davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MT)

I have been trying to get loan modification assistance with SPS for the last few years but SPS has denied my request within a few days without a fully proper review. I last submitted to SPS on XX/XX/2022 and was denied on XX/XX/2022. I received the denial letter including the NPV results in the documents which I have attached it states My income was not considered for the evaluation of my request it also stated, in performing their underwriting of a potential modification my modified payment would not be reduced and did not meet the payment reduction as required. However in further review of the documents it stated my new potential rate would be 5 % @ {$280000.00} which would give me a payment of {$1300.00} increasing my payment by {$320.00} which is SPS looked at my financial and used them during the evaluation they would see I have a disposable income of {$840.00} which even if my payment went up I can still afford it. I am simply asking SPS and its investors to help me in any which way even if my payment goes up I have no problem making these payments. Also I ask if SPS can review my information to help me further qualify if an increased payment will not work, please consider me for a Balance Partial claim or Principal forbearance to make my payments more affordable
Consumer complaint received 2022-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MI)

I had a collection on my report with Midland funding that was paid in full and Midland funding agreed to delete this from my report. It is still reporting on 1 credit bureau ( XXXX. ) I have continued to contact this company to no avail.
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (OR)

My mortgage was sold on XX/XX/2017. I found this out when I logged in to view my tax documents. I received no notification for the company selling my loan nor the company who purchased it. I called the seller company and asked who they sold it to, They claimed it was XXXX, however the customer service number they gave me belonged to XXXX. I called both companies and neither one have my SSN on file or any information about a transferred loan. It is almost time to pay my next mortgage payment and I have no other ways to track it down. What should I do?
Consumer complaint received 2023-03-27
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account has violated my rights. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-12
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: CHECK INTO CASH INC. (CA)

Hello, This company ran hard inquiries on my XXXX  credit report without my consent. I applied for a payday loan, which is not a line of credit and should not have required such a credit inquiry. I contacted the company requesting these inquires be removed, however they have ignored my request.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (UT)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-04-04
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. (ME)

In accordance with The Fair Credit Reporting act XXXX XXXX, XXXX account number XXXX has violated my rights 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 a account without my written instructions
Consumer complaint received 2022-04-04
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. (MI)

On XX/XX/2021, XXXX XXXX XXXX XXXX XXXX issued a 1099-C for a charged off loan I had in the past which was a joint account with my wife. According to the 1099-C I am no longer responsible for this debt and is is considered resolved and unable to be collected upon. This also means the account must be deleted from all credit reporting bureaus. Please do so immediately so this can be resolved. I have attached the issued 1099-C.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2021, XXXX XXXX XXXX XXXX XXXX issued a 1099-C for a charged off loan I had in the past which was a joint account with my wife. According to the 1099-C I am no longer responsible for this debt and is is considered resolved and unable to be collected upon. This also means the account must be deleted from all credit reporting bureaus. Please do so immediately so this can be resolved. I have attached the issued 1099-C.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

XXXX credit card, I settled for less than balance and paid in full on XX/XX/XXXX. The original balance was {$940.00}. They are still showing a balance. 

XXXX sold my account to a third party, XXXX XXXX which I did pay for less than balance in XX/XX/XXXX. Not updated or noted on my report. 

XXXX XXXX sold one of my loans to XXXX XXXX, which I settled for less than the balance in XX/XX/XXXX. XXXX XXXX will not note it. They did on my other loan.
Consumer complaint received 2019-04-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (MD)

AMSHER COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ALXXXX Good afternoon, i amwriting to you to see if I can get some help with this debt collection service they are fradulently reporting a collection account on my credit reports.. the debt was sold to another company. I gave AMSHER a call on XX/XX/2019 and inquired about the debt they immediately told me that this debt belonged to XXXX XXXX XXXX XXXX. I than asked them why were the reporting on my credit reports and they no longer had my account they said call the new company so I called the credit bureau and disputed this againg and provided them with the new collection company information the failed to remove the account and started a new dispute and today XX/XX/2019 i got an email update from the credit bureau ( XXXX ) saying the debit will remain on my report it was verified by the collection company AMSHER as accurate. How in the world do I supposed to pay 2 collection companies for the same debt.
Consumer complaint received 2023-03-27
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. (RI)

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax Hello XXXX I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2020-09-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (KS)

On XX/XX/2020 I opened a checking/savings account with First Citizens Bank through an offer I received stating that I could earn a {$300.00} bonus within 120 days for completing the following requirements : - Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening. 
- Enroll in eStatements. 
- Open new Savings Account I completed all of these requirements and did not receive the additional {$300.00} after 120 days. I contacted First Citizens through their online messaging system to inquire about the bonus on XX/XX/2020 to which I received a reply stating they would look into the issue. As of XX/XX/2020 no response had been given. I again tried to contact them on XX/XX/2020 and as of today they have not replied. 

It is my belief that First Citizens Bank is withholding the bonus which I rightfully earned and is ignoring my requests.
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (CA)

I did not authorize the credit inquiries listed below. Equifax asked me to resubmit with documentation, which I did via us mail. tracking # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-12
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (FL)

I notified LexisNexis via certified mail XX/XX/2018, XX/XX/18, and XX/XX/2018, regarding 3 bankruptcies on my credit file. LexisNexis responded to me XX/XX/2018 stating they contacted Florida Federal Bankruptcy Court XXXX and the court verified the bankruptcies. XX/XX/2018 I sent LexisNexis a copy of a letter I received from Middle District of Florida Bankruptcy Court. Stating the court doesnt report any filings to the credit agencies.
Consumer complaint received 2015-09-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

I filed a complaint with you ( the CFPB ) and my Servicer ( BSI FINANCIAL, AKA ; Servis One Inc ) no longer talks to me. BSI are very rude and tell me that since I have complaint to consumer Financial bureau, I have to speak to their attorney. They will not give me any status update. 

I Sent them a RSPA request and they have completely ignored it and refused to comply. I filed for a modification and they are not giving me any status update. They are pushing a foreclosure on XXXX XXXX, 2015.
Consumer complaint received 2022-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank has lost money in my business account due to negligence. The location of the money is unknown by the bank and no answers are provided as to when they will find it. 

XX/XX/2022 - a transfer was executed by my company in the amount of {$5000.00} and a separate transaction of {$1400.00} to another bank. 

XX/XX/2022 - bank emailed my business and explain the transaction was halted, and to call customer service. Upon calling customer service the operator told me the transaction was stopped and would have to be reversed. 

XX/XX/XXXX & XXXX - The stopped transfer moneys have yet to be returned and I have contacted customer service at Citizens. No one at customer service can tell me where the money is and they have no record of it being stopped or returned. The bank the transfer was to go to has not seen the moneys in their queue.
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

It started two weeks ago when I received an email from XXXX XXXX that someone was not able to open an online checking account in my name because they couldn't provide a drivers license or proof of the address. That account was never opened. 

On XX/XX/2022 I received multiple emails from Bank of America that someone had successfully opened an account in my name using my SS # and DOB. I contacted Bank of America and they deleted the account. 

Someone is using my SS # and DOB attempting to open checking accounts in my name. They are also using my current email address which i find interesting because that's how I realized someone was opening these accounts.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. This is my 2nd attempt reaching out to the bureaus making corrections to updating my personal information. Please remove all addresses EXCEPT current address XXXX XXXX XXXX XXXX XXXX, Tx XXXX
Consumer complaint received 2016-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (MD)

Dear CFPB, I am sending you this complaint as attempt to resolve an alleged debt matter with a collection agency by the name of Pinnacle Credit Service. I review my credit reports on a monthly basis 's to ensure accuracy. In XXXX, XXXX I reviewed my credit report and discovered a collection account reporting from Pinnacle Credit Service, The account is reporting as follows. 
1. Pinnacle Credit Service, Account # XXXX, Balance {$290.00} On XXXX XXXX, XXXX I sent a request for validation to Pinnacle Credit Service requesting for validation. XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX advising me that they are representing their client Pinnacle Credit Service and that they were in the process of obtaining validation from the creditor. Time has passed and I have not received any communication from the collection agency regarding my claim since. I sent XXXX more request for validation on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and still have not received the validation request. I also made a phone call to Pinnacle Credit Service in between the time frame the validation requests were sent and was advised by Pinnacle that they 're not handling the account to contact XXXX XXXX. When I spoke with XXXX XXXX I was advised by them, they will mail me documents in the mail. 

It 's now XXXX XXXX, XXXX, I not received the validation I requested. I have made numerous attempts to resolve this situation with Pinnacle. Whom still until this day reports the derogatory account on my credit report failing to validate the debt which is a violation under the FDCPA at this time Pinnacle Credit Service had sufficient amount of time to provide me the validation request I requested in writing three times and XXXX time by phone conversation with a representative. I request that Pinnacle Credit service remove the debt from my credit report with all three major credit reporting agencies ASAP, Thank you for assisting me with resolving this matter with Pinnacle Credit Service
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

In XXXX of 2020. I got an alert from XXXX. XXXX that I was over 30 days. I called, they ask that I forward an email to them explaining.. by, their records- I had never been late. I forward a letter to them w/credit report, in a dispute - the 30 days on the XXXX went away,. 

Now it has came back.. 

I put a dispute in again with XXXX ( which is a Joke ) couple of weeks ago and I received a letter from the mortgage company ( Shellpoint ) Stating I had never been late, EVER. Again, I got ahold of mortgage company and they said to file another dispute with XXXX, because I do not show late. Cause, they are the ones that causing this. Which I have again 3 times.. no one is taking the responsibility for this as I am in the middle and it is effecting my XXXX score.. This is way the Dispute.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WI)

On XX/XX/22 I paid a payment on my Amazon Store Card for {$17.00} ( fixed payment amount ). I paid XXXX weeks early. It's due XXXX/XXXX/22. I always double-check every payment before I submit it and I authorized the usual {$17.00} amount. Someone on the banks end went in and changed it and took {$570.00} instead! When I called the company they claimed they could do nothing except send a check in XXXX weeks! If they can take it electronically they can put it back electronically! They ripped me off!
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY (NY)

Received a Target my red card with {$300.00} limit. I called them with the card number and the target rep asked me some questions regarding some things. He said that it was a different email than mine. Used the same address and a disconnected phone number of mine. He is sending me a letter from Target about the card. It is not been opened.
Consumer complaint received 2019-04-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY (NY)

I took out a loan for {$41000.00} in the year 2009 for XXXX. Only less than {$10000.00} has been subtracted from the principal balance I still owe {$31000.00}. The loan was originally taken out with XXXX but now it is being handled by the company that bought them which is Wells Fargo bank, and I believe the principal balance has been decreasing slowly since they took control of my student loan. Please help me bring my balance to XXXX and options they can put me in that position. Thank you and look forward to your response.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

I purchased a home on XX/XX/XXXX. The mortgage was through Rocket Mortgage and the monthly mortgage at closing was XXXX. On XX/XX/XXXX {$1100.00} was taken from my escrow account for property taxes. 
On XX/XX/XXXX {$1800.00} was taken from my escrow account for property taxes. Then I received a notice that my month payment would be {$2.00}, XXXX. 
When I questioned Rocket Mortgage they could not give me an answer. I contact my Real Estate Broker, Title Company and the Rocket Mortgage  Representative. 
What my XXXX Estate Broker found out is that Rocket Mortgage made a mistake that should have been revealed at Closing but it was not. Clearly Rocket Mortgage made a mistake and now I am paying for it. 
How can you pay property taxes in XXXX and then again in XXXX plus have your mortgage payment increase by {$500.00} dollars.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I need to freeze my account but they wont answer with a human to find out why. I have tried every phone number. The number in XXXX kept hanging up when i did start talking about needing to freeze my account. I had lifted the freeze on XX/XX/XXXX until the XXXX this year, but i dont need it unfrozen that long. Apparently EXPERIAN doesnt want to freeze my account unless i buy one of thier products because that it the only page they send me to. I have tried filing out the freeze form numerous times, supplying them with the pin they gave me to easily unfreeze and the pin i used to freeze tears ago, but nope they want paper verification that will probably take until XX/XX/XXXX to get there. I dont have a printer and shouldnt have to pay for certified mail to just FREEZE my account. They are rude, obviously understaffered and i believe they are scammers, i mean why are they not using text verifications etc to FREEZE my account. Maybe they tip off scammers to open accounts. I can not beoieve they are allowed to break the law and violate my right to freeze my credit report account TODAY.