davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

My husband and I purchased my family home where I was born and raised in XXXX. In XXXX I was divorced and the home was solely mine through the divorce as a single mother. My mortgage was with XXXX XXXX. I filed a quit claim deed removing my ex husband and attempted to refinance to remove him from the mortgage. While refinancing Select Portfolio Servicing ( SPS XXXX ) bought my mortgage. They advised me they were not a bank but only a servicing company and I could not refinance through them. In the meantime I lost my job and they offered me a mortgage forbearance during XXXX. Not only did I lose my job but my daughter was schooled from home like most kids during that time and all my bills went up including electric, internet, food, etc. I was then advised after several months of missing payments that they forbearance was not possible because at one point in time we completed a modification through XXXX XXXX and there is now a balloon payment on the back of my mortgage. Because of that they could not put my missed payments on the back of my mortgage which meant I was misinformed by SPS in the beginning. They are now attempting to foreclose on my property because I am in default of my mortgage. I have contacted them several times for a resolution to this matter only to be told the only resolution was to pay more than double mortgage payments from {$1100.00} a month to {$2300.00} per month for one year. That is not possible. I resumed my mortgage payment in XXXX of XXXX and have been paying on time ever since. Upon googling SPS XXXX there are sooo many complaints out there from people with the same situation. Meanwhile in XXXX I applied to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for help with what I owe my mortgage company. On XX/XX/XXXX PHAF contacted SPS Servicing to get documentation on what was owed as I was approved for the process and SPS has failed to get back to XXXX to verify what is owed. They have contacted them several more times only for no one to once again get back to them. I have contacted my state representative for help with this matter ; XXXX XXXX and they advised me to file a complaint which is what I am doing now. They think it is very concerning. Last week I received an intent to foreclose letter as well as a copy of a letter that was sent to my homeowners insurance company with the intent to foreclose letter as well. XXXX has advised me once again they sent letter and made calls with no response. I now owe attorney 's fees on top of what is owed because they are not cooperating. PLEASE HELP ME!
Consumer complaint received 2019-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CT)

I have been going back and fourth with Equifax asking to update my address and send my current Credit report. It started in XX/XX/2019. I spoke with several representatives and supervisors, I sent several documents by mail and fax and they stated they haven't received them. The documents I sent is to validate my identity and prove I am at my current address which is XXXX XXXX XXXX XXXX XXXX XXXX CT. XXXX. I also explained I do not have a current Id with this new address because I cant afford to get one at the moment so they told me to send other documents : which I sent. This is all costing me money that I don't have. I ran out of options and now I am asking for your help. XXXX  and XXXX  have updated and fix my credit report. Equifax has several inaccuracies on my report. Please help me with this matter!
Consumer complaint received 2020-11-10
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: VW Credit, Inc (NY)

Audi Financial Services provided a deceptive account statement, recorded my bankruptcy reaffirmation and then shut down access to online payments as well as discontinued sending additional billing statements. 

Please see the attached last billing statement that reflects 59 payments made and one remaining. The last payment or 60th payment was made on XX/XX/2018. Audi Financial Services proceeded to charge off my loan without any notification when it should have been paid in full. 

I have since paid the charge off as result of the substantial harm to my credit and ability to obtain additional financing. Note the date on the statement is XXXX XXXX-what year is that? 

Also, it has been over 60 days since I paid the disputed charge off and I have still not received a satisfaction of lien or paid in full contract.
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (MD)

Complaint : Credit Balance Refund Repayment VISA Account : XXXX with Elan Financial Service, marketed as XXXX VISA and linked with my XXXX XXXX XXXX XXXX account XXXX XXXX XXXX credit card business partner Elan Financial Services has ignored my specific written instructions, made pursuant to Regulation Z, to directly refund my credit balance to me. Instead, {$47000.00} was transferred to some other financial institution and is now missing. 

In my correspondence with Elan on XX/XX/XXXX, which Elan acknowledged the receipt of in its XX/XX/XXXX response, I stated that : Pursuant to 12 CFR Part 1026 ( 2 ) ( Regulation Z ), I hereby request in writing that the credit balance on my account be refunded to me. Subsection 2 requires : Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; As of XX/XX/XXXX, however, Elan has reduced my credit balance from my account but is now unable identify where these funds are. I am also unable to find any financial account of mine to which these funds have been credited. I have further contacted XXXX XXXX to resolve this, but they referred the matter to Elan. 
Since XX/XX/XXXX, I have spent more than several hours on multiple phone calls with Elan without any satisfaction. Most recently I was told by an Elan customer service representative they are researching the matter. 

In short, nearly {$48000.00} of my funds can not be accounted for by these firms. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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 Account Number : XXXX and list of Inquiries. 


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 2022-05-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (CA)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 


XXXX  XXXX Bal. {$0.00} Acct # : XXXX
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

I will keep writing complaints until the correct action is taken either by sending me something through the Consumer Financial Protection Bureau that contains my personal information or block it on my credit report. XXXX XXXX XXXX has told me that a name is on the account in question that is not mine and I do not know this person. I question Equifax 's proof of verification when they have not sent me the proof. I will back off when XXXX XXXX XXXX contacts me saying their investigation proves the account was open fradulently, until then the information should be blocked. I also question Equifax 's proof of verification when another credit reporting agency could not get verification so the account was blocked. I will keep writing until this is corrected.
Consumer complaint received 2017-05-29
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. (MA)

I never have or had an account with a utility compa ny. ( Nev er have a utility account in my name in the Unite d States ). A mount shown on my credit report is {$1000.00} as collection on  XXXX   XXXX ,  2017 . I disputed this amount  with Trans Union an d they refused to delete it from my report.
Consumer complaint received 2022-10-18
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: GOLDMAN SACHS BANK USA (FL)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15usc 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose,
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Clarity Services (FL)

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by CLARITY SERVICES on XXXX/XXXX/2016 & XXXX/XXXX/2016 that I do not recall authorizing. Furthermore, I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.
Consumer complaint received 2022-05-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion is reporting data and a credit score to XXXX  XXXX XXXX. The score is horrific and contains two major negative items which are not related in any way to me and has been confirmed by XXXX  XXXX XXXX as not relating to my credit relationship with them. 

I have tried contacting TransUnion on multiple occassions to access my account but they claim they have no record of me which is wholly and totally untrue. They are reporting data to XXXX  XXXX XXXX about me, whether it is correct or not and hugely impacting my life with this incorrect information. And when I try contacting them about it, they continuously tell me they have no information about me. I have called five times and i have been passed from one department to another with no remedy. I can not accept this anymore and TransUnion must be held accountable. My life is being ruined by them and I can't even access what they are publishing about me to my bank. This is a living nightmare and there is no way to hold them accountable. They have recommended I simply 'wait ' a couple of months. It's totally unacceptable. Every day continues to negatively impact me with TransUnion taking no steps to fix their errors. 

Please help me
Consumer complaint received 2022-11-20
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. (NV)

XX/XX/XXXX I disputed this account XXXX Account number : [ XXXX ] here on CFPB again that was found on my credit report from loan officers that I had requested original proof of last year. I was told that this account is a Charge Off, however it's reporting that payments are still being made based on the payment history from XXXX. I then requested a reinvestigation in XXXX XXXX because I had found out the same thing was still on my credit report on XXXX XXXX ( in the midst of trying to get a mortgage loan ) that I wasn't aware of and/or thought were already removed/corrected. I requested for the account to be thourougly reinvestigated ( checking, updating, deleting, correcting the summary of each report from each of the 3 bureaus ). I sent it via certified mail on XXXX ( tracking number below ). It has again been more than 30 days and no letter from XXXX stating if the CHARGE OFF was final or not. 

Not only that, but I found out recently that there's another account -> XXXX XXXX Account number [ XXXX ] who supposedly bought the debt from XXXX XXXX  which is being reported as an OPEN ACCOUNT. Which is illegal and against FCRA to try to collect payments for the SAME DEBT through 2 different accounts.

Section 607 ( b ) of FCRA ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Consumer reporting agencies must Correct or Delete ANY inaccurate, incomplete or unverifiable information within 30 days. And according to the FCRA everything must be 100 % accurate. 

( Credit report from XXXX XXXX *highlighted yellow* below ) versus ( Credit report from XXXX XXXX, XXXX *circled in black ink below ) Is still reporting the same inaccuracies for Account status, Terms, High Credit, Date Last reported, Date Last Active, and the 2 year payment history. All of which are violations and not reporting the same across all 3 bureaus.

Unfortunately, I no longer have housing due to credit implications that has affected my credit score and history. As you will see my credit score has dropped tremendously even more within the last month because I've had to dispute over and over for the same problem. 

I'm requesting monetary relief and deletion at this point, because I've tried all I could. 


I will have the photo of both credit reports pulled on XXXX XXXX and XXXX XXXX in comparision showing that there was no thorough investigation done by XXXX nor XXXXXXXX XXXX 

Tracking numbers : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( Transunion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2021-11-07
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: American Credit Acceptance, LLC (FL)

Here again with yet another account that is closed and was paid in full, but XXXX has just reported that in XX/XX/2021, the account is 60 days late. This account was closed and paid in full in XX/XX/2021. This account should no longer be receiving any updated information. Its CLOSED!!! Please correct this erroneous error immediately. Thank you
Consumer complaint received 2017-03-03
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Pressler & Pressler, LLP (NJ)

I had a debt with a hospital in New Jersey for copayment of insurance for a back operation I had in XXXX of 2016. Before I could try to work this out with the hospital, the matter was turned over to a law firm in New Jersey by the name of Pressler & Pressler. I have attempted to contact Pressler and Pressler and no one will return my call. In the interim they have entered judgment against me and have been contacting my employer to find out if I work at my job so that they may issue a wage garnishment against me. They have called my employer on two occasions and during each call have refused to identify themselves -- only asking if I work there. My employer has advised me of these calls. This has caused great embarrassment to me as it is a personal matter and I feel that my privacy has been invaded by this law firm.
Consumer complaint received 2018-02-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I applied for a modification on XX/XX/2018. On XX/XX/XXXX I was turned down saying I had no income for a loan modification. This was incorrect. I provided full income. They also said I had almost XXXX in expense. This was not true my expense is /was XXXX .All of this was put in properly with documentation. I am an older woman afraid of losing my home.
Consumer complaint received 2019-03-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Volunteer Mortgage Loan Servicing (TN)

Sent financial and request for mortgage modification to my mortgage servicer Volunteer Mortgage   Servicing. They sent me a letter stating Loss Mitigation approval with 3 three trial payments and a Forbearance Agreement. The letter didn't state the interest rate or terms of the modification. I was told by Volunteer customer Service the modification I received was a FHA XXXX XXXX and I didn't accept the modification. I never received a letter stating I received a XXXX XXXX. Volunteer is hard to work with they leave you on hold for long periods of time and always state you need to call back. 


See Attachments
Consumer complaint received 2022-05-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-05-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (NY)

This complaint relates to Complaint ID XXXX Ally Financial Inc. filed a false Federal Form 1099C in violation of Treas. Reg. 1.6050P-1 and N.Y. Personal Property Law 343 ( 2 ). Ally abandoned any right to collection several years ago because it lacked any basis in law, or fact, to prosecute any claim for collection given its failure to serve the proper notices as required by the state statute and given the lack of merit to any claim of damages to the vehicle. The fact that no receivable could have possibly existed as a matter of state law, would preclude Ally from waiving or forgiving any monetary amount. You can't cancel or forgive a debt that never existed. 

I am respectfully enclosing copies of my most recent letter to Ally dated XX/XX/2022 together with XXXX exhibits to substantiate my complaint.
Consumer complaint received 2022-05-06
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: PNC Bank N.A. (NJ)

In accordance with the fair credit Reporting act XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

Comenity Bank emailed me a notification of the minimum payment due on my XXXX Credit Card account ( 10 days before the payment was due ), and also indicated that minimum payment amount by XXXX on their web payment portal ( I did not type in a custom payment amount ). I paid that amount and thought my account was in good standing, until I received a notification from my credit monitoring service that Comenity Bank had reported my account as >30 days late. I have 20 years of credit history, 12 with that card, and have never had a late payment. I called them to ask why they had reported me, and they said that the minimum amount that I owed was actually higher on my paper statement than was indicated in their email or on their web portal because I had returned some merchandise in the interim. I asked them if they would be willing to revise their report to the credit bureaus given that 1 ) it was easy to see how I could have been misled by their emails and web portal ( especially since I have opted out of paper statements and only receive electronic notifications ), and 2 ) the amount of returned merchandise could also be seen as more than sufficient in terms of " minimum payment. '' They have refused to acknowledge any part in misleading me or to help repair my credit rating ( which has dropped 100+ points ), but are happy to charge a {$38.00} late fee and an egregious 27 % interest rate on the balance.