davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

In your response to complaint XXXX, this is what you wrote : Insurance Claim - In your inquiries, you stated that the adjusters worksheet for the wind damage was not being accepted by SPS. In review of our records, the adjusters worksheet for wind damage funds in the amount of {$18000.00} was received and accepted on XX/XX/XXXX. 

In your response, you clearly lied since I proved from an attached pfd ( which I am attaching again - pdf page.pdf ) that you had received the adjusters estimate for the wind portion on XX/XX/XXXX not as you claim on XX/XX/XXXX as quoted in the previous paragraph. 

On complaint XXXX you then claim you did receive the wind adjusters worksheet. In fact you write : The wind adjusters worksheet received on XX/XX/XXXX, was rejected due to no signed insurance letter received. Again, you clearly lied in complaint XXXX. 

Now this raises more questions that I want an answer to : 1. You state was rejected due to no signed insurance letter received. When was this relayed to me and how? I have proof of when this was relayed to me so may I suggest you do not lie again?

2. Where in the mortgage note does it state the following : i. you have a right to inspection other than for a foreclosure proceeding ; ii. You have a right to take MY insurance funds in case of natural disasters ( keep in mind the LTV on the loan you are servic
ing is less than 15 % so I do not want lip service protect investors ... the land after demo costs will cover 5 times the remaining principal balance ) iii. You have an obligation to verify that the property is liveable ( I have a letter from your firm stating that is your responsibility. 

I am disgusted by your unethical behavior. You and XXXX XXXX do not care about consumers during natural disasters. You only want to make money and cut employees and let computers do the work. This hurts consumers.
Consumer complaint received 2023-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX loan # XXXX Problem : SPS misapplied payments, did not apply payments. All mortgage payments were made timely and in full. Due to misapplied and not applying payments properly penalties, higher interest rates and collection fees were added to the loans. SPS has not been able to restore the loans to the correct amount owed. 

Hired XXXX XXXX in XXXX - XXXX Hired XXXX ( XXXX ) XXXX in XXXX to present We provided all paperwork, checks to show full payment and SPS still has not responded. 
I have spent close to {$30000.00} in attorney fees to get this resolved. 

I have fully paid SPS and have never missed a payment.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Child support has been stopped on the account that I now have custody of my son. I am still being charged child support and am currently paying child support but credit reports show that I am either 30 days late or 150+ days late and it is currently hurting my credit score. There are inconsitancies regarding payments to the attorney general over the last 3 years. It is showing I am current one month then 90 days late the next month then no information for 2 months and currently in XXXX no information regarding payments with XXXX XXXX shows I am current throughout XXXX until XXXX through XXXX and those months show 150+ days late. The incorrect reporting of payments from these companies are destroying my credit.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CBC Credit Services, Inc. (MI)

I have a collection account with this agency and it should be from XX/XX/XXXX. However it was reaged to XX/XX/XXXX ... When the creditor took it over. This account has been illegally reaged.
Consumer complaint received 2021-02-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

PennyMac Call Requests/Voice Servicing Call Requests provided to me were incomplete. 

Loan # XXXX Regarding CFPB Compliant XXXX previously filed. 
Missing - Pennymac did not comply with providing call logs specifically requested for and related to the following dates : 1 XXXX XX/XX/XXXX Spoke with XXXX 2 ) XX/XX/XXXX Transferred spoke with XXXX. 
3 XXXX XX/XX/XXXX Loan Mod Paperwork Request 4 ) XX/XX/XXXX XXXX XXXX. Spoke with XXXX 5 ) XX/XX/XXXX Spoke with supervisor XXXX  6 ) XX/XX/XXXX. Spoke with XXXX. 

My expectation is that PennyMac complies and sends me the above complete phone call/voice servicing logs that were missing from the CD sent to me. 

Additionally, the following call logs/voice servicing logs are a new request made XX/XX/XXXX via two phone call requests and two website messaging requests. Additional follow-up requests will be made today, XX/XX/XXXX, using PennyMac 's website messaging system and via email to XXXX. 

Pennymac has exhibited reluctance providing copies of phone calls/voice servicing logs, and answer questions related to the following dates, stating different requirements to fulfill ( such as going through online messaging or submitting a subpoena in order to request call logs ) 1 ) XX/XX/XXXX to XX/XX/XXXX a. XX/XX/XXXX XXXX at PennyMac transferred me to Modification Team b. XX/XX/XXXX Spoke with XXXX Customer Service. Transferred me to XXXXXXXX cXXXX XX/XX/XXXX XXXX transferred me dXXXX XX/XX/XXXX XXXX XXXX. XXXX with XXXX. Transferred me to loan mod dept ( XXXX? ) e. XX/XX/XXXX XXXXXXXX XXXX. XXXX with XXXX. Transferred me to loan modification dept. 

f. XX/XX/XXXX XXXX XXXX XXXX with XXXX gXXXX XX/XX/XXXX Spoke with Customer service. Transferred call to loan modification team. ( Spoke with XXXX? In loan mod dept. ) hXXXX XX/XX/XXXX XXXX with XXXX in escalation Unit. Transferred me to loan modification dept. 

i. XX/XX/XXXX XXXX with XXXX. Transferred me to XXXX in XXXX mod dept. 

j. XX/XX/XXXX XXXX with XXXX. Tx to XXXX. 

k. XX/XX/XXXX I spoke with XXXX at PennyMac l. XX/XX/XXXX XXXX XXXX. XXXX with XXXX at PennyMac Cust service My expectation is that PennyMac provide all of the new call requests, along with the previously requested call/voice logs.
Consumer complaint received 2020-09-17
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: Lending Club Corp (PA)

I submitted an electronic dispute to Lending Club Corporation concerning a loan that was charged off that was included in bankruptcy. I filed for Chapter XXXX Bankruptcy on XX/XX/2020. After submitting XXXX disputes to Lending Club through XXXX  Lending Club has failed to conduct a reasonable investigation to show that this account was included in my chapter XXXX bankruptcy and they are not adhering to the XXXX XXXX furnishing requirements outlined in the Credit Reporting Resource Guide. If Lending Club can not make the necessary corrections to my credit report by either updating my credit report to show accurate information or by deleting the trade line from my credit report, I will be consulting an attorney and proceeding with legal action as this is a direct violation under the FCRA.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am victim of ID Theft, while I was away at XXXX my XXXX XXXX was broken into, all personal things were taken, ie : wallet, bank statement and tax information. I reported the issue to my XXXX  and XXXX police. i was advised to file a formal complaint. I pulled my credit report and noticed several items on my credit profile I did not authorized or applied for. I have contacted Trans Union, XXXX, and XXXX several times. And have not helped me resolve the problem. I request the following account to be deleted. 

XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX opened : XXXX XXXX, XXXX XXXX XXXX XXXX opened : XXXX XXXX, XXXX
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Credit report still shows derogatory remarks regarding delinquent payments history and high revolving balance vs credit limit when these info over 12 yrs ago. I have less than 10 % debt on my credit cards and these credit reporting statement is negatively affecting my ability to get a loan
Consumer complaint received 2023-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (TX)

i DIDNT REALLY NOTICE THIS CHARGE DUE TO ME BARELY LOOKING INTO THIS AS OF RECENTLY. this company would email me charges but i never paid it any attention because i just thought it was spam due to me not knowing what it was.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I filed a dispute with Experian # XXXX about a lease with XXXX XXXX which I openedXXXX, the lease was completed and turned back in on XX/XX/XXXX and I purchased another vehicle from the same dealership. My credit report shows that the lease was not closed until XX/XX/XXXX and I was making payments which is inaccurate. They also report that the lease was repossessed XX/XX/XXXX ; which is also inaccurate ; since the lease was completed in XXXX and will remain on my credit report until XXXX. This is long past the seven year allowance for a dept to remain on my credit report. I would like this account deleted because it is in violation of my fair credit reporting. Please assist me this concern and or tell me what steps I should take to have this negative reporting removed from my credit file.
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted my Identity theft to the following credit bureaus Transunion and XXXX. I supplied them with Proper documentation and the law stating that FCRA 605B ( 15 U.S.C. & 1681 c-2 ) that items must be removed with 4 business days of receiving. These companies are refusing to remove and block the information. Which is clear Violation of the LAW.
Consumer complaint received 2020-11-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi On XX/XX/2020 I have submitted a dispute against the credit bureaus to eliminate some erroneous accounts in my credit report, but so far I have not received any responses from them. I have sent letters month after month since XXXX and I still haven't received any responses. I need help to know the status of my disputes. 

I enclose the first round of letters sent to the bureaus.
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (SC)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-08-10
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: NAVY FEDERAL CREDIT UNION (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2020-11-12
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: Experian Information Solutions Inc. (NJ)

The creditor both failed to make any appropriate corrections to the account of the obligor as requited by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ( i ) and failed to conduct a reasonable investigation of the billing error, within two complete billing cycles of the consumer after receipt of the billing error notice reported 09/15/20, as required by 15 U.S.C.

1666 ( a ) ( 3 ) ( B ) ( ii ).
Consumer complaint received 2018-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

On XX/XX/2018, I sent in my most recent PSLF Employment Certification form. With this form, XXXX XXXX should have calculated that I have made 68 qualifying payments toward the 120 payments needed for public service loan forgiveness. Unfortunately, XXXX XXXX is so bad at their job that they calculated that I had made 61 qualifying payments - despite the fact that my job has not changed, my loan has not changed, and my repayment plan has not changed. On multiple occasions, I have reached out to XXXX XXXX to inform them of their error and asked them to correct it. To date, they have done nothing. Moreover, they have failed to respond to my multiple emails. When I get them on the phone, they say they will look into it. XXXX XXXX is the most incompetent student loan servicer on the market. Congress should investigate. Student loan holders should avoid them.
Consumer complaint received 2023-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

In XX/XX/XXXX I was planning to buy a home, so I applied for a mortgage. My application was denied due to multiple derogatory accounts due to identity theft. I was completely unaware until I was notified by the mortgage company. 

After extensive research I determined that my credit was pulled XXXX times by the identity thieves between XX/XX/XXXX and XX/XX/XXXX. As of right now I know that several accounts were opened, XXXX cars were purchased, and an apartment was rented. The identity thief contacted XXXX of my existing creditors which I had open accounts with by phone and impersonating me, told them that I had moved to Florida. These creditors were XXXX XXXX, XXXX XXXX and XXXX XXXX. Each of these accounts had a XXXX balance. The identity thief then charged up each of these cards, having the merchandise delivered to the home in Florida. I have never lived in Florida. 

I have gone through the process of reporting the identity theft to each of the creditors, filed a report with the FTC, filed a local police report, completed an identity theft affidavit and contacted the credit bureaus to resolve this situation. This has been a year of fighting to get my good name back. I have been able to resolve and remove the majority of these accounts, but I have XXXX remaining collection accounts that I have been unable to have removed, which is the reason for my complaint. 

The first collection account is XXXX for the debt with XXXX XXXX. I had disputed directly with XXXX XXXX, communicated by phone and mail and they removed the debt from my credit report. I was quite surprised to then get a collection account from XXXX. The account was opened XX/XX/XXXX in the amount of {$12000.00}. I immediately contacted XXXX and was asked to send them a copy of my identity theft package, which I did. This account has yet to be removed. I have sent in multiple requests for removal of this account and they have reported that it meets FCRA requirements, which clearly it does not. 

The second collection account that I have been unable to have removed is with XXXX for XXXX Apartments. This account is for an apartment that was rented in Florida with my identity. I have request removal for identity theft several times, and have had no success. With this account, it may not even be in my name, because my name is XXXX XXXX, and the identity thief opened multiple accounts under the name XXXX XXXX. The alternate name, Florida addresses, and different employers have all shown up on my credit report.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-12
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. (FL)

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I submitted a claim with Equifax on XX/XX/XXXX it is now XX/XX/XXXX and has been more than 30 days called to try to see what was going on and didnt get a clear response according to the law they have to release to fix it or delete it.
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I just want to complain regarding on my account XXXX Paypal banned my account without any reason can '' t with withdraw my money for almost 2months now. Badly need my money I workhard to earn to sustain my needs then suddenly cant withdraw. Why is just they banned my account? this email link in my paypal XXXX XXXX
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (DE)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2021-04-26
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America allowed multiple fraudulent deposits into my account. We were the victims of this fraud. Bank of America closed our account and kept our funds. Because of this, we have been unable to open any account for a year. They also allowed XXXX, XXXX dollars to be removed from our account without being able to tell us where it went. They alleged it went to IRS. According to our tax attorney, IRS never received that money
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

I have a tenant who was trying to pay rent and wanted to pay using Chime. I opened an account and accepted payment for {$1000.00}. I tried to initiate a transfer of those funds to my bank account which I linked to my Chime account, but they stated that I was not allowed to withdraw the funds until I activated the debit card that they would send in 7 days. One day later, I got an email from Chime stating that my account was found to have been in violation of their user agreement and the account was closed effective immediately and not eligible for a refund.