davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

Select Portfolio Servicing ( SPS ) made an error by turning us down for mortgage assistance ( loss mitigation ) we filed on XX/XX/2019. SPS denial letter of XX/XX/2019 ( attached ) stated that SPS reviewed ( our ) complete Assistance Review Application for eligibility under its loss mitigation options which are established through investors rules denials are based on criteria where your account did not pass program eligibility This is a violation of RESPA regulations 12CFR1024.41 because SPS did not disclose any owner/assignee/investors/guarantor rules that were used to deny us the trial or permanent loan modification. SPS full disclosure of owner/assignee/investors investor rules used of loan modification denial is required by RESPA law.

12 CFR 1024.41 ( d ) ( 1 ) RESPA regulation states : if a trial or permanent loan modification option is denied because of a requirement of an owner or assignee of a mortgage loan, the specific reasons in the notice provided to the borrower must identify the owner or assignee of the mortgage loan and the requirement that is the basis of the denial. A statement that the denial of a loan modification option is based on an investor requirement, without additional information specifically identifying the relevant investor or guarantor and the specific applicable requirement, is insufficient.

Attached please find the Notice of Error regarding the above matter we mailed via USPS overnight mail. 
SPS response to CFPB complaint XXXX-XXXX regarding a separate matter of Qualified Written Request included some SPS statements regarding loss mitigation. However, loss mitigation errors discussed here were not subject of cited QWR and CFPB complaint. Previous cited complaint was initiated by HUD who received a copy of our QWR.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: LendingPoint Holdings LLC (NC)

On XX/XX/2022 {$160.00} was withdrawn from my company account with a description " PAYMENT LENDINGPOINT LLC XXXX XXXX XXXX ACH DEBIT ''. This was not an authorized charge on my account and I reached out to the company Lending Point who withdrew the money from my account and after a long conversation the man on the phone told me that there was no way for him to refund the money to my account and the best he could do was reach out to his accounting department to try and have them figure out if it was a typo or if they were given the wrong account number. This is absolutely ridiculous and they should not be withdrawing money from accounts without verification that the name on the account matches the name on the loan. Withdrawing money from the wrong account is fraud and they did not seem concerned at all that whoever had given them my account number had also participated in fraud.
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I notified XXXX, Experian, and XXXX of the following collection : XXXX XXXX XXXX for {$250.00} not being validated. On XX/XX/18 I requested that the bureaus conduct an investigation and validate this account as I have been unsuccessful. Neither bureau has been successful in validating the collection but they all continue to report in as a " verified account ''.
Consumer complaint received 2022-03-30
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. (NC)

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I Recently went to a car dealership and only authorized an inquiry for XXXX however the dealership ran my social across many companies and that has tremendously affected my credit score these are the unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX 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
Consumer complaint received 2022-03-30
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION (FL)

My Complaint is against XXXX XXXX going into my account and taking more that what I authorized them to take. I call them an address them will not give my money back said go to your bank. Very Rude and Unprofessional took my money when I am not working and had other bills coming out of my ACCOUNT
Consumer complaint received 2019-08-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TN)

I have requested the PMI be removed from my mortgage due to the fact that I have over 31 % equity in the property and have for well over 6 months. My written request for cancellation of the PMI along with proof that I now have equity far in excess of the requirements to drop PMI have been acknowledged yet denied by the loan servicer. 
Lakeview Loan Service is refusing to cancel the PMI from my loan.
Consumer complaint received 2022-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (NC)

I signed a lease for XXXX starting XX/XX/XXXX until XX/XX/XXXX. I gave a 60 day notice prior to moving out and not renewing my lease. All of XX/XX/XXXX my account showed no balance due. If I owed, there would have been an eviction notice on my door on the XXXX. I returned my keys Friday XX/XX/XXXX, but because covid restrictions had just been put in place, I was not allowed to enter the office and was told By the manager XXXX to give them to the maintenance guy that was standing in the door way of the office. There were no papers singed and as stated in the lease a final walk-through should have been done together. Then recurved a final notice on XX/XX/XXXX in which stated I did not move out until XX/XX/XXXX. 

( Tried to attach documents but the website seems to not be working, I can email them if needed )
Consumer complaint received 2022-03-30
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. (NV)

Transunion maintains two profiles of my credit report and is unwilling of combining them. This creates a lower score of about 100 score points versus the other credit reporting agencies.
Consumer complaint received 2022-03-30
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. (MS)

Inaccurate information reporting inaccurate information reporting Past Due items Inaccurate information that is in violation of my rights inaccurate information showing a recent balance inaccurate date of last activity
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I have sent in multiple FTC reports for fraudulent accounts to Equifax and they refuse to delete them. I have a afraid alert on my account and has had one for months. I need these to account immediately deleted because it is messing up my credit history and hindering me to buy a home! I need a new report delivered to me once deleted. Thank you amounts and dates as attached
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (AZ)

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts listed below. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$290.00}
Consumer complaint received 2022-03-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

XXXX XX/XX/XXXX, Wells Fargo failed to provide honest service to the United States Currency free-item ( XXXX ) Promissory Note Goods, i traded with their Agents due to " proprietary '' reasons. 

1 ) foreclosure matters SETTELED & DISCONTINUED XXXX ; 2 ) United States of America Department of State Authentication XXXX XX/XX/XXXX ; 3 ) Unconstitutional ( Evection ) XX/XX/XXXX FORCED REMOVALE ; see attached : 3 ) Identity Theft Affidavit OMB form 14039 XXXX XX/XX/XXXX ; 4 ) Internal Revenue Service verified identity theft claim letter XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

There is a criminal record recently showing up in my report. The record was expunged in XXXX. I talked to people at Experian when it first started showing up, in late XXXX ; they told me to fax them the expungement order. I did that twice, most recently XX/XX/XXXX ; yet the record continues to show up in my report.
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (PA)

I noticed on my TD Credit Card account, through TD Bank, I was charged the following late fees ;XX/XX/XXXX {$25.00} XX/XX/XXXX{$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX{$35.00} The due date for payment is the XXXX of every month. I do not receive a statement, however, payments are always made in the early morning of the XXXX of each month. When I called to discuss the charges on XX/XX/XXXX, I spoke with XXXX from Card Services. She acknowledged that I should not receive late fees, and she would rectify the issue. That did not happen. I called Card Services today, XX/XX/XXXX, spoke with XXXX the supervisor. She refused to assist me in rectifying this issue. I also contacted the Banking Commission, and they stated I should not be charged late fees and referred me to Consumer Protection, and as a result referred me to you. Any help you can offer would be most appreciated. Thank you for your time.
Consumer complaint received 2022-03-30
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. (MS)

Inaccurate information reporting inaccurate information reporting Past Due items Inaccurate information that is in violation of my rights inaccurate information showing a recent balance inaccurate date of last activity
Consumer complaint received 2022-03-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo issued a check in the amount of XXXX issued in my name and my fathers name this check was deposited into a XXXX XXXX XXXX XXXX account that was of no association to me and my name was forged on the check. I have been in constant contact with both banks and XXXX XXXX XXXX XXXX was willing to resolve this situation Once Wells Fargo supplied them with a affidavit of fraud and I have asked and requested this information for more than a year with several responses from the fraud didnt happen on Wells Fargo end to ask the other party on the check for the funds state employees has admitted to the forgery of my name and the depositing into an account of no association. But Wells Fargo refuses to assist me. I have filed police reports and several complaints with no help
Consumer complaint received 2024-03-19
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (CO)

Comenity Bank- I called this bank back in XX/XX/XXXX about this account. XXXX XXXX credit card.They would not access the account without my verification of a social security number or a account number. I would not give them my social security number. They could not verify my account and could not help me. Did not have a account number. 

XXXX I filed dispute claim XXXX XXXX as not my card or account with XXXX and froze my credit. They did nothing. 
XXXX I filed dispute claim- XX/XX/XXXX not my card or account with XXXX and froze my credit. They did nothing. 
XXXXI filed dispute claim- XX/XX/XXXX not my card or account with XXXX and froze my credit, to my knowledge they cleared this as not my account. 
XXXX XXXX XXXX Comenity Bank sold this account to XXXX XXXX XXXX. They sent me a letter XX/XX/XXXX as a debt collector. I responded in writing that this is not my account and my debt, the same day. XXXX responded with another letter dated XXXX with account information and timeline of the debt purchases.the information had only my name. The address was all wrong. I received the letter XX/XX/XXXX, and will again respond in writing. Again stating not my debt and filing a complaint with the Consumer Financial Protection Bureau. Thank you.
Consumer complaint received 2022-03-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

In XX/XX/XXXX, I received a XXXX IRA check from my employer ( {$170.00} ) so that I can place it into a XXXX IRA account at a broker. I went ahead to choose Fifth Third for that. I went to the Branch in XXXX XXXX, FL and let the know that I want to open a XXXX IRA account to deposit the check. I had the IRA Contributions form my employer gave me and the check. It took nearly 2 hours to do since the bankers didn't know how to do it. When they did it, I asked for the XXXX IRA account number so I can give it to my employer as requested. The following year in XXXX, I was given another XXXX IRA check ( {$550.00} ). I moved to XXXX, so I chose to deposit it there. They also didn't know how to do it and it took 2 hours again. The banker said they have to close it and reopen it with the total amount because the previous bank " set it up wrong ''. I became suspicious if it was even working. And wondered more about it. This third time ( XX/XX/XXXX ), I am back at the XXXX XXXX XXXX and to deposit my third check ( still in my possession ). But this time I asked if I really am in a XXXX IRA. They would not answer the question. They tell me I can not deposit because it's not allowed to deposit into a CD. I said it's not supposed to be a CD. And the banker gave me an attitude. He said IRA can be a CD or XXXX XXXX. I got upset. I don't know much about IRA till recently after counsel. But I called Fifth Third Broker number and they said I do not have an IRA account. Two years of retirement savings opportunity down the drain.
Consumer complaint received 2022-07-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (AZ)

I got my car and shortly after I was fired. I called my lender right away to ask about my option and they said I could do anything because I had not made 6 payments towards my loan. I explained to them that I was not going to be able to do that as of now and they said that there was no other options. I called today XX/XX/2022 to let them know I have still not found a job and I was told that my car would be repossessed and that I didn't have any options to keep my car. Every time I call to see how I'll be able to keep my car they just tell me it's too bad and that there's nothing to be done other than to pay them so they don't come get my car.
Consumer complaint received 2022-03-30
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-02-07
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. (DE)

I have tried get them to remove certain information from my credit report and they are writing me back saying I need to pay for my credit report and that I need to give them certain information. I know that 15 USC 1681 622 ( 4 ) regards my right to privacy. 15 USC 1681 ( 2 ), says that knowing the information is Inaccurate it must be deleted and not more information asked for. I have searched my account after so many years and I was shocked to see so many errors on my account. I am now starting to correct my account and fine that those who supposedly watched over it were not watching out for my good.
Consumer complaint received 2023-03-30
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)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2019-08-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (FL)

I opened my TD { in } convenience account under these " Terms '' online on XX/XX/2019 from the OFFICIAL TD BANK website for a {$150.00} promo they had going on at that time : " Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank, open their account online via this web page and complete the required qualifying criteria. '' Wait time was " no later than 95 days '' as per the terms. 

A month and a half after 95 days i sent them an email stating " Hello, I opened my account back when the {$150.00} promo was going on, it feels like its been over 125 days already. Any updates? Thanks. '' To make a long story short, this was their reply " Good afternoon, XXXX. 

Thank you for contacting us today about a recent promotion. 

We apologize for any confusion, XXXX. 

We had 2 types of promotions running when you opened your account. One was a mailed offer and one was available in Ads on sites that were not www.tdbank.com.

Our promotions department reviewed how your account was opened and we show that you used a promotional link from one of our mailed promotions instead of an Ad link from another website.

As we did not send a promotional mailer to your address in your name, you were not eligible to use the promotional link provided on our mailers to apply for the {$150.00} bonus. '' Mind you, I found this promo ONLINE, I didn't even know they had a mailer for that.