSB never contacted me all the way through XX/XX/XXXX until I got a notice from my credit agency that I was 30 day late. I had to reach out to SSB and ask what happened. They didn't know and couldn't explain. I then wrote a letter explaining this was a misunderstanding and polity asked to remove it. I was trying to be diplomatic and not point blame at SSB since we don't have a good prior relationship. ( I will explain in the next paragraph ). My payment amount is {$570.00} per month. It is an internal transfer or auto draft within SSB. Between all my bank accounts with SSB there was plenty of money to pay the payment. SSB is nutritious for calling when something is wrong. Nobody called, no letters, nothing explaining auto draft has been removed still to this day. I was completely blindsided by this almost 3 months later. Before this incident I had 0 late payments on my credit and a XXXX score. Now it is XXXX. 

I'd also like to note that I had significant problems with SSB prior to the banks merging. This dates back to XXXX. My business banker played a lot of games with my accounts. At one point SSB settled out of court with me for some unscrupulous activates involving posting debits before credits. Not long after the settlement my business banker rejected my payroll in retaliation. They had never done that until the settlement. For that reason I had left SSB a few years ago, and moved all my banking to XXXX XXXX. To my dismay, SSB ended up buying XXXX XXXX  and I was right back where I started. Within 90 days, my current case happens and I fell once again into this retaliation trap from that same person.
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (TX)

My XXXX, XXXX XXXX, applied to multiple different Credit cards in diffrent companies without my knowledge. He financially abused me and did not let me have access to see the debt on the credit cards. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX XXXX. I have filed a police report that is attached. I have filed fraud for the cards as well.
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (DE)

On XX/XX/XXXX, a Specialized Loan Servicing ( SLS ) agent called me and advised that I was behind on my XX/XX/XXXX payment. The agent advised that due to the COVID-19 pandemic, I would qualify for a 3 month forbearance that would begin XX/XX/XXXX and the payments that were under forbearance could be placed to the end of the loan. I agreed to the forbearance and it was approved. Throughout the next year and a half, I was offered to extend the forbearance by the SLS and I accepted ( as my income was limited due to reduced hours ). In XX/XX/XXXX, I contacted SLS because I wanted to know how I would resume payments. I spoke to XXXX who advised I would have to request that the payments be placed on the back of the loan from the investor. He stated he would put in the request. I continued to call back multiple times over the next month and spoke to multiple reps who advised the deferment request was still processing. On XX/XX/XXXX and spoke to XXXX who advised that I would have to make a payment in order for the deferment request to be submitted- I made a {$1900.00} mortgage payment on XX/XX/XXXX and after I was told multiple times that the request was processing, I was finally advised on XX/XX/XXXX by XXXX from SLS that I did not qualify to place the payments to the end of the loan because my account was deliquent in XX/XX/XXXX. I asked why would I be advised that placing the payments to the back end of the loan was an option if I didn't qualify at the time. XXXX advised that things changed during the course of the forbearance and she could not explain. If things changed, why was I not made aware? XXXX advised that I should fill out the modification paperwork and send it in. 
I filled out the modification paperwork and sent it in to SLS and was contacted by XXXX from SLS on XX/XX/XXXX asking who advised me to fill modification paperwork because I did not qualify for a modification. I would only qualify for a deed in lieu or short sale option. 
If I were not given misinformation initially about the forbearance payments possibly going to the end of the loan, I would have drawn against my retirement while I was being considered for a furlough and paid my mortgage while I was out of work/had reduced work. SInce I thought payments would go to the end of the loan, I did not consider that option. Now, I am being told that my loan will go into forclosure. I feel that mistakes were made by SLS and now I am paying for it. I have called and requested to speak with an SLS supervisor several times and have been promised callbacks that never happen. I feel like this was a plan by SLS to obtain my house malicious means.
Consumer complaint received 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA XXXXection 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have a active sale date of XXXX XXXX / 2021 Which is next Monday Today date is XXXX / XXXX / 2021 In 7 days my home is set to sell and SLS is playing game All of their attempt is to say There wasnt enough time to review my application so they have excuse to sell my home fraudulently They send me application again and gave me until XXXX / XXXX / 2021????????? 
To complete I already send them application on XX/XX/XXXX by email and fax What happened to it????? 

I have sale date on XXXX / XXXX / 2021 Typical SLS Sloppy toy around No accurate information Doesnt know nothing about my situation Only what they are best in Foreclose on people period. 

This is how they operate
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I pulled a copy of my credit report and accounts i have in good standing that are paid to XXXX balance show late and delinquent status on my credit reports. I have provided receipts in the documents. The accounts listed below need updated to report accurate information the bureaus are required to report accurate information these need updated XXXX XXXX XXXX  XXXX XXXX XXXX 2 ACCOUNTS SST PLEASE UPDATE THE BALANCES WITHIN 30 DAYS.
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MA)

I used my Chase credit card to purchase a large food order at a drive through restaurant while on a long distance drive. About an hour later, we opened the bags to find that it was the wrong order and was significantly less food than what we had paid for. I called the restaurant and the manger told me I would have to go back ; I explained I was already an hour away and I was not going to be in that area again. So I tried to dispute the charge on Chase.com. I kept getting errors and messages to call Chase Customer Service. I called Chase Customer Service and was told by the rep that she had filed the dispute and that I would get a message to confirm. I never received the message and no dispute was filed. The app still won't let me dispute the charge ( error message ). I have been leaving messages ( via mobile ) for about a month, with no replies from Chase other than " we will get back to you ''. It is ridiculous. I will be closing all of my accounts with Chase but I want this charge removed before I do so. This is absolutely terrible customer service and I will never do business with Chase again.
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (MI)

I have a paypal 2 % cash back master credit card, and because it offers 2 % cash back of any purchase without limits so I make almost all the purchases with this card. Because the credit limit on this card is low, and I contacted the agent and was told I can make the payment before the due date so that I will have the credit available once my payments get posted to the account and I can continue to use this credit card. So on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I made 3 payments, and contacted Paypal to see when my payments will be posted so that I can get some credits available to use on this card, and was told the last payment would be posted on XXXX. Today, XXXX, I got a call from a third company that I set auto payment with this paypal credit card and said the transaction was failed, so I called paypal. I was told my account was closed on XX/XX/XXXX because of the irregular payments ( without my authorization ). First of all, the payments were made with the same bank accounts and second, I notified paypal those payments and asked for the posting dates. Now, because they close the account based on their term, I lost all the rewards which I kept saving for long time and never redeemed which is at least {$1000.00} and get late charges because of the autopayment set up. I was told they can close the account anytime without verifying with me with any reason.
Consumer complaint received 2021-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Central Credit, Inc. (NM)

I received a bill for XXXX from Continental Central Credit , Inc supposedly for XXXX XXXX. I called this collection agency and they do not answer their phone. I called XXXX XXXX and they said I have a XXXX balance and will be sending me a statement. The hospital where I receive XXXX XXXX was hacked and medical and personal info was taken. I think this is a scam so they could get a small payment and then use this info to drain my account.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

There are over XXXX unauthorized inquires for credit cards, bank accounts and auto loans with someone unknown to me using my name to try and obtain lines of credit. I need help removing these many many credit inquiries off my credit file. 
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