davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I told them I paid SPS XXXX in XXXX on a XXXX I took out in XXXX to XXXX I. ask what the balance was they told me XXXX that was more than the original note and I stopped paying them until they forclosed that's when I sent them XXXX and they said XXXX went to interest XXXX went to attorney fees and XXXX went towards principal XXXX and now XXXX XXXX  is doing the same thing they have forclosed and sold my property and. XX/XX/XXXX Is my eviction notice I went from a 15 year mortgage to a 30 year modification there ain't no way this should happen to any one I got a mortgage audit that says they doing some illegal things and I'm not telling the hold story
Consumer complaint received 2021-12-13
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. (GA)

I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND THE CONSUMER. After reviewing my consumer report, I noticed that there were several hard inquiries on my report which I did not authorize. On XX/XX/ 2021, Experian deleted the hard inquiries from my consumer report which I disputed ( See Deletion Page Attached ). A DELETION is ADMISSION of violating the consumer. The following laws were in violation of my rights as a federally protected consumer under Title 15 Chapter 41. Pursuant to 15 U.S.C. 1602p, my credit was misused. I never gave written instruction to Experian to furnish these hard inquiries to my consumer report ( 15 USC 1681b ( 2 ) ), therefore, for these hard inquiries to be reported, it was identity theft. Experian also allowed these different corporations to have access to my consumer report without my permission or consent which is illegal pursuant to 15 USC 1681n ( b ). With an initial investigation not being completed by Experian ( before furnishing the information ), these hard inquiries should have never been reflected on my consumer report pursuant to 15 USC 1681a ( 2 ( b ) ), which states a hard inquiry should be excluded from a consumer report. In response to the review of my consumer report, I have sent Experian an affidavit of truth, an invoice, and a supporting document which they received on XX/XX/2021.
Consumer complaint received 2021-12-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC (CT)

My mortgage is with Planet Home lending ( purchased from XXXX ). We have been paying down our mortgage principal through our monthly payments. I have requested that Planet adjust our monthly payment amounts owed for this reduction in principal. They have refused by stating '' the investor does not allow this ''. I do not see this requirement in my mortgage terms yet their customer service says that this can not be changed. I have tried several times to reach senior executives and only get form letters. Phone calls are not returned, when you are able to find contact details as these will not be given to customers. 
By not reducing my principal outstanding Planet is charging me interest on a larger amount that does not exist, this creates excess income for them at our expense. 
There are other issues that they do which are not in my terms but again customer service can not explain or adjust.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

My account was hacked and the hackers ruined my bank account. My card was stolen and they stole {$1100.00} from the atm from my account. They also deposited fake checks and the bank is making me pay for it. The amounts were {$130.00} for four different fake checks. Also, they charged back my rent which was in the amount of {$1100.00} and they charged back my insurance payment twice which was {$300.00} per transaction so {$600.00} total. They then proceeded to XXXX XXXX themselves the rent and insurance that they disputed through XXXX XXXX and stole it. They XXXX XXXX themselves {$1200.00} one time then the next time it was {$420.00}
Consumer complaint received 2023-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

Company claims missed payments were made based on inaccurate account number because I " added XXXX XXXX  '' to the beginning of my external account number, meanwhile the company has an antiquated online payment system and there is no logical reason why I would pad my account number with XXXX. Even still, because of " company policy '', only after I submitted a complaint I'm not forced to make XXXX XXXX money order payments,
Consumer complaint received 2021-07-23
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. (NV)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX is mistakenly reporting me late. It has been over 60-days since I have been trying to resolve this issue with no success due to XXXX XXXX XXXX  lack of correction. I recently spoke with multiple representatives at XXXX XXXX XXXX  and they all agreed with me and even stated that they had notes on file regarding this situation. I called to update my auto pay back in XXXX XXXX. The rep at the time did NOT inform me that a manual payment was required before my newly set up autopay would kick in. For this reason, I was assessed a late on my mortgage. Once I found out, I satisfied my obligation right away. I had full intent and even set up auto pay with the rep. I completely understand that it was an honest mistake by the rep but I shouldn't be punished for that mistake. I kindly ask for XXXX XXXX XXXX  to rectify the late payment XX/XX/2021.
Consumer complaint received 2019-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have spoke with Capital One Auto Finance customer service department. I have also reached out to all 3 credit bureaus numerous of times trying to resolve this issue. This account is reporting different Payment histories to all three credit bureaus. Every time I try to dispute the issue it has been returned back to me that this account is reporting accurate. I have disputed this account more than 5 times. This is hurting me tremendously and it seems as if no one is willing to take the time out to correct the issue. Credit bureaus get smart and state that Companies can report what they want and do not want to report. I am trying to gain custody of my daughter and i can not do that if my credit history is not reporting accurately for me to even rent a decent home to stay. I am tired of living in shelters. I am tired of having to share space. If someone could just please take the time out to look at what is being reported and correct the issue. I have also provided screenshots so that you can take a look for yourself.
Consumer complaint received 2022-10-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BMW Financial Services NA, LLC (CT)

I spoke with a BMWF rep by name of XXXX several days ago, requested an extension for month of XXXX as a courtesy, due to fact the account has a little more than a year left on it, payoff quote is around {$15000.00} as of today, XX/XX/11. I was denied an extension, account is now over 30 days past due including month of XXXX I plan to make a payment in amount of {$1000.00} on or around XXXX, unfortunately, this will cause the account to become past due again for month of XXXX. I request BMWF grant extension as requested prior, due to length of loan remainder.
Consumer complaint received 2021-08-26
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. (IL)

This letter is formal complaint that credit bureaus have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet credit bureaus have failed to respond. 

The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
2. This account resulted due to identity theft. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

3. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Consumer complaint received 2022-10-11
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. (NJ)

Institution Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX, XXXX 2020 To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice that there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business purpose.
Consumer complaint received 2022-07-05
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. (FL)

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

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (PA)

XXXX is stating that I opened an account with them, I have been with XXXX for 13 years and DID NOT open any account with them, matter a fact I was on life support last year when they say this happened. My old landlord found a box with equipment in it 3 months after I was in the hospital and brought it to is and I sent it all back since apparently someone was trying to do something not legal. I have sent the company the tracking number of the merchandise returned to them and they still have not removed it. 
XXXX XXXX XXXX Opened XX/XX/2018 {$1200.00} Original creditor : 11 XXXX Remarks Placed for collection Original Creditor Name 11 XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Waypoint Resource Group, LLC (NY)

I recently paid off a balance owed to XXXX XXXX through an agency named Waypoint. I paid the amount in full and they guaranteed they would remove their claim from my credit report. I still have yet to acquire anything from them that indicates paid in full! My claim is also against XXXX XXXX. I switched plans from XXXX to XXXX, XXXX was to pay off my debt from XXXX. Because XXXX was delayed in doing so XXXX placed a collections action on my credit report. After going back and forth with XXXX they finally sent me cards to pay my XXXX bill. I took care of it through Waypoint and on XX/XX/2018 paid then through the online portal. I still have not heard from them. They are impossible to get in touch with. I have tried calling them several times o speak with someone and can not leave a message or take care of getting this removed. 

They said they would remove my XXXX XXXX from my account and I need this done asap as I have done everything in my power to do the right thing. 

Account Number XXXX with Waypoint
Consumer complaint received 2022-03-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (VA)

IRT CFPB Complaint # XXXX. CONTINUED DISCRIMINATION & BIAS. 

On Thursday XX/XX/2022 and again on SATURDAY XX/XX/2022 at approximately XXXX PM, I received notification that Navy Federal sent concerning revised loan documents that required my signature. These documents and the message was sent from my new loan officer, XXXX XXXX. These documents also contained some information that has never been discussed with or between myself, XXXX XXXX, or even the former loan officer XXXX. Additionally, I have no idea who Ms.Biles is, I have never spoken to her, I have never been told to expect a phone call or an email from her, and I have no idea why Navy Federal is deciding to forward yet again 100+ pages of documents to me without having anyone contact me to at least explain what it is theyre sending or include what has been discussed in the documents. Under no circumstances should Navy Federal be filling out documents on my behalf without first speaking to me.

But what struck me as most interesting, is that these documents had an increased rate ( that is not advertised anywhere on the Navy Federal Credit Union site ) for the loan itself. In an effort to continue to cover up their previous perceived discrimination, it appears NCFU is applying a rate increase to my application. Again, THEY filled out the application without discussing or disclosing with me ANYTHING to include a rate increase prior to forwarding to me to sign. We could try to attribute this increase due to the conference held by the Federal Reserve, but with these rates being very different than what is advertised on their website, yet the previous rate was not, I find this to be another only highly suspicious but a continuation of previous biases. Again, I do not accept that a company of this size, that has outstanding customer service in so many other areas, continues to have subpar customer service in this one department and it reaches the span of almost every employee. 

As NFCU continues to look into this matter, hopefully we can gain insight as to what happened here and why customers, namely me, are attempted to be gouged and penalized for a mistake THEY made if this is truly not a continuation of discrimination. 

Lastly, in an effort to actually be done with this situation, one way or another, XXXX XXXX was forwarded the same resolution standards previously sent.
Consumer complaint received 2022-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

Hello, each month I send my insurance payments via my bank to USAA and coincidentally about every 3-6 months, USAA claims that they did not receive the payment and charges a {$25.00} late fee. The most recent incident took place XX/XX/2022. After learning that my payment was not received, I called my bank and conferenced a call with USAA to verifying that my XXXX payment was made. USAA claimed that they would research and get back to me regarding the payment and the waiving of the {$25.00}. Yesterday, I received an email stating that my account was behind and will be cancelled. I call on XX/XX/2022, to find out what had taken place and they said that my XXXX payment was never received. I told them that I will make the XXXX payment ; however, I refuse to pay the {$25.00} late fee. They are refusing to remove the late fee because they said that they had already removed two -- which by the way was caused by the same " missing '' payments routine. 

It is my belief that USAA is purposely misplacing payments so that they can charge their clients unnecessary {$25.00} late fees.
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

Letter received from Convergent outsourcing on XX/XX/2019 for collection of debt of {$71.00}. 
Contacted XXXX on XX/XX/2019 XXXX confirmed that the account is not in my name or associated with my email address. 
Contacted Convergent outsourcing on XX/XX/2019 and informed them that the account was not generated by myself.
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I closed my checking account prior to XX/XX/2021 and a check was sent dated for XX/XX/2021 in the amount of XXXX. I did not know that I had received the check already in the mail and called Capital one on XX/XX/2021 regarding a possible lost check. Capital one responded appropriately and cancelled the check. The very same day, I found the lost check, and tried to call them back and tell them to stop the previous action of cancelling the check. They mentioned a " back research team '' or " people in the back '' that handle this type of issue and were not able to give me any more help regarding this matter. My main problem, is the amount of time that it took for the corrective actions to be taken and the amount of times in which I had to call them. On XX/XX/XXXX, I called and was told that I needed to wait some more time for the check that was cancelled to be " actually cancelled ''. Could take several business days. Next, I called back on XX/XX/XXXX, and was told that they needed to sent more communication to the " back team '' in order to see about further actions on me receiving a new check or maybe reversing the previous action on the current check. On XX/XX/XXXX, I called yet again and they mentioned that it could take several more business days for the " back team '' to actually get back to the front team. Or some such nonsense as this. Now, on XX/XX/XXXX, I spoke with a supervisor who now confirmed that the check was being sent expedited my way. Note, that only after I made this phonecall, was this information relayed that the check was now being sent. Also, I had to talk to two separate people in order to get this information. I would now have to call back on Friday in order to get a tracking number. I received the following reference number for this final interaction which was : XXXX My complaint is that this will take over 3 weeks for a check to be sent because of this other check being cancelled. How is it, with today 's technology, that it should take such a ridiculous amount of time for a check? I do have bills to pay and have plenty of debt and this is not acceptable. I would want actions taken on this company for this inconvenience.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Public Records : Chapter XXXX Bankruptcy : Bankruptcy. 
Reference number : XXXX
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have file dispute with the credit bureaus and XXXX did the job but Transunion is not doing theirs. I have two collections and I do not owe them any monies. They are XXXX XXXX ( acct # XXXX XXXX and XXXX XXXX XXXX ( acct # XXXX XXXX. I dont understand why XXXX  had deleted them but Transunion hasnt. I would like this matter solve quickly as for it is effecting my finances.