davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

This home was refinance by Obama home modification several years ago. The home now has several problems due to poor workmanship of the remodeling that was finance by this loan. The builder and the original mortgage financier went out of business during the XXXX housing crash. 

The builder and the original mortgage financier took advantage for my elderly mother by stripping all the equity out of her home and putting her in a 30 year adjustable interest rate loan when my mother only income was Social Security. Only a predatory would that advantage of an elderly person trying to improve the condition of their home. 

My mother has died ( XX/XX/XXXX ). SPS -Select Portfolio Servicing has  been notified. I have requested a loan forgiveness. I have tried to make payment arrangements. I had power of attorney of my mother during the last three years of her life. I have spoken with SPS several times before my mother death and after my mother deaths. 

Now SPS is refusing to speak with me since I don't have court order executor of estate which I can not afford. 

On the XX/XX/XXXX a SPS representative left a door hanger on the front door for my mother whom SPS knows is dead ( decease ) requesting for her to call. I update all contact information two year ago and again last year when my mother died before I sent them a death certificate. When I call SPS, reps will not speak with me. Sometime they will most times they don't. 

I was making payment by the telephone last year and earlier this year until SPS started charging {$15.00} to process a payment by telephone. 

The staff at SPS can be very evil, vindictive, and unhelpful. I have a case worker by the name of XXXX XXXX whom I have only spoken to once last year. He never has returned my call or do any follow-up. 

Up until XX/XX/XXXX, I could call the automatic line to get account information with my mother 's account number, last four of SSI number, and zip code. Now SPS has added and telelphone number that is invalid so now I have no access to account infomation and SPS reps are now even more refusing to speak with me.

I sincerely believe SPS- Select Portfolio Servicing is intentionally trying to foreclose on this home. It is my understanding the Obama 's home modification protects SPS and SPS will get paid off regardless of foreclosing.
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (CA)

On XX/XX/year> received a text from my bank that my personal information had been changed and to contact them if I didnt imitate the changes. I didnt make the changes and called the bank. They froze my account and told me they can not verify who I am. I provided them with my valid drivers license and a selfie per their requirement, I have tried this twice. They are telling me my selfie isnt verifying. Its my account my money!!! I dont know what else to do.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (AZ)

he class action multi state settlement includes my loan repossession I have called Santander consumer attorney generals office for both the state I reside and sate I resided at the time. The settlement administrator I get ran through circles and told I just have to wait no timeline given. Currently trying to obtain a mortgage and this is XXXX on my credit. I have been trying to get a resolution for weeks and its so frustrating and disheartening. I have obtained a copy of the judgment to attach to this if I dont qualify for the deficiency wavier I would atleast like an explanation as to why.
Consumer complaint received 2022-03-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL CENTER LLC (VA)

Misleading advertisement by the CapCenter, Virginia. The CapCenter advertises zero closing mortgages. For example, when quoted on-line it shows that for an investment property XXXX fixed loan is priced at 3.5 % and that closing costs are only the taxes to be paid. After application is filed ( XXXX is XXXX ), the company reports that they need to charge a $ XXXX fee because property is " investment '' or charge a higher XXXX ( XXXX higher than quoted on-line ). Both on-line and after application quote have the same information, same purpose, same assumptions and the same income information. This is a predatory lending practice.
Consumer complaint received 2022-03-21
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. (IL)

I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT.IT HAD BEEN WELL OVER 30 DAY AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS. HARD INQUIRYS
Consumer complaint received 2020-11-11
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: Mid-Atlantic Finance Co., Inc. (TX)

Good Day, I am XXXX XXXX and my reason for me reaching out today is to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2022-03-21
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: EQUIFAX, INC. (IL)

I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT.IT HAD BEEN WELL OVER 30 DAY AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS. HARD INQUIRYS
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

I recently in XX/XX/XXXX did a dispute with XXXX XXXX which also affected my XXXX report. The dispute was to show that I paid Penny Mac mortgage off because it was showing that the account was still open. I sold the home and paid the mortgage off in XX/XX/XXXX of XXXX. Prior to selling the home I was in chapter XXXX, which ended in XXXX due to I was all paid in full including my mortgage which I even made XXXX from the selling of the home so the home was not lost to any bankruptcy. The trustee was making the payments from XXXX to XXXX when the house was sold on time every month. Now that the bankruptcy is over its showing on my report that PennyMac did not report anything during the bankruptcy so each month its showing blank no reporting which is fine but at the bottom PennyMac is making a comments or somebody is putting comments in my account showing XXXX to 150 days delinquent. Within other parts of the credit report its showing no late payments. I have lost the ability to get a mortgage now in the middle of waiting to close on my new home because of this new statement on my credit report. I am losing all the money that I put down to hold the home all the money that I put into applying for the mortgage because PennyMac refuses to let them know that there is no 150 days delinquent or 120 days delinquent even though PennyMac did a conference call with factual data and told them there was no 120 days 150 days late now theyre turning around same because I did of voluntary dismissal of my chapter XXXX because I didnt need the chapter XXXX anymore because I was all paid in full with my mortgage that is a reason that theyre giving me for why theyre reporting it late or delinquent when they dont even have any reportings. I have my payments from PennyMac on the PennyMac website which I have printed showing payments made every month no payments were missed at 120 days or 160 days or 150 days or 30 days or 90 days or 60 days they were always paid. PennyMac is ruining my credit and Id like something done about it please. The only reason Im including freedom mortgage is because I try to get a new mortgage and the underwriter ran my credit the first time and everything was fine and then were moving on to getting closer to closing they ran my credit again and PennyMac and added the statement about 120 days delinquent as of XXXX when the account was already closed in XX/XX/XXXX they pulled my mortgage and I am losing all my money that I had invested in the house because PennyMac gave a verbal to factual data that I was not 120 days overdue on a conference call but then they said they wanted a letter and PennyMac is refusing to do it and now PennyMac is putting this on my credit pork with 150 days in XXXX and I was getting Hire instead of XXXX and nothing is working and Im losing everything I have because of them
Consumer complaint received 2021-03-10
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-11-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

on XXXX I sent in a dispute letter demanding deletions from inaccurate information and accounts that are furnished on my credit report. It has been over 45 days and I have not heard anything back. I feel like my issue is not being taken serious. I am also a victim of the XXXX  data breach. I have contacted XXXX, XXXX, and Experian. All 3 bureaus are in violation the FCRA 1681B I DID NOT GIVE WRITTEN CONSENT FOR ANY OF THE ACCOUNTS IN DISPUTE TO BE FURNISHED.
Consumer complaint received 2018-09-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Finance Company, Inc. (CO)

I have tried repeatedly to have these medical Bill 's removed from my credit. Multiple times I've been contacted and threatened to have my credit damage unless I paid the Bill 's. I am a XXXX   veteran and Medicaid paid the Bill 's. Also the va made a payment but they still refuse to remove the medical Bill 's from my credit.
Consumer complaint received 2022-10-11
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT.IT HAD BEEN WELL OVER 30 DAY AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS. HARD INQUIRYS
Consumer complaint received 2020-11-11
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: EQUIFAX, INC. (CA)

My personal information, birth certificate, driver 's license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I went to XXXX XXXX XXXX to get a credit card, and I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. I did not receive any money, goods, services, or another benefit as the result of the events described in this report. I filed a police report with XXXX XXXX Police and its ongoing investigation, no perpetrators have been found. Please delete the following accounts that are a result of identity theft. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. I certify to the best of my knowledge, all the information is true and correct.
Consumer complaint received 2022-03-21
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: Avadyne Health Holdings, Inc (TN)

I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. 
IT HAD BEEN WELL OVER 30 DAY AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (IN)

On Monday XX/XX/XXXX at XXXX XXXX  I instant transferred my earnings from XXXX in the amount of {$100.00}. Overnight, my deposit has disappeared and my account has become negative. Regions intentionally removed my deposit to overdraft my account. I opt out of overdraft coverage so this scenario shouldn't be possible. I have to have an available balance to make any transaction.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The information on early warning is inaccurate and invalidated should be removed immediately. 
Bank of America XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-02-14
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)

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2020-11-11
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. (CA)

My personal information, birth certificate, driver 's license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I went to XXXX XXXX XXXX to get a credit card, and I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. I did not receive any money, goods, services, or another benefit as the result of the events described in this report. I filed a police report with XXXX XXXX Police and its ongoing investigation, no perpetrators have been found. Please delete the following accounts that are a result of identity theft. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. I certify to the best of my knowledge, all the information is true and correct.
Consumer complaint received 2021-03-10
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. (TX)

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, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$820.00} past due as of XX/XX/2021. 
Account TypeCollection Balance {$820.00} Date XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account XXXX XXXX {$850.00} Date XXXX Dispute
Consumer complaint received 2019-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Wednesday, XX/XX/2019 Nationstar Mortgage LLC, d/b/a Mr. Cooper. 

Request for Information, 3rd effort Dear Mr. Cooper, The Consumer Financial Protection Bureau ( CFPB ) has noted, in its Official Interpretations of this provision, that a QWR is not required to include both types of requests. For example, a qualified written request may request information relating to the servicing of a mortgage loan but not assert that an error relating to the servicing of a loan has occurred. See 12 C.F.R. Part 1024, Supp. I, 1024.31.

1. I have asked for your Corporate Policy regarding Fraudulent Loan Documentation on the phone with XXXX XXXX, several times and on several dates, and in writing too - but without any mention of this in any of your replies. 

Please provide me with your policy or deny that you have one. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-21
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: CITIBANK, N.A. (TX)

The Home Depot/Cbna has XXXX to do a proper investigation and independent investigation. Ive sent several certified dispute letters regarding the inaccurate late payments. XX/XX/XXXX is 30 days late, XX/XX/XXXX is 60 days late, XX/XX/XXXX is 90 days late, and XX/XX/XXXX is 30 days late. 

I've asked for proof that I was late the month Home Depot has reported but they fail to reply to anything.. Home Depot simply ignores my disputes. They think they are simply above the law and they can just ignore it. 

Violation & Inaccuracies Failed to enter the Notice of Dispute within 30 days It is a Violation to report a {$500.00} Credit Limit on a account that has been closed since XXXX The Home Depot Said the account is reporting certified accurate AND correct information. But how can this account be accurate when this account has been disputed 4 consecutive months yet the " Status Date Updated is XX/XX/XXXX. '' That's impossible to be reporting Certified accurate VERIFIED information WHEN THE STATUS DATE HAS NEVER CHANGED XXXX SO THAT MEANS THIS ACCOUNT HAS NEVER BEEN independently INVESTIGATED. VIOLATION OF SECTION XXXX.
Consumer complaint received 2022-02-11
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: EQUIFAX, INC. (MD)

I sent in multiple letters last XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
XXXX XXXX XXXX XXXX ( XXXX ) validation of debt XXXX XXXX XXXX XXXX harassment and abuse XXXX XXXX XXXX XXXX False or misleading representations XXXX XXXX XXXX 1692f-Unfair practices Under XXXX XXXX XXXX XXXX civil liability
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I noticed that Trans Union was charging my XXXX  XXXX credit card XXXX on XX/XX/2021 and XX/XX/2021 for services that I never would have authorized. I did download a free credit report in early XXXX but never would have agreed to that service. 

I called XXXX XXXX and got a refund for those charges and had the service blocked. They told me that they have had similar complaints recently. 

I would appreciate it if you would investigate and let me know what you find, including a history of other similar complaints. 

Thank you for your time. 

XXXX XXXX