davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I send a fed fund wire from XXXX XXXX to pay them. XXXX $ XX/XX/2024 and they still have not applied it to the principal and interest for XX/XX/2024 payment. 
Complaint Description Loan # XXXX daughter was XXXX  with her XXXX and the XXXX  was placed in the XXXX at XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2024. My daughter and the baby XXXX XXXX XXXX and I had to take care of them both. I work for XXXX and was out of work taking care of my family. During that time, I fell behind on my mortgage payments. which they I am behind XXXX, XXXX, and XXXX can be paid as late as XX/XX/XXXX, XXXX applied for financial help XXXX days ago from Select Portfollio Services ( " SPS '' ), and they immediately sent me this letter. On XXXX XXXX, 2024, at XXXX, Select Portfolio On XXXX XXXX, 2024, at XXXX, Select Portfolio Servicing XXXX wrote : Dear XXXX. Urgent! After several attempts we were unable to reach you regarding past due balance of your mortgage loan account. So hereby, this is to inform as according to legal terms this is a final reminder on date XX/XX/2024 to vacate property before sale date. We have been through your track records, and you seem to be a genuine person. So we are giving you a final chance to resolve this issue and keep your property. If we still fail to receive any communication and payment from your end, we will have no choice rather than auction your property on above date. According to records of your mortgage loan account, a Foreclosure sale date has been recorded and scheduled for XX/XX/2024 on the property located at.Your current mortgage is at risk of being foreclosed on and auctioned. With our new foreclosure prevention program, we will help you stop any and all sales dates and help you get current on your mortgage loan account. As direct lenders, we offer XXXX and XXXX position loans, where you can keep low-interest rate in place. After having assessed your property and current loan and due to the high market and higher equity in your property you are eligible for a new private loan that will help.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX of this year, XXXX. My debit card was skimmed at a location unbeknownst to me, and I don't know the exact location where it happened. The skimming device was able to capture all the info needed and then they proceeded to withdrawal {$180.00} from an ATM machine located in a city not too far from me. They withdrew this amount twice, simultaneously at XXXXXXXX XXXX. on XX/XX/XXXX. My debit card is issued through PayPal, and I have contacted them numerous times via message center and phone call. They have stated since my PIN for my debit card was used that I must have done this transaction. I informed them it was not me, that it was unauthorized. I was then told that in order for PayPal to reimburse me the amount I needed to file a police report to prove it wasn't me or whatever proving they needed from that. I filed a police report, gave them all the information and then they proceeded once again to suggest that there's no way this could have happened, it must have been me and now on top of the police report they want me to go into the business where the ATM machine is located and ask for video recording from their security cameras. So then I informed them obviously that I am not a law entity and I have no right to do so but I will try, and I did. As I suspected they weren't going to just give me any kind of video so on and so forth and PayPal has just pretty much assumed it had to have been me, basically accusing me when it wasn't me. All PayPal has done is just told me that rest assured that they will look into the problem and investigate it and yet they have done no such thing nor have they tried to reach out again regarding any of it I've had to do every bit of leg work, investigation for this. And then they deny or act as if there's no such thing as card skimming and they have no clue what that's all about. I have all of my chat history with PayPal about this, my police report so on and so forth. Every bit of evidence proving showing that it was not me and that in fact indeed was somebody else who had skimmed my card
Consumer complaint received 2023-01-24
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (NY)

plase help me to citibank review and relly check since I have been different branches and people were trying to help i Need my money I am XXXX XXXX  with XXXX ansd XXXX with no money to go to court since XXXX at XXXX XXXX and even people at citibank told me But poor or working people like me can not affort to paid it
Consumer complaint received 2023-02-28
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUMMIT FUNDING, INC. (CA)

My property includes two permitted houses : one a manufactured home, and one stick-built. I bought the property in 2003, living in one unit and renting the other. For the past five years, I have been trying to refinance my original loan, but in spite of excellent credit, etc., I am being prevented from taking advantage of low interest rate refinancing. 

I had no problem getting my original loan, but now all loan brokers turn me down, because XXXX and XXXX do not have a " guideline '' for lending to this type of property. They have a " guideline '' for residential property with two manufactured homes, a " guideline '' for two stick-built homes, but no " guideline '' for a property with one of each. 

I have tried to contact XXXX and XXXX but did not get very far. One broker even lodged a request with XXXX and XXXX to develop such a guideline. She said that there have been multiple requests for this action over the past few years, with no results. 

I have no idea how else to pressure the agencies to resolve this issue, but I am extremely frustrated at being stuck in a higher interest rate loan, and not being able to secure a refinance or a HELOC, especially as I near retirement age.
Consumer complaint received 2021-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been working on getting feedback about a few account reporting on my credit report. I have been reaching out to XXXX, Transunion and XXXX for a few months now and have received no response. I mailed out my final letters on XX/XX/2021. Each of the letter mailed out on XX/XX/2021 were sent certified. Tracking number listed below : XXXX XXXX XXXX The items in question are : XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  ) ( XXXX ), XXXX  XXXX  XXXX  I ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), XXXX  XXXX ( Original Creditor : XXXX  XXXX  ) ( XXXX ) Please have the Transunion, XXXX and XXXX delete these items from my credit report immediately
Consumer complaint received 2022-10-08
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. (OH)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OR)

Good Morning, This debt has been settled and paid multiple times. However XXXX  XXXX  and XXXX  continues this fraudulent behavior. I have tried contacting them, along with Equifax. These were all settled in XXXX or 2015. For {$1700.00} {$2700.00} and {$2000.00} which were negotiated and paid with XXXX XXXX XXXX in XXXX XXXX. This has caused me to go homeless because of greed.
Consumer complaint received 2019-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kramer & Frank, P.C. (KS)

Kramer and Frank XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX I had an account sent to collections to be managed by K & F. In my several attempts to reach customer service and their office manager, I left MANY voice and emails which went unanswered for days. Finally, upon reaching the office manager, XXXX XXXX, on XX/XX/XXXX, I was able ( after several attempts ) to make a payment via a direct debit from my checking account which satisfied the entire debt ( {$3600.00} ) and effectively closed my account with K & F. I received both verbal and written confirmation of this from K & F. However, on XX/XX/XXXX, K & F garnished my paycheck ( {$530.00} ) AFTER my account was satisfactorily closed. Upon dozens of attempts to call, leave voice mails, and emails for customer service and the office manager, XXXX XXXX, to receive a refund of the money they now owe me, not a single phone call or email was returned to me. It has now been over 14 business days/three weeks after my account was satisfactorily closed and K & F illegally garnished my paycheck, I still have not received any form of communication from any individual or employee of K & F to address the refund owed me. This absolute lack of customer service and communication is unacceptable. They seem to be available at best sporadically to take money owed to them, and they are available NOT AT ALL to refund money they owe to you.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

I am a victim of Identity Theft ; someone has stolen my information and opened several accounts. I have had no knowledge of these accounts. I have requested validation, made pursuant to the Fair Debt Collection Practices Act which is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligations to pay these accounts and have received no response. It is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, if this debt can not be validated it must be requested that all credit report agencies delete the entry.
Consumer complaint received 2021-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I want to file a complaint against Citibank MasterCard regarding the application of my payment. They received my payment on the XXXX of XXXX for {$600.00}, cleared my bank next day. On Friday XXXX, the payment still had not been applied. I asked how long, did not get an answer. I asked for a supervisor. Supervisor stated, AND I XXXX " the reason they are waiting to apply it is because you were late once in a payment ''XXXX XXXX They confirmed they received it, yet are, waiting to apply because I was late years ago, ONCE IN 15 YEARS??? This is not right! They are purposely holding the payment to charge more interest which is illegal. Another example, last month same issue. I made my payment the same time of the month last month, yet it was not applied until the first of the following month, NEARLY 2 WEEKS LATER!!! Something needs to be done about this! This is not fair or legal! Id understand if the payment was late, but it was actually EARLY! They are punishing me, and most likely others, with the assinign excuse that I was late on ONE PAYMENT IN 15 YEARS!! THIS IS XXXX!!
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I called XXXX in reference to them reporting the payment history on the account due to receiving correspondence from XXXX and Experian saying that they could not locate a credit file for me. I spoke with a rep from XXXX XX/XX/2021 around XXXX XXXX  CST. They pulled my record and said that within 48 hours I would be contacted due to my issue. I was told they report your payment history to the credit bureaus at the end of every month. The rep could not understand why I was having this issue of not having a credit file. She said I have been paying for two years, no late payments, payment history is excellent according to their website. So how do their reasons apply to me as far as not having actively used credit in the past ten years, have not applied for credit recently or have not lived in the United States or have not been issued a U.S. Social Security Number. 

This is outrageous because I just pulled my credit scores on XX/XX/2021 showing the balance for car payments from XXXX on XXXX website. So far I have not received anything from XXXX yet, but if I do I will upload that correspondence information also. 

I did not try to fix this issue because I just found out about it.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (AZ)

I was unemployed due to COVID XX/XX/2020. 

On XX/XX/XXXX, I asked XXXX XXXX XXXXDOVENMUEHLE for a forbearance. It was granted XX/XX/XXXX. They said it would be for 3 months - XXXX, XXXX, and XXXX. 

I obtained employment in XXXX. I made a payment for XXXX, on XX/XX/XXXX. I called XXXX XXXX/DOVENMUEHLE to let them know I was ready to resume my payments on both my mortgage and HELOC. I also made a payment for XX/XX/XXXX on The HELOC. 
They have charged late payments XXXX XXXX XXXX and XXXX. 
I was told it would take 60 days for me to be removed from the forbearance. I aske and called repeatedly trying to figure out what was going on. I was told my XXXX payments were applied to my XXXX payments. When I was given the forbearance I was told the months of XXXX, XXXX, and XXXX would be applied to back of my loan. Instead, they have reported me late on both accounts every months since XXXX and continue to report me late. 
I made a payment XX/XX/XXXX and they applied that payment to XXXX instead of XXXX. Still reporting me late XXXX months and will not acknowledge the forbearance I was granted. I believe they are trying to force me into foreclosure. As a senior, I feel I've been duped. 
I have called over and over and no one will correct this issue.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (OR)

Good Morning, This debt has been settled and paid multiple times. However Fair Collections and Out continues this fraudulent behavior. I have tried contacting them, along with XXXX. These were all settled in XXXX or XXXX. For {$1700.00} {$2700.00} and {$2000.00} which were negotiated and paid with XXXX XXXX XXXX in XXXX XXXX. This has caused me to go XXXX because of greed.
Consumer complaint received 2019-09-05
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. (DC)

I have several DEPTOF XXXX accounts that are reporting inaccurate information. They are reporting 90 and 120 days. On-timeXX/XX/XXXX, 90 days late XX/XX/XXXX and 120 days late XX/XX/XXXX. There are 30 or 31 days in a month. I sent to proof and instead of correcting the error or deleting the account. 

Thy continue to update now 120 days late is reporting XX/XX/XXXX when the account was closed/transferredXX/XX/XXXX
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I reached out to Experian and requested that old addresses and addresses that I have never been associated with be removed from my credit report because I don't have access to these properties and I don't want to become a victim of identity theft because Personal information may go to these addresses. I provided them with my current address that I have resided at for 3 years. Gave them my Drivers License and a water bill to so proof. In the end they kept the addresses on there. There report number was XXXX date XXXX.
Consumer complaint received 2023-11-02
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: EQUIFAX, INC. (NJ)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for.I 'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account is unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that need to be investigated and correct : XXXX XXXX Balance : $ {$16000.00}
Consumer complaint received 2021-09-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

I sent 4 letters asking for validation of debt, on the dates XXXX XXXX XXXX No Response of Validation ... Also sent a letter of failure to validate on XX/XX/2021. Received a bill for XXXX. This Company refuse to validate the debt for 4 months now and continually reporting on my credit file.
Consumer complaint received 2021-09-26
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: DYNAMIC RECOVERY SERVICES, INC. (GA)

I have mailed a certified letter to this collection company requesting validation of the debts placed on my credit report. I recently mailed a letter in which they received either XX/XX/2021or XX/XX/2021. In this request for validation, I requested validation within 30 days pursuant to the fair collection practices. They have failed to provide any information to validate the debt. They also continue to report negative information on my XXXX  credit report.
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

I've reached out to this company about this debt, I have no contract or obligation to pay a debt to this company. This debt is not mine and I have no obligation to make said payment to this company. I have asked this company to provide evidence that I owe them a debt and they have yet to do so. I've asked this company not to reach out to me and they are continuously emailing me and sending mail which is harassment, which is a violation of15 USC 1692 ( c ) of the Fair Debt Collections Practices Act.
Consumer complaint received 2022-10-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America prepaid card services unauthorized use of card disputed it with claims department with the prepaid side of Bank of America submitted police reports everything that was requested of me by claims department and yet still have not received insurance money for the unauthorized year so XXXX fraudulent use on my account it was proven by law enforcement and still did not receive my credits back to account