davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AR)

I am requesting the assistance from CFPB to assist me with mortgage related issues I've been dealing for several year with my mortgage lender SPS. I am a few years past due and underwent a financial change that caused me to fall behind. 

I submitted a loss mitigation application package to SPS on XX/XX/XXXX. As of XX/XX/XXXX, SPS stated they had received all documents but were refusing to review me for assistance because their computer system had a Code ( SPSA restriction ) and per the agent I spoke to XXXX xt XXXX this code is at the request of the Investor not to allow any Trial modifications to happen. 

I requested for SPS to release the investor information so that I may call them to find out why they are restricting me from applying for help. In the last 7 years I have submitted for Loss Mitigation options at least 3 -4 times per year each time to get denied for several reasons usually SPS making up lies. 

In XX/XX/XXXX I applied for assistance from SPS to lower my interest rate but SPS placed me on a repayment plan that almost doubled my mortgage payment for the next 12 months and after those 12 months of payments I had to pay SPS a balloon of {$60000.00} in one shot which I told them I couldn't afford this but they insisted if I did not comply they would foreclose on my home, being told this I tried to make a few payments but eventually I could no longer afford this amount. Before I stopped making these payments, I called SPS to provide this information and they advised me if I could not afford it to stop making the payments and apply for mortgage assistance again. Keep in mind my financial did not support affordability for this repayment plan options. 

The rate I obtained on this loan is at 12.125 % on a single-family residence. I feel I was given a predatory interest rate since at the time I obtained this loan rates for the current market were at 5.25 % at its highest. SPS at this point are stating they have offered me several options but refuse to show me proof in writing, I have requested for them to provide the loan assistance options they claim they offered but they refuse. I have also asked to speak to a SPOC or manager never to get a call back. I feel that SPS is violation of several mortgage lending laws and per the reviews online I see I'm not the only one experiencing this issue. I ask for the CFPB to look into predatory lending, Failure to perform, Negligence, Violation of HRBOR, Tila & RESPA law. I am not alleging I don't owe this debt I am simply asking for SPS to help me reduce my rate so that I can continue to make payments on my loan. 

I have attached the loss mitigation application I've sent them for review so you can see I have provided all items needed to be evaluated and approved for assistance. Please help. Please Help stop foreclosure set for XX/XX/XXXX
Consumer complaint received 2019-01-15
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. (MS)

Under the new law beginning XX/XX/2017, public record data collected for credit reporting purposes including bankruptcies, civil judgments and tax liens must contain minimum identifying information and be collected at more frequent intervals as follows name address social security number and date of birth and minimum frequency of courthouse visits to obtain newly filed and updated public records of at least 90 days.
Consumer complaint received 2020-08-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC (PA)

Attention JD BYRIDER, My name is XXXX XXXX And I BROUGHT a XXXX XXXX XXXX and have been making monthly payments direct deposit TO CNAC and I made the Payment for XXXX, XXXX and XXXX and CNAC employee claims that XXXX XXXX XXXX didnt pay CNAC And I have my bank statement as proof I paid my vehicle and told me my car I DRIVE could get repo and this is an internal JD BYRIDER SCAM and my XXXX XXXX XXXX bank statement will prove this for 3 payments of {$430.00} paid for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX from the beginning of this Sale the Saleswomen sold me a Lemon and the SUV had a Bad Computer system and Catalytic Converter and bad brakes with a state inspection sticker. I want this sale non-void and Nullify and invalidate this Criminal Sale of a used car and tricky me to buy the XXXX XXXX XXXX XXXX with full Knowledge of the Vehicles condition and just made this Lemon Sale to me and charging me {$430.00} a month for A worthless SUV. the Vehicle is still with a Malfunction of the SUV computer system and no brakes and now the SUV Transmission is slipping to top off the Lemon Deal and I mainly use my Vehicle Purchased with VA Compensation Funds and use the SUV to go to all My VA appointments  because I am XXXX XXXX XXXX and I explained this situation To the Saleswomen and I have been Ripped off by JD BYRIDER AND CNAC Company and I demand my money back. 

I Remain, XXXX XXXX
Consumer complaint received 2020-08-01
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. (TX)

Victim of identy theft on student loan in 2013. Followed all FCC rules and got it off XXXX and XXXX, but equifax refuses to remove it. They have it as a charge off only.
Consumer complaint received 2022-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

I previously requested from the mortgage Servicer PHH Mortgage Services a complete escrow analysis and the servicer has not provided me the requested analysis and as to why my mortgage payments are increasing. I contacted the XXXX County Assessor 's office and was informed that the assessment on my property has not increased I then contacted my insurance company and they indicated that my policy had no increases. I sent a Qualified Written Request requesting a complete escrow analysis and the servicer has refused to provide me the reason for the increase on my mortgage payment. To this date the PHH Mortgage Services has not complied with my request dated XX/XX/2022 Titled Qualified Written Request for Information & property tax escrow analysis.
Consumer complaint received 2022-02-18
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: National Credit Adjusters, LLC (CA)

I XXXX XXXX have a collection from nca collections agency. 

I do not owe this company any money. They bought a old debt that does not belong to me. 

I already requested nca to remove off my credit report. Which it was remove from XXXX  and XXXX. But XXXX has not removed
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

XXXXXXXX XXXX XXXX XXXX  every week for the last month - XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 has attempted to review my credit history. 
I NEVER CONTACTED THEM NOR HAVE ANY CONTRACT WITH THEM TO PULL MY CREDIT REPORT. XXXX XXXX is committing fraud by pulling credit information randomly picking names without any approval from the consumer. Please force cease and desist order. Thank you.
Consumer complaint received 2018-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

When I opened my account I was not offered Premier Banking. I believe opening an account with {$20000.00} or more they should of offered me premier banking. I served in the XXXX XXXX XXXX XXXX for 4 years and deposited all of my money with this institution then XXXX XXXX owned by Wells Fargo now operating as Wells Fargo. This Branch is located at XXXX XXXX XXXX XXXX XXXX Pennsylvania. I would like my FDIC insurance in full of {$250000.00}. This is impossible dealing with the bank. My Account with them either Checking or Savings I'm not sure it has been 16 years, has been hacked for over {$300000.00}. If anyone could please assist me in this matter I would greatly appreciate it. Thank You, to everyone at the CFPB and I will be retuning to XXXX in XX/XX/2019. I would like my money to be safe with this institution when I return. They have been very kind to my Father.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

To whom it may concern Im writing this in regards to unauthorized transactions which happened on XXXX XXXX through XXXX XXXX  with my capital one 360 checking debit card from XXXX with several transactions as follows XXXX {$1100.00} XXXX 2022 $ XXXX {$130.00} XX/XX/XXXX {$1000.00} and XXXX when I spoke to several claims representative I informed Capital One that my phone, wallet which includes all my credentials was compromised I also provided a case number from XXXX XXXX Police Department as I explained the urgency of why this was not authorized by me one representative stated that an investigation was going to be held in the mean time a temporary credit would be provided because this really happened at a bad time where I had to pay my mortgage and car note capital one did not care its been ten days when I called over and over they stated it would be taking care of I finally spoke to another representative who stated that my claim was denied because my phone was used well of course my phone was used it was stolen with all my debit cards and information I am very un satisfied with the service I received especially in this time of trouble please someone help because this needs to stop I provided police details etc and capital one has the nerve to come to decision without doing any research im having a hard time recommending this company to anyone from now on until this issue is fixed
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I have ask the company to do a full review of all information on the account they verified the account information as correct but I have found many different reporting dates in all reports account name XXXX  account # XXXX In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southwest Mediation Service (NM)

I was called by XXXX XXXX  XX/XX/2020 from southwest mediation service, stating that i'm directly involved in a potential civil suit for delinquent payments to XXXX   XXXX XXXX XXXX XXXX. He said that i was being sued for {$2100.00} and they would settle for {$790.00}, and if i paid them today and emailed me a document to sign he had my social and my old address, and said that if we didnt settle this today it would be taken to court. It scared me, so i signed the document and tried to pay the amount. My bank stopped the charges because they said it was a fraudulent charges and after i saw that i started researching online, and found out there was a bunch of people who had been through he same thing with this same company and person. I recieved another phone call by the same person on XX/XX/2020. On XX/XX/2020 a XXXX XXXXXXXX XXXX   calls me from the same company stating this is not a scam and i needed to pay this or it will be taken to court.
Consumer complaint received 2018-12-26
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 — Their investigation did not fix an error on your report
Company: Diversified Consultants, Inc. (CA)

XXXX has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/year> Letter to remove inaccurate Credit Information To whom it may concern : I see this account has a charge off report on the following item. 
XXXX XXXX Credit Card # ( XXXX ) This account is reported as A charge off and I have Never received a 1099c cancellation of debt form. Due that this account is inaccurate and needs to be removed. 
Also According to a to LAW 15 U.S. Codes 1681s2 ( a ) ( 1 ) ( a ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

This account should be removed now this Account is reported ASAP. 
Once finished
Consumer complaint received 2020-06-06
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: EQUIFAX, INC. (CA)

These inquires was not authorized by me. I do not have any account that were opened on the days the inquires was placed on XX/XX/2020 XXXX, XX/XX/2020 XXXX, XX/XX/2020 XXXX, XX/XX/2020 XXXX, XX/XX/2020 C XXXX, XX/XX/2020 XXXX   XXXX, XX/XX/2020 XXXX. They have also not been verified by Equifax.
Consumer complaint received 2018-12-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I applied and accepted a forebearance for my private loans in XXXX. The forebeaance was to start in XXXX. Come XXXX, Navient deducted the payment from my account. I called and they said that the representative who handled my forebearance forgot to cancel my payment ( I was on auto debit ). I received mutliple overdraft fees from my bank on this. It is now 3 weeks later and I have not received the refunded money. 
I called today - and was told it was processed on XX/XX/XXXX. I called XX/XX/XXXX. Not sure why this is taking so long, it is ridiculous. I was told it was a holiday - I called 3 weeks ago, way before a holiday. Navient system is disorganized, and unreliable.
Consumer complaint received 2022-08-17
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. (MI)

To Whomever Concern, On XX/XX/XXXX. The Original Creditor XXXX added a collections account on my credit report per XXXX XXXX XXXX XXXX Upon further research, on XX/XX/XXXX When First Noticing the account. I asked the company XXXX XXXX XXXX in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. XXXX are breaking multiple laws as they have sold this debt 3 times, and each time I XXXX XXXX Has disputed the inaccurate account, In results the account was not verified, and was removed immediately. After the 30 days, but the debt was SOLD TO XXXX XXXX XXXX, and the company put the debt back on my credit report. Im demanded for this account to be removed from my credit report, due to the fact the original creditor could not verify the collections account. XXXX immediately sold the collections account to XXXX XXXX XXXX Without any acknowledgment XXXX XXXX XXXX is also reporting the inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or wet signature for the accused Debt in the amount of XXXX at all. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this COLLECTIONS ACCOUNT off my credit report. As I have no association with XXXX OR XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (MD)

I called XXXX  customer care and then emailed them- they don't answer emails correctly or don't read English. They have me on hold for a long time and when the customer service agent answer the phone they keep transferring me to another agent then to another agent and then all over to different departments as if they are incompetent to answer my question. They have poor customer service and don't answer the phones - extremely long wait times! I ordered on my birthday month which is XX/XX/XXXX - On XX/XX/XXXX I ordered by my XXXX  credit card Order Number : XXXX and I didnt ' get double the points as they advertised.
Consumer complaint received 2022-08-17
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. (NV)

I've noticed Unauthorized inquiries on my Transunion credit report. The customer service rep did not help me remove the negative and inaccurate inquiries that are reporting on my report. These inquiries are from : XXXX  XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 I have no such accounts attached to these inquiries.
Consumer complaint received 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp. (CA)

I paid off car but company still showing late for month I paid car off. Its keep affecting me using my credit to buy a house or refinance my new car. I have called company multiple times for they can fix it and it has not been done even now and car was paid in XX/XX/2020 its XX/XX/2020 XXXX
Consumer complaint received 2023-07-31
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. (GA)

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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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-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 2020-08-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rodenburg LLP (ND)

XX/XX/2019 send letter requesting details on what is owed and communication between medical facility that I provided for reason of disputed amount due. Medical facility failed to response to letters/notes or return with email. Firm ( collections ) failed to response in reasonable time. Still do not know if a scam. Medical firm still failing to response to new questions on latest charge. XXXX XXXX  collection procedures violate patient rights.
Consumer complaint received 2020-02-05
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. (FL)

XXXX XXXX  has reported me as late on XX/XX/2019 when my state was in a declared state of emergency due to hurricane XXXX in the state of Florida and as such I believe the account should not have been reported late being that we are in a state of emergency and I was unable to make the payment and XXXX XXXX was explained that information
Consumer complaint received 2018-12-26
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: TD BANK US HOLDING COMPANY (NJ)

on saturday i purchased a tour in XXXX for me an my child with this card. i was excited about it. unfortunately the tour guide was not so good and it was not enjoyable. i did contact the company to let them know he did not speak loud for all he did not wait for all before he kept walking and i wanted some of my XXXX dollars back. i have heard nothing. i emailed. i will pay for the museum which was part of the money but noit tour. it was awful. every time i tried to connect with disputes i get disconnected. i have never disputed an item before with XXXX XXXX XXXX please refund half after talking to them XXXX XXXX XXXX.