davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

MY lender does not want to remove the differed principal as per the principal forgiveness program as of XXXX after the court settlement to reinstate the loan. 

They purposefully forced by not accepting payments under hardship and took me to court demanding full payment and then a foreclosure and sheriff sale date, which ended in the court by me providing the proof of funds to the judge and he asked then to reinstate the loan as per the agreement. Which puts both the parties at the original point. 

They include in the statement all late fees and legal fees and interest and every possible way of making more money from me, I paid every single dollar and they still do not honor the original agreement as of XXXX. I have emailed the servicing company multiple times and they fail to understand and the Lenders are unreachable. 

The original loan was in XXXX. 
The Loan was modified in XXXX. 
Court settlement in XXXX. 

If you investigate into this loan you will see the Loan origination fraud and the unethical Practices of the lenders.

Please refer to section 3.C of the loan modification and compare with my current month statement and you will notice that in the current month you still see {$140000.00} of the {$210000.00} still showing up on my statement till date.
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

vI am writing to express my extreme dissatisfaction and outrage upon discovering a fraudulent account listed on my credit report. It has come to my attention that an account that I have no association with has been inaccurately added to my credit history, tarnishing my financial reputation and causing me undue stress and inconvenience. XXXX. XXXX XXXX XXXX and Bankruptcy XXXX  XXXX XXXX
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Ditech Financial LLC (TX)

My name is XXXX XXXX my loan number is XXXX and the property address is XXXX  XXXX XXXX XXXX, XXXX, PA XXXX. My loan was foreclosed while it was with Ditech in XX/XX/2017but the IRS says Ditech did not report the mortgage to the IRS. I need the XX/XX/2017 1098 mortgage interest statement but XXXX and Shellpoint say they can not see the info from Ditech since the loan was not active when they took over the portfolio. 

I'm requesting your assistance in obtaining my XX/XX/2017 mortgage interest statement from Ditech so that I may resove the issue they have caused for me with the IRS since they ( Ditech ) failed to report the mortgage to the IRS.
Consumer complaint received 2019-11-19
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. (CA)

I am currently a victim of identity theft, Transition, XXXX, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX XXXX has been filed in XX/XX/2019, they did not comply within the 5-7 business days according to federal law.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently made a report. I have spoken with the creditors and all three credit bureaus. In regards to this matter. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As I have XXXX XXXX XXXX. I was in the process of getting a new XXXX when I got sick. At that time I was air lifted to a facility in Ga I remained there until XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I was transferred to XXXX XXXXXXXX XXXX XXXX. In XXXX I was being XXXX to go home they were setting up my in home health care and physical therapy and found out my XXXX had been cut off. I contacted social security whom advised it was due to work credits. Well I hadn't worked so they did their investigation and sure enough someone had a job in my name. The company stated that it was a remote position was remote and all documents were sent to them via email. This made me check my credit and it also had been used. Not just mine but my husband and daughter. Im still trying to figure out my other kids. My husband believes it was the movers because my little red folder couldn't be found. My husband said he didn't have time to worry about it at the time he just obtained all new docs for everyone. This is hurting us my XXXX and insurance has been comprimised all because someone chose to use my identity. We have filled a police and FTC report. We are waiting on the police report to complete but. I will attach the FTC reports.
Consumer complaint received 2022-08-28
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. (IN)

I contacted TransUnion Credit Bureau about unauthorized inquiries on my credit report and requested that they be removed on the basis that they were fraudulent. I was told they could not help me, without a XXXX report. I want these inquiries removed immediately. 
XXXX XXXX Date of inquiry XX/XX/2XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXXXXXX XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (FL)

N Accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX Acct Number XXXX XXXX XXXX Collection # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Collection # XXXX XXXX XXXX  Acct Number XXXX XX/XX/2022 # XXXX XXXX XXXXXXXX Acct Number XXXX XX/XX/2022 # XXXX  Acct Number 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-28
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: Experian Information Solutions Inc. (PA)

Pursuant to 15 USC 1681 ( u ) The term reseller means a consumer reporting agency that ( XXXX ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; Experian, XXXX and XXXX all are resellers of my consumer report without my written permission Experian, XXXX and XXXX have each allowed, provided & furnished false and misleading information in violation of 15 USC 1692e2A XXXX was instructed to remove the installment accounts and only removed XXXX None of the consumer reports are matching or reporting the same information. 
Consumer is demanding removal of all accounts listed on the consumer reports and removal of the consumer report from their platforms
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: CLGF Holdco 1, LLC (CO)

I did not open nor charge any purchases onto the Destiny credit card. I have tried to reach out to the company without any response. Any assistance with this being removed would be helpful.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

XXXX writing to express my frustration and disappointment as it has come to my attention that, despite previous communication, I have not received the requested Affidavit of Truth from this company. This matter is of utmost importance, and the failure to provide this document is causing undue inconvenience. 
Unauthorized Reporting of Personal Data, your prompt attention to this matter and request a thorough investigation into the unauthorized reporting of my data. Additionally, I request that all inaccuracies be promptly corrected and that I am provided with a written explanation of the actions taken to rectify this situation. If this matter is not resolved satisfactorily within 30 days from the date of this statement, I reserve the right to pursue legal action to protect my rights under the FCRA. I hope it does not come to that, and your bureau takes the necessary steps to rectify this situation promptly. I appreciate your immediate attention to this matter and look forward to a swift resolution.
Consumer complaint received 2023-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

I have been trying to pay my student loans off. I recently took a personal loan from a family member and made a large payment for the full amount owed to Aidvantage, but the balance continues to grow by about {$100.00} each day. I have continuously tried to reach customer service to find out what is going on. After waiting on the phone for an hour ( during my work day ) I finally got a human on the phone. They said the loan had been repaid, that the payment was still processing, and the additional interest charges will be removed. This is not true though. A few more days have passed since I confirmed this. Two days ago the balance was paid off. The money, however, has not been taken out of the account I paid from. So I went online to check again and the balance is back up to the previous amount plus a few hundred dollars interest. There is no email address for me to contact and no one to talk to unless I am able to sit on the phone for an hour and a half during my work day. I don't know what to do to get the loan paid off and am extremely frustrated that they are not providing me with any information on what is going on with my payment. It seems clear to me that they are purposely avoiding human contact with student loan borrowers and doing everything possible to keep me paying them interest.
Consumer complaint received 2019-09-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Service Finance Holdings, LLC (TX)

We were approached by a solar panel company and moved forward with having the panels put on our home. It has been a disaster from the beginning and the finance company ( whom this complaint is about ) has recently raised our percentage rate to 17.99 % with a {$990.00} per month pay due. We never agreed to this nor did we sign a contract agreeing to it. They have a contract that shows an electronic signature that is something we have never seen. It is a forged document. I have tried to reach the company about it and they are unresponsive.
Consumer complaint received 2017-06-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (IL)

XX/XX/XXXX Used first-time homebuyer program to purchase my home thru XXXX XXXX for {$11000.00}. XX/XX/XXXX XXXX Sold to XXXX XXXX ( I do n't remember exactly ; or got in a bind and heard bout modifications. No other solutions were offered to me at that time and I did not know what else to do. Not the mortage is $ XXXX/ARM. Somewhere between XX/XX/XXXX-XX/XX/XXXX the loan was sold to XXXX XXXX  and Seterus began servicing the account. No issues with payment. I am more stable and on top of things until I lost my job of 15 years in XX/XX/XXXX. I called Seterus to inform them of loss of work and was told there was nothing they could do until i defaulted. Other friends and family told me to call back and ask for principal reduction to help lower the payment. Seterus said nothing like that existed. I was getting unemployment at the time so the Seterus rep offered me 6 month forbearance type program where I paid smaller payments over 6 months ( ca n't miss any payments ) ; i made the payments on time but did n't secure a job in 6 months so i was given an extension to the same program. After 1 year i was told by Seterus that I did n't qualify for help anymore because I did n't have full time employment and I need to pay $ 10-12k to to bring my account current and avoid foreclosure proceedings. I borroed, begged, took money from my 401k to save my home. After the fact i learned about programs like XXXX XXXX XXXX and I-refi all of which my lender ( Seterus ) is a program partner. I have never taken equity out of my  home and i owe $ XXXX. I 've tried a few times to figure out where things went wrong but I ca n't figure it out. I made calls to the lender but they are not helpful. I am underwater on my home. Comparable properties in my neighborhood are selling for $ 60- $ 80k.  I ca n't qualify for any federal funding because my loan-to-home-value- is too great. I reached about again to Seterus for mercy and goodwill to give me a principal reduction so that I can qualify for assistance and save my home. I sent written correspondence this time as well. As of today, no response. I feel that there is something scrupulous that happened to me during this program when I was down on luck. How can I still owe {$160.00} on my home that I have been in for 15 years? I also ca n't find anything file at the XXXX County Recorder of deeds as to who is currently holding holding he mortgage for my property. Nothing on file after XXXX. I obtained a payoff letter just to see what kinds of information is on he document. Seems as though Seterus is charging me $ XXXX in " deferred mortgage '' I do n't know what that is or where it came from? I have no record that I owe any deferred mortgage. Please help me. : /
Consumer complaint received 2019-01-21
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. (NJ)

This is a written request to verified accounts that appear on m y credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this accounts on my credit or deleting of this accounts. 
An FTC complaint could not be filed due to government closure and a police report will be filed soon. 

Thank you.
Consumer complaint received 2019-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NC)

My homeowners insurance with XXXX XXXX is due XX/XX/2019. XXXX has already sent the new policy and an invoice to Roundpoint, and Roundpoint has not responded. I have twice emailed the new policy to Roundpoint as well.

The online chat for Roundpoint has not been operational for the past few days ( including today ) so you can't get a hold of anyone. I need this homeowners insurance paid by XX/XX/2019. There is plenty of money in the escrow account. 

I also noticed that Roundpoint just settled a class action lawsuit for lender-placed insurance.
Consumer complaint received 2019-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (MD)

The complaint revolves around the procedure of the supposed employees of the Equifax Credit Reporting company. I believe there are scam artists working within the company. Each time I was given a new number to call, the same voice answered the call and asked for more secure information. The calls were all out of the Country. I was trying to dispute an incorrect report on my account. I left my phone number, and the call was returned with one of my old cell phone numbers. Please help me to end this action. Thanks.
Consumer complaint received 2019-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

I moved out of the house located at XXXX XXXX XXXX XXXX NY XX/XX/2010 and someone was using my name there for XXXX XXXX account. I spoke with XXXX and they told me if I provided proof they would remove the account. I mailed them the lease of my new address and this account was never removed and its affecting my credit
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUSTMARK CORPORATION (MS)

OVER CHARGING CHECKING ACCOUNT THAT WAS NEVER USED. FOUR ( 4 ) SENIOR VP 'S WHERE ALL TOLD TO CLOSE THIS CHECKING ACCT & TO DEPOSIT EMPLOYEE BENEFIT FUNDS INTO A XXXX ACCOUNT NOT A CHECKING ACCOUNT THAT EMPLOYEE BENEFIT DEPARTMENT TOLD ME TO OPEN. I HAD JUST HAD XXXX XXXX & OVER XXXX XXXX. MY CHURCH WAS HANDLING EVERYTHING BECAUSE I WAS TO ILL. 
I TOLD ATTORNEY & EVERYONE THIS BUT THEY HAVE CONTINUED HARASSING ME.. {$1200.00} OF BANK FEES IS STEALUNG. TRUSTMARK ATTORNEY ISSUED WRIT IF GARNISHMENT ON MY PART-TIME NON PROFIT JOB LAST MONTHFI FOR THIS. I HAVENT BEEN ABLE TO PAY MY RENT, GROCERIES & MY MEDICATION SINCE. THIS IS HARASSMENT ON A VULNERABLE XXXX
Consumer complaint received 2019-01-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (FL)

They make me look like if I was behind on my Mortgage on the month of XX/XX/2018 & XX/XX/XXXX when I was not and never was, when I was even giving extra money to the Principal. The Money Source Web site and the managers started a problem, when my wife was trying to increase the payment, so more money went to the Principal and two payments came out that month and because I reverse one of them thru my Bank as Fraud they took revenge and committed slander against me by reporting me late at the Credit Bureaus, for 45 and 60 days, when it was not thru. Told them to correct that and the accounting department or the company revert that letter from going to the Credit Bureaus to correct their injustice. The manager by the name XXXX requested this for the second time and nothing yet. I am a Senior of XXXX years old and a Retired XXXX Veteran and is a disgraced that Americans treat us that way and do not want to admit their injustice and lies to the Credit Bureau.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

On or about XXXX of XXXX, ONLINE, I opened a Merrill Lynch checking and brokerage account.

I made a few deposits into the account. I received an ATM card and rarely used it. I little over XXXX in what Merrill calls a CMA account. 

I recently moved from XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Ar XXXX. 

I called Merrill and updated my new address, verified my full name ( XXXX XXXX XXXX ), my social ( XXXX ) my date of birth ( XXXX ) and phone number ( XXXX ) XXXX. I was then told I needed to visit a branch to put some documents on file. 

I did not have to visit a branch to open an account or have money deposited into the account. 

While an office is about XXXX miles from me, I work in the opposite direction and my work location is about XXXX minutes one way. 

I offered to send whatever they needed via email, text, or secure message and the representative simply stated I had to come to a branch. 

I was told several lies on the call, which I recorded ( Arkansas is a one-party state ), and will be filing consumer arbitration, however, I want this complaint on the record also. 

Merrill is refusing to release my money that was lawfully placed with them. They did not put any restrictions when I opened the account only when I want to take money out.

I even tried to close the account and was told I could not ( again on a recorded line ). Obviously, this is not correct.

I told them to send the money to the address on file and was met with " no '' I would have never opened the account if I would have been told to withdraw money I needed to visit a branch.

I am enclosing my XXXX tax return which shows my social security number. It does have my old address, but I am submitting my paid-in-full renters ' policy that shows my current address, along with my latest pay stub. 

I simply want the money that is in my account and not the run-around. I will handle the " run around '' via consumer arbitration which I am intimately familiar as the documentation shows. 

I do have a copy of my social. It's with some older ID but it is a copy of my social security card. Odd how they now want a copy but not when I wanted to deposit. A great question for the arbitrator. A complaint is also being made to the Arkansas Attorney General. 

Thank You! 

On a side note, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so using XXXX or XXXX XXXX XXXX as the city will get any correspondence to me.
Consumer complaint received 2018-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (GA)

All of my student loans were originated from XXXX. I have repaid the principal balance and interest. The balances are reflective of junk fees, late fee 's attorney fee 's ect that have been accruing interest for over 23 years. I am not able to make any payments on these loans and can not return to school to finish my degree, impacting my credit rating. 

The loans are eligible for cancellation?
Consumer complaint received 2019-11-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (IL)

The beginning of this year started off bad for my family and I. I called M & T Bank looking for some type of assistance, which I feel that I was not successful in receiving and was lied to which resulted in additional months going by. M & T Bank will not accept any funds from me unless it is the full 8 months past due. I was told to apply for a loan modification even thought I told the representatives that I had received a modification within the last 24 months and I don't qualify for another one. I was told I would be fine and there are other options to help me catch up forbearance, repayment plan, etc all of which I was denied. When I first started asking for assistance i was around 5-6 months delinquent now I am 8 months delinquent. I have 6 of the 8 payments that are past due, but M & T is refusing to accept and payments or work with me at all. I had a representative by the name of XXXX or XXXX both verbally tell me and notate my account that I can make the 6 payments and when I called back to do that I was denied. I don't know why there is so much misinformation and incomplete answers from this company.