davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I have been attempting for nearly two years to establish a plan with my mortgage company to end payment on my mortgage. I initially applied for and received approval for a loan re-modification. After paying on this for a couple of months, I decided to move forward with a non-retention plan, a short sale of the property.

I obtained the help of a real estate agent. An offer was made on the house and I completed all the required paperwork. The mortgage company never offered a response until we contacted them and were told that the offer was not sufficient. My agent spoke to the company numerous times to finally get specific answers on what was needed.

She listed the property, took pictures of the home, showed it to a dozen investors and had an offer made for over {$90000.00}. My current pay off was roughly {$120000.00}.

After 30 days passed, with no response, she reached out to the company and was told that it had not been approved because I had not completely a hardship application. I have completed this form and all provided all the supporting documentation at least four times.

Nonetheless, I did it again. I received a notification that there were corrections needed in my information. I called to find out what i needed to do and was told that the short sale was no longer an option and I could only apply for a loan modification at this time.

I have spoken to numerous representatives countless time and never gotten the same answer to any question or issue twice. My agent and I could call on the same day and get two different responses.

Throughout this extended process, the mortgage company has rarely contacted me regarding any information needed, always waiting until i contact them.

Meanwhile, I get two - three letters a week from them with different information on each one.

I feel like this entire process has been a huge run around.

I am very close to giving up and allowing it to go to foreclosure.

I am totally frustrated and confused as to why the mortgage company would reject an offer that would pay off 75 % of the remaining loan and take the property off their hands.

I feel that I have made every reasonable effort and beyond to come up with an agreeable solution to my mortgage issue.

I failed to mention that the reason I left the home and want to get out of the mortgage is that I left my husband and am now paying rent on an apartment. My ex-husband has remained in the house without paying anything toward the property. In addition to paying my own living expenses a large portion of my income is paid to him in spousal support as he is unemployed and applying for XXXX.

The company I have been dealing with is Select Portfolio Services.

I have written to their ombudsmen, but have not gotten a response at this time.

SPS has been terrible regarding communication and seem to have no desire to settle this issue.

Thank you for your support
Consumer complaint received 2021-07-14
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. (CA)

I have been waiting for the credit bills to fix the errors that they have put onto my consumer report! Under the law 1681a exclusion b clearly states that they are in violation of my consumer rights. Under exclusion it clearly states any specific extension of credit the was given from the extension of a card for the purpose obtaining money property labor on any services on credit under my social security card number should be excluded from my consumer report! THING THAT WAS OFFERED OR Authorize with my card should be excluded from my credit report! Please remove all these items immediately from my report or I will seek litigation immediately
Consumer complaint received 2020-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (NY)

Company Dealing With : Robinhood Brokerage Firm I have been trying to withdraw funds from my Robinhood brokerage account since XX/XX/XXXX. It has been saying account withdrawal disabled SINCE XX/XX/XXXX, this is because of a previously returned deposit from my bank account to my Robinhood account. I have been emailing their customer support to remove the restriction since XX/XX/XXXX. They say that they will respond inn1-3 business days. It has now been 8 business days with no response. Ive been in touch with their support account via XXXX which told me to direct message them and then said somebody would get back to me and its been an additional 36 hours since that happened with STILL no response. From my search on XXXX  and other platforms I am not the only one unable to get any type of response from their support team and there are others with the same exact restriction problem. I have had over {$7300.00} being held hostage in my Robinhood account. I have successfully passed all anti money laundering hold times and my funds have been settled for the required amount of time already. 

Robinhood Support Case Numbers associated with this complaint : XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2022-05-03
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. (NY)

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 rights 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 2022-05-03
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. (AZ)

On XX/XX/2022 I have contacted XXXX, XXXX and Equifax repeatedly over the last two months regarding my Identity theft situation giving them the police report and the deletion letter from one of the Creditors XXXX  and the Credit Reporting Agencies are still reporting inaccurate and misleading information. It is now XX/XX/2022 and the accounts are still not deleted. The Fair Debt Collection Practices Act section 807 refers to false or misleading representation in which the Credit Reporting Agencies are in evident violation of. The following conduct is a violation of this section : 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. The Debtor is falsely accusing me of a debt in which I am a victim of in Identity theft and so therefore should be permanently removed form being inaccurately reported. XXXX provided additional statement stating the liability of the debt is not applicable and yet it is being reported on all three credit reporting agencies as means of determent. I am reporting the inaccuracy in reporting, investigation and requesting that within 5 calendar days of this final reporting of this violation that the XXXX, Equifax and XXXX immediately delete the XXXX and XXXX XXXX XXXX accounts immediately as I am in pursuit of seeking litigation. Thank you.
Consumer complaint received 2022-05-03
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. (SC)

n 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 2019-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have a Visa with a $ XXXX credit limit with BOFA for over 25 years. My credit score is over 825. I had a XXXX balance on this credit card and have never made a late payment in my life. I have lived at the same mailing address for 31 years. I have multiple accounts with BOFA checking, savings, MasterCard & Visa. I have been a customer of Bofa for 40 years. 

With NO notification what so ever I received a notice from my credit monitoring service advising me that one of my accounts was closed at my request. I had made no such request. I saw that it was a BOFA account and so I called them they stated they sent 3 letters notifying me that due to inactivity there would be closing the account. I received nothing from them. I asked to have the account re-instated and they said they couldn't. 

My credit score just dropped 23 points due to BOFA 's unlawful closing on my account. 

If BOFA has done this to others without any notification then I believe a class action lawsuit should be filed against them.
Consumer complaint received 2022-02-02
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: SYNCHRONY FINANCIAL (MS)

I disputed an amount of {$2400.00} to PayPal Credit on XXXX XX/XX/2022. Two days later I followed up through their live chat system, and they said that my dispute was resolved in my favor and I needed to do nothing further. 3 weeks later, the dispute was reversed and I am now obligated for the charges again. This is not fair to me as I was already told I was relieved from the charge, so I have made other purchases and financial obligations based on this information.
Consumer complaint received 2019-03-20
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. (AZ)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-04-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NV)

My income was cut by almost 50 % in the past two years. It caused me to fall behind on my mortgage. I applied for assistance with Shellpoint Mortgage and they are now refusing, evading, to review me for assistance. They state I was offered a trial payment in the past and that is the reason. However, I hired an attorney to help me with the process and my attorney states Shellpoint is violating RESPA Regulation X by " evading '' review for assistance. I wish to apply for assistance and Shellpoint is blocking me from doing that. I could not accept the trial they were offering me at the time, but I can now make payments again. There is no reason they should be refusing to help me save my home.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Spoke with XXXX customer service about having these fraudulent inquiries removed ( XXXX ) said XXXX is in violation of my consumer rights but did not remove them she said someone fraudulently accessed my report. Under 15 us code 1681 subsection ( c ) says any consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer ( me ) I have been violated under this noting because they willingly and knowingly gave someone access which is fraudulent conduct on XXXX part I need those removed
Consumer complaint received 2019-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2019 a deposit of {$50.00} was made to my account by a tenant. To date, Chase Bank has not credited my account for the {$50.00}. I have supplied them with a copy of the cancelled check and they still have not deposited the money into my account. I have called and visited the bank branch in XXXX XXXX, Fl, where the check was deposited, and still no money has been deposited into my account.
Consumer complaint received 2018-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

In regards to : UNFINISHED BUSINESS ( Navient ) US DEPARTMENT OF EDUCATION, must herein provide a true and certified copy of the complete audit trail of said account. furthermore, in order for US DEPARTMENT OF EDUCATION to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate!
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$740.00} XXXX  XXXX {$430.00} XXXX XXXX XXXX {$1600.00} CHAPTER BANKRUPTCYXXXX {$0.00}
Consumer complaint received 2022-05-03
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: Premium Credit Bureau (GA)

On XX/XX/15 I spoke with the company and told them I never approved of a hard inquiry but It was done anyway. Call and was sent to voicemail.
Consumer complaint received 2021-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AZ)

I have been a loyal member of Chime for 3 years. On XX/XX/2021 I was recently a victim of fraud. My debit card was copied and used at an ATM in XXXX, Arizona. 

I quickly filed a police report and completed necessary dispute form and sent all required information to the Chime Bank XXXX XXXX. On XX/XX/2021 I was issued a provisional credit of 318.00 ( Total of ATM withdrawals + ATM fees ). 

On XX/XX/2021 I received an email advising that no error had occurred. I requested a rebuttal due to the fact that I did not make the ATM withdrawals and completed all steps required by Chime to resolve. I am now being advised that my account will be debited 318.00 on XX/XX/2021 despite me providing the actual police report document. 

The transaction took place in XXXX Arizona. I am in XXXX and could not have physically made these transactions. I am single mother who has recently become unemployed. I am typing this with tears in my eyes as I have pleaded to Chime to make things right. I have cooperated with Chime throughout this entire process and as a consumer would like to be extended that same grace. I have remained loyal to Chime throughout their early stages, technical errors, class action lawsuit, etc. and do not believe I am asking for much by requesting that same courtesy and loyalty be extended to me. As I write this, I have no idea how I am going to feed my family and Chime debiting the provisional credit amount would only put me deeper in a bind. I am incredibly disappointed by the lack of ethics, integrity, and system processes Chime has in please. 

As a consumer this is very concerning.
Consumer complaint received 2022-05-03
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. (VA)

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 an account without my written instructions.

15 U.S.C 1692 C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2020-11-05
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. (MI)

I am tired dealing with the same thing. The bureaus have a inaccurate, unverified and fraudulent public record on my consumer report. I have tried to fix this matter on at least 3 different occasions. I have contacted XXXX XXXX and they removed it ( See attached files ). I have contacted the court and they said they dont report info to the bureaus ( See attached ). Lastly I filed a complaint with the FTC ( see attached file ). I am really exhausted at this point.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX has sent correspondence that tradeline is deleted and it has been deleted from XXXX and XXXX but not from Equifax. It needs to be deleted from Equifax. 
Account # : XXXXXXXX XXXX
Consumer complaint received 2022-05-03
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. (SC)

n 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 2022-05-03
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. (NY)

XXXX XXXX XXXX Account number XXXX. 
Has violated my rights in accordance with the Fair Credit Reporting act 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 accounts without my written instructions. 
Account number XXXX has also violated my rights in accordance with the Fair Credit Reporting act 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 accounts without my written instructions
Consumer complaint received 2018-10-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (IN)

Ive been working with a company called XXXX XXXX help, which a debt settlement company. Ive been working with them to consolidate my payday loan debt. They contacted Bridge Le dong Solutions as this is one of my lenders. They let them know that I was working with them and that any communication needed to go through them. The problem is, that they continue to call me, send me letters and have been contact my family. I contacted XXXX XXXX about this and they stated they have reached out to Bridge Lending Solutions and they agreed to settle my debt. They recommended for me to file this complaint.
Consumer complaint received 2018-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (CT)

This complaint is a continuation of my initial complain ( complain # :XXXX ) about XXXX XXXX. The bank keeps sending me letters confirming that they approved my dispute but they do not want to allocate proper credits to my credit card. They issue credit in the disputed amount of approximately, {$1600.00} under the revolving transaction history but also, at the same time, they add debt in the same amount of approximately, {$1600.00}, which zeros out the deputed transaction. When I called and spoke with the account supervisor, XXXX, since the dispute department does not have phone number, she reviewed the account and confirmed that this was an oversight on XXXX XXXX / XXXX XXXX end and that it will be addressed within 72 hours on my statement. 72 hours passed and my credit card statement did not change. I called again on Thursday, XX/XX/11 and spoke with another account supervisor, XXXX, Employee ID # XXXX who was arguing with me over the phone for more than 20 minutes, very rude and condescending. When I asked for proof of receipts for the fraudulent debt referenced above, she was not able to answer my question. I told her that, initialy, after i returned unwanted items with XXXX XXXX, I should have received a credit for approximately {$1600.00} not only under revolving transactions but also the plan ( back then, plan # XXXX ) should have been closed. 

The plan was closed but they refusing give me proper credits to my credit card statement. I am the account holder, so they have no right close this case without providing explanation and additional information as to why they fraudulently, without my authorization, charging my card in the amount of, approximately, {$1600.00}.
Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (VA)

This account is not mine. Some had used my information without my knowledge to initiate these account. I have applied for credit and got denied due to the fraudulent account. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner. 

Date : XX/XX/2021 Amount : {$420.00} Filed FTC report and contacted original creditor.