davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

SPS Servicing. - Failed to help with foreclosure assistance, I have tried numerous times to explain my situation and SPS has failed to provide the required assistance to avoid foreclosure. During the assistance review, I was behind in paying my mortgage due a reduction in income and expenses due to family member losing their jobs. My mother also contracted XXXX XXXX and because of her medical issues, we incurred medical bills. When i applied for a foreclosure assistance, they sent me a modified payment plan with double the payment that i was accustomed before XXXX XXXX. This is totally unfair, they did not request my current paycheck or current finances to determine the prepayment plan. This is totally unfair especially during this tumultuous and hardship times that me as a single parent has to endure. The clear guidelines is to assist Homeowners in managing their payment after they return back to work, At the moment they call on odd hours threatening legal action. This is so unfair. I also applied for a subordination agreement and they failed to provide one citing numerous excuses and thereby ending up with me missing my chance of applying for a refinance with their denial of a subordination agreement. I have called several times and all the supervisors have no idea why the subordination agreement could not be issued, they promise to return call and never return the calls. Please do not ever use SPS servicing!
Consumer complaint received 2021-12-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Winklevoss Exchange LLC (CA)

Created an account ( XXXX ) and deposited {$100.00}, bought 18+ bancor coin and have approximately {$9.00} dollars in usd. Want to close account and they require zero balance, but i can't sell anything because they want a wire transfer from my bank ( deposit more money ) which costs {$25.00} both ways which is crazy and unfair since they let me in without a wire transfer. They call it verification ... .should n't that have been done first?
Consumer complaint received 2021-12-28
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (UT)

XX/XX/XXXX To whom it may concern, I am filing this complaint against LoanCare. 

-- -They reported to XXXX XXXX XXXX one of the servicers of our mortgage loan that we were late in XXXX when this is not the case and in turn XXXX XXXX XXXX reported negatively on both of the borrowers credit reports. -- - When I was first put into forbearance by the servicer Loan Care ; I made a full payment for {$1600.00} on XX/XX/XXXX when I requested the forbearance until it was approved. ( attached*page1 ) I called back in on XX/XX/XXXX to make sure it was approved and they informed me that they were still working on it and so I made another full payment of {$1600.00} for XXXX. ( attached*page2 ) On XX/XX/XXXX I called again and they told me that they had approved a repayment plan until the forbearance was applied and that I should continue to pay as much as I could and that as long as I paid something that I wouldnt be reported negatively. I made three payments of {$100.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( attached*page3,4,5 ) As you can see on those emails the receipt says Repayment Plan on it showing that I was on a repayment plan. On XX/XX/XXXX I got an email stating the forbearance was approved and that during the forbearance term, late charges and other fees will be suspended. ( Attached*page 6 ) Since that day I have kept everything up to date and have been in forbearance all this time. 
As you can see from the attached Loan Care never reported a late payment on my credit report and everything was in good standing. ( attached*page 7 ) XXXX XXXX XXXX  claims that we missed a payment on XX/XX/XXXX in this letter ( attached*page8+ ). They claim that LoanCare gave them this information, but LoanCare is wrong because we requested for forbarance before that time and they always told us that it wouldnt be marked as a missed payment while it was being approved if we made payments even if they were partial.
Consumer complaint received 2015-10-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is holding funds that have been cleared and subtracted by the issuing bank ( XXXX XXXX the payroll check was drawn on. The funds were approved by the issuing bank on XXXX XXXX and will not be available until XXXX XXXX. We asked where the funds were the answer from Wells Fargo was " limbo ''. 
Background : The XXXX Account is MY business account. The XXXX Account that the funds were drawn on is a " frozen account '' due to the fact that a check was stolen and presented to XXXX in a fraudlent matter. There is plenty of money in the frozen account to cover incoming checks that were issued against it. XXXX calls me every morning in order to authorize the checks that have been presented. I authorized my own payroll check and the XXXX XXXX Manager confirms that the funds were cleared THAT day. I do know both sides of the equation.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AZ)

My wife and I purchased our home in XXXX through XXXX XXXX. I retired in XX/XX/XXXX. In order to reduce our monthly pay out we refinanced through XXXX Mortgage and dropped our interest by 2 percent. The refinance to XXXX happened XX/XX/XXXX. We always try to keep our payments from six to twelve months in advance and this was going nicely until they, XXXX, sold our loan to Freedom Mortgage. We made our last payment to XXXX Mortgage in XX/XX/XXXX. I made two payments to Freedom Mortgage in XXXX trying to again get ahead on my payments. They, Freedom Mortgage, misapplied the second payment as principal instead of the XXXX payment. I wrote Freedom Mortgage in XXXX to their XXXX  Department. I have a copy of their return letter but it is riddled with errors as if no one really paid attention. My complaint is, XXXX promised in a letter to me that nothing would change and it has. Their monthly statements have no amount due or how the payment will be broken down. I have copies of everything if you want them. Freedom Mortgage will not communicate with me about this problem. I called XX/XX/XXXX and asked to speak with a supervisor who refused to take the telephone. I spoke to XXXX but her supervisor would not talk. The letter that I received was dated XX/XX/XXXX was not signed and came from customer care.
Consumer complaint received 2021-12-28
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX
Consumer complaint received 2021-12-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I am requesting Exquifax 's method of verification *description of reinvestigation procedure* used to determine the accuracy and completeness of the information, along with the business name, address and telephone number of the furnishers in accordance with 15 USC 1681i ( a ) ( 7 ) for the accounts within your Reinvestigation Letter Confirmation # XXXX dated XX/XX/2021.
Consumer complaint received 2021-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BC SERVICES, INC. (CA)

On XX/XX/XXXX phone number XXXX called my husband during work hours, the caller identified herself as working for BC or XXXX Services debt collection, she was looking for the person reporting the incident. My husband replied that he was the spouse and could be dealt with, she wanted him to verify that she was talking to the right person and asked that he verify my date of birth. Refusing to give that information he asked if she would provide the birthdate, she responded with the correct year and asked that he provide the month and day of birth. Giving her the month and day, she said she was collecting a debt of XXXX dollars owed to XXXX XXXX XXXX XXXX of XXXX. She asked then for a credit card information to pay the debt. My husband responded that we would settle the matter with XXXX directly. He then called me to alert me to this issue. Checking my XXXX account online I found no outstanding balance in my account. Determined to do my due diligence I called XXXX XXXX billing department and was given a number to their debt collection agency. XXXX XXXX is the debt collection agency for XXXX XXXX and they had nothing on their system relating to my account or the number that had been called. XXXX XXXX 's Billing department also confirmed that I had no outstanding balance due.
Consumer complaint received 2016-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

I received a HAMP Loan Modification from American Servicing Company on XXXX XXXX, XXXX in the amount of {$2200.00} monthly payments. I complied with the trial period payments and made my payments on a timely basis ( see attached Exhibit dated XXXX XXXX, XXXX ). 
In XXXX XXXX, XXXX I was sent a list of Judgements/liens that were found on the title. I immediately started working on having them removed. I notified American Servicing Company throughout the process of getting them removed and continued to make my trial payments. I spoke with the title department of American Servicing Company on several occasions regarding each lien that was removed. On XXXX XXXX, XXXX I received a letter stating that I had been removed from the modification review because of the title issues. I appealed the decision ( see attached Exhibit dated XXXX XXXX, XXXX ) providing proof that the liens had been satisfied. Even after this appeal, American Servicing Company still removed me from the HAMP Modification Program. 
I spent numerous hours and phone calls going over this issue with American Servicing Company. They advised me to submit a new application.When I submitted my application again on XXXX XXXX, XXXX, I was told that American Servicing Company on XXXX XXXX, XXXX had developed a new policy that if a property had been in foreclosure for more than 3 years they could no longer be considered for a modification. I advised that my paperwork had been faxed in the month of XXXX and I was told that unless an intake interview had been taken before XXXX XXXX, XXXX, I still would not qualify. I have not received any communication from American Servicing Company informing me of this new policy that they have adapted. 
I do not think this new policy that American Servicing has adopted is outlined in the Hamp Guidelines and so I am appealing to the Consumer Financial Bureau to investigate this lender and my case because the lack of communication between their title department and their modification department played a big part in the reason why they did not know that the liens had been satisfied and I should have been granted the final modification.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Im resubmitting 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 COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX  XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX  XXXX  XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX  XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; According to FCRA Section 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-12-28
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 60 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 60 days ; therefore, those items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and mental anguish caused. My information was also impacted by the Equifax data breach and may have found its way into the hands of the wrong person.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: KEYCORP (IL)

i was granted by the XXXX County court, XXXX CO Magistrate the Guardianship and Conservatorship to my sister. i was already her POA i contacted the bank to get access to her account/s. i could only talk to the branch where she opened the account, which is very odd. 
after many calls and messages left to the branch manger, they called back confusion of what exactly they requested. Branch manager kept adding in more documentation. because i was out of state i was told i needed to come in person and have papers with. then because i was out of state i was told to have the POA checked by an attorney including a notarized letter stating they were not tampered with. ( i did ) I always had to call and see if the UPS was received with docs, only received XXXX calls. i called expedite team, i filled with the XXXX and because of a her going into the hospital the case was closed... it goes on and on here 's the problem with our financial institution. FDIC too how can they overrid branch manager could of emailed me a list instead of me trying to track her down for answers. 
..since XXXX of XXXXalways in a meeting, out of office
Consumer complaint received 2021-12-28
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. (GA)

On ( XX/XX/2021 ) i notified the credit reporting agency of the issue. Under section 15 US Code 1681a ( c ) i am identified as a consumer and i have the right to privacy under as a consumer under 15 US Code 1681 ( a ) ( 4 ). My rights have been violated under 15 US Code 1681 ( b ) Permissible purposes of consumer reports which i never gave any consent to report anything on my consumer report. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove promptly. I feel like I'm being taken advantage of and being ignored of my disputes. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person. My rights have been violated and I would like to have this matter corrected immediately.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2021-12-28
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. (FL)

Second Dispute was submitted XX/XX/2021 for XXXX XXXX in the amount of {$3000.00} according to 18 USC 8, was then " verified '' XX/XX/2021 without providing notice or documentation used to " verify '' said debt. Transunion is also violating my consumer right to privacy according to 15 USC 1681b2 & 15 USC 1681 4. This should be promptly removed considering 15 USC 1681I 5ai : ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2021-12-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

I filed complaint XXXX when I had a previous issue with my escrow account. As a result, my account was manually credited for property taxes that were paid when I requested that they not be paid and my escrow account was closed. Now, XXXX is subtracting that credit from the zero balance of the closed escrow account, resulting in a negative balance and an increase to my mortgage premium to cover that balance. I feel that it's pretty unethical to fix a problem that was a result of their error just to close out a complaint and then try to charge that amount back later.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (MD)

My Mortgage company ( SLS ) Specialized Loan Services incorrectly reported to the credit bureaus that I was late on my payments 8 times in a row ( @ XXXX to XX/XX/XXXX ). this is not the case. I called on at least 10 occasions from XXXX to XXXX of XXXX. I was then told to write a letter, which I did, and they did move forward to remove the false reporting from 2 credit agencies but they will not remove the false reporting from XXXX. I have been unable to move forward with refinancing another home because of this and the time for me to do so is dwindling down. I have called an additional 10 times and although they acknowledge that all of my calls and my issue is documented, they refuse to move forward with resolving this issue by contacting XXXX to remove this false report with no explanation as to why they are disadvantaging me in this way.