davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (CA)

Our loan is serviced by Selene Finance, LP. It was an investment property which is now our primary property. Selene had given us a rate of 5.85 % as an investment property. We had renters staying there from XXXX till early part of XXXX. They stopped paying rent as their business was affected by Covid and they have moved out since and we have moved in and is now our primary dwelling. We are affected by not being able to get jobs to sustain us as we previously did due to our age. The tenants were protected by eviction ( rental ) moratoriums and now that they have left, we are left owing their arrears. We have a lot of equity in the house and want to hold it for another 3 to 5 years at least. Therefore we have requested Selene Finance to work with us on an affordable loan modification and they are not dropping the rate from a investment account to a primary owned property. 

For the last 3 to 6 months, we have requested Selene Finance for a loan modification that will help us retain the house by 1. Deferring the arrears to the back of the loan 2. To drop the current rate of 5.85 % ( investment home rate ) to around 2.5 % ( more in line with a primary home rate ) 3. to spread the terms over 40 years to make it more affordable for us We have made this request a couple of times by increasing withdrawal from our retirement income. They have denied us the loan modification based on our income. I have requested to see what interest rate they have used to qualify us and deny us and what income we need to have. We have also requested the investors name and contact information and they have denied to furnish us with this information. We would like CFPB to get involved and have them work with us. 

We have appealed their denial before and we will be appealing their second denial as we submitted our second application based on numbers given to us by some kind souls at Selene trying to help us get a loan modification and they still denied us. 

Please help us with this process. Thank you. Your help is greatly appreciated.
Consumer complaint received 2021-05-12
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: HSBC NORTH AMERICA HOLDINGS INC. (SC)

Charges appeared on card that we did not authorize XX/XX/XXXX To there credit, our credit card company alerted us on XX/XX/XXXX of fraud alert and began process of closing old card. 

Unfortunately at this point a new card was issued to us and we were advised that our account was under investigation. 

Upon issuance of the new card, our old card with fraudulent charges was having balances transferred to our new card. 

This is where we have hit a wall with our credit card company. These charges were not incurred by us but we are being forced to deal with payment and late fees every month. 

We simply need help to get this company to resolve our account back to zero, prior to fraudulent charges back in XX/XX/XXXX but can't get company to resolve due to poor communication from the company. 

We have spreadsheets and documentation we'll gladly share to support our issue.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Hello, my name is XXXX XXXX and this is my second attempt to mediate this current dilemma. I have attached my exhibits and identification for your review. 

I look forward to your prompt attention.
Consumer complaint received 2022-02-15
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. (MD)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

The loan has an impound account and the servicer is responsible for paying taxes and insurance. However, the insuree ( XXXX XXXX XXXX ) has not received the insurance payment and hence canceled the insurance policy for the property. 

I have tried multiple attempts to try to resolve this between Specialized Loan Servicing and XXXX XXXX. No action has been taken to remediate the issue.
Consumer complaint received 2019-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the student loan account with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. DPT ED/XXXX XXXX
Consumer complaint received 2022-03-11
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. (MI)

TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX/XXXX  XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance : {$16000.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} MI XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$4900.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$4300.00} US DEPT ED XXXX Balance : {$1700.00} US DEPT ED XXXX Balance XXXX {$1300.00} US DEPT ED XXXX Balance : {$1700.00} US DEPT ED XXXX Balance : XXXX US DEPT ED XXXX Balance : {$8000.00} US DEPT ED XXXX Balance : {$4200.00} US DEPT ED XXXX Balance : {$1800.00} US DEPT ED XXXX Balance : {$1800.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$4200.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$8300.00} US DEPT ED XXXX Balance : {$3400.00} XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-05-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

n XX/XX/2021, I wrote to you requesting an investigation into items that I know for sure are inaccurately reporting on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. This was not done ; therefore, I want this information removed from my credit report for failure to conduct investigation within 30 days. Please be aware that you are in violation with not only the FCRA but also the FDPCA FCRA violations 1. Failing to follow reasonable procedures for ensuring the accuracy of consumer information.

2. Failing to properly investigate or reinvestigate a consumers dispute. FDCPA 1. If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector Also stop using stall tactics, such as you don't recognize me request or need authorization or I will pursue civil litigation against you!
Consumer complaint received 2019-08-07
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: EQUIFAX, INC. (GA)

I have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX XXXX
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

It is the very tricky fraud Capital One uses to deceive its clients and I want to report it. 

I opened a credit card in XXXX, XXXX XXXX, and received 0 % introductory APR for 9 months. 
My 0 % introductory APR expired on XX/XX/XXXX and my billing cycle also closed on XXXX  of every month. 

I have XXXX in XXXX and I saw a very dubious situation - what happens if I pay my balance in full after XX/XX/XXXX. I called to capital one and asked this question and I received an unambiguous answer : they told me that I would get my statement for XXXX XXXX exactly on XX/XX/XXXX and if I pay it in full during a grace period they would not charge any interest. 

They record all calls I believe. 
I had XXXX balance, I paid in full on XX/XX/XXXX. Today I got my next statement and it shows interest only since I had no charges. 

I am in-furious. I called them and reported this fraud, they said they are willing to write off this interest, but I am mad because of this practice - they lie to their clients. 

They charged the interest, and a supervisor tried to explain me that I should have closed my balance before the expiration of the intro APR to avoid the interest charge, but when I insisted he would listen my previous call to the bank, he put me on silence, and when he returned back he wrote off interest rate. 

I complained that I have no tolerance for that but they do not care. 

They also do another nasty thing - they do not report the date of 0 % APR expiration on statements, you never know when it expires. you only see it online, but not on PDF statement.
Consumer complaint received 2022-03-28
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: Experian Information Solutions Inc. (AL)

Last year I called all three credit Bureaus regarding the inquiries thats been reporting on my credit report. I informed them that Ive contacted the companies and that they aggressively to remove them but hasnt the credit bureaus transfer me to the fraud department and I was told that the matter would be taken care of and now I still see these inquiries on my report including more. Ive been trying to get a Mortgage loan and when I see my report I see more inquiries reporting on my credit from this year XXXX. I have the MyFICO app which told me that my personal information is on the desk web. The inquiries thats listed on XXXX : is credit plus XXXX XXXX and XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. XXXX certified credit XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 EXPERIAN 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
Consumer complaint received 2021-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Wakefield and Associates has stated that they spoke with me on XX/XX/2020 about this alleged debt. This is not true. They sent a " patient statement '' that has a home address that is not mine. I've never lived at a XXXX XXXX XXXX in XXXX TN. They purchased this debt for pennies on the dollar and trying to make a profit by any means necessary. Their deceitful collection tactics are shameful
Consumer complaint received 2022-03-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-08-28
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: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX a merchant, XXXX XXXX XXXX XXXX, double charged me for services. I called Well Fargo to dispute the second charge. After Wells Fargos investigation, they determined that my dispute claim is denied. After the denial, I call Wells Fargo on XX/XX/XXXX to get a better understanding of the claim denial. In turn, the supplied with a new credit card I did not ask for and ultimately never resolved my claim.
Consumer complaint received 2019-08-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

XXXX report shows no derogatory remarks yet I have to open a bank at a second chance bank. XXXX  XXXX XXXX closed my account and wouldn't tell me why and neither will XXXX. I was a XXXX XXXX XXXX customer for 2 years.There seems to be some confusion regarding my address. I was living at my mom 's house in XXXX then I got my apartment in XXXX which according to the XXXX XXXX XXXX  is XXXX XXXX XXXX XXXX My fiance has the gas bill with this address listed. However when applying for or paying for goods and services, bills etc, a few companies use data entry systems, ( such as the bank I currently bank with XXXX ) that absolutely do not allow the employee entering your information to type the / symbol as part of your address. 

My consumer ID is XXXX
Consumer complaint received 2022-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CO)

Hello. My wife and I took advantage of the mortgage federal forbearance period with Chase Bank. We stayed in frequent contact and everything was fine until we exited the forbearance period. I was told by chase mort reps on the direct line several times after making the first month payment we would be able to setup auto draft for the 2nd month onward ( XXXX ). I was just told this would now be impossible until XXXX. 1 issue is the payment was applied to a date several months behind and not the current month of XXXX. This is exactly opposite of what a rep said while taking my payment for XXXX We'll ignore the lying good/bad intended for now. The 2nd issue is with auto draft we can pay half the mortgage every 2 weeks. This helps our family budget out finances, save, and pay debt faster on those 3 paycheck months. By not having access to this auto draft in XXXX ( which was promised and assured as fact by several diff chase reps on diff days over months leading to our exiting forbearance ) we are now being put into a costly short term financial situation. We asked chase how this process would work so we all would be clear. Now they are saying different things based on the day, ignoring the words of licensed agents on previously recorded lines, and being extremely ambiguous, circular, & confusing in how we are supposed to pay the note current. This is either a mortgage servicing company blatantly trying to take advantage of federal ambiguity to recover its own book numbers by fudging dates/payments or sheer incompetence by nervous licensed call reps who say whatever they want to get the caller off the line. The reps and/or servicing dept are XXXX. As a fellow financier with multiple licenses I find this both insulting and disgusting. It gives all of us a bad name. If we were told to expect a full monthly payment we would have planned on it. We were told a half biweekly was going to happen.
Consumer complaint received 2019-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

there is no sufficient information to support Transunion and XXXX XXXX  claim, XXXX  XXXX. This creditor has been posting my payments late but i religiously paid on time. Please remove the late remark from my credit report ASAP
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (FL)

On XX/XX/2022, 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 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
Consumer complaint received 2021-05-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

I was reviewing my XXXX  credit report. I have a credit card debt and midland funding/midland management credit bought the debt. This debt is more than seven years old. I spoke to someone two weeks ago and was told I owe {$2200.00}. But on my credit report it states I owe {$1700.00} when I disputed the debt with XXXX the debt was raised to {$1800.00} on my credit report within two weeks. I requested an itemized bill for the debt. I spoke to XXXX XXXX he refused to send me an itemized bill. I requested this two weeks ago and was told they will send one out. I believe they are fraudulent because they have an XXXX accent but giving me American names? XXXX XXXX also stated the debt was opened sometime XX/XX/XXXX. This debt is over 7 years older which should be removed from my credit report but XXXX XXXX told it will stay on my credit report and interest will continue to accumulate? XXXX XXXX lied and told me a judgement was filed against me in XXXX but I never received any paperwork or there is nothing on my credit report indicating a judgement. I called XXXX courts they stated there is no or never was judgement against me in XX/XX/XXXX. So XXXX XXXX proceeded to tell me the judge charging for paperwork which is an additional {$500.00}. I requested all information XXXX XXXX refused to mail anything out because I refuse to agree to the balance. By law after 7 years this should have been removed along with the derogatory remark.