davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

Amount Needed to Reinstate Loan : {$73000.00} Select Portfolio Servicing offered me Forbearance through the pandemic and told me that I had to pay a Lump Sum on Pandemic Forbearance. I was in a Forbeabearance prior to the pandemic and was paying and then I was offered a Continued Pandemic Forbearance and after that my Default payments went from {$23000.00} to {$73000.00} Default payments to Reinstate my Loan. Select Portfolio refused to work with me on the Pandemic Loan Forbearance and told me I had to pay everything in one Lump sum, that that do not honor other programs to move payments to the back of the loan. They are requiring {$73000.00} from me to reinstate my loan so I will not lose my home and have referred it to the XXXX for foreclosure actions.
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Hello, so roughly a week ago I was hit with {$18000.00} worth of bank fraud on my capital one 360 bank account. I reached out to their fraud department to file a claim, since I did that, today I decided to call in the morning and the representative guaranteed me a provisional credit. XXXX hours after that I talked to a representative who told me that the information given to me was false. Then XXXX hours after that I decided to call one more time and the representative on the phone guaranteed the provisional credit within XXXX to XXXX hours. But then they flipped on me saying that the representatives beforehand provided me with false information. Of course, I made arrangements and planned on using that money to pay for rent, car payment etc. Two different representatives told me I was gon na receive it today and now I'm being told that was completely false. What should I do? I called XXXX XXXX XXXX XXXX ( spoke with XXXX ) and XXXX XXXX XXXX XXXX  ( don't remember the representative 's name ).
Consumer complaint received 2022-09-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (OH)

Affirm credit financed an item for me from XXXX the order number from XXXX was XXXX. The package from XXXX never arrived, although tracking shows it was delivered, I never received the package. I asked XXXX to help but they refused saying the packaged was delivered and i need to dispute the item as not received with Affirm. {$440.00}. So i finally disputed the item as not received with Affirm and i immediately got an email that says even though i disputed the item as not received with affirm their is nothing they can do because they must always follow and do anything XXXX tells them. This is ridiculous I do not have a valid loan with affirm because i never received the item. So i have no merchandise but yet I have a loan with affirm and they refuse to help in anyway and they have also threatened if i miss one payment they will ruin my credit for life. I am being blackmailed by affirm. I do not have any merchandise but they are charging me for it and refuse to help or investigate. I want this loan account cleared and marked paid in full because I DO NOT HAVE THE MERCHANDISE. Attorney general is also being contacted.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have old student loan accounts that should have been cleared with a bankruptcy that had been transferred around by the department of education and are now with XXXX. They had been updated as closed and are now showing that they are reopened again. After I went through the long process of getting them closed with the vendor. This loan for {$12000.00} should have been discharged and shows it was opened : XX/XX/XXXX; showed closed until XXXX of XXXX ; now showing it open but comments still say closed. 

I also have student loans ( more recent ) XXXX or later that have been discharged and even after disputing them with the letter for the department of education, they are still reporting them as opened.
Consumer complaint received 2021-02-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently checked my credit report and noticed several inaccurate items. After researching how to dispute these inaccurate items I learned a lot from the FCRA. In keeping with the law I submitted a dispute letter over 60 days ago and still have not heard any response. I feel like Im being ignored and being taken advantage of. These items are injurious to my credit report.
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (TX)

I previously requested that you provide original contracts for the items that I previously disputed. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant. 

Please DELETE any accounts that you can not provide the original contracts for that show the lawful collection fee amount. 

XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX {$810.00} XXXX  XXXX {$790.00}
Consumer complaint received 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

I filed bankruptcy in XXXX. My house was not included and I have never missed a payment. My mortgage was sold to Select Portfolio Services in XXXX. In XXXX I noticed my mortgage payments were not being reported to the credit bureau. I contacted Select Portfolio Services and advised them of the situation and that my bankruptcy paper work shows the house was retained. I was told by the representative that since my social security was associated with a bankruptcy, the information must remain on my file for the life of the loan, because it is a Select Portfolio Service policy. I have copies of my payments to Select Portfolio Service that date back to XX/XX/XXXX.
Consumer complaint received 2021-12-01
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be corrected.
Consumer complaint received 2020-01-27
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. (NJ)

hello XXXXXXXX XXXX has 2 accounts reporting late. They spoke very rudley to me in regards to my explaination of my lates. I was in the hospital and my caregiver paid it. I love XXXX XXXX and plan to contiue to work with them. I plan to pay off my loans with them and buy a new home but since the reported me late I cant. Its a new years and all I want is support from the bank I love. Please why are they doing this to me and my family. I lost so musch this year.
Consumer complaint received 2022-01-15
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: AMERICAN EXPRESS COMPANY (IA)

I purchased XXXX American Express blue bird cards to pay my mortgage the company that contacted me had all the information my house company had and I believed it was my mortgage company and come to find out it was a fraudulent company that had got my companies information. I went and got the cards to pay my mortgage and told me to pay it using the cards so we did. Then the real mortgage company called me and told us they hadnt received our payment. So I called the fake company back with my real mortgage company on the call with us and he listened in asking for information on who they were on a recorded line and they would not give him any answers and hung up and now we are out {$830.00}, {$410.00} on each card because this company scammed us. We called the number on the back of the card gave them the information all over again sent everything they needed in an email and they are giving me the run around hanging up on me when trying to get a case number. I believe the company that pretended to be my mortgage company has connected to the phone numbers on the back of the bluebird cards and are just trying to get people information.
Consumer complaint received 2021-07-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

To Whom It May Concern : VALIDATION Request I was XXXX  in 2019 I never got your letter not sure where you send it This letter is being sent to you importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : [ account_numbers ] Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX XXXX or XXXX  ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2022-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2021-12-01
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)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be corrected.
Consumer complaint received 2022-11-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-01-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NV)

I attempted to purchase a dog from what I thought to be a reputable breeder. The website was XXXX XXXX XXXX  and I had arranged to purchase a dog on XX/XX/XXXX. I was told to use the Zelle app to transfer {$800.00} to the seller, and because I have purchased dogs before online and that Zelle was an app my bank, XXXX XXXX XXXX XXXX, used I was not aware of any potential problems. Once I used the app, the money transferred over from my checking account, and I learned that the seller was not actually a dog breeder and I was scammed. I discovered the scam within 4 hours of the transfer, and attempted to call the website and my bank to cancel the transaction. The website did not return calls and the bank said that Zelle transfers could not be undone. I was not provided with any notices or disclosures that helped me to understand that Zelle was not covered by any insurance like a regular debit card would have been. Zelle advised me that the transfer was voluntary, and so they were not responsible. My bank let me know the transaction was not secure, even though it was the only third party money transfer available on their secure mobile app. I am confused as to how Zelle can not stop or reverse charges that are transferred to another checking account if fraud is suspected ; I thought there should be a provision under Reg. E?
Consumer complaint received 2021-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not consent to, authorize nor benefit from any of the following account attached is the identity theft report. I have asked for a investigation report and never received it. The law says this that it should be removed in XXXX days and its been over XXXX days as you can see on the FTC REPORT I sent it on XX/XX/2021 and today is XXXX/XXXX/2021. 15 USC 1681-C 2 ( a ). ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2018-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (PA)

This problem is not about a loan I have. I am being harassed by Sallie Mae about my niece 's loan. I am not even a co-signer on it. 

XX/XX/XXXX- I was called by a representative named XXXX XXXX from Sallie Mae . Apparently, when my niece first applied for a college loan in XXXX, she put my name down as a reference. She is having trouble paying right now because she recently had a XXXX XXXX XXXX XXXX XXXX, and is only working part time. So, because my niece put my name down as a reference 10 years ago, these people called me because my niece won't answer her phone. I called them back the same day to complain and I told them not to ever call me again, that they have my niece 's contact information, and I can't make her answer the phone or call. They assured me I would not be bothered again. 

XX/XX/XXXX XXXX - There was a voice mail message on my phone from someone at Sallie Mae. I could not hear the name, but I believe she said her agent number was XXXX. She said her extension is XXXX. Again, she was saying she needs to talk to my niece and wants me to call her back immediately, and wants me to do anything I can to get my niece to return the call. 

I am not getting into my niece 's business and she isn't going to listen to me. I've told my niece to stop avoiding the calls, I can't do anything else. I have enough to do in my own life to help these Sallie Mae people. My husband and I have two elderly mothers and his XXXX sister to care for right now, and I work full time at a very demanding job. I am furious that they called me again after I told them already that I am not going to get involved and they assured me I would get no more phone calls.
Consumer complaint received 2018-02-14
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SFS, Inc (MI)

XXXX XXXX XXXX company repeatedly calls my job on a daily basis harassing me and my coworkers about a debt that I do not owe. I have asked them to stop calling my job on multiple occasions.
Consumer complaint received 2021-12-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WI)

My father took out the va loan well he died I've been making payments and never late on insurance nor taxes well loan sold the house without explanation They wont talk to us the other was XXXX they said they're no longer involved with loancare in XXXX Wisconsin but they refuse our payments said theyd only talk to my father even after we showed death certificate and insurance up to date taxes up to date
Consumer complaint received 2022-10-15
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: Aldous & Associates, PLLC (FL)

I have asked the credit bureaus to conduct an investigation multiple times on this debt and they state that it is accurate but it is not. 

ALDOUS AND ASSOCIATES Amount : {$460.00} In accordance with the Fair Credit Reporting Act, Aldous and Associates, have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish an account without my written instruction.

I have presented military orders showing that this account was in violation of the soldier and Sailors act. The account was suspended and the amount owed was presented in error.
Consumer complaint received 2022-01-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Bread Financial Holdings, Inc. (GA)

Logged into Comenity Bank 's online profile on XX/XX/XXXX to request payoff of balance on educational loan. System generated the payoff with the good through date. I did not take a photo of the screen when the data loaded because I had already received the email notifications of me adding in my bank account, submitting the payoff payment. The account was fully credited on XX/XX/XXXX with the payoff in full payment. Balance updated to {$0.00}. New finance charges were charged on XX/XX/XXXX which were after the paid in full payment and zero balance and billing statement closed date. It is beyond extremely difficult to get a representative on the phone, much less one that can truly understand and communicate effectively. They do not listen to what you are asking of them. I have recorded conversations of my calls with proof of a representative laughing at me when asked for them to credit their fraudulent charges and transfer me to a Supervisor. This company engages in underhanded and deceptive tactics with consumers.
Consumer complaint received 2020-01-28
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. (MD)

XXXX XXXX XXXX XXXX IS KNOWINGLY AND FALSELY REPORTING THAT THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX TO XXXX. THAT IS A LIE IT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  XXXX TO THE CFPB.GOV XXXX XXXX XXXX XXXX. IS KNOWINGLY AND FALSELY REPORTING TO TRANSUNION THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX. THAT IS A LIE IT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  TO THE CFPB.GOV XXXX XXXX XXXX XXXX. IS KNOWINGLY AND FALSELY REPORTING TO XXXX THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XXXX XXXX XXXX. THAT IS A LIE THE ACCOUNT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  XXXXTO THE CFPB.GOV THIS IS NOT A MISTAKE. XXXX IS TRYING AND HAS SUCCEEDED TO DESTROY MY CREDIT WORTHINESS. THEY HAVE DONE THIS MANY TIMES TO MANY PEOPLE. THIS IS THEIR BUSINESS MODEL. BUY OLD ACCOUNTS REPORT LIES BY RE AGING ACCOUNTS. TAKE THEM TO COURT FALSELY. THEN DROP THE FALSE LAW SUIT. THE ACCOUNT IS RE AGED TO COME WITHIN THE TWO YEAR MARK TO DESTROY YOUR CREDIT.
Consumer complaint received 2022-11-19
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. (FL)

alot of information found is invalid on my credit report with transunion. I am interested in disputing all incorrect inaccuracies on my credit report to help correct my file.