davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NV)

On XX/XX/2021 a loan modification agreement between myself and Loan Care mortgage company was signed and notarized ( see attachment 4 ). 

Loan Care has continually violated the terms of the agreement. 

Monthly payment were set at {$450.00} ( see attachment 2 ) and have repeatedly been adjusted in violation of the agreement. ( See attachment 2 ). 

Payments continue to be made into the escrow account, which I have requested on numerous occasions, be stopped, and be transferred to my control AS PER agreement terms ( See attachment 3 ). This is AGAIN a violation of the agreement. 

Im requesting that the Lender, Loan Care, comply with the legally binding agreement that was signed.
Consumer complaint received 2020-10-19
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. (GA)

On the XXXX for sure. The correct PAYMENT HISTORY is not reporting correctly for my XXXX Card # XXXX. It's showing only 2 months when it should show 5 plus years ... Please correct history ASAP!
Consumer complaint received 2020-08-31
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. (TX)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX  XXXX  XXXX {$630.00} XXXX/XXXX   XXXX {$310.00} XXXX  XXXX {$8900.00} XXXX/XXXX  XXXX {$670.00}
Consumer complaint received 2017-02-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

XX/XX/2014 I received a settlement of XXXX. Less than 2 months later {$89.00} XXXX is spent. I 've never made any major purchases such as cars, houses etc. I closed my account after speaking with a wells fargo representative asking her is there any way some one could take money wuth out my knowledge she replied no. I just called wellsfargo and they have no records of my banking info stated it wss archived. After soeaking with XXXX from FDIC she stated they should gave kept my records for 7 years. At this point I am requesting a full investigation of fraudulent activity on XXXX account number XXXX routing number XXXX XXXX. 
Thank you XXXX XXXX XXXX Ga XXXX XXXX
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2017-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (PA)

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Consumer complaint received 2024-05-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I have requested to do an assumption through divorce to remove my ex husband from the note/loan. They are refusing by saying they cant do an assumption because I am already on the loan. This is inaccurate as I already started the process with previous lender and then I was transferred to SPS and they say an assumption will not remove his name. They need to abide by the terms of the original mortgage which is through XXXX. XXXX said they do allow assumptions through divorce when both parties are on the loan and title to remove one spouse off the loan. The proof is in the divorce decree. My ex husband left me the home free and clear with no interest to him. I sent them the divorce decree as evidence but are refusing to assist me in this process. I have a great interest rate of 3.875 % and can not afford to refinance at this time as it will double my monthly payment with an interest rate of 7.5 % currently. They are leaving me no choice but to sell my home and have nowhere to live. I cant afford even a small apartment at the current rental rates or to buy something smaller with such high interest rates. I will be homeless. Please help.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

My issue is with Equifax. I filed a dispute with Equifax to investigate the account balance on my XXXXept of EducationXXXX XXXX XXXX All student loans are discharged and the balance is {$0.00}. Equifax sends me information on XXXX XXXX XXXX. I didn't ask for information to be disputed on XXXX XXXX XXXX. I provided supporting documentation from the student loan lender to show evidence that the balance is {$0.00}. Why are they not doing their job and investigate the correct information?
Consumer complaint received 2016-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (IL)

I received a notification from Navient on XXXX XXXX, XXXX regarding the removal of the delinquency reporting for all my XXXX XXXX Loans and XXXX XXXX XXXX Loans reported for XXXX and XXXX ; NAVIENT submitted a request for removal of delinquency reporting on XXXX XXXX, XXXX. I 've recently received an updated credit report from XXXX ( attached ) and my student loans are still reporting 120 days past due for XXXX. In my previous case with CFPB ( CASE NUMBER : XXXX ), I was reassured via phone from a Consumer Relations representative on XXXX XXXX, XXXX and via CFPB ( CASE NUMBER : XXXX ), all delinquent reporting for my NAVIENTXXXX student loans would be removed for XXXX and XXXX ; XXXX XXXX, XXXX the request will be submitted to the credit reporting agencies to remove any delinquency reporting but, I 've recently received an updated XXXX credit report that shows all loans in XXXX are still 120 days past due. I 've never been past due on my student loans and all my student loans with NAVIENT/XXXX are current.
Consumer complaint received 2020-08-31
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: Experian Information Solutions Inc. (CA)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$320.00} XXXX XXXX {$90.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX  XXXX {$210.00} XXXX XXXX XXXX  XXXX {$2200.00}
Consumer complaint received 2017-02-24
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Dear Officer, I am a loyal customer of Bank of America for a long time. I opened a Home Equity Line account ( Account number XXXX ) with Bank of America in XXXX. When I did my home refinance with XXXX in XXXX, Bank of America ensured me that my Home Equity Line account would be kept open and Bank of America would refund me the payoff fee if they receive any. 
Before XXXX, I suddenly noticed that my Home Equity Line Account was closed. I immediately called Bank of America, and was told that this account of mine would be reopened for me within 10 days. However Bank of America has never reopened this account of mine! 
How could Bank of America break its promises to a customer repeatedly? Why should a bank have different policies? 
As a fiduciary, Bank of America should put the interests of its customers in the first place and must keep its promise to the customer! It not, Bank of America must pay for the damage caused. 
Thank you! 
XXXX
Consumer complaint received 2015-07-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CA)

XXXX XXXX aggressive debt collection became deceptive and dishonest. Resulting in incorrect negative credit report. 
XXXX XXXX deceptive collection activities allowed for a specified number of days to pay outstanding balance before sending the account to collections as per their billing statements. 
XXXX did not honor their disclosures and pushed my account into collections, resulting in the incorrect information reported on my credit report. I requested my service to be disconnected for the reason of going with their competitor. XXXX never closed my account and allowed it to run into disconnection for non payment. Once XXXX was advised they were in error, they continued to treat my account as a non payment, and the amounts were not correct, and have not been given a clear amount due as of yet. XXXX did send an adjustment amount, which I could not verify as valid. XXXX never advised me the account was going to collections, XXXX sent XXXX letters for demand of payment, both were for the wrong amount. 
Clear violation of the FDCPA 15 USC 1692e at the least. 
The closing bill was never sent, the account was never corrected from disconnection for non payment to consumer request to close and a accurate closing bill sent. Instead XXXX adjusts the erroneous inflated amount due to a lower amount and allows XXXX days to pay, without notice they send it to collection and way before the XXXX days were up as per their billing statement. XXXX was paid within XXXX days of receipt of the adjusted bill, which still is a questionable amount.
Consumer complaint received 2015-07-26
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I requested verification of debt owed on XXXX XXXX, 2014 from XXXX , XXXX via certified USPS letter which was signed for and accepted on XXXX XXXX. 

XXXX , XXXX did not respond to the request and has now threatened to sue me and continues to harass me in person ; they sent an individual driving a XXXX XXXX sedan to follow me when I am walking my dog and constantly take pictures of my roommate and I even after we requested that they stop.
Consumer complaint received 2022-09-06
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-04-14
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: Experian Information Solutions Inc. (FL)

An account reporting on report as negative from XXXX XXXX has been disputed numerous times as it is not correct or adhering to the FCRA, and still has yet to be removed nor have I been provided with verification of the debt. I have not been sent information containing my signature that authorized such a transaction with this company.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2022-09-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WI)

Freedom Mortgage has almost doubled the amount being pulled out of escrow. They purchased this loan from a previous mortgage company ( which I was unaware of and had to do some investigating to figure out why payment was not going through for initial mortgage company ). Taxes increased from {$4800.00} to {$5200.00} and mortgage was adjusted accordingly $ XXXX to cover a " shortage spread '' to cover the increase. Couple months following they sent a letter increasing an additional {$450.00} per month on top of the {$51.00} " shortage spread ''. Taxes are $ XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX is $ XXXX. Total of {$8400.00} annual needed. They increased the escrow amount to $ XXXX for a total of $ XXXX. I can not afford to pay twice the amount in taxes, insurance, and pmi and even though they did acknowledge the amount of {$8400.00} was correct for payments on their end, they are refusing to pull less than {$14000.00} on my end. I have never missed a loan payment. I've seen the same story online with this company. Hoping there is a way to resolve this without being forced to refinance into a honest mortgage company with rates much higher in current market.
Consumer complaint received 2023-04-14
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. (NY)

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 2023-04-14
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: Experian Information Solutions Inc. (TX)

I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CO)

Goldman Sachs does something no other bank does : They update your new credit card number with all of the old merchants EVEN if you tell them not to. They also refuse to block merchants if you ask them to. 

XXXX bank, XXXX XXXX, XXXX, if you request they will not do this. Only bank I have that does this is Goldman Sachs/Apple card . 

I signed up for a service called Done. 

My account was canceled and I received a cancelation email on XX/XX/XXXX. 

They continued to charge me. I filed a chargeback. 

Even with proof of the cancelation of the email, Goldman sachs took the merchant 's side. I didn't use the merchant 's service during that time period, my service was canceled, and I have email proof it was. 

Dispute information : Dispute case number : XXXX Transaction date : XX/XX/XXXX Dispute case number : XXXX Transaction date : XX/XX/XXXX Dispute case number : XXXX Transaction date : XXXX XXXX, XXXX Dispute case number : XXXX Transaction date : XX/XX/XXXX Dispute case number : XXXX Transaction date : XX/XX/XXXX Dispute case number : XXXX Transaction date : XX/XX/XXXX Dispute case number : XXXX Transaction date : XX/XX/XXXX Dispute case number : XXXX Transaction date : XX/XX/XXXX Dispute case number : XXXX Transaction date : XX/XX/XXXX XXXX
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MA)

I applied for and received a new credit card from Chase ( a sapphire reserve credit card ) using a referral I received from a family member. With the new card, there is an offer to receive XXXX bonus miles if I charge {$4000.00} in the first three months. After applying for the card through the referral link I saw on the Chase website that they were offering XXXX bonus miles to customers who receive a new card and charge {$4000.00} in the first three months ( the same requirements that were on the referral offer ). After receiving my card ( because I needed the card number to speak with someone ) I inquired to see if I could get the offer that is being advertised on their website since I applied for and received my card while this promotion was available. I was told that there was no way to receive the promotional offer unless I canceled the card and reapplied. I will do that if necessary, but there was no explanation given as to why they would not honor the promotion on their website.
Consumer complaint received 2019-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Service, Inc. (FL)

Asset Recovery Associates continues to call about an account that was paid off years ago. The account is almost 20 years old. They claimed they could see our accounts and that they were going to make sure that my husband ( who was never on the account ) was also going be affected by my debt that was almost 20 years old and paid off by at least 10 years. They also claimed that his job would be notified about the debt. How do we make this stop? 
They also said it would hit my credit report at a certain date and that has passed and its not on my credit report.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CT)

Citibank is not complying at all with my numerous attempts at finding out who took {$600.00} from my checking acct with them. My balance went from XXXX to XXXX. Exactly {$600.00} taken from a locked checking acct. I paid out {$300.00} to officially close my Citi checking and savings accts. They did not inform me of closing the decent enough monies associated with these two accts. Then a provisional credit for {$2100.00} was not successful in granting me a shelter from a collections agency. Citi is charging me {$2900.00} to payout the collections investigation provisional credit ; this is {$820.00} more than they gave me for credit! Usury predatorial interest rates, I guess. Please contact Citibank for me to reduce provisional credit payout to {$2100.00} and what exactly happened to my XXXX now XXXX?
Consumer complaint received 2021-10-03
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: Santander Consumer USA Holdings Inc. (CA)

Disputes were submitted to all three credit reporting agencies on multiple occasions this year. Santander continues to verify the account as accurate. This account was to be deleted per the multi state settlement agreement with the attorney generals office .This account meets all the legal criteria. Additionally Santander violated many other Federal laws which entitles me to financial compensation.