davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I do not owe XXXX for the mortgage on my credit. My mortgage is released ( see enclosed ). I have never been late or delinquent in any way. Please remove the item pending a thorough investigation. 

XXXX XXXX XXXX XXXX inaccurate
Consumer complaint received 2020-10-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I sent letters out over 30 days ago certified mail, I have not been notified, as a regular human being I feel like these clowns are taking advantage of normal people like myself
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I submitted a letter to the XXXX Credit Bureaus last XXXX XXXX XXXX  requesting the investigation, verification and update of these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XXXX XXXX XXXX and I'm including it again. The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$1900.00}, must be updated to reflect accurate information on my Credit File.
Consumer complaint received 2022-10-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Selene Holdings LLC (NJ)

Hello CFPB I am submitting this complaint and seeking your assistance to prohibit Selene Finance from foreclosing on my home located at XXXX XXXX XXXX, XXXX  XXXX, XXXX NC XXXX ; loan # XXXX. My XXXX XXXX mortgage was previously held by XXXX then sold to XXXX ( peer company to XXXX ) and then sold to Selene. XXXX refused to honor the protocols allowed to XXXX XXXX  backed mortgages and stonewalled me with various excuses and insisting I refinance the loan. When Selene took over as the mortgage servicer I was told the loan was not backed by XXXX XXXX and refuses to provide information regarding who currently owns the loan. 

On XX/XX/2022 I submitted an the Borrower Assistance Program application, followed by weeks on being advised that Selene had not received my application. As it turns out the issue was that Selene would not access the link provided in the email which contained the digital forms. Thereafter it was multiple requests for additional documentation, repeat documentation, signed documentation. Resulting in my application being cancelled on XX/XX/2022 and my home going into foreclosure status. I've been advised by Selene that my home is in the foreclosure process but that my request for assistance is under consideration, however that the foreclosure process continues underway which is going to result in Selene selling my home. I have requested Selene to do the research on the loan as it was previously backed by XXXX XXXX  and since the request for assistance started during the Covid109 Pandemic that allowed payments to be suspended. To date Selene has and will not provide information on that topic. 

I'm requesting your assistance in putting a stop to the foreclosure process on my loan XXXX / home while my request for assistance is reviewed and hopefully approved. I also want assistance in requiring Selene to acknowledge this is a XXXX XXXX backed loan and therefore eligible for all options for repayment / modification.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

they failed to Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about to my credit report are and they and your office is responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider. this has caused me to lose out on a FHA loan and I had to pay a higher fee to live in my apt . IM a victim of fraud, and my wife we cant keep paying high rent when owing a home is cheaper. we have filed complaints after complaints with your office and the ftc and with the credit with XXXX, XXXX, TransUnion, and with the creditors them self, the investigation doesnt resolve the dispute with the credit reporting company or the creditors they are blaming covid-19 in this time loss were told your office allowed this, we have sent email been on the phone for over 180 hrs trying to resolved this matter. FHA Resource Center, XXXX : XXXX complaint and the as you can see with all the complaint 's with your office we got no were, your office wouldn't call me back don't care in this matter my next step is to fw this letter to the AgA office,
Consumer complaint received 2021-04-01
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: AMERICAN EXPRESS COMPANY (HI)

Last XXXX or XXXX I was browsing through the Offers list for my American Express card and saw an offer for a XXXX music subscription deal where you would get a {$9.00} account credit for a {$9.00} XXXX purchase. I activated the offer and clicked the link. They asked for and required my XXXX account information for the subscription and I made the {$9.00} XXXX purchase. On XX/XX/XXXX my AmEx card was charged {$10.00}, which is the {$9.00} plus tax. I called them on XX/XX/XXXX because the credit had not been made to my account. I disputed the charge because I had not received the account credit as clearly promised in the offer specifications. They denied the dispute. I contacted their customer support service via chat on XX/XX/XXXX and XXXX complaining about the false advertising nature of this offer. They offered to investigate and said that I should check back with them or look for an account credit. It never came. This charge is being disputed be cause it is the sole reason why I signed up for XXXX and I clicked their link and followed the instructions. They are trying to find every excuse to not execute this offer as promised and I am NOT AMUSED! 

I have complained twice to the XXXX XXXX XXXX and they have given the same run around. I am EXTREMELY DISAPPOINTED and shocked at how this company has treated me about an otherwise trivial issue where their advertisement was clearly misleading. The only thing you can buy on XXXX is a monthly service subscription charge!!!!!!
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (KY)

Some one opened a Checking account with Wells Fargo under my previous married name. I was able to get into the account, change the password and contact Wells Fargo and report it as fraud. I received the debit card in my mail last date, which worries me that the subject may be someone I know and will be coming by my house to retrieve the debit card. User name used to open the account is XXXX. So far Wells Fargo has taken the steps to correct the situation.
Consumer complaint received 2021-04-01
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. (AR)

XXXX XXXX XXXX fraudulent reporting my credit card account 30 days past late for XXXX ; the account was never late, I have my credit card with XXXX XXXX XXXX set up on direct payment electronic through my bank : ending in XXXX for the past few years. I was under the impression that XXXX XXXX XXXX had drafted my payment, but instead reported to credit bureaus that my account was past due for the month of XX/XX/2021 was 30 days past due. This is fraudulent and they need to remove this fraudulent activity from my credit file. After speaking with XXXX XXXX XXXX they agree to remove from my credit file, but its still showing up as 30 days past due for the month of XX/XX/2021 ; the XXXX XXXX XXXX representative told me they were reporting falsely because the program ended in XX/XX/2021 : XXXX XXXX XXXX is practicing fraudulent activities to gain money from customers that is not owed for late fees, as well reporting false information to credit bureaus and I want this removed from my credit file immediately. XXXX XXXX XXXX have totally excess to my banking institutions and authorized to withdraw any funds or payments due on my credit card product with them. This needs to be invested and adjusted. XXXX XXXX XXXX had agreement to remove this fraudulent late 30 days from my credit file but refusing to do so.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

As per the updated screen there are no lates that should be reported on this account. This account needs to reflect on the times days late 30/60/90 should show ZERO LATES. It is currently reflecting Worst payment status 0 days. It has been 100 % on time payments
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (AR)

Discovery financial services fraudulent reporting my credit card account 30 days past late for XX/XX/2021 ; the account was never late, I have my credit card with discovery financial services set up on direct payment electronic through my bank : ending in XXXX for the past few years. I was under the impression that discovery financial services had drafted my payment, but instead reported to credit bureaus that my account was past due for the month of XX/XX/2021 was 30 days past due. This is fraudulent and they need to remove this fraudulent activity from my credit file. After speaking with discovery financial services they agree to remove from my credit file, but its still showing up as 30 days past due for the month of XX/XX/2021 ; the discovery financial services representative told me they were reporting falsely because the program ended in XX/XX/2021 : discovery financial services is practicing fraudulent activities to gain money from customers that is not owed for late fees, as well reporting false information to credit bureaus and I want this removed from my credit file immediately. Discovery financial services have totally excess to my banking institutions and authorized to withdraw any funds or payments due on my credit card product with them. This needs to be invested and adjusted. Discovery financial services had agreement to remove this fraudulent late 30 days from my credit file but refusing to do so.
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

When I refinanced my loan, AmeriSave mortgage impounded my property tax and insurance when I specifically opted not to have it impounded. 

Ive made no less than 20 calls in the past 3 months trying to get the impound removed.

Theyve continued to promise resolution including sending me a letter confirming the impound will be removed, but it has yet to happen.

Ive continued to paid the mortgage loan and impound amount to escrow for the last three months and the issue still continues.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NV)

I just dont understand how when I deposit money into my accounts, then it will slowly and surely disappear, and when I call Wells Fargo Bank Customer Service XXXX XXXX, inquiring about it, they really have no explanations of what happened to my money, where at times it does put me into overdrafts with occurring fees.
Consumer complaint received 2021-07-02
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)

If you look back I have filed numerous complaints about the same issue. They just closed the recent one and always respond they will resolve the issue. Then respond they will respond within 60 days. They are constantly violating the FCRA law. I suppose to have a resolution within 30 days. I have been requesting method of verification since XXXX for XXXX XXXX. They even deleted it off my report and then added it back 6 days later and never sent any method or proof of verification. I have attached the prrof they deleted and added it back.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I do not have any documents with my signature with any of this companies.
Consumer complaint received 2019-02-23
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: Innovis (GA)

I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove these items, any none account holding inquiries and any address other than my current address to prevent any further damage to my credit report.After you have remove items please send me copy of updated report. 
An FTC had been filed and a police report will be filed. 
Thank you.
Consumer complaint received 2021-04-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (TX)

On XX/XX/2020, Phoenix Financial Service added a derogatory mark on my credit report. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection, Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA, Phoenix Financial Service has violated my rights as a consumer and I'm requesting legal action to remove this account immediately from all credit bureaus.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (ME)

Discover card is invalid I was on during marriage. Other spouse took full responsibility for debt in our signed divorce agreement. I called discover card 1 year ago and they were not helpful at all. They were informed by myself and ex spouse by law I should not be tied to ex spouse debt
Consumer complaint received 2019-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

My loan was paid in full on XX/XX/2019. An additional payment was deducted from my checking account in the amount of {$1800.00} on XX/XX/2019. As of today, XX/XX/2019, I have not had a refund issued for my overpayment. I have tried calling several times, and each time the service advisor gives me a different answer on how long it will be until I get my money back. Now, they are saying it could be up to 60 days. I just want my overpayment refunded.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SUNTRUST BANKS, INC. (GA)

I applied for a Credit Card with SunTrust Bank on XX/XX/2019 and Them was sent a letter on XX/XX/2019 saying they could not approve my card because they could not verify my address on XXXX. 
I have lived at this address for over 5 years and my equifax has my address listed also. I have a provided a copy of my Drivers License. 

SunTrust never requested further documentation from me to provide any type of verification that just denied me. 
Now that I have provided verification I would like my application processed. I would like details on Suntrust process and procedures according to federal laws on how they review and process credit card applications. I hope I am not being discriminated against because of my address
Consumer complaint received 2019-02-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION (GA)

Issue : Unlawful charging of Interest Mortgage : BB & T {$140.00}. on XX/XX//2019 We called and were transferred 6 different time. Finally got a manager not he phone and was told now I needed to call into a local branch which was already done with no resolution.
Consumer complaint received 2019-10-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

In XX/XX/XXXX, I provided Freedom Mortgage Company notice that, as a military XXXX, I was being called to XXXX XXXX. I began several consecutive periods of XXXX XXXX service in late XX/XX/XXXX, and I am still on XXXX XXXX orders into XX/XX/XXXX. 
I provide copies of my XXXX XXXX orders to Freedom Mortgage in mid-XXXX and requested protection under the SCRA and pursuant to the California Military Families Financial Relief Act ( CMFFRA ), California Military and Veterans Code 800. 
I provided a formal written request to defer my mortgage obligation for the 180 days under the CMFFRA unless Freedom Mortgage was willing to defer my financial obligation for the duration of my military duty ( through XX/XX/XXXX ). 
In XXXX or XX/XX/XXXX, they acknowledged receipt of my orders but did not timely respond to me request for deferment. 
Since this complaint covers over a year of time, I will try to summarize. 
On or around XXXX of XXXX, I was told that my deferment request would be granted. 
On or around XX/XX/XXXX, I was told over the phone that Freedom Mortgage would grant my  deferment through XX/XX/XXXX, or for a full 12 months, I just had to provide a copy of my orders, which I already had done. 
Per the CMFFRA, I was to pay my monthly impound account, while my principal and interest would be deferred, and the length of my mortgage would be extend by the length of the deferment once the deferment period ended. 
I paid my impound account for the past year in good faith. 
Despite this, over the past year plus, Freedom Mortgage has repeatedly submitted detrimental credit reports to the credit agencies, charged fines on my account, charged other fees on my account, sent correspondence saying I am past due, sent correspondence saying I am in default, harassed me when I called in to inquire on the status of my requests, etc. 
Today, XX/XX/XXXX, since the understood deferment was scheduled to end on XX/XX/XXXX, I called Freedom Mortgage to make a full normal mortgage payment. They refused to take my payment and said I was due for the full amount of the past year 's mortgage payments. 
I believe Freedom Mortgage 's actions are in bad faith, violate the CMFFRA, as well as the SCRA. I  request they either : extend my loan by the 12 months as previously agreed, and bring my account current, and remove all fines and fees, and remove any and all adverse credit reports from the credit reporting agencies ; OR, forgive my loan. 
I have paid each month 's impound account as agreed, and tried to resume full payments in a timely manner as anticipated ; it shouldn't be this hard to pay a mortgage. Freedom Mortgage should not be acting in bad faith when servicing the mortgages of service members who have other more pressing concerns on their plates.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (TX)

I started using XXXX  XXXX XXXX to help in the repair of my credit in XX/XX/2017 at the cost of {$110.00} per month due on the XXXX of each month. Since then they have sent out letters to creditors and credit reporting companies and even had several items removed from my credit report, however my credit score has not reached what I have wanted it to in the time I have wanted it to.
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 morning, after noticing two ( 2 ) unauthorized XXXX transfers from my business checking account for an entity that I have no knowledge of, I called Bank of America to file for fraud claim while the transactions were still pending. I was told by the fraud specialist ( after almost 2 hours of wait time ) that I needed to file a claim so that an XXXXnvestigator will handle the case. I joined Bank of America because it claims that business checking account have zero fraud liability. I filed the claim on the same day for two unauthorized XXXX transaction total to {$13000.00}. I waited for 30 days to call back to file out the status today XX/XX/2021 and I was told by a Bank of America specialist that my claimed was denied. Bank of American chose to not honor their policy of protecting its client. As I stated to the fraud team, I have never done business with the entity that received the transfer. I have no knowledge of the entity that received the transfer. To date, I still have not received any documents from Bank of America. It seems that Bank of America refuses to honor their responsibility in this matter. I business have sufferer greatly because Bank of America 's failure to protect my account and refusing to rectify the situation.