davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NH)

I purchased my home back in XXXX and was in paying the person I bought my home from and in XXXX took a mortgage out with XXXX XXXX and then I took out a second for my kids college and to redo my kitchen, when they went under this other Company called SPS select portfolio servicing took over they told me to pay them and I was until the pandemic hit and they called and told to not worry about paying each month on time and had me on a forbearance. I was still able to pay my secondary payment and then my first mortgage payments went up from {$1200.00} to XXXX then XXXX then XXXX they have my payments up and down and now since about 8 months now are not accepting my first mortgage payments but only my second. I received a letter from and their attorneys that they want to foreclose on my house. I am in the works with XXXX XXXX XXXX out of California to help me with this deception of SPS. SPS will not work with me in reducing my rate from XXXX to the rate that is out there right now. They would rather foreclose and get the high value that my house has earned now. I need help to save my home which i have little grandchildren living with me and the work I have put into this home
Consumer complaint received 2019-05-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (CA)

My husband and I refinanced our home through XXXX XXXX. Funding occurred on XX/XX/XXXX. Funds were wired to XXXX ( 1st mortgage ) and XXXX XXXX XXXX XXXX ( 2nd mortgage ) on XX/XX/XXXX. 

Despite the fact that I provided XXXX XXXX a copy of the letter that my loan with XXXX was being service transferred to Fay Servicing on XX/XX/XXXX, the funds to satisfy the loan were sent to XXXX  on XX/XX/XXXX. As of today, Fay Servicing has not received the funds and show the loan due for XX/XX/XXXX. 

I have been going back and forth with both lenders since XX/XX/XXXX with no resolution ( XXXX calls on XX/XX/XXXX spoke with XXXX, XX/XX/XXXX spoke with XXXX, XX/XX/XXXX spoke with XXXX, who didn't even know her own phone number and also said she had escalated the call and that I should receive a call back in 2 hours. It has been 2 1/2 days ) ( Fay calls  XX/XX/XXXX XXXX, XX/XX/XXXX didn't write down the man 's name that I spoke with but he was RUDE, MEAN, VERBALLY ABUSIVE and hung up the phone on me, XX/XX/XXXX XXXX who wasn't much nicer but at least he didn't hangup on me, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX ). I have tried everything possible to get this situation resolved with numerous phone calls and hours on the phone. In fact the people at Fay have been VERY VERY MEAN to me. Both companies have caused me tears, anger and frustration Despite having proof of the wire that was sent to my previous lender XXXX, I have nothing that says the money was forwarded to Fay despite the fact that XXXX claims they mailed me a letter stating the same on XX/XX/XXXX. 

I have been verbally abused, brought tears, told that the matter has been escalated, promised calls and emails and here I sit filing a complaint because my loan still shows unpaid and due for XX/XX/XXXX. 

I need to know where my money is. Someone has it but absolutely no one wants to help me find it. And so help me XXXX, if my credit is ruined because of this, I will sue all three companies involved for negligence. 

I am already considering legal action for the pain and suffering that this whole situation has caused me. How can these companies remain in business when they treat their customers like this??? 

XXXX ( loan # XXXX ) and Fay Servicing ( loan # XXXX ) Please help me find my money. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

I have been locked out of my online about for two months. There is a restriction put on the account for reasons that the company somehow is not able to tell me. I've called nearly every day for well over a month but every time I call and put it in my information I hear an automated message that says " Due to unforeseen circumstances we are unable to assist you '' and then the line hangs up. After calling for well over a month I finally was able to bypass this message by NOT inputting my information ( making me believe there is a note on my account to reject my calls when my information is put in ). After waiting on hold for a few hours, I finally speak to someone and attempt to get my issue resolved. I am promptly told I need to speak to a different department who is " not in '' even though I call well within their business hours. After many difficulties, I am finally able to speak to someone who tells me I MUST fax over essentially my identity to get the restriction lifted. I do so within minutes of hanging up. I never hear back. I call again, bypass the message and speak to someone. After even more difficulties and threatening to file another complaint with the XXXX, I am finally told the issue is resolved and the restriction will be lifted within 48 hours. It has now been four days since I was told this but I am still UNABLE to log in. I have now missed two payments ( nearing on three ) because I am unable to access my account and pay my bill. I attempted to pay over the phone but was told I am not allowed because of the restrictions. I am being charged interest every month and my credit score is taking a hit with every missed payment ( I have NEVER missed a payment on any account before this ). I have tried every avenue of getting this issue resolved and it seems that Barclay 's simply refuses to lift the restrictions on my account. I need this resolved ASAP.
Consumer complaint received 2022-04-05
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. (IL)

In accordance with the fair Credit Reporting act XXXX XXXX Bank 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.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

My credit scores are affected by the inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit status, but I have taken steps to correct prior credit issues. The inaccuracies make it difficult to obtain new credit. Please help me resolve this matter.
Consumer complaint received 2020-09-19
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: EQUIFAX, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown 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 taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to bring to your attention a matter of significant concern regarding fraudulent account reporting on my credit report. As per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I am entitled to accurate and up-to-date information in my credit report, and I believe that this fundamental right has been compromised due to fraudulent activity. 

Upon reviewing my credit report, I discovered an account that I did not authorize or open. The account in question appears to be associated with [ Name of Creditor/Lender ], and the reported balance and payment history do not align with any accounts that I have opened or used. 

I must emphasize that I have not initiated any transactions with [ Name of Creditor/Lender ], nor have I provided consent for the opening of such an account. Therefore, I firmly believe that this account is a result of identity theft or fraudulent activity. 

In accordance with 15 U.S. Code 1681q, it is unlawful to obtain consumer reports under false pretenses or without a permissible purpose. Given the circumstances, I urge you to investigate this matter promptly and take appropriate action to rectify the fraudulent account reporting on my credit report. 

I kindly request that you : Conduct a thorough investigation into the origin of the fraudulent account and the circumstances surrounding its inclusion in my credit report. 
Remove the fraudulent account from my credit report immediately to prevent further damage to my creditworthiness. 
Provide me with written confirmation of the actions taken to address this issue and any relevant updates regarding the investigation.
Consumer complaint received 2024-02-24
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. (TX)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the Correction Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX Balance Owed : {$6600.00}
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

AUTOMATED ACCOUNTS MANAGEMENT Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX remove the ftc violaitons
Consumer complaint received 2020-06-02
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$960.00} XXXX XXXX {$190.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00}
Consumer complaint received 2023-01-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I sent letters to Experian XXXX and XXXX disputing accounts that are in collections on my credit report. It's been over 30 days and I have not received anything in the mail pertaining to the investigation of these accounts. In the comments section suppose to specify that accounts are in dispute. I didn't receive the investigation report.

According to 15 USC 1681 i ( a ) ( 1 ) ( A ) Experian XXXX and XXXX has 30 days to respond to my dispute. Not responding is a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-31
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

i would like for XXXX XXXX XXXX XXXX XXXX and santander consumer usaa to have credit bureaus to remove those accounts in my name from the credit reports. i have already been through this with the nc doj and XXXX as well to resolve this stuff but to no avail. santander nor XXXX XXXX are allowed to contact me by any means
Consumer complaint received 2020-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.
Consumer complaint received 2020-09-19
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. (MS)

Im suffering from identity theft and have been trying to correct it for a while. I sent over all required documents to Transunion about 30 days ago. They haven't removed any of the fraudulent items I requested.
Consumer complaint received 2020-05-18
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)

EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS MOREOVER THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS
Consumer complaint received 2021-07-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PLAZA HOME MORTGAGE, INC. (CT)

My spouse and I purchased a condo on XX/XX/2021. The original lender was Plaza Mortgage ( serviced by XXXX. ). Plaza Mortgage is the company we are in dispute with at this time. The dispute is due to the fact that on XX/XX/2021 Plaza mortgage notified us by mail ( Please see attached ) that the loan was transferred as of XXXX to a new lender, XXXX XXXX XXXX XXXX XXXX ( serviced by XXXX, ) - and where we were to send our next payment due XX/XX/2021. On XX/XX/XXXX, we made the XX/XX/XXXX payment electronically, to XXXX XXXX as instructed. On XX/XX/2021 I we received the first " Delinquent Notice, " from Plaza Mortgage. We immediately called Plaza Mortgage, and were reassured the error would be corrected. On XX/XX/2021 we received a second notice - a Delinquency notice, again from Plaza Mortgage. We called Plaza Mortgage yet again, spoke to a Supervisor within Plaza Mortgage and were reassured the problem would be fixed. On XX/XX/XXXX, we received notice the property was now in Default.
Consumer complaint received 2017-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (MS)

In XXXX of 2017 I received a Kroger credit card from US Bank that was suppose to provide a XXXX XXXX fuel credit once you use XXXX fuel points for the 1st year. After my 1st statement I noticed I was not receiving this reward after using XXXX fuel points many times. So I contacted the bank and they indicated I did not have this reward associated with my card. So I sent them all the information and the bank sent me a response on XX/XX/XXXX indicating my account would receive the described fuel discount for the 12 months from the date of account opening. I noticed I still did not receive the credit and asked the store - they told me to contact the bank. I contacted Kroger again and the bank again and the bank said I did not get this reward AGAIN. Kroger just emailed me and indicated I have to put in a number on the back of the card - WHICH IS NOT IN WRITING ANYWHERE. So needless to say I did not get this benefit for 5 months.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. 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 2022-02-02
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. (MI)

I came to file a FTC complaint of inquiries that I do not recognize and it redirected me here to file a complaint. I am submitting a complaint of inquires from unknown sources. I can not identify these inquires made nor did I authorize them so I believe I am a victim of identity theft. I would like these inquires removed from my credit report with investigation on who made them. 

XXXX XXXX - Equifax - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX - Equifax - XX/XX/XXXX
Consumer complaint received 2018-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CT)

Cavalry Portfolio Service, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of { {$540.00} } with XXXX, XXXX  and XXXX credit report agencies. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) I requested Cavalry Portfolio Service provide me with validation of the debt and account ( see attached ) ... on several different attempts by USPS Certified Mail/Return Receipt as a bill is not validation. ( see attached ) Cavalry Portfolio Services sent a letter to me dated XX/XX/XXXX attaching a copy of an old billing statement. I have made several attempts to contact the credit reporting agencies on ( XX/XX/XXXX,XX/XX/XXXX ) XXXX, ( XX/XX/XXXX,XX/XX/XXXX ) XXXX, ( XX/XX/XXXX,XX/XX/XXXX ) XXXX and each agency refuses to remove ... indicating Cavalry refuses. I would like this company Cavalry Portfolio Service to remove/delete the negative report against my SSN with all credit reporting agencies in regards to the laws and regulations of the FCRA. I should not be obligated to pay for the alleged debt. Thank you in advance.
Consumer complaint received 2020-05-18
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. (OH)

I was a victim of ID theft and I am trying to protect my credit file because of a unauthorized access to my credit. I found new accounts that have never appeared before on from the following copmanies : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX . PLEASE DELETE THE ABOVE UNVERIFIED ACCOUNTS. I am disputing them again under 611, 623, 609 FCRA.
Consumer complaint received 2020-01-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (FL)

I had a vehicle financed with BMW financial services that was not covered by gap insurance for a small amount of {$3100.00} after a bad auto accident. I understand that a small balance accrued and wasn't covered by gap but this has affected my credit score a lot. I now have a new high interest rate loan with a vehicle and have gotten 10x better at managing my credit. Id like this removed from my history please.