davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TN)

I am a victim of hurricane Ian. My mortgage company received my flood insurance money since I still had an outstanding mortgage. My mortgage was paid off on XX/XX/2023. I was originally told that I would receive the balance of the flood insurance money immediately, then I was told it would take 7 days for me to receive the money, then I was told that it would be 15 to 30 days before my flood insurance money would be sent to me. I have repeatedly called and was transferred to different departments only to be told this last time that it's definitely 15 days before I receive my money. Now yesterday, XX/XX/2023, when I called I was told the check went out on the XX/XX/2023, and that normally it's 7 to 20 days. The mortgage company that I had was Specialized Loan Servicing. You can imagine my frustration when not receiving the funds which are due to me, which should have been relinquished to me immediately following the sale and closing of my home. Specialized Loan Servicing didn't even want to send the check balance to me overnight they insisted that they will only mail the check.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

Refuse to to remove negative information off my report first off its paid for second they are not updating fast enough and I keep getting denied. Its harming my way of life and movement. Its keeping me stuck
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4.00} XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$1700.00}
Consumer complaint received 2019-03-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I contact Wells Fargo Mortgage Modification department on XX/XX/2019 to request assistance due to hardship experienced by my family ( separation ; loss of employment ; medical health scare ; loss of my newborn grandson ). I was instructed to submit documentation through the portal. During the process I was informed I needed to include my estranged husband on the loan modification ( due to our existing status, he is currently not available to me ). I was then informed that we could eliminate the need for him to submit documents by providing a Quit Claim Deed. I finally had someone contact him and got the Quit Claim Deed signed and recorded. I noticed online that they were still requesting a Separation Agreement. During this process I continued to send emails to XXXX XXXX to advise of each step that I had taken to get the documents to her. I also requested that she acknowledge receipt of my communications and documents. I contacted Wells Fargo via telephone and was informed that I would require either the Quit Claim Deed OR the Separation Agreement. I was specifically informed that I did not need both via telephone conversation on XXXX when I called to report I had attached Deed. Today I called Wells Fargo and was informed that my case was being closed ( although the deadline to submit this Divorce Decree requested by Wells Fargo is XX/XX/2019 ). Wells Fargo did not provide a good faith effort to do a Loan Modification. I can pay the mortgage, I just need assistance with the arrears. 
Initial Contact ( Ms. XXXX " XXXX '' ) XX/XX/19 ; Documents uploaded onto portal XX/XX/XXXX ; Email from XXXX XX/XX/XXXX requesting additional documents ; Email to XXXX   attaching W2 and advising re Divorce Decree request ( no response back from XXXX   ) ; Email to XXXX XX/XX/XXXX advising husband willing to sign Deed and requesting an acknowledgement from XXXX of my communication ( no response ) ; Email XXXX attaching executed Deed and requesting acknowledgement of document and whether other documents are required ( no response ) ; email XX/XX/XXXX forwarding time-stamped copy.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XX/XX/2020
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

XX/XX/XXXX- Received an alert from XXXX I C System Inc account added for unpaid XXXX  debt XXXX - Called I C System Inc to get more detail on the debt as this debt was in collections in 2019 with another agency and was settled and removed from my credit report. 

The rep for I C System confirmed that correspondence was mailed to the wrong address. I asked the rep to removed this from my credit report as I have 30 days to reply to I C System regarding the debt. The rep refused to move this from credit report. I asked rep when would correspondence be mailed to the correct address - the rep could NOT advise me on the date.
Consumer complaint received 2018-02-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent in letters to request these negative items be removed from my credit report permanently on XX/XX/17 and have not received a response regarding the validation of items I requested. It has been months and still nothing. This is illegal and I demand that these items be immediately removed from my credit profile permanently.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PROSPERITY BANCSHARES, INC. (TX)

We are banking with Prosperity Bank in Texas. They have continually closed our card or flagged it as fraud for using it in the XXXX. We are currently in XXXX and they have started doing this here. Before leaving to XXXX I worked with the bank to confirm that we were going to be in XXXX and had them add a note. 

Most recently they did this last week around XX/XX/XXXX. We made a purchase and the online banking site was restricted to us. We could still use the debit card, but we could not access the our account online. We called support and they said that they could not do anything and that we would have to call the branch we work with, since a specific person there was the one that suspended our account and only they could undo it. 

We contacted the branch and they continually said that person was not there or had left for the day. We eventually got in touch with the manager and she was able to work with someone, pretty quick, to unlock the account. It was not horrible because at least we could still use our debit card at ATM 's to make withdraws. They re-added the note saying that we would be making purchases in XXXX. 

XX/XX/2021 We found that we were locked out of the account again. We called the bank and the Teller told us that they could not do anything about it because of a note on the account to contact the manager. We contacted the manager, but kept getting a message that she was not available and to leave a message. We called the bank again and they said that they could call us back and that the manager would call us back, but neither ever did. 

XX/XX/2021 We called the manager in the morning and received the same message, she was not available. We called the branch and they said that they could not do anything and could not disclose anything about the account, except for some messages that list possible fraud. The person at the bank said that he was communicating with the manager and said that they are working on the issue, but the issue goes higher up than herself. They said that they would notify us when the issue was resolved. 

We were not able to get any answers and the issue was not resolved. Our money is being held by the bank and they will not release it to us or allow us to access our money. We are currently in XXXX, with about {$25.00} on us. We are online teachers that get paid through XXXX and that money is also not being allowed to our account. At the moment we are stuck without money or answer and XXXX year old XXXX  child. We are needing access to our account and are not being given any answers. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (WV)

In XX/XX/2018 attempted to withdraw {$100.00} from a XXXX XXXX XXXX ATM. It did not dispense the money. XXXX XXXX XXXX referred me to MY bank 5th 3rd who put the {$100.00} back in my DDA only to withdraw it a few weeks later because XXXX XXXX XXXX replied to their inquiry by stating the ATM dispensed the money that day. 

That was a lie and XXXX XXXX XXXX apologized to me after they investigated my claim further upon receiving a CEO Line Complaint from me. They have tried twice to deposit the money back in my 5th 3rd DDA and each time myself or my wife has asked about it - 5th 3rd has been rude, dismissive and uncooperative. 

The latest incident of disparate treatment occurred THU XX/XX/2018 when myself and a XXXX XXXX XXXX employee via a 3 way call desperately tried to explain the situation to a 5th 3rd SUPERVISOR who was rude, arrogant, unhelpful, dismissive, condescending, and she accused myself, a 5th 3rd client for many, many years, of lying. UNACCEPTABLE. 

The Supervisor was given the dates of the two attempts where XXXX XXXX XXXX attempted to credit my DDA and she simply stated " I don't see them '' and that was it. no effort on her part to locate the now {$200.00} XXXX XXXX XXXX has spent trying to give me back the {$100.00} I am due. Outrageous. The dates are XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Consolidated Credit Solutions, Inc. (CA)

I got a phone call from XXXX saying that they could connect me with a credit service to consolidate my debt. They connected me with a man named XXXX who said he's with a company called Consolidated Credit which I looked up and looked legit. He asked me a series of personal questions and I gave him my social security number because everything seemed legitimate and he said he could help me. Now I am very concerned that he may have stolen my information as he said he would call me back but never did.
Consumer complaint received 2022-01-10
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. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2021-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

I called PHH mortgage today at XXXX CST by dialing XXXX. I was routed to an individual in the insurance department. She answered my questions regarding an escrow balance which she answered just fine. A couple of minutes after I hung up the phone, I received a call back from her. I immediately recognized her voice. She said that she was calling from the PHH insurance department, asked to verify my address and last four digits of my social, which I provided. As soon as I had done that, she hung up. 

This struck me as odd. The call disconnected right after I provided personal info. I tried calling her back at the same number she called me from ( XXXX ) and it turned out that the number is not functional. I googled that number and it seems that phone number is associated with an identity theft ring. 

I am concerned that a PHH employee is utilizing firm resources to gain access to clients ' info. I am concerned that my information was just compromised. 

I would like for someone at PHH to pull my call, research this situation, and get back to me ASAP with a resolution. 

I called PHH twice and asked to speak to a supervisor. On both occasions, my call was disconnected after a long wait. Im concerned that PHH has weak controls and is not concerned with protecting my personal info.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I called in to American Express to have my account closed and it never was. I have now been charged {$120.00} for 3 years which I would like refunded which is a total of {$370.00}.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My personal information was stolen in XXXX out my car. My car was broken into XXXX in XXXX North Carolina XXXX I have sent a copy of my police report to Trans union, XXXX and XXXX with a copy of my licenses and proof of address. I was recently checking my credit report since I just recently got back from XXXX I am XXXX XXXX military soon to be a veteran. I have noticed opened accounts that are fraudulent because I didn't open them that are on my credit report.. Also there are fraudulent addresses ( XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XXXX being reported and incorrect names that I do not recognize and believe to be fraudulent. This is a list of the accounts that were opened fraudulently in my name 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.. Please delete all Fraudulent information from my credit report.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.
Consumer complaint received 2022-11-16
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. (FL)

I send a reinvestigation letter to XXXX, Equifax, and XXXX XXXX XXXX  XXXX XXXX account on my credit profile. I also complained to CFPB about the inaccuracy and damages that these credit reporting agencies have done to my credit report. The response I received from Equifax, XXXX, and XXXX was that the inaccuracy on my credit report was verified. I was not given any information on how this inaccurate reporting is verified, and what was investigation methods used to verify the information. I am still left with my credit hurting with inaccurate information. Down below you will find the letters I have received from Equifax and XXXX. XXXX did not respond to the investigation which is a violation of the company have 30 days to respond and they failed to do. Also, I included the next set of letters mailed out to the credit agencies below requesting some answers and accountability and deleting the account.
Consumer complaint received 2021-10-26
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)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX  XXXX XX/XX/XXXX $ {$4000.00} XXXX/XXXX  XX/XX/XXXX {$1700.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX  XX/XX/XXXX {$230.00} XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} Hard Inquiries XXXX  XXXX  XX/XX/XXXX
Consumer complaint received 2020-11-05
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: Experian Information Solutions Inc. (NY)

XXXX, XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

account incorrect Last Payment made, also incorrect balance amount I request to remove this account from my credit report. experian credit bureau does Not help me to solve this problem I called experian credit bureau more than 5 times without clear explanation from customer services representative about wrong balance and last wrong payment made, experian credit bureau does not corporate with me.