davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-07
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. (CA)

I have been unable to retrieve credit report from Equifax due too their product XXXX  offered free of charge since I was affected by the Equifax breach. XXXX  locks your Equifax credit report so lenders can not run your report. I signed up for XXXX XXXX because it was recommended by Equifax after their breach. Unfortunately the product has put a permanent lock on my credit file that I can not unlock. The XXXX website does not work to unlock my file and says to contact customer Support. I have been in contact with them and was told to Fax information to verify Identity, which I completed and confirmed they received it. For the last 2 months I've been told the credit file is now unlocked but the website will still be broken and needs to be escalated with internal systems team for repair. I asked for a ticket number or confirmation of the repair but XXXX could not provide me this info. They said to run the credit again as it should be fixed for the lender to get report. Since then my lender ran credit 3 times with no results and its been 2 months since I started the process. I'm stuck in this cycle with no results and Im trying to move forward in life with Reality investments that are getting stalled due to Equifax neglect. I feel hopeless and have worked hard to achieve goals in life that are being stopped by this negligent company. Please help!
Consumer complaint received 2021-08-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc. (NH)

The XXXX XXXX XXXX XXXX NH has posted a debt collection of {$710.00} dollars to me regarding a health club membership since XX/XX/XXXX. 2020. Me XXXX XXXX had called them to say I had lost my debit card and to stop charging my account and to freeze my membership while I was out of state.. and they said that they would and when I had returned home I had called and they said I owed XXXX I tried to work this problem out with them multiple times saying I told them to freeze my membership and they were attempting to charge a card that was deactivated. I had many staff workers tell me they were not charging my account and that there was nothing they could do very rudely and not professional so I am submitting this because I had stated to them multiple times over phone to freeze my act because I was out of state and lost my debit card and they did not comply and were charging me for services I asked to stop receiving for the time being.
Consumer complaint received 2020-10-28
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: FIRST NATIONAL BANK OF OMAHA (MI)

Everything happened today on XX/XX/28 I applied for a credit card through XXXX for a XXXX XXXX XXXX XXXX. The application was forwarded to the First National bank of Omaha. This application was denied. 

However Upon calling said creditor, they said there was absolutely no way they would send a credit report to me. They insisted they can send a denial letter but will not send out a credit report. 

I informed them of their obligation under the fair credit reporting act that they must send a credit report upon denial and request. They simply declined to send this report. 

I informed them next that I would file this report to the CFPB and the Nebraska attorney general to which they basically laughed. 

I spoke with a XXXX who refused to also give out their last name. This started to sound very shady. 

Their phone number is XXXX and the extension I was given is XXXX for XXXX who wont give out their last name for one reason or another.
Consumer complaint received 2017-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

On XXXX/XXXX/XXXX Shellpoint Mortgage Servicing phones were not working due to XXXX XXXX, thus, I was unable to make a debit payment as usual. I instead sent XXXX money money orders which was the correct amount, the next day returned receipt. The money orders were sent back. Since XXXX/XXXX/XXXX I have called XXXX frequently without results/resolution. XXXX XXXX attachments XXXX Now, my loan is in default because of my difficulties of communicating with Shellpoint.
Consumer complaint received 2021-04-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

I had a hard inquiry done on my credit for a Government Small Business Loan of which I never applied for US SM BUS ADMIN ODA made a Business Loan Inquiry by checking your Experian Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months.

Source : Experian Company : US SM BUS ADMIN ODA Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2023-02-22
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: Resurgent Capital Services L.P. (GA)

I have written several letters and given affidavits to the credit bureaus along with each company listed with police reports, letters and reported them to other related organizations, Matters still not resolved it has been a few years with evidence of these alleged debts and violations! 15 USC 1692g Validation of XXXX
Consumer complaint received 2020-11-16
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. (MS)

on XX/XX/2020, I sent another letter requesting investigation of inaccurate accounts showing on my credit report. I never received a response and it's been six weeks.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (NY)

XXXX. XXXX 2022, XXXX bought me a prepaid gift card from XXXX XXXXXXXX XXXX at XXXX for {$500.00}. I link my XXXX to buy what I need on a site, I shop a lot on this site, I know their customer service, they are loyal I am a regular customer, but on XX/XX/2022 this card Reported as unauthorized by XXXX. I am puzzled. I have the card and the card receipt in my hand. Why is it unauthorized? They canceled my order, then I called the back of the card and provided some documents as they requested, sent a fax to XXXX, including a driver 's license, the front and back of the card and the card receipt and my home address. The card is registered to a warehouse address, I asked them to mail the new replacement card to my home address or my company business address, then I called them again because it's been a month and I haven't heard anything, they just replied that I'm still investigating, let I'm waiting, I didn't even get in the case number, why they don't verify and believe it If someone reports unauthorized, my card and receipt are kept but it doesn't protect my card balance, I read a lot about this card online Complaints, they all acted the same way, embezzled our money and no one replied to you.
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (MN)

The company failed to uphold their warranty guarantee for a defaulted product. I purchased the product on XXXX XXXX. The manufacturer has a 90 day sleep guarantee, I am unable to sleep comfortably in on the mattress due to the due to the default of the adjustable base. The company failed to compensate me for the issues that I had within the warranty guarantee. The technicians were unable to troubleshoot the issue over the phone. I spoke with both the retailer and the manufacturer, we were not able to reach an agreement. The creditor is still demanding payment on a malfunctioned product. The company has a clause for no returns, which would expose underlying issues with the product. Quality was exaggerated, both the retailer and the manufacturer failed to uphold the quality of the product.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

The Letter I sent on XX/XX/XXXX was my XXXX letter writen inrforming the Credit Bureaus that I am a victim of identity theft and I write to dispute certain information in my files resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. I scpificaly highlighted to importance of the FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I need the following items removed from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXXXXXX Balance Owed : {$150.00} US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AK)

This is my 3rd time submitting a complaint about how Fedloan Servicing has handled my payment count, with the most recent complaint being submitted in XX/XX/XXXX, which was not completely resolved. I contacted FedLoan Servicing to request they correct my payment count for the payments that I made in the " Paid Ahead Status ''. Paid Ahead Status occurs when a person pays more than the minimum payment required in any given month. However, in the past when payments were made in this manner, the following month would show a lower payment needed to ensure the payments amount is satisfied. I have nine months where I previously made a higher payment, resulting in my account being in " Paid Ahead Status ''., and then the following months showed a lower balance/payment that was needed. I paid the lower amount in nine different months, which still made my account current. These payments are now supposed to be counted in the TEPSLF payment count. However, Fedloan Servicing has not applied these payments towards my TEPSLF payment count. The months needing to be added are the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - this is according to the documents that Fedloan previously submitted to me ( see attachment ). Please correct this and have the payments applied so they will count towards the TEPSLF program. Thank you.
Consumer complaint received 2020-10-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I filed disputes with the XXXX, Transunion and XXXX. It has almost been 60 days and I still haven't heard anything from them. Why is it taking so long for them to response to me?
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consumer Portfolio Services, Inc. (AK)

I have inquiries on my credit report that weren't made by me. I don't have these accounts and haven't applied for the accounts. I believe they were made by an ex husband who was using my information to try and obtain a vehicle loan because the same items are repeated on multiple reports. The point being someone, not me has access to my information and has unauthorized access and inquiries.
Consumer complaint received 2020-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (IA)

My mortgage company has sent numerous letters indicating that I am required to have flood insurance. I have each time responded by sending a copy of my LOMA paperwork proving that my residence in NOT in the flood zone. Despite this, they have purchased flood insurance on my behalf and refuse to make any attempts to resolve this issue. Today I have called twice and each time they have hung up stating they can not assist. 
I have attempted to get flood insurance through other companies and they all tell me I am not required to have it according to the XXXX website. I am at a loss and am not sure what to do next. They insurance they have purchased on my behalf is significantly more than other companies can offer.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (GA)

XXXX and XX/XX/2019 payments were reported late, but they were not. 
Disputed actions several times, and I have not heard anything back from them or the 3 credit bureaus.
Consumer complaint received 2021-04-28
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. (SC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-10-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc. (IA)

Told them to send me proof of the debt. They refuse to. Keep calling with blocked or un registered numbers. Asked several time for them to stop calling. They claim they have the right to call as much as they want. Asked for managers name or legal rep and they claim to be a lawyer working the case.
Consumer complaint received 2020-12-09
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (OR)

I am being charged a lot more in interest than was agreed. Also that you are stating on my statements. I was told Ive been charged XXXX interest for XXXX  months on a XXXX purchase. And basically every other purchase had the same discrepancy. Even thought Ive been making XXXX payments every month. 
XXXX XXXX  should be XXXX initially, and then drop from there as my balance decreases. In fact using a credit card interest calculator, my total interest I would have had to have paid should be XXXX! Total! But they are telling me XXXX being charged XXXX in interest and still growing!!! 
This is only XXXX of my purchases, and they are all similarly being exorbitantly over charged!
Consumer complaint received 2021-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: RateGenius Loan Services Inc (CA)

I used RateGenius to refinance my auto loan in XX/XX/2021 and the loan was funded on XX/XX/2021. RateGenius Application # XXXX. 
However, they have not made the title transfer fees to XXXX  until XX/XX/2021. 

I found out there are unpaid fees from DMV and multiple lienholders on my vehicle because I was attempted to sell the vehicle in XX/XX/2021. I have tried to reach out RateGenius and XXXX XXXX. However, my concern was passing in between Customer Service and Title Department and the Department that I have no idea why I got transferred to. End up I got reached out because I posted my negative reviews. 
Then RateGenius trying to blame all the mistakes because of the DMV 's behind and COVID. 
It causes unnecessary expenses to maintain the loan. Such as interest, insurance, and multiple DMV visits. 

XXXX XXXX is been very helpful to address the issue but not RateGenius. 

I m not sure does these Online Agencies do manage by CFPB. 

**email history attached.
Consumer complaint received 2021-10-13
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: Santander Consumer USA Holdings Inc. (FL)

Hi. 
I was reported by Chrysler Capital 30 days late for XX/XX/ and XX/XX/XXXX Im XXXX XXXX and my business was closed due to government order for pandemic. My XXXX was closed for XXXX, XXXX, XX/XX/. I called Chrysler and ask them to defer the payments around XXXX, and they were ok with that but still they reported me. This was during middle of pandemic and im requesting help to remove this late payment from my credit report. We are back to business now and still trying to survive.Its affecting my score drastically for any kind of loan applicaion
Consumer complaint received 2021-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (VA)

In regards to account I am a victim of identity theft. I am a natural person and consumer and this is fraudulent activity that has been furnished on my credit report. 
I have an attached copy of my ID Theft Report in the attachments. 

I demand that the all and any accounts from the following accounts be removed immediately off my credit report. 


Account name COMMONWEALTH FINANCIAL SYSTEMS Account number XXXX Account type Collection Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information These accounts are indeed reported on my credit report in connection with a credit transaction and Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) they should be removed.
Consumer complaint received 2019-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I am being harassed on a daily basis by Select Portfolio Servicing.

This is my second complaint as they just closed the first one yet keep harassing me. 

My XXXX  XXXX XXXX Loan was transferred to SPS. This loan is in the estate of me deceased Life Partner XXXX XXXX. When the loan was trasferred, everything should have been in place and I should not have to relive the past trying to prove how I have and that this was my partner and that I own this home. Back then XXXX marriage was not legal and thus I'm being drug through the mud to prove something that happened 13 years ago. This is harassment and this is discrimination. 

SPS say my payment is lower than it was before but refuses to explain. There is no reason why my payment would have gone down. I ALWAYS make my payments on time and I make an EXTRA {$500.00} PAYMENT EVERY WEEK on this loan. There is no reason I need to do anything except making the payments. 

I now receive at least one or two pieces of mail every day from SPS. I now refuse to open them and return to sender. When I open my mailbox, and see the letters EVERY DAY, I immediately feel pains in my chest. Yes this is real. XXXX XXXX XXXX has harassed me for 13 years and now it's starting all over again. It it doesn't stop I'm going to end up in the hospital with a XXXX XXXX or XXXX. It's not a joke. 

SPS needs to cease and desist. I have done nothing wrong. I am making payments on time and overpaying the loan. Why does this harassment persist? STOP. LEAVE ME ALONE.
Consumer complaint received 2019-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (VA)

I have been disputing this alleged account on all 3 credit bureaus for months now. I have sent certified letters directly to the collector and asked them to provide proof. They sent me forms that were NOT filled out by me or signed by me. They also have changed the alleged amount owed by {$5000.00}. In XXXX on my credit it showed a balance of {$21000.00} and now since disputed shows {$26000.00}. This is a violation of the FDCPA 15 USC 1692 F1.