davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am having major problems with the mortgage company SPS. they have stolen my XX/XX/XXXX Mortgage payment. I have proof that SPS Mortgage company cashed my payment on XX/XX/XXXX and they are refusing to credit my and are charging me interest on that missed payment. 
2. they have disclosed personal information and have invaded my privacy by discussing my mortgage with my insurance company, when I specifically told them in writing only discuss the insurance payment release only, I have proof of that I received a voice message from my insurance agent that SPS said I have filed bankrupty and that why the delay and that was none of there business to discussed my personal information. My house caught a fire XX/XX/XXXX and they are holding the balance of my funds that they received from my insurance company to fix my house. SPS is creating hardship for my husband and myself who are disable, we need are money now to continue fixing our house they are holding it so they can collect interest on it as long as they can. they took two month to release the first draw, when all obligations had been met. I have made numerous calls and they refuse to let me speak to anybody other then who answers the phone. Please help me resolve this matters
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the inquiries : 1. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
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: EQUIFAX, INC. (IL)

Equifax consistently keeps lying about an investigation into an existing issue. 

Basically I sent a letter to Equifax on XX/XX/XXXX, they received it XX/XX/XXXX at XXXX, about the Department of veterans affairs account. Equifax responded 30 days later with updated and that's it. I asked for this info because there was a lot of inconsistencies between the three bureaus. 

I then sent another letter to Equifax on XX/XX/XXXX in which they received it on XX/XX/XXXX at XXXX. They responded 30days later with more derogatory information where they changed the previous balance to a new balance of XXXX}. 

Shocked that they came to this conclusion, I the consumer wanted to see their method of verification. The problem with their method is, they didn't verify it accurately, that number was made up out of no where. 

I sent a third letter, demanding that fix the error because if you did in fact verify through the Department of veterans affairs, that balance would have been reporting accurately as XXXX}. 

I received this information from the Department of Veterans affairs themselves where they told me to take it up with the credit reporting agency. 

Basically Equifax lied the whole time about how they Investigated and that is not ethical.
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

TransUnion Hard inquiries XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX Bank XX/XX/XXXX - XXXX   XXXX XX/XX/XXXX - XXXX Bank XX/XX/XXXX - XXXX I never authorized these inquiries. I called TransUnion to dispute but haven't been contacted since.
Consumer complaint received 2021-11-05
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: Open Dealer Exchange, LLC (NY)

700Credit/XXXX  has a hard inquiry on my credit report when I've never been to that location or had my credit inquired ever in my life. I do not have a vehicle with these people nor have I done any business with them the fact the they is any inquiry from them is fradulent and I'm done dealing with them and the XXXX team. 

Be weary of car sales people!
Consumer complaint received 2017-06-03
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  charged off this account back in    2010  and re ages this account to show a negative account on my transunion report. Every month they re age the account to show a current delinquency on a charged off account. The amount charged off was  XXXX . I have tried to resolve this matter numerous times with transunion and   XXXX    and neither are reporting properly.  XXXX  continues to inaccurately report data on a charged off account by reaging it. This is a violation under FCRA.
Consumer complaint received 2016-02-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (VA)

I have filed a dispute twice with Experian advising them that information reported by XXXX XXXX is not correct and should be removed. This is common sense. In XXXX XXXX I took a {$56000.00} loan to buy a truck. It was a 42 month loan. I defaulted on the loan. That we all agree on that, but XXXX does not report a " date of first delinquency '' at all and reports a charge off date of XXXX XXXX and paid as agreed XXXX XXXX. So I submitted a dispute twice to Experian questioning 1. How could I have first been late starting the 7 year clock XXXX XXXX when the maximum maturity of the loan would have been XXXX XXXX. Remember the loan is 42 months. XXXX XXXX plus 42 months is XXXX XXXX. No one can be late in the XXXX year of a 3yr loan. That 's nonsense on its face. Also in the Experian file the payment history is marked paid as agreed XXXX XXXX and charged off XXXX XXXX. Does anyone believe a loan can go from paid as agreed to charged off in one month? But as I mentioned earlier, these dates are nonsense because the loan was 42 months. XXXX XXXX would be the XXXX month of a 42 month loan. But in any case that point is almost moot because the law requires the clock to start at the date of first delinquency not the charge off date. I ask Experian about the XXXX and XXXX history because that is material to my dispute and they admit they do n't know. They are in clear violation of the law because the information they have makes no sense, its incomplete or either unverifiable. I seek immediate removal of this information.
Consumer complaint received 2020-08-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I refinanced my home to lower the interest, I had a check mailed to me for escrow balance.. the check was stolen out of my mailbox, the perpetrators opened a virtual wallet account at XXXX XXXX.. I contacted XXXX and XXXX XXXX right away to stop the payment to the perpetrators. XXXX listened to me and stopped the payment to the perpetrators and is holding the funds and I have a direct contact at XXXX to contact. However WELLS FARGO AND XXXX XXXX HAVE NOT CONTACTED XXXX TO RETURN SAID FUNDS TO WELLS FARGO AND REWRITE ME A CHECK FOR MY MONEY .... I have done everything XXXX XXXX has ask and nothing is happening ... This has been going on since XXXX!!! 100 's of phone calls later and nothing!! The only person I have a direct contact with and holding the funds is at XXXX they have been awesome.. I spoke with XXXX at XXXX today and NO ONE has contacted her and my money is still sitting there. Will someone please help..
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Problem : Equifax makes it impossible to unlock credit report on the internet, as was originally promised. XXXX recommended I call a number that was supposed to be Equifax but was actually a SALES PROMOTION that wastes tons of time. 
Shame on XXXX and Equifax. They should be fined. 

DO NOT CALL THIS NUMBER XXXX it is a sales pitch for Cable Services, and is NOT a means to contact Equifax. This is a trap. 

When you call XXXX the customer MUST listen to many minutes of " free '' offers and then is sent to a Cable Company SALESPERSON to get a sales pitch. This number was given to me by XXXX who told me I HAD TO CALL THIS NUMBER to unlock my credit. 

I was expecting to unlock my credit via the internet, as I have my codes all organized. Equifax will not allow me to do this, instead sending me to a Cable Company for a long sales pitch. 

On Friday XX/XX/XXXX, I went online to use my unlocking codes to temporarily unlock my credit through Equifax. I was advised to do this through XXXX as I am applying for a new Credit Card. I had tried to unlock credit through Equifax on internet, but this is now impossible, even though I have the code to supposedly unlock my credit online. I had to pay a mandatory fee to freeze my credit in the first place, even though Equifax was responsible for the MASSIVE BREACH in XX/XX/2017. 

By XXXX Eastern time, I was told by XXXX to call this number : XXXX. 
I had to wait until Monday Morning to call this number. Then I spent many minutes on hold, then I got a sales pitch for Cable Services. Finally, I called XXXX and after many minutes on the phone had to give up my codes to a human who could also breach my data. 

Since I am paying for this service, even though it should be FREE, it should work on the internet with the correct codes. All phone numbers should work on weekends. 

Equifax should pay me money, for having to waste MY TIME on their sloppy, underfunded, nasty credit reporting business. Ditto XXXX.
Consumer complaint received 2022-09-12
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX I had my name changed in court, just my middle name, so supposedly once info is corrected with social security offices it should be " easier '' than if it were my full name, but I still did as I was advised and tried double checking after with the credit unions to make sure my middle name had been changed and didn't run into any issues down the line. No issue with 2 of them, but with equifax not only was the info not changed/updated but. 

- they say to just make an account on their website. You do this and you'll never be able to login. Doesn't matter device or browser, their site is poorly and insecurely constructed. You're led to a " sorry we can't do that please call this number '' page every single time. 

- you call that number like I did on XX/XX/2022, and twice last week and the week before ( XXXX, XXXX, and XXXX I think are the right dates ) and you're connected to a call center where English is clearly the XXXX XXXX  the call center is very audible in the background in a way that makes me believe the employees aren't given headsets ( I used to work in a XXXX XXXX, for me to hear other operators in the background this clearly you'd have to not have headsets ... which for customer support at XXXX  would be one thing but this is a major credit union where SSNs are being thrown around! ). I know they have a script to read from but it was also clear that on each time the operators just couldn't understand me and made no effort to actually fix or help with the problem. All they do is tell you to reset your password and then hang up on you. By try 3 or 4 I was firmly saying I won't be doing that because that's clearly not the problem, the solution, nor ever was. It's very clearly a problem with their website itself. They just keep repeating their script to change your password over and over again to the point that if it weren't for the clearly audible call center in the background I'd think it was a robot I was talking to. 

- I've sent certified mail and haven't gotten a response yet but I've seen online many others saying they did the same and just got ignored, and ran into the same issue with the same useless call center. 

Equifax 's support is nonexistent, their site is unesecure and broken, and they don't bother fixing issues or updating account issues when you try to contact them. And there's no way to get around this and try to fix it other ways! I'm at a loss for what to do at this point. 


Here 's a link to a MyFico forum of others having the same issue as me over a year ago : XXXX XXXX XXXX
Consumer complaint received 2017-07-31
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. (IL)

Im having a hard time getting my free credit report from XXXX they say they cant verify if its me but wen i go on line put all my infirmation im aproved to get my credit report if i pay i dont have a past address do to XXXX i wrote them an sent them every every address i could remember no reply i need my credit report i believe someone is using my idenity i explaind to them nothing.
Consumer complaint received 2019-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MI)

XX/XX/XXXX asked for modification and received note from Greentree showing loan interest rate drop to 6 % and new payment to be {$1500.00} effective XX/XX/XXXX. ( XX/XX/XXXX spouse lost job and we were able to pay until XX/XX/XXXX ) XX/XX/XXXX filed a motion to get a loan modification from Greentree and also filed with Michigan Homeowners Assistance. Got help paying 5 years of taxes and was also told the loan modification we received in XXXX was not a true modification. Housing value was not brought down to value in area. 

XX/XX/XXXX tried again to get a loan modification because feferred amount showing {$45000.00} and we were told we didn't have a XXXX XXXX or XXXX XXXX loan so we did not qualify and investor would not work with us. 

XX/XX/XXXX sent letter to Ditech asking why we still owed so much on the loan and trying to find proof of the loan modification and they said everything was done over the phone and they could not show proof. 

XX/XX/XXXX met with realtor to put house up for sale, received a payoff of {$230000.00} but on the mortgage statement and credit report it shows {$170000.00}. Called Ditech several times and just keep getting the run around and transferred to different people. 

XX/XX/XXXX received a letter from Ditech that our original account was closed and a new account number was given to us. Now we received a new statement and letter stating our payoff is {$270000.00}. The payments were making are going to a deferred account and no one can explain why or where the new amount came from. 

Ditech filed bankruptcy and this is when our account number changed and also now our credit report is showing a charge off. WHY we still can't find out. 

According the the Michigan Affordable Housing Ditech ( Greentree ) did not do a true modification but just lowered our interest rate and put everything on the end of the loan. Another reason we are questioning and where is documentation.
Consumer complaint received 2017-09-13
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. (CA)

This company stores my sensitive data, hires a diversity hire as their Chief Information Security Office where her specialty is music composition, then they get hacked and rather than letting people know the execs sell their stocks. 

I use the equifaxsecurity2017.comXXXX to find if I was impacted and it says yes, and then they try to sell me a service to make a profit off of my visit to their website which is spurred by their incompetence in the first place.
Consumer complaint received 2018-06-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One has held my money and has given no explaination on why I can not receive my cash deposited last year! 

Account number XXXX They keep stalling and sending me to an account security department which leads to a voicemail and no one calls back. Fraudsters and theives of my money!
Consumer complaint received 2021-09-13
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: Shellpoint Partners, LLC (CA)

I was in the forbearance plan for 3 months and me and my lender had an agreement on the repayment plan which is a 6 months repayment plan, I've been paying for 2 months and on time, they filed negative info to all 3 bureaus for 60 late, I called and questioned them but their answers was this is my true status, my account is still being late and delinquent. According to the CARES Act, during the forbearance plan or lender and borrower have reach a repayment plan right after the forbearance, lenders should report the account as current NOT delinquent, lender should not report any negative to any bureaus.
Consumer complaint received 2016-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX is listed as a separate account with a balance due for a charged off account that is still reporting beyond XXXX years. The last activity on the original XXXX account predates XX/XX/2009 and it has been charged off and taxed as income. The account balance on the original is XXXX and this attempt to duplicate it after charge off is unscrupulous.
Consumer complaint received 2017-06-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I open the checking account with Bank of America in 2015 and they close my account without letting me know what 's going, all they said because I deposited one of my cousin check into the account. And their account was close before it arrive me or the day I was deposit, they realized that I was deposit already. But I did n't. Because my cousin switch bank to credit union. So they close they account after the check arrive to me. So Bank of America close my account and sending to XXXX XXXX XXXX XXXX which I do n't know what was it. So I ca n't open the account any where else because they said I owe them. My direct deposit from my employer always come every 2 weeks.
Consumer complaint received 2020-05-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (MI)

I opened a CD account with Marcus Bank. I receive my first statement on XX/XX/2020. It showed a federal back up withholding charge as a percentage of the credited interest for the first statement. I called the company I XX/XX/2020 at XXXX XXXX. I was told that I signed a signature card. I would assume it would be for my protection to have my signature on file. I asked the representative to credit my account. She said that is not possible. I would have to file a tax return to get the withholding back this is a policy for personal CDs apparently it is however not a policy with IRAs The withholding will land when I sign a new signature card. I have never experienced such a procedure with any bank that I have done business with in the last 60 years when I withdraw my RMD from my traditional Ira account, I only say no withholding. This company is making monthly withdrawal of withholding at a 20 % rate of the amount credited for the month. I lose earning power because of that deduction. This is their position regarding errors and I quote - we will investigate your complete and Will correct any errors promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is an error so that you will have the use of the money during the time it takes us to complete our investigation The math : XX/XX/2020 interest of {$170.00} XX/XX/2020 CD Decrease Federal Backup W/H. {$41.00}
Consumer complaint received 2019-06-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

My mortgage never used to require an escrow account. Please provide the following : 1 )  Documentation showing why an escrow is required with my loan, 2 ) Date escrow was added to my account to include explanation why, 3 ) Breakdown of how my escrow payment was calculated and method used to determine monthly amount, 4 ) Explanation why escrow payments are being billed when I tax paid my 2019 taxes in full to the Town of XXXX. The tax payment was delayed due to a dispute over my water bill with the town. 
5 ) Explanation why the letter dated XX/XX/2019 from Mr. Cooper in response to my inquiry failed to note that my taxes were paid XX/XX/2019, the tax payment they sent in XX/XX/2019 was a duplicate and returned, and I continued to receive inaccurate periodic statements. 

Supporting Documents : Document 1 shows that there was a duplicate payment made from Nationstar to the Town of XXXX for taxes and was returned. Document 2 and 3 show that escrow taxes and insurance in the amount of {$330.00} were being billed to me after my taxes were paid. Document 4 is from the Town of XXXX and shows that I paid the taxes for 2019 in full. Document 5 is a letter dated XX/XX/2019, which shows that ( 1 ) Mr. Cooper failed to adequately investigate my account due to the fact that the taxes were paid in full during XX/XX/2019 and ( 2 ) Town of XXXX returned Nationstars tax payment because it was a duplicate sent after my payment. Document 6 shows that I am being billed late fees, I am a senior citizen on a fixed income and this has an adverse impact on me.