davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Last month, our mortgage provider switched to Select Portfolio Servicing. The name of our road was changed a good ten years ago ; Select is unaware of this. We have a main house and two small structures on our property -- this is the way it had been for around 15 years, yet Select is unable to understand this. I can not explain over and over again that the name of our street was changed over a decade ago. I can not explain over and over that we have a main house with two smaller structures.

This is more than annoying -- for 18 years much of our insurance coverage had been paid via our escrow account. Because of Select, I have had to pay a substantial amount for coverage from my own pocket. This has never happened before in all the years we've lived here -- and I'm simply can't afford to suddenly pay for this coverage out of pocket. 

The switch to Select has been a disaster.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

For all three credit bureaus, my 8 active loans with Dept of Ed/Navient are reporting as 90 days late for the month of XX/XX/2018. Previously, the accounts were showing as late for XXXX, XXXX as well, however the bureaus received receipt of my deferment and updates the information. The inaccuracy is that my deferment has been effective since XX/XX/2018, therefore no single account should have any late payment history as no payments are due when the account is in deferment. When contacting the credit bureaus, the response I get is that Navient has to update the information. When contacting Navient, I am told that the bureaus can see the date effective on the deferment and should update my reports accordingly.
Consumer complaint received 2019-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (NJ)

i recieved a mark on my XXXX report XX/XX/ 2018 that i owed GC services {$1300.00}. 
Collection Agency GC SERVICES Original Creditor XXXX XXXX Status Open Opened Date XX/XX/2018 I  did not recognize this company and upon research discovered that it was referred to them by XXXX whom I do not have a account with for a number of years already.. 
i attempted to both call and email the company but have still not recieved any response. 
I disputed this with XXXX who upheld the claim despite the fact that they have not provided any documentation for the bill. 
I have since found out that the bill should belong to a family member instead of myself.
Consumer complaint received 2019-02-15
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Reliant Capital Solutions, LLC (OH)

XX/XX/XXXX : Reliant Capital Solutions tried to claim a student loan that was paid 2 years ago was in default. When I claimed it was paid in full already the gentleman suggested I contact the University and confirm the debt was already paid and left me his direct line. He also mentioned debt consolidation as one of their " solutions '' at the end of the call if I happened to need those services. Gave me the number XXXX EXT XXXX to call back. 

XX/XX/XXXX : Reliant Capital Solutions claimed a student loan was in default as of XX/XX/XXXX. I let them know it was already paid and had contacted the University plus check my credit reporting. No bad marks -- obviously a scam call. They did not give me a number to call back that time
Consumer complaint received 2023-01-19
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. (CA)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (IL)

I do not bank with mastercard or usbank, however i was sent a debit card to activate in the mail yesterday. I have been trying to report a fraud but no one at the master card customer service can seem to help me. I did not order a card and think someone else did under my name. I need this card and account cancelled. Thanks
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (RI)

I have a BestBuy Visa card. I have not used it for years and set up automatic payments to pay off the amount owed, which was under {$1000.00} and the limit was {$1000.00}. In XXXX, I was mailed new cards for myself and for my mom ( I was not aware that she was on the account as she is in a XXXX   XXXX XXXX ). Shortly after that, BestBuy stopped mailing the statements to me but when I went online, the payments were still set up. 

In XX/XX/2019 I started getting calls, sometimes up to ten calls a day from Citibank informing me that I was past due and over the limit. This should have been impossible because I did not use the card and the automatic payments were being made monthly. I informed their representative of this and was yelled at and told that I better pay up. Because of the repeated calls and the attitude and language of the " customer service '' representative I thought it must be fraud. 

I decided the best course of action would be to send in some extra payments of {$75.00} each and request a statement. The calls continued and today I received an e-mail that my account is past due. 

I believe this is all false information and I think there is something amiss.
Consumer complaint received 2016-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA (TX)

I co-signed for a {$6000.00} loan for my son on XX/XX/XXXX. When he failed to make his payments, I paid the loan off in full in the amount of {$7000.00} on XX/XX/XXXX. since that time, I have been harassed by Fedloan Servicing through repeated phone calls and letters that threaten to garnish my wages, report me to credit bureaus, and to assign litigation, even though I have talked with representatives many times by phone.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (LA)

Equifax/Equifax credit bureau is committing mail fraud. I sent my letter to them XX/XX/2022 and it arrived to the post office XX/XX/2022. My letter still has not been picked up. It will be a month XX/XX/2022. I am losing confidence in Equifax/Equifax credit bureau XXXX
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dynamic Recovery Solutions, LLC (AZ)

Hello : I received a letter dated, XX/XX/XXXX from Dynamic Recovery Solutions : XXXX XXXX XXXX, XXXX, SC XXXX. They state that I have from the original creditor of XXXX  XXXX XXXX, DRS Reference #  XXXX, current creditor : XXXX XXXX XXXX XXXXReference # XXXX, current balance {$6200.00}. In this letter they only office different repayment plans. 

Back in XXXX My wages were garnished for a year for this same amount but from a different recovery solutions and it was paid in full. This took place when I worked for XXXX XXXX in XXXX, XXXX. In XX/XX/XXXX, I paid all my student loans off. Then now I receive this letter that I have some other student loan out there that was never paid off. 

I attended to colleges for my XXXX XXXX XXXX, they are : XXXX  XXXX XXXX, in XXXX, XXXX  and XXXX in XXXX, XXXX. I never took a loan out through XXXX  XXXX XXXX and I have never received any letters, notices or calls from XXXX or other affiliates in regards to this amount, until I received this letter. 

I did call Dynamic Recovery Solutions and told them, I feel this is a fraud letter and that I want proof from their end that I took out this loan, that they have a right to collect on this loan and the entity claim what I owe is the proper amount due. I was told they would look into this but this is my debt and I need to repay it. 

I can be reached by cell : ( XXXX ) XXXX or email : ( XXXX ) or home address : XXXX XXXX XXXX XXXX, XXXX , XXXX  XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2019-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I have my student loans through Sallie Mae/Navient. I work in a high needs district and after working 5 years requested a loan forgiveness which they denied. They told me my loan I was requesting to be forgiven was consolidated with one that was taken out before XXXX making it ineligible. I never requested a consolidation as I knew I would be requesting the load to be forgiven. They automatically consolidated it when I applied for a 2nd load to get my masters. I asked for documentation to show this and all they sent me was a single page with an electronic signature in my maiden name when at the time I took out the loan I was married. I have been paying on these loans since XXXX and still owe the amount practically the amount originally borrowed for my education. I've paid roughly 500.00 a month for 20 years.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Hi Portfolio recovery associates has enter debts that wasn't verified and credit bureaus are not doing verification neither and I need something to prove these are my debt. I'm not working and It's really doing a job on me keeping me from getting employment. I need to see a sign contract promise to pay
Consumer complaint received 2019-02-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings (CA)

I applied for a payday loan with this lender as I have used them in the past few months and have always paid them what I owed them. For the month of XX/XX/XXXX they funded my account in the amount of {$250.00} on XX/XX/XXXX and I had taken a loan from my 401k to  pay off my loans and the check was deposited to my account so I didn't notice that Speedy Cash debited my account 2 days later in the amount of {$300.00} but I did notice it about 5 days later. Since I no longer needed the funds I did not call Speedy cash to ask why they debited my account and assumed that I may have entered the incorrect due date so I let them take their funds and considered them paid in full on approximately XX/XX/XXXX or XX/XX/XXXX I received an email from them stating that my loan was due on XX/XX/XXXX. Immediately called them and the representative I spoke with told me that since a bank statement wouldn't be available yet screen prints directly from my online accounts would be sufficient. I received no response to my email. I sent it again a few days later, no response. I send it today as a word document and receive an email saying a word document is unacceptable to send it in PDF format. I send it in PDF format, I receive another email that my PDF is insufficient and that a screenshot I was told would be sufficient is not. Now a full bank statement with my account number showing, which shows all of my bank transactions are needed. Every single time I send something they come back requesting something more. I have sent them an email in writing revoking my authorization for them to debit my account any further as I owe them no funds.
Consumer complaint received 2023-01-18
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2023-01-18
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. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear CFPB, I have been trying to work with Transunion for several months regarding a recent omitted information pertaining to my personal credit record. To date I have received no resolution to the matter. They have omitted a positive tradeline from my credit file and are willfully not reporting. This omitted information is making my credit file appear to have limited years of credit. I have had a tradeline with XXXX  / XXXX since XX/XX/1999 with a perfect credit history. The only correspondence that I have received is response from transunion trying to blame XXXX/ XXXX XXXX for the error. I reached out to XXXX/ XXXX and they confirmed that they are making the reportings to all three bureaus every month as they always have. They advised me that they had no dealings in removing this from my report last XX/XX/XXXX and have notified Transunion to update accordingly. It is my belief that Transunion is willfully not reporting and it is damaging my credit history. Can you please help me resolve this matter as Transunion is unresponsive to the matter. 

Thanks, XXXX XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

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 been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2019-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

For the last year to 1 1/2 years, my wife and I started concentrating on making more payments towards the principle, of our mortgage, every month. She pays in person at a local branch, and I tend to pay either online, or speaking to a person over the phone. I have never done automated payments. 

I recently started noticing that there is activity showing payment reversals in XXXX of this past year ( XXXX ). I contacted them on their XXXX customer service number provided, several times, to speak to representatives and ask them to explain. Neither of the 3 have been able to do that. So my wife contacted someone at a local branch, and we made an appointment on Saturday, XX/XX/XXXX, to go sit down and visit with one here. 

The dates include : XX/XX/XXXX - Payment Reversal {$460.00} XX/XX/XXXX - Payment Reversal {$0.00} - Unapplied Funds {$460.00} XX/XX/XXXX - Payment Reversal - {$160.00} ( principal ), XXXX ( Interest ), - {$230.00} ( Escrow ), {$530.00} ( unapplied funds ) XX/XX/XXXX - Payment Reversal {$0.00} - XXXX ( principal ), - {$80.00} ( interest ), - {$220.00} ( Escrow ), {$520.00} ( unapplied funds ) XX/XX/XXXX - Unapplied Funds - {$520.00} Representative, XXXX XXXX, was kind enough to sit through almost a half hour with a mortgage rep on the other end, who could not explain why the reversals were on our account. After almost an hour there, we ultimately told her not to worry about it, we would look for another avenue to get someone to explain it to us. She stated she did not know why the numbers did not work out and why their mortgage department could not explain. 

A co-worker told me about a Wells Fargo financial institution that wasn't a bank, on XXXX XXXX and I called. They told me they only deal with financial advising and to call the same original XXXX number where I had spoken to representatives the first time around. Which gets me to where I am now, frustrated, and with no one to explain why the reversals appear on my statements. 

Basically, every penny that we have paid towards our mortgage account, that is NOT the monthly payment of {$530.00}, should have been applied to the principal. That is all I am trying to ensure.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have two names : XXXX XXXX XXXX on one social security number. I complain to the CFPB last year : XXXX { Experian } I  was told by the FTC to explain this to XXXX with documents to prove this federal offense against me. 

The city of XXXX has caused this federal offense also XXXX  data breach has ruin my credit worthiness. 

I've never own a credit card & has been taking out of the work force, college in XXXX XXXX XX/XX/2011. 

XXXX denied me two without verify of my identification theft, disgrace.
Consumer complaint received 2019-02-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am a heir to my father 's property with a debt of about {$55000.00} owed to bank. My mortgage payments at the time were {$350.00} which were reduced to XXXX through a modification in XXXX. I've lived in the home for 17 years since my father made settlement on XX/XX/XXXX initially I fell behind in the mortgage due to his death. Soon after I probated the estate and the Deed to the property was placed in my name. I made on time payments for 10 months until XX/XX/XXXX when my car window got shot out. I immediately called the mortgage and told them I would have a problem making my XX/XX/XXXX payment and I was told that they couldn't work anything out with me because I wasn't my father. However I'm the one who has been sued do to me probating the Estate and my hands are tied when it comes to the property in every way. I'm not allowed to do anything but make payments, although I've breached the modification due to a reduction in my income ( new employer ), I'm being told that I can't modify the loan again because I'm not my deceased father. I'm also being told that the loan isn't assumable. I've had previous modifications and I've been told by the bank for years that the loan is assumable. " If I bring the loan current I can then work on the assumption of the property ''. I wouldn't be doing everything in my power to keep the property if I know I'll never really be the owner, at this time I'm looking for more income and I have until XX/XX/XXXX to do so with hopes of re applying for a new loan modification.