davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

SPS has neglected to pay the property tax on my second parcel, and the County is going to foreclose on my home next month because of this neglect. I have been contacting them since XX/XX/year>, and I keep getting pushed off. Every person I talk to say they are sending it to the " Escalation Department '' and for me to contact them back in 10 days. Well, it has been over 3 months and I keep getting the same answer, and my taxes have not been paid. 

The money was taken out of my escrow to pay these taxes, but it has not been paid according to the County. I have given the County, SPS their " reference # '' they gave me, trying to appease our phone conversations, saying that they have paid but have not been able to give me a check number, nor given me a copy of a check. Their supervisors have given me different dates the check was sent, and different dates the so called check was cashed. Also, the amounts have changed with each person I have talked to. My first parcel was paid by wire, but how was this second parcel paid? No one can give me an answer. 

This is absolutely ridiculous, I feel they have stolen my money and not paid the County. They will not get on the phone with me and the County to resolve this issue. I have called over XXXX times, and they have all the notes every time I call in, but no one can give me a correct answer. I have emailed every department including their tax department every delinquent tax statement I have received ( Screenshot added ). The amount was originally {$3800.00}, with the monthly fees added, the total is now {$4400.00} and rising.
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/XXXX I called and requested a Credit Line Increase for my Apple Card from Goldman Sacs. That request was denied for the following reason : " Your XXXX credit report shows you have recently been reported as past due on one or more account ( s ). '' I do not have any " recent '' late payments from my credit report. Last late payment being reported is 5+ years ago thus making this justification false. While still on the phone I attempted to get the reasoning behind this. I was told the issue was escalated to " underwriting '' to get an answer. 

Today, XX/XX/2023, I got a call from Apple Card. The person was calling from their cellphone and engaged in what can only be described as " Stone Walling ''. She refused to provide any information, refused to transfer the call to a Supervisor/Manager ( likely as she was unable to transfer from her cell-phone ) until she hungup on me.
Consumer complaint received 2022-06-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (MI)

Discover closed my banking account on XXXX XX/XX/2022 with no other details than " due to a business decision. '' They refused to offer me further information when asked. This came after freezing my account on XX/XX/2022. This required me to stay on hold for over 14 cumulative hours to even talk to a security representative as they had no means of other contact and had high volume supposedly for " fraud attacks. '' Calls were frequently dropped on their end after being on hold for XXXX minutes at a time. My account was in good standing with a maintained balance and no overdrafts, fines, etc. I had recently made a deposit of {$16000.00} from a check that was a gift from my mother.
Consumer complaint received 2022-06-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION ()

live in the XXXX and have rental properties in XXXX from which I take income. Years ago I setup wire transfers with Suntrust and received the alphanumeric pin and got a repeat code for international transfers to my XXXX broker. Calling their wire ops and using my codes was quick and easy. I was concerned with the effect of the merger with Truist but everything seemed smooth. Until XXXX. When I called to initiate my usual repeat wire I was redirected to the new Truist wire operations department but it appears the system has changed and I now require a new 6 digit phone wire profile and corresponding pin. This is where the 'fun ' began. Over the first week in XXXX week I called 27 times and spent a total of over 7 hours on calls in an attempt to apply for these new access codes, but their system constantly throws me out as it does not recognise my lack of SSN, ( as a non XXXX resident I do not have one just an ITIN ), tells me I'm transferring to an operator and then cuts me off. If I try the wire numbers ( retail or Treasury ) I can't get past not having a pin to speak with someone. On the rare 3 occasions I finally managed to talk to an associate they didn't know what to do either and I've been transferred around everywhere in circles. The last call was with a lovely lady in Treasury who tried and tried to find this information for 2 hours and 13 minutes before transferring me in desperation and ... ..the number was " unavailable in my location ''. I've now tried 8 separate telephone numbers in the process. I used webchat and called my XXXX branch and no one there could help at all either. I even tried to contact Corporate headquarters but again ran into an automated menu with no option to speak with anyone directly. I emailed their CEO directly, their investor relation and even their media department but all were ignored. So, XXXX XXXX I made a physical branch visit as I was in DC and spent XXXX hours with a Senior Relationship banker as he tried to assist. I left him for another XXXX hours working on it and went to lunch. On my return he informed me that Truist does not have phone wire transfer facilities for " ordinary '' retail clients only for business and hi net worth accounts. Everyone else has to go into a branch ( from XXXX!? ) He then explained he had managed to contact the department that services hi net clients and they would make an exception for me. I signed the authorisations that day and flew back to the XXXX. That was nearly 2 months ago and I STILL have had no contact from anyone in Truist to give me the required wire profile code and pin to enable me to access my funds. This is the only way I can get at my money and Truist do not care, in effect they are knowingly obstructing me access to my funds for months now.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (AZ)

I do not have an account with LVNV FUNDING LLC, the original debts were a secure credit cards and paid, yet they continue to put the debts on my credit report. They removed it when I submitted a complaint with CFPB before and then added it again. There are 3 accounts that they keep adding to my credit report one fore {$1100.00}, one for {$630.00} and one for {$460.00}.
Consumer complaint received 2022-03-06
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. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown 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 taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX I have submitted disputes to Experian, XXXX, and XXXX in regard to items on my credit report i believe to be invalid, Incorrect, or outdated on XX/XX/2022. I have not heard in regard to my disputes, so I sent in another letter on XX/XX/2022, for more information in regard to my disputes and still have not heard back with the information I request for items on my credit report. I would like a immediate response in regards to the validity of the items on my reports.
Consumer complaint received 2022-03-05
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. (GA)

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 2022-03-05
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. (GA)

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 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Experian has Failed to show many any proof. Who conducted the Investigation? XXXX XXXX BANK Is being incorrectly reported on my Experian credit Report
Consumer complaint received 2022-02-03
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. (TX)

Reporting inaccurate and unverified information on my credit report that is harming my reputation as a consumer and ability to make necessary banking transactions. ( Reporting alleged debt of {$1100.00} and {$2800.00} allegedly owed to XXXX XXXX XXXX XXXX. Reporting alleged debt of {$22000.00} and amount of {$1100.00} past due allegedly owed to XXXX XXXX XXXX. Reporting alleged debt of {$3000.00} allegedly due to XXXX XXXX. Reporting alleged debt of {$420.00} allegedly due to XXXX XXXX XXXX  who I have no written contract with. Reporting alleged debt of {$1100.00} allegedly due to XXXX XXXX who I have no written contract with. Reporting alleged debt of {$100.00} allegedly due to XXXX XXXX XXXX who I have no written contract with. Reporting alleged collection from XXXX XXXX XXXX XXXX XXXX who I have no written contract with. Violations of 15 USC 1692b ( 2 ) stating that I owe Debt. Violations of 15 USC 1692d ( 1 ) using language that causes harm to my reputation as a consumer and is hindering my ability to conduct banking transactions. )
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

My personal credit card ( ending XXXX ) with Elan Financial has a regular balance of {$40.00} ( see attached document from Elan 's myaccount access.com ). 

Elan Financial " criminally, willfully & fraudulently '' reported my balance of my personal credit card ( ending XXXX ) {$710.00}, to all credit reporting agencies in particular XXXX and XXXX. Thus, my XXXX score " dropped '' by at least XXXX points. This is NOT a isolated incident by Elan Financial- there are many willful and criminally motivated FCRA violations. 
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Consumer complaint received 2022-06-19
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. (MA)

This communication is to put you on notice that you are furnishing inaccurate and incorrect information to my consumer report. The reporting of such inaccurate information has caused severe damage to my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. You and your inaccurate reporting have damaged my livelihood. 

It is not my responsibility to make sure you are in compliance with the Fair Credit Reporting Act, however it is my responsibility to make sure every item is reporting to my consumer report accurately so that my credit report is equitable to me. So take notice! I am not asking you to verify the validity of this debt. After reviewing 7 CFR 1956.54 the code of federal regulations defines a charge off as he writing off of a debt and termination of collection activity without release of personal liability. THIS MEANS YOU MUST CEASE ALL COLLECTION ACTIVITY. I came across a recent IRS publication on the IRS website in which the IRS defines a charge off a gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of the following account inaccurate! 

XXXX XXXX XXXX XXXXXXXX XXXX account # - XXXX
Consumer complaint received 2022-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

XXXX XXXX XXXX  XXXX took advantage of our perfect credit history and sold our loan off within 39 days after closing to what we have experienced to be a fraudulent incompetent servicer called Shellpoint Mortgage which I guess is owned by XXXX XXXX. We have tried to get support many times as they barely answer their phones, they lie about receiving simple documents such as auto pay for our loan, and never response to related fax or emails. This is disturbing as we own many houses and never had issues with normal banks but these two XXXX XXXX operations are trying it seems to force issues for home owners by not communicating now over 90 days to take auto payments perhaps attempting to force great credit worth experienced home buyers to be late so they can collect late fees. Unfortunately thats how this experience had been with XXXX XXXX now the servicer they passed us off too, shell point mortgage. 

Further they send threatening letters claiming our documented home insurance that we needed to close the loan with XXXX XXXX wasnt on File. We repeatedly called and sent emails to the requested communication emails with proof as did our insurance agent. Still no confirmation this was received to rectify their misappropriation of our documents they XXXX mortgage who sold us to this servicer should have organized and not harassed us by mail. They can mail stuff but cant respond when we many times to try to get them documents again to rectify their negligence. 

They werent even taking our information to set up an online account initially when we were transferred to shellpoint until a few days into our first Month under their contract ti service our loan. We couldnt get our new account information. Terrible fraud being perpetuated and negligence. We must investigate the process
Consumer complaint received 2024-05-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (OH)

I was in school with XXXX University in XXXX XXXX  from XX/XX/XXXX through XXXX of XXXX where I received my XXXX XXXX XXXX degree in XXXX XXXX. 
I ended up with around $ XXXX in Federal debt in student loans, and another $ XXXX in private loans. 

My federal loans were through XXXX, and as of a year ago, those have been forgiven through a Borrowers Defense Claim. 

My Private Loans were with MOHELA, and in XXXX of XXXX, I refinanced with XXXX. 
I had XXXX loans that I was paying with a total every month around {$470.00}, all three with varying interest rates. 

With XXXX it is a little easier on my wallet, with a XXXX XXXX rate and a payment of {$320.00}
Consumer complaint received 2022-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX I tried to call XXXX to fix an order. The people said the XXXX account has been compromised. They had me use XXXX to transfer XXXX XXXX They said the money would not come out. I was scammed. They bought XXXX XXXX cards and also too money from my XXXX account. Bank of has refused to give me the money back. I have made a Sherriff report and also reported to the FBI. I have made multiple calls and gone into the bank many times. I just get letters stating that I sent the money and need to get it back from whoever I sent it to. They also had me get an App called my desk and sign up for Crypto currency through moon. I read about scams and Regulation E. Can you please help me? Thank you
Consumer complaint received 2018-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Check fraud/misappropiated funds : Wells Fargo bank deposited a check we wrote to a different company or person than listed on check. Seeking reimbursement for misappropriated funds. 

Date of check XX/XX/XXXX amount : {$1200.00} date redeemed : XX/XX/XXXX Have not been reimbursed for Wells Fargo mistake. I called Wells Fargo after it was processed after being contacted by the intended recipient about the missing payment they were expecting. Wells Fargo confirmed that the account funds were deposited to was not the same as written on the check, but would not tell me the account holder name nor would not process a reimbursement. Wells Fargo told me that I needed to go through our bank to process a request for for reimbursement for this check that was deposited to their account holders account in error. 

I started a claim through our bank on XX/XX/XXXX. I provided the required paperwork with a signed statement from payee confirming they did not receive the check or receive the funds. Our bank submitted the claim to Wells Fargo on XX/XX/XXXX. They advised me it could take 90 business days. I had followed up with them several times over the past few months inquiring about the claim status. each time they said there was not response, although there was a response of receipt of claim initially. 

Finally on XX/XX/XXXX received a letter from our bank saying that Wells Fargo has not responded to any of their multiple attempts regarding my claim and thus have closed the case. It has been 6 months since filing this claim and it has not been resolved, nor has Wells Fargo responded.
Consumer complaint received 2022-06-19
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: Experian Information Solutions Inc. (IL)

Accordance with Fair Credit Reporting Act XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 Section 602 A. States I have the Right to Privacy 15 U.S.C 1681 Section 604 A Section 2.

It also states a Consumer Reporting agency can not furnish account without my written instructions.
Consumer complaint received 2024-05-30
Product: Credit 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: JPMORGAN CHASE & CO. (NY)

In XX/XX/XXXX, a merchant charged my Chase Freedom XXXX XXXX XXXX for {$660.00}. This charge was posted on my XXXX statement payable in XXXX. In XX/XX/XXXX ( within 90 days of the statement ), I disputed the charge as being invalid in writing using Chase 's messaging system. Chase never responded to my inquiry. 

Between XX/XX/XXXX and XX/XX/XXXX, I sent multiple follow-up requests. In XXXX XXXX, Chase responded that because the charge was outside of the timeframe ( i.e., the charge was posted on my XXXX statement and it was XXXX ), they will not dispute it. 

In XX/XX/XXXX, I contacted the Chase XXXX XXXX who confirmed that they received my message in XX/XX/XXXX and that they never responded to it. Chase XXXX # XXXX
Consumer complaint received 2022-03-05
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: LEXISNEXIS (AZ)

LexisNexis trespassed my Credit Report kept by XXXX XXXX releasing a different technique to assess my creditworthiness and such action has caused the lenders to decline my application for credit card applications. 

LexisNexis never had my authorization to release my creditworthiness to XXXX XXXX or any other national credit report bureaus, and their technique to value my creditworthiness is harmful preventing me to obtain the credit card I do need. 

Upon contacting LexisNexis to block their misleading information, LexisNexis mailed 3 letters referenced to my request contradicting their messages, see Case Number XXXX, Case Number XXXX, and Case Number XXXX. The XXXX letters prove their agency 's mismanagement of consumer report information. 

Their action to send 3 misleading letters indicates LexisNexis is a mismanaged credit report agency that continued causing me more harm than good.
Consumer complaint received 2018-12-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Conn's, Inc. (TX)

Several Days after delivery I noticed a few indentions / hash to table. Service order was put in and Conns refuse to replace my item as they are blaming it on delivery. After many attempts no resolution has been place. I would like all monies refunded that was put into table.