davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing ( SLS ) LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX   XXXX XXXX The short sale was started XX/XX/19 with SLS. On XX/XX/XXXX we were told the file was complete.

After being lied to several times on EVERY PHONE CALL, we were finally countered on XX/XX/XXXX. THE BUYER MET THE COUNTER ON XX/XX/XXXX.

On XX/XX/XXXX we were told that underwriting somehow allowed some tasks to expire in early march, requiring the file to be re-underwritten.

On XX/XX/XXXX we then filed CFPB complaint # XXXX, and subsequently were corresponding with a manager XXXX who on XX/XX/XXXX agreed that should not have happened. Keep in mind that throughout this entire process, we called faithfully twice a week and we were assured each time that it was under review and moving forward and at NO TIME were we told that it wasn't actually an open short sale. He assured us he would be working with us to quickly resolve the situation.

******Fast forward four weeks later and we are still having problems with obtaining truthful information and four weeks does not fit the definition of a quick resolution.

On XX/XX/XXXX we spoke with XXXX, who told me it had been sent to the investor and that there would be an update by Friday XX/XX/XXXX. Spoke with XXXX again on the XX/XX/XXXX and was told the same thing and asked to have a manager call me back.

Today, XX/XX/XXXX we called in and were told that they will not have an answer anytime soon, that the clock started over on the XX/XX/XXXX when we sent in the last document and now they have 30 MORE days to render a decision. The rep today was rude, refused to escalate file further and refused to allow me to speak to any manager. We did subsequently receive a call from XXXX  who says he escalated the issues to his manager and the processing teams manager. Which we appreciate, but doesnt rectify or solve our current problem of being continually and purposefully given inaccurate and outright false information. In passing along all the false information we have been given to the buyer, we have lost the buyers trust and faith. Here we are nearly two full months after the buyer accepted and met all terms dictated by SLS, and we havent even passed processing on this file.

SLS continually makes up document requests in an attempt to milk the servicing fees out of the investor, XXXX XXXX. They are defrauding the investor.

I want SLS to be investigated for these continual and deceptive communications. I want the short sale approval letter that we should have gotten shortly after the buyer accepted SLSs counter offer on XX/XX/XXXX. In addition, I want all employees in the loss mitigation department to be properly trained in how to read, and communicate accurately, the status of loss mitigation files.

CC : 1. XXXX XXXX 2. XXXX 3. XXXX XXXX
Consumer complaint received 2019-04-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IN)

I received a loan from Sallie Mae to attend XXXX XXXX XXXX XXXX XXXX. Before getting the loan I spoke to the school and advised them that I had XXXX and was not sure that I could attend as I would not be able to go to the campus very often or easily. XXXX XXXX assured me that this would not be an issue. The total loan amount I received from Sallie May totaled to around {$25000.00}. While attending the school I was also dealing with my medical condition and also working full-time. Without warning I was kicked out of the school from not being on the campus enough per week. I attempted to reconcile this with the school with no success. As I was paying on the student loan I noticed that none of the loan amount was ever refunded back to Sallie Mae. There were several courses, text books, and certification exam vouchers that I paid for with the loan, and I never received these materials from the school. I attempted to contact Sallie Mae to see if there was anything they could do with the school to have them return the remaining money for courses and materials that I did not use or receive and they would only advise me to contact the school. 

The loan servicer eventually changed to Navient. I kept repeating the process of attempting to have money returned to the loan servicer or for me to receive the materials and courses that I was not allowed to get from the school kicking me out. I still have not been able to get any progress on this. I don't feel I should have to pay the full loan amount for services or books/exam vouchers that I did not receive. 

Now, several years later Navient is not sending me any mail or anything regarding my student loan and am not able to make payments. It is listed as closed on my credit report but they are still reporting late payments on the account and it is still accuring interest.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

From XX/XX/XXXXto XX/XX/XXXX I was unemployed and collecting unemployment benefits from NYS. During this time, my loans with XXXX  were supposed to be in deferment. Due to an error on XXXX 's part, these loans were never placed in deferment and were instead placed in collections. As a federal student loan borrower, I was entitled to deferment or forbearance during my period of unemployment. Therefore, my credit reports do not currently accurately reflect previous payment statuses.

XXXX  representatives told me that because the delinquent payments were accurately reported inXX/XX/XXXXthat any subsequently initiated deferments would not allow for XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.

I expect my late payments and negative remarks to be removed from all CRAs within 14 days. I intend on disputing the processing of my deferment if need be.
Consumer complaint received 2022-09-08
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. (NJ)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it blatantly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from your credit report, it has been over 30 days so it should be removed immediately. I demand these accounts be deleted immediately or I will file for litigation for the hardship these inaccuracies costed me. Also, my information was impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (AR)

Sheffied Financial has been in communication with me concerning a debt that doesn't belong to me. It is a business account and I am not a cosigner on this debt. Yet, they continue to report this debt on my personal credit report. I have asked them to provide the contract bearing my signature showing that I am indeed a cosigner as evidence. I've asked them to cease and desist in regards to contacting me via my private residence and phone. They have failed to do so. This is a violation FCRA reporting standards among others.
Consumer complaint received 2019-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX of XXXX I applied for a Home Equity Line of Credit that was approved. Part of that HELOC required that I pay off the PACE loan on my home. When the HELOC provider paid the PACE loan they also paid the XX/XX/XXXX property tax bill. The following day my 1st Mortgage with Select Portfolio Servicing paid the same property tax bill. XXXX County Tax Collector mailed the duplicate payment back to Select Portfolio Serving on XX/XX/XXXX. Select Portfolio Servicing has verbally confirmed they have received the returned property tax payment. It does not show up in my escrow balance. I requested on XX/XX/XXXX to close my escrow account to try to get this over payment back. The escrow department has confirmed they sent the check to the cashier department XX/XX/XXXX. I have called Select Portfolio Servicing 6 times to get this money refunded. Every time i call i get the same answer : " I have emailed the escrow department to have them look into this and no sir we are not allowed to call the escrow department '' .Currently the refund of the property tax payment is {$8200.00} that i have not received back and the balance in my escrow account that was closed on XX/XX/XXXX is {$3300.00}. Select Portfolio Servicing is telling me they will not send my escrow balance until XX/XX/XXXX but that will only be the {$3300.00} and no one can tell me when i will get the refunded property tax part. The customer service people are very polite but don't get anything done. Can someone please help??? 

I have spoke to XXXX, XXXX, XXXX, XXXX, and someone the the last name XXXX as Select Portfolio Servicing. Can at least one of them do their job???
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Inquires are inaccurately appearing on my Transunion credit report and Transunion will not verify/investigate/remove them. The following inquires on my credit report were not authorized and I would like them removed. 

XXXX/XXXX -XX/XX/XXXX XXXX/XXXX -XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX
Consumer complaint received 2019-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

As of XX/XX/2018 a legal hold was placed on my XXXX bank account for {$4600.00} by the company LVNV Funding LLC. When inquiring about the origin of the hold, this company told me they do not have the information about the original debt but have the amount owed and the dates these purchases were made. The dates of the purchases are from when I was a teenager and the name on the account is not my correct name therefore is related to fraud/identity theft. When I contacted them about this they forwarded my call around what seemed like their entire company phone system and no one was able to help me file a claim for fraud. The hold has been on my account for almost a year and no resolution is in sight.
Consumer complaint received 2023-01-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account Number : XXXX
Consumer complaint received 2019-04-12
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: Experian Information Solutions Inc. (CA)

XX/XX/XXXX, I called XXXX  to get some hard inquiries removed because I did not authorize them. They told me they dont remove inquiries. How is it fair for them to sell my information to companies to pull my credit report and review without my knowledge and when it is brought to my attention and I try to dispute it they refuse to remove it?
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

In the last week of XX/XX/2019 I reported some of the fraudulent activity on my HSBC credit card with a police report. Its been three weeks I haven't received any letter regarding fraudulent activity. they haven't sent me my new card. Haven't given me any kind of credit and in fact sent my card to collections. 

I received a call from collections to collect {$50.00}. 

My card ends in XXXX which had fraudulent activity on it. 

Whenever I call customer care they just transfer me from one department to another, asking me If I am calling from US or not. Verifying me each time by each agent by sending me a text message which I never receive and then saying that my phone is not registered in US. I am totally irritated. 

Sometimes the call goes to XXXX other times to XXXX. 

When I applied for the credit card I was told that I will not be held responsible for unauthorized charges, so why the bank is not honoring it? 

Today was my 10th call regarding this matter. Most of the times when I call their fraud dept is closed. They are just transferring me from one department to another. Disgusting customer service. 

And when I am calling from the US phone number why they have to ask me each time that if I am calling from US or not? 

Today I received the bill from HSBC where they have changed the credit card number but haven't given me the credit for the fraudulent transactions. and there is no message in online secure center and customer service is rubbish
Consumer complaint received 2020-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (HI)

On XX/XX/XXXX I received an notice from Phoenix Financial Services that I owe {$46.00} for an unpaid medical bill from XXXX XXXX XXXX XXXX for services provided on XX/XX/XXXX. I called XXXX XXXX XXXX ( location where all services were rendered and the organization that billed for the services performed by XXXX XXXX XXXX XXXX ) and they notified me that the amount I was responsible for, {$210.00}, covered all expenses by all parties and was paid in full in a timely manner. Upon receiving copies of these letters I sent Phoenix Financial Services copies of the billing proving I have no outstanding balance. They received and signed for the letter sent by USPS Certified mail on XX/XX/XXXX. On XX/XX/XXXX I received a second notice saying I still owe them the {$46.00}, but I can reduce that amount to {$18.00} if I pay now.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (NJ)

Discover Card balance transfer balance was due XX/XX/XXXX. Paid in full, posted XX/XX/XXXX {$4400.00}. They applied payment to another balance transfer that was expiring in XX/XX/XXXX and the balance transfer that was due XX/XX/XXXX was changed to purchases at an interest rate 15.5 % and now 17.24 %. Their explanation is a policy that doesn't exist in the balance transfer agreement nor statement how they apply payments. Our position is per agreement and statement we paid the balance transfer prior to expiration. Their policy due to automatic payment of {$300.00} was applied to the 0 % balance transfer first, then the next highest was 4.9 % which they applied to balance transfer expiring XX/XX/XXXX. Thus the balance transfer we were paying is now XXXX %. They are taking advantage of policy not written in transfer agreement or on statement. Should be illegal since it takes advantage of consumers.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I applied for a credit card from XXXX XXXX on XX/XX/2019, Reference number XXXX. 
I received a letter dated XX/XX/2019 from Bank of America stating that my application has been denied for reasons such as no having enough credit references, etc. 
They provide a phone number that I can get a free report. I call the number but after entering my information it says I do not have a recent denial of credit. 
I have an excellent credit and my credit score is about as high as it can be. This is not the first time I am applying for XXXX XXXX credit card and be denied while having excellent credit. 

I called the Bank of America located at the address of this letter : XXXX XXXX XXXX XXXX, XXXX, NC XXXX but their system does not allow me to talk to a human. Also I called the credit agency XX/XX/XXXX at XXXX and they do not give me any option to report this issue. 
I need help. 

Thanks
Consumer complaint received 2020-02-07
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: JPMORGAN CHASE & CO. (CA)

I disputed an inquiry directly with Chase since I did not give permission to any entity to run my credit, and their response is a typical stall tactic they use asking me for information they should have already had since I disputed directly with a letter that had information needed.
Consumer complaint received 2023-02-24
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: CITIBANK, N.A. (CA)

I have tried to communicate with Macys About them violationg my rights, They also Sold my information without my consent to XXXX XXXX XXXX and are actively reporting an open account on my credit report without providing me with validation, i am not requesting verification of my mailing adress or email address. 

They alsp did not provide me the disclosure forms at the begining of the credit process to opt out of credit reporting or opting in which is required by law and grounds for deletion and a mall claim they also have not provided me any documentation, a signed consumer contract with my wet signature on it stating i agree to them sharing my personal information or giving them authorization to Furnish anything on my credit report. 

Ive contacted this company and the credit bureaus about this issue numerous times, i have documented the reception of my communication in XXXX and mid XXXX. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent Under 15 USC 1666b A creditor may not treat a payment on a credit account under an open end consumer credit plan as LATE fro any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement including the information required by section 1637b of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment is due.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am a victim of identity theft. I learned in XX/XX/XXXX in a phone call with a Capital One Representative that my personal information was used to open XXXX credit card accounts at Capital One, which are now closed and charged off. Furthermore, in this same phone call, I learned that my personal information was used to open XXXX checking/savings card account at Capital One. 

I did not open or authorize any of these accounts. I have disputed the XXXX credit card accounts opened in my name with Capital One on numerous occasions, over the phone. I have also mailed in dispute requests regarding these same fraudulent accounts on XX/XX/XXXX and XX/XX/XXXX, the latter of which I also requested a validation of the debt alleged to be owed and associated evidence associated with the accounts in question. On XX/XX/XXXX, by letter, Capital One indicated they could not provide me transaction history associated with the account and failed to respond to sufficiently to my other requests for documents that they have allegedly connecting me to the debt. They did, however, provide the dates on which payments were made on the accounts and the amounts in question. 

As such, then again on XX/XX/XXXX, I disputed these accounts again. However, in this mailed dispute, I provided my own bank account transaction history on the XXXX days they allege someone made payments on the fraudulent accounts. This bank account transaction history - - my only bank account - - shows no payments made to Capital One on the dates they suggest, demonstrating I did not make the alleged payments and reinforcing again that these accounts are the product of identity theft. 

Furthermore, on XX/XX/XXXX, I also disputed the debit card account, by mail, which was opened in my name, fraudulently, asking them to close the account which I had no knowledge was created. 

Because I sent this XX/XX/XXXX dispute through the Certified Mail, I have proof that Capital One received the dispute request on XX/XX/XXXX. It has been 32 days since Capital One received the dispute and nearly 38 days since I mailed them the dispute and I have not heard any result regarding the dispute of this investigation. In fact, I have heard from the XXXX major credit reporting agencies that Capital One continues to report the debt as valid, but has failed to 1 ) respond to my dispute request in a timely fashion, and 2 ) failed to provide sufficient documentation, such as a contract ( with a signature ), transaction history, and more, they believe connects me to the account in question.
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2019-04-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (WI)

I am on a mission to find help and relief from Navient ( sallie mae ). I was recruited to XXXX XXXX XXXX in 2007. The day I signed the papers for that loan was the day I fell I signed my life away to a prison sentence. I have been harassed. I have been bullied by the companies. They fear mongered. I am not trying to get money. I want freedom from this loan that keeps growing even though I have paid. The interest rate keeps going up. The school is closed. I see people allllll around being relieved ... why can't i? I can not find anyone to help me. Can you help me? Please? I am fighting sooooo hard to better my life.