davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2021-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I have been attempting to complete a Short Sale of my property for over two years. I have complete numerous XXXX applications with intent for a Short Sale. 
I filed a complaint with CFPB in XXXX, XXXX regarding terrible communication with SPS mortgage and the denial of a short sale application. My original complaint was # XXXX. The first short sale application was denied with varied explanations provided by SPS including that the home was inhabited by my ex husband at that time, as he was " squatting '' in that home since XX/XX/XXXX. 
In XX/XX/XXXX, my home was scheduled for foreclosure. The date was postpones secondary to inclement weather. 
I then had an offer for a new buyer to complete a short sale. I went through the process with SPS, completing another XXXX and submitting all necessary documentation. 
In XXXX, XXXX I received notification from SPS that the short sale had been approved with a closing date of XX/XX/XXXX. The buyer and his agent were in close contact with SPS and requested a brief extension while completing an appraisal for his bank to secure the loan. The approval was for a sale price of roughly {$120000.00}. 
When the buyer was prepared to complete the sale, he contacted SPS and was told the application process had to be completed again. All documentation was submitted AGAIN. He was told it should be quickly re-approved and completed. 
Instead, SPS has now informed him that his offer is too low. They apparently completed a drive by appraisal and are now stating that the property is valued at {$140000.00}. The property is ABSOLUTELY not worth that price and certainly did not jump over {$20000.00} in value between the initial acceptance of the short sale for {$120000.00} 3 months ago. 
When browsing through the communication I have received from SPS, there is a statement that the short sale was not approved because I denied other programs for mortgage assistance. So once again, there are numerous " reasons '' that the company is providing for denial of the short sale. 
The short sale was approved in XXXX, XXXX. How can they now demand more money? what they are now asking for is more than the home is worth and more than my mortgage pay off. 
I vacated this property in XX/XX/XXXX, 4 years ago, and have been trying to get something done with the mortgage since that time. 
SPS is HORRIBLE to deal with. Communication is difficult. Responses are inconsistent to any question or concern presented. 
I have moved away from the area of the property. Me ex-husband vacated the property. I have made every effort to jump through whatever hoops SPS has thrown at me to satisfy the requirements to complete the short sale. They have an offer that would cover my outstanding mortgage and they APPROVED it. Now, a few months later they are denying it and asking for more money. 
It is utterly ridiculous. I am amazed that the buyer is still attempting to complete the purchase given his extreme frustration with dealing with SPS as well.
Consumer complaint received 2021-05-22
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: GOLDMAN SACHS BANK USA (IL)

I made a purchase on XXXX on XX/XX/2020 for a project that was funded called XXXX XXXX  made by XXXX. The transaction was {$180.00} and after a short period of time, I got an email from them that I can choose add-ons to the masks I paid for that I paid on XX/XX/2020 for {$71.00} for it. 
I have contacted XXXX regarding refunds and they denied that they ever promised a deliver on XX/XX/2020 and they told me they will be shipped on XXXX of XXXX. Ever since then I have been contacting Apple Card support with Goldman Sachs and they been putting my dispute through and every time it getting resolved against me stating you made the purchase. 
I told them many times that I did made the purchase but the seller never delivered and they denied me refund and they still after almost 8 months of delay have not send the items to me. 
If you would look at XXXX page of XXXX XXXX, you will see hundreds of comments of angry people like myself that paid hundreds and in some cases thousands of Dollars and non of them received their items. And that is because this company is committing a fraud and protecting themselves behind XXXX policy. XXXX legally is the company who collects the money and credit card companies go after them and not the scammers who XXXX pays the money to. 
This issue have taken 7-8 months of my time and at this point, there is zero chance of me letting it go and Apple Card Goldman Sachs finally sent me 2 letters with copies of privacy policy and terms and condition of XXXX as a reason of no refund. 
I have never had this issue with any other credit card company and I am deeply disappointed and dissatisfied of their service and I had to submit my complaint to you so perhaps you can help me get my rightful refund. 
Thank you in advance
Consumer complaint received 2021-09-13
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: WAKEFIELD & ASSOCIATES, INC. (MO)

Please let me know what is this account, how it ends up on my credit report and where's the papers that I signed? If you can not provide you have to delete this.
Consumer complaint received 2020-04-28
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. (CT)

I have been disputing this account since XXXX of 2019 with multiple dispute letters I sent in the hope of removing this inaccurate XXXX XXXX - XXXX account on my credit report. It is tiring and expensive going back and forth sending dispute letters with TransUnion and they do not mind reporting the same inaccurate information over and over. They continue to say that the account has been investigated and fully verified but it's still inaccuracies, missing information reporting. 

Under Sec 1681 of the FCRA, the credit bureaus must delete inaccurate, unverifiable, missing, or outdated information on my credit report. If this account is not reporting 100 % accurate, I request deletion immediately. 

Error as follows : This account is no longer reporting in XXXX  so this needs to be removed from my credit report. 
What is the monthly payment on this account? 
The credit limit is not provided The past-due account is not provided. 
What is the date of the last payment on the account? 
The remaining balance reporting in TransUnion is different from XXXX. 
You are reporting a different date account last reported. 
The comment on this account is completely different from the comment section from XXXX.
Consumer complaint received 2021-07-14
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)

HELLO, I AM INQUIRING REGARDING THE REMAINING NEGATIVE ACCOUNTS, THAT ARE CURRENTLY REFLECTING ON MY CREDIT REPORT. IT IS NOT FAIR TO ME THAT AFTER SEVERAL ATTEMPTS AT TRYING TO RECTIFY CERTAIN DEROGATORY INFORMATION ... THE CREDIT BUREAUS HAVE FAILED TO PROVIDE ME WITH ACCURATE AND COMPLETE RESPONSES REGARDING THE NEGATIVE ACCOUNTS ON MY CREDIT REPORT, WHICH I'M DEFINITELY NOT LIABLE FOR. THE MAJORITY OF THE ACCOUNTS HAVE BEEN EITHER REPAIRED OR DELETED OFF MY CREDIT REPORT. THERE IS NO REASON AS TO WHY IF XXXX  XXXX XXXX  WAS ABLE TO DELETE ONE OF THE XXXX  XXXX ACCOUNTS FROM XXXX OF XXXX, DUE TO THE FACT THAT IT DID NOT CONSIST OF ANY ACCURATE INFORMATION AND DOES NOT PERTAIN TO ME. THE OTHER XXXX  XXXX XXXX  ( AUTO ) ACCOUNT FROM XXXX, WHICH DOES NOT BELONG TO ME IS STILL THERE. PLEASE HELP ME REMOVE THE FALSE NEGATIVE HISTORY OFF OF MY CREDIT REPORT IMMEDIATELY. I GREATLY APPRECIATE IT.
Consumer complaint received 2020-04-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (TX)

I filed a complaint on Chase Bank about {$1500.00} that has not been credited to my account for a loan that was taken out on XX/XX/2019. Chase made ONE scripted call and nothing has been done. I checked the status with the XXXX  and it said closed because Chase called me? It was a token call with nothing being done just responding to close this complaint. This is horrible business by JP Morgan Chase. XXXX XXXX XXXX Tx is on the other end of this also. Chase had the check and said it sent it to XXXX XXXX of XXXX Tx but XXXX XXXX says it don't have it. I'm stuck in the middle paying interest on the {$1500.00} that I should not be. You might want to try another Bank and Dealership.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-07-15
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. (SC)

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. DPTEDXXXX XXXX {$300.00} XXXX XXXX {$53.00} XXXX  XXXX {$80.00} XXXX  XXXX {$4500.00} XXXX XXXX {$6700.00}
Consumer complaint received 2020-07-15
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. (SC)

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 {$300.00} XXXX XXXX {$53.00} XXXX  XXXX {$80.00} XXXX  XXXX {$4500.00} XXXX XXXX {$6700.00}
Consumer complaint received 2020-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (MA)

Upon entering XXXX  school three years ago ( XX/XX/XXXX ), my federal student loans went into deferment. Since then, I have not received ANY contact from my student loan service, Nelnet. This includes loan statements, interest statements, tax information, reminders, or anything else. 

I have continued to make payments to my private student loans during my time in graduate school to a company that is also owned by Nelnet ( Firstmark ), but given the lack of contact, I had forgotten about the separate loan and loan service account. Perhaps naively assuming that since they're owned by THE SAME COMPANY and want my money they would be in touch. Today, I learned I still owe {$13000.00} in federal student loans. I was not aware of this balance until today ( XX/XX/XXXX ). 

I contacted Nelnet and despite having records of my making regular twice-monthly payments totaling tens of thousands of dollars over the past three years to my private loan account, and declaring interest as tax deductible every year, they have no record of contacting me for my federal student loans. I asked them why they didn't contact me and to please describe the policy that outlines why in the world they would cease contact with borrowers while also collecting interest on them and their response was " I don't know. '' I'm not kidding. The response from the customer service representative and her supervisor was " I don't know. '' TO BE CLEAR : I did NOT miss any contacts, letters or email. I did NOT ignore any correspondence or lose it. NELNET HAS NO RECORD OF CONTACTING ME FOR THREE YEARS despite collecting daily interest from me. 

" I don't know '' is not an acceptable response. Not contacting borrowers for three years is not an acceptable policy. Continuing to collect DAILY COMPOUNDED INTEREST off my back while neglecting to notify or even give me the opportunity to deduct the interest from my taxes is not acceptable. I would assume and hope that it is in some form illegal.
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BBVA FINANCIAL CORPORATION (TX)

Date Applied : XX/XX/XXXX Promotional Bonus : {$1000.00} cashback after {$4000.00} in 3 months ( promo was pulled back on XX/XX/XXXX ) I applied to BBVA XXXX credit card on XXXX but it took 60 days for them to tell me that BBVA made a procedural error and my application was canceled. I was initially told that it will take 5~7 business days to get the decision. I kept calling BBVA multiple times to follow up with my application status after the waiting period passed but the bank kept telling me it is pending due to heavy volume of application. In the meantime, other applicants heard back within 10 days. 4 weeks later, I called the banker that I worked with and he requested for my DL and SSN since bank had to verify my information. I sent the documents on XXXX but received no call back until I called the banker back on XXXX. He said my application was canceled not due to my credit history but because of BBVA 's procedural error. One of the departments claimed that they did not receive my DL and SSN. The banker admitted that it was BBVA 's fault so told he would contact his credit specialist to reconsider my application but no call from him for 3 weeks. The application left a hard inquiry on my credit history but BBVA has not fulfilled its part as a credit card issuer for making procedural error. 
I filed complaint through BBB but BBVA 's response was my application date is XX/XX/XXXX which I never would have applied since the promotional offer had been expired at that time. BBVA claimed it sent a letter regarding the denial but I did not receive anything. There is literally zero communication with the customer.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX  have the Mortgage account late even i sent them a copy of the mortgage in forbearance, and XXXX in Collection even it was never reported late. I filed disputes XXXX, XXXX, latest in XXXX
Consumer complaint received 2020-04-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (ME)

Cavalry Portfolio Services has placed a lien on the title of our family home in Connecticut. 
We are trying to sell our family home through a short sale to keep it from falling into foreclosure. 
Despite our best efforts, Cavalry refuses to release the lien from the title so the short sale can go through and not another Connecticut foreclosed home. 
We have a cash sale, but Cavalry continues to refuse to work with us by releasing a very old debt from XXXX - XXXX that they purchased. 
At that time, both of us were working. The economy in Connecticut was great, we are now retired and trying to sell our family home when this showed up on the title. 
Our Bank will not close with this lien on the title. 
Thank you for your help.
Consumer complaint received 2022-09-10
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXhas 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-02-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (WA)

On XX/XX/XXXX we started an application to AmeriSave Mortgage Corp, which agreed to provide a re-financing mortgage, loan number XXXX, for {$190000.00} for 30 years, at a fixed rate of 2.125 %. In a XX/XX/XXXX, email from sales manager XXXX XXXX to us, AmeriSave agreed to lock that rate. On XXXX XXXX, AmeriSave changed the rate to 2.25 %. We requested 2.125 ; they repeatedly said the rate would be 2.125 %, but at closing the rate was 2.25 %, which we signed under protest. 

We believe the facts are not in dispute. We and AmeriSave both have the original and as-signed loan documents as well as the correspondence between XXXX XXXX and us.
Consumer complaint received 2020-04-28
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. (CA)

I've been having the hardest problem dealing with someone using my personal information to open accounts in my name without my consent. I've filed police reports and FTC report trying to clear my name but i'm not having much luck.
Consumer complaint received 2020-07-15
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. (AR)

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible.
Consumer complaint received 2020-04-28
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. (PA)

After reviewing credit reports noticed an unfamiliar derogatory account from XXXX XXXX on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-Covid-19.
Consumer complaint received 2018-06-17
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)

Received a call from XXXX, asking if I had tried to apply for a XXXX XXXX XXXX credit card in California. I said that I hadn't, have been dealing with identity thieves in California. Checked my credit with XXXX XXXX and noticed a hard inquiry dated XX/XX/2018 originating from XXXX/XXXX  XXXX.
Consumer complaint received 2018-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

Starting XX/XX/XXXX, Navient raised my monthly payment from {$120.00} to {$520.00}, and they will not give me any reason why this happened. 

I requested to receive monthly statements mailed to my address each month, starting XX/XX/XXXX. It is now XX/XX/XXXX and I have yet to receive anything in the mail. When I called customer service to inquire why I have not received anything, I was told that I was sent a coupon book in XX/XX/XXXX. First, I've never heard of a coupon book before. I never signed up for that, never received it, nor did I want that. Customer service said they sent it, but they did not. Then on the same call they said that they sent a monthly statement on XX/XX/XXXX, for a bill that is due on XX/XX/XXXX. How can they send a bill 2 business days before it is due? It seems that they want me to be late on this bill since I won't get the statement until after the due date. 

They keep giving me the run-around. One person tells me one thing, then the next contradicts that statement. They raised my monthly payment amount without telling me, and will not tell me why. They also changed my monthly due date without telling me. I did not ask for a new due date! For the last 10 years it has been on the same date, and then for XX/XX/XXXX they changed it without telling me ; so then my payment was late since I paid it on the day that has been in place for 10 years. 

I feel hopeless and that I will never be able to actually pay these loans off.