davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

XXXX XXXX : XXXX XXXX LOAN ( XXXX ) ~SLS LOAN ( XXXX XXXX RE : FRAUDULENT WELLS FARGO/HSBC INVESTORS/SPECIALIZED LOAN SERVICING INVESTORS HOME RETENTION GUIDELINES I contracted a 30 year mortgage loan of {$540000.00} with XXXX XXXX XXXX XXXX guaranteed by the United States Government agency , XXXX XXXX XXXX to purchase a house in New XXXX XXXX NY XXXX. 
In XXXX, XXXX XXXX secretly sold my mortgage to a private Investors, XXXX without informing me ; until XXXX when I came to find out from Court Documents from XXXX XXXX. 
I protested then, and was informed by XXXX XXXX that it would not affect me adversely and was the usual practice in the industry. XXXX XXXX elected to keep the role of Loan Servicer, after selling my loan to XXXX Investors. 
The borrower discovered recently that XXXX XXXX unilaterally sold my loan to XXXX Investors so as to remove the US Government agency, XXXX XXXX XXXX guarantee that protect me against hostile predatory practices, without informing the borrower, and benefit from the CARES ACT and other provisions to alleviate the sufferings of Americans due to the Pandemic. 
The borrower would have elected to refinance the loan from another lender with the cover of the US government guarantee through XXXX XXXX XXXX and benefit from the CARES Act ( para. 7 of Exhibit ) In XX/XX/XXXX, XXXX XXXX transferred the loan servicing, to Specialized Loan Servicing ( SLS ). XXXX XXXX also transferred my application for loan modification to SLS. 
SLS approved a strange retention program, which added a new balloon loan of {$380000.00} to the existing mortgage ( bringing the total loan to {>= $1,000,000} compared to the original loan of {$540000.00} ; and recall {$520000.00} had already been paid by the borrower towards the repayment of the mortgage ) as a condition for signing and extending the loan repayment from 30 years to 40 years. 
The borrower could not sign the so called approved retention program ; without the removal of the additional loan of {$380000.00}. 
In view of this anomaly, the borrower raised a petition to CFPB in XXXX, XXXX. 
In the response to CFPB dated XXXX XXXX, XXXX ( see Exhibit attached ), paragraph 7, SLS stated that : 1 ) The Cares Act and other applicable United States Acts to protect consumers are not applicable to this loan, because it is no longer owned or guaranteed by a government entity- XXXX XXXX XXXX XXXX It is now governed by the Investors Guidelines-XXXX XXXX  XXXX, XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. 

2 ) The XXXX Investors guidelines have their tailor made modification that does not consider income or expenses in the review process unknown to the borrower. Meanwhile the borrower was made to submit their documentation on income and expenses in the loan modification application.
Consumer complaint received 2019-10-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

TMy access to my account through the online customer portal is showing several payments, disbursements, and transactions on dates that dont make logical sense. There are 12 transaction line items in XXXX alone. 
Additional concerns are : My principal isnt decreasing at a normal rate Shellpoint has not replied regarding my appraisal request to eliminate PMI from my loan ; although, shellpoint took payment over a month ago Shellpoint removed late payments from my credit report when I participated in a Hurricane Irma forbearance plan, then issued a letter to me stating the payments were being taken away, and then reapplied the late payments to my credit report. Why were the payments reapplied to my credit report? 
My loan was modified earlier in 2019 due to my participation in the Hurricane Irma Forbearance plan. Docs were completed by a Shellpoint notary representative for the modification to be completed. I received word the modification was completed and my loan was in good standing. Just this week, I just received new modification documents. 
I was promised all of my payments from the last two years that have not been applied to my loan would be applied immediately after I completed the modification. These payments still have not been applied to my loan. 

When will all of this be addressed. Ive been dealing with this for over a year. Please help me get this fixed.
Consumer complaint received 2020-02-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MO)

Loancare assumed my mortgage from XXXX in XXXX/ XX/XX/XXXX. I wasn't notified that Loancare assumed they loan. Loancare sent information to my wife 's address. I received information from XXXX that payments should be sent to Loancare. 

Loancare approved a loan modification of payments of {$870.00}. Payments were made to Loancare for this amount for several months. My ex-wife is listed on the loan modification payment. She lives 2 hours away and works second shift. By the time the paperwork was completed, Loancare stopped receiving the payments of {$870.00}. 

I have tried several times to get this issue resolved through Loancare. I have only received a few billings from Loancare in XXXX. I have sent several letters and spoken on the phone several times yet the issue remains unresolved. 

I spoke with XXXX  XXXX  yesterday who they said I owed {$7500.00} ( yes a different mortgage company provided the information that Loancare would not provide ). I sent {$3100.00} on XX/XX/XXXX. I have the balance of {$4300.00} that I can send on XX/XX/XXXX.
Consumer complaint received 2018-12-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2017 I used my credit for a temporary deposit on a rental car for XXXX for the amount of {$340.00} and in XX/XX/2017 as well a charge of {$84.00} a total of {$430.00} and the vehicle was returned on XX/XX/2017 and I the i was told my deposit was going to be back in account in 7 days I filled a complaint and a dispute couple of times and I did fax Bank of America the proff that XXXX released the full amount back to my account and Bank of America does not refund back my funds to my credit card so I have been back and forth with Bank of America since XX/XX/2017 and till this date not have a resolution to my money. I have all the case numbers dates names and all of XXXX emails and proff of the credit release and it has all been sent my Bank of America so I desperately please need help on getting back my credit that I XXXX intitiled to.
Consumer complaint received 2019-10-05
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. (DE)

XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX- XX/XX/XXXX, XXXX XXXX XXXXXXXX-XX/XX/XXXX, XXXX- XX/XX/XXXX- XX/XX/XXXX, XXXX   XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX, XXXX   XXXXt-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX. I just want it noted that their Customer service Representative would not help take care of the negative inquiries on my credit report.
Consumer complaint received 2020-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am a victim of identity theft due to a XXXX  credit beech. On XX/XX/2020 I submitted required identity theft documentation to Portfolio recovery associates account # XXXX. They continue to report this fraudulent account .Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2020-02-11
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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (NJ)

MIDLAND CREDIT MANAGEMENT I have recieved the results of an investigation that an item was deleted from my credit report. However, I recently viewed my report online and the item is still being reported.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRUIST FINANCIAL CORPORATION (GA)

I reviewed my credit report and it shows a charge off from SunTrust Bank and inquiries from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX and multiple other inquiries which should NOT be reported. I did NOT give written permission for this information to be on my report. This company is in violation 15 USC 1681b ; The law states that any credit reporting agency may ONLY furnish a report in accordance with WRITTEN consent of the consumer. I did NOT provide written consent and I did NOT benefit from these alleged items. This is a demand for these items to be blocked and removed. According to the law 15 USC 1681c-2 : the consumer reporting agency shall block the reporting of any information that the consumer identifies as alleged identity theft, not later than 4 business days after the date of receipt by such agency.
Consumer complaint received 2017-08-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (FL)

Pioneer Credit Recovery has been calling me to my house, to my private cellphone and even my husband several times every day trying to get information about me, but about 3 weeks ago they started calling MY JOB. On XX/XX/XXXX after they called my workplace and were very rude to the receptionist, I returned the call to XXXX under reference # XXXX and asked him to record the conversation ( which he said he did ) and I explained that I am NOT allowed to receive personal calls at work and by calling my workplace he was JEOPARDIZING MY EMPLOYMENT and after that notice if they continued to do this they would be in violation of FDCPA ( Fair Debt Collection Practices Act ). XXXX assured me that they would not be calling my job anymore, he noted the account and removed the number according to him. I was the out of the office for the week of XX/XX/XXXX through XX/XX/XXXX. Upon my return, I was advised that now XXXX under reference # XXXX ( Pioneer Credit Recoverys Ref # ) and call back # XXXX XXXX XXXX.. has been called my workplace EVERY DAY that week asking for the office manager to verify my employment but she wouldnt say where she is calling from, why she needs this information or under what legal basis she is requesting my employment information. I need these harassing calls to stop. Pioneer Credit Recovery is not only harassing me but also my employer and they are putting my employment at risk by doing so. Your prompt help with this matter will be greatly appreciated!
Consumer complaint received 2022-10-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

I have an account with XXXX which is serviced by Comenity Bank. I paid a day late over the XXXX holidays and incurred a late fee. I did not dispute this but asked for a courtesy removal since I only recently opened the account and have no trouble paying my bills. The fee was reduced from {$39.00} to {$24.00}. On XX/XX/XXXX I paid my bill on the due date at XXXX in the XXXX, after I arrived home. I am XXXX  at an XXXX XXXX XXXX and work 60-70 hours a week. It is often not possible to get to a phone or on line for personal reasons during the daytime. Comenity added a {$39.00} late fee to my account for not paying before XXXX XX/XX/XXXX. I spoke to a customer service agent who could not remove the fee - and could not reduce it because of the XXXX reduction. He transferred me to XXXX, a service account specialist at Comenity ( # XXXX ) and she said that this is Comenity policy. This is a deceptive practice. For the moment, I would like this late fee reversed. In the long run, I would like Comenity to change their policy. Either give the consumer until XXXX  or make the due date a day earlier.
Consumer complaint received 2020-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (DC)

Citibank has blocked a personal checking account as of XX/XX/XXXX due to suspected fraudulent activity. 
2. A check provided by Mr. XXXX XXXX residing at XXXX XXXX XXXX, XXXX XXXX, XXXX, Indiana, XXXX for {$4500.00} has been returned reason E - unable to locate account 3. The originating bank is XXXX XXXX XXXX XXXX  and the check has the address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, AZ, XXXX 4. As a owner of a XXXX XXXX XXXX XXXX   started in XX/XX/XXXX, I have received a number of payments from clients with very few bad checks. 

Citibank has created the same issue in XXXX when I received another check from XXXX XXXX and they returned the check. The amount had to be authorized again In XXXX, a forged check {$200.00}, XXXX XXXX had to be investigated after considerable time and effort was put in by the consumer to have the appropriate Citibank offices provide timely information. 

5. Mr. XXXX reached out to me via XXXX  and XXXX  ( short term holiday platforms ) to book a holiday XX/XX/XXXX-XX/XX/XXXX. Thereafter he proceeded to email every few days requesting a booking. Upon receiving payment requirements, he said as it is a company check, it would only be paper and after getting an invoice and the property address, a check was received as of XX/XX/XXXX. 
5. As of XX/XX/XXXX, Citibank placed a hold on the account through branch XXXX, block XXXX. At the moment, Im unable to pay mortgage or any bills due to this issue with the banks. 
6. The XXXX XXXX XXXX XXXX  only has a branch in XXXX, Arizona and they do not have any locations in XXXX. They also have not been able to confirm if XXXX XXXX is a client or if XXXX XXXX is associated with this person.
Consumer complaint received 2020-02-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: World Omni Financial Corp. (FL)

I am a victim of identity theft due to an XXXX  Credit breech.On XX/XX/2020 I have submitted all required identity theft documention to XXXX  credit services and the following companies, SETOTYOTA FIN DBA OF WORLD OMNI account # XXXX. They continue to report these fraudulent accounts that are identity theft. Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.and send the required notifications to all furnishers of this information.
Consumer complaint received 2021-02-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I called in attempt to resolve issue with disputes that with a lender that were resolved. The agent in a 45 minute phone call ( name given was XXXX XXXX ) refused to expedite the matter by 1. Listening to the request, 2. Transferring to another agent or manager, 3. Refusing to disclose case or confirmation number, 4 ) purposely stonewalling any request or simple due process. 

The agent failed at all terms.
Consumer complaint received 2020-02-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: CITIBANK, N.A. (NY)

I am looking for Citi Bank Student Loan information dating back to 2006. The debt was sold/ serviced by new companies shortly after I began performing on the loans. I am requesting the information regarding the sale of those notes. Specifically : balances, principal, all payments, interest rates, and, discount price of the sale of the portfolio. The current holders/ services of the debt can not provide the history of the loans prior to the beginning of their agreements. I am requesting a transparent paper trail of that history, and the sale/ principal balances of my student loans. I tried to contact Citi Group Inc. they directed me to contact you. Thank you. Can you please research this information for me.
Consumer complaint received 2018-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to the Consumer Financial Protection Bureau in regards to Transunion 's Inquiry Issue. I have tried to reach out Transunion Credit Bureau on this situation and in regards to the rude employee they refused to address my situation as I am a VICTIM of their said Inquiry Issue, They also refused to delete the hard inquires. And all I ask is for them to take responsibility and do the right thing.
Consumer complaint received 2018-06-28
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. (IL)

XXXX XXXX has failed to correct my report. It's reporting erroneous, false and incomplete data to all three credit bureaus. I have called five times over the last 18 plus months to get them to make corrections. They have failed to do what's required under the law. 
Balance, payment amount and status dates are not being reported currently. 
Data is incomplete and has caused me credit problems. 
Acct # XXXX Vin # XXXX
Consumer complaint received 2022-01-14
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)

Attempted numerous times to have fraudulent information deleted due to identity theft as well as inquiry 's, charge off accounts that is not mine. I've also repeatedly asked to exhaustion that my correct and updated credit report information and scores reflect each of the accredited credit bureaus. Unfortunately, they ( TransUnion, XXXX and XXXX ) are still not communicating with one another to mitigate my reports in a cohesively manner. Also, their credit scoring system 's is suspicious, they all have a different scoring system that is very suspect to me. some uses advantage 3 & 8 and now 9 is in effect. This system acts like the mob and if they can't get it together the courts will .... I had enough.
Consumer complaint received 2022-01-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

Credit Bureau Systems ( XXXX XXXX XXXX XXXX, KY XXXX ) has failed to validate the debt {$170.00} Date opened XX/XX/17 and Account number XXXX Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I have never signed a HIPPA form authorizing Credit bureau systems to have access to my medical records. Please delete this info from my credit file and cease all collection activities immediately.
Consumer complaint received 2019-11-13
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)

I applied for a personal loan today XX/XX/19 and I was not approved because when they ran y credit, they said that there was an account and some inquiries reflecting badly on my credit report. That account does not belong to me. I did not open that account and I did not allow anyone to open this account in my name. I have never opened an account with that company nor did I ever make any purchases or payments towards the account that I have listed on this report. I filed a police report as soon as I found out about these unauthorized items on my credit report.
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX has failed to correct my report. It's reporting erroneous, false and incomplete data to all three credit bureaus. I have called five times over the last 18 plus months to get them to make corrections. They have failed to do what's required under the law. 
Balance, payment amount and status dates are not being reported currently. 
Data is incomplete and has caused me credit problems. 
Acct # XXXX Vin # XXXX
Consumer complaint received 2018-06-28
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. (IL)

XXXX XXXX has failed to correct my report. It's reporting erroneous, false and incomplete data to all three credit bureaus. I have called five times over the last 18 plus months to get them to make corrections. They have failed to do what's required under the law. 
Balance, payment amount and status dates are not being reported currently. 
Data is incomplete and has caused me credit problems. 
Acct # XXXX Vin # XXXX