davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Since XX/XX/2019, a complete package has been sent to SPS to apply to the Short Sale. From that moment on every time we call, SPS states the file is complete, there is a missing document or the submitted documents are not reflected in their system. We have confirmed emails and faxes that they received the requested documents. Essentially, they continue to play the game of we have what we need to move forward then we call the following week and they state they are missing a document which we resend. They then confirm receipt followed by another week passing and we call and they state they are missing the same document which they just confirmed receipt. 

On XX/XX/2019 the bank informed me that the Short Sale was approved and that we should wait for the approval letter. 

On XX/XX/XXXX they reported that the letter was not ready and that we should continue waiting. 

On XX/XX/XXXX, they started again requesting documents and the request XXXX with corrections, which I never understood because everything was supposedly already approved. 

On XX/XX/XXXX, SPS sent me a letter asking for documents again, some of them did not apply to my file and others had already been sent. Nonetheless all requested documents were resubmitted on XX/XX/XXXX. 

On XX/XX/XXXX, SPS stated that nothing more was needed and everything was again complete for review. However, on XX/XX/XXXX, SPS stated that I had to resend documents that they had since XX/XX/2019. 

Although there is no sale date schedule, this process with the bank is being too exhausting both mentally and physically for me and my family. The game they are playing is not right and not fair. They can't continue to tell me it's approved then state it's not, then state it's approved again. I will lose the buyer soon and need Help. Please stop this short sale Yo-Yo. If they continue this behavior, I will lose my home.
Consumer complaint received 2018-03-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (NJ)

We have been attempting to submit a loan modification package to our servicer - FCI. They are saying that the investor - XXXX XXXX XXXX - won't work with us for a modification. FCI gave us contact info for XXXX XXXX XXXX and it goes to someones personal cell phone who has no idea who I am trying to reach. When attempting to search for XXXX XXXX XXXX online, there is no records of this company. We have also tried to reach out to their attorneys, XXXX XXXX. We do not understand why not a single attempt is being made to review our modification package. We are qualified for a loan modification. We would like to be reviewed for a loan modification to help save our home.
Consumer complaint received 2022-05-02
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. (MD)

In accordance with the Fair Credit Reporting Act Source XXXX XXXX Account Number XXXX, has violated my rights. 
Per 15 U.S.C Section 602A, states I have the right to privacy.

Per 15 U.S.C Section 1681 Section 604A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account Number XXXX - Account Number XXXX, has violated my rights. 
Per 15 U.S.C Section 602A, states I have the right to privacy.

Per 15 U.S.C Section 1681 Section 604A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX-XXXX  Account Number XXXX XXXX U.S.C Section 602A , states I have the right to privacy.

15 U.S.C Section 1681 Section 604A Section XXXX, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-02
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. (IN)

XXXX XXXX XXXX XXXX XXXX a creditor may may not treat a payment on a credit card acct under an open end consumer credit plan as late for any reason. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX a i have a right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE XXXX ACCT ALL PSTED LATE PAYMENT WHICH I DID NOT HAVE. WOULD LIKE REMOVED
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Solar Mosaic LLC (CA)

Please see attached documents as well as previous statement provided : In the process of refinancing my home, it was brought to my attention by a title company handling my loan, that a lien was placed against my home on XX/XX/XXXX. 

My solar equipment was purchased, not leased, in XXXX of XXXX. Mosaic Solar Acct # XXXX # XXXX. I have made timely payments through auto pay monthly. 

I have refinanced my home twice since purchasing my solar equipment in XXXX and have never had an issue with my home title. It was brought to my attention through this current refinance, that a new lien was placed on my home for the solar in XX/XX/XXXX. They never notified me by mail, e-mail or phone call that a change in my home title was taking place. 

They notified the title company that lien subordination was required to lift the lien so that I would be able to refi. And they also indicated that they required a {$250.00} fee to lift the lien and re-subordinate. 

On XX/XX/XXXX, I asked my lender to place a 3 way call with Mosaic. They indicated that they did not provide me with any communication in XX/XX/XXXX and this was their error. I asked them release the lien on my property and waive any fees so that I would be able to refinance my home and incur any charges for a lien that should have never been placed on my home. 

I have attached the e-mail sent by the title company indicating the {$250.00} charges owed to Mosaic for the subordination as well as the e-mail from XX/XX/XXXX from the phone call placed to their offices. 

Its my desire to quickly close my refinance to preserve the low interest rate that I have locked in for my home. This has caused a time delay and an excessive fee of {$250.00} that possibly other customers have paid erroneously when owning their solar equipment and never receiving lien notification. 

Thank you, XXXX XXXX
Consumer complaint received 2020-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

I emailed navient student loan servicer about the 25 year forgiveness plan. They sent an email back saying I have only made one qualifying payment towards that plan. It clearly shows in my loan tractions I'm on auto billing and have at least made 10 payments. The navient servicer has mislead me with false info and false transactions. I'm now more than confused if I will ever pay off my student loan debt or have it forgiven even if I've made timely payments. I'm told differently my different agents all the time and given misinformation! This navient place needs to be held accountable.
Consumer complaint received 2021-03-04
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. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX
Consumer complaint received 2022-05-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (FL)

( PARAMOUNT RECOVERY SYS ) at XXXX XXXX XXXX XXXX XXXX, TXXXXXXXXX XXXX has been sending me collection notices in the amount of ( {$180.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2017-08-02
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. (AZ)

XXXX XXXX is incorrectly reporting information for Account XXXX in my name, XXXX XXXX This account relates to a mortgage that I cosigned for in XX/XX/XXXX for my mother XXXX XXXX This was a second loan ( approximately {$10000.00} originally ) on a property and was original purchase money and located in XXXX, AZ. In XX/XX/XXXX this loan went into default and the property was foreclosed on in XX/XX/XXXX. At that point in time per Arizona ant-deficiency law, we were no longer liable for any deficient amounts left after the foreclosure sale. XXXX has continued to report misinformation. Currently, this account shows a charge off on XX/XX/XXXX that is negatively affecting my credit. This mark and anything after XX/XX/XXXX should be removed as I was not liable for any amounts after XX/XX/XXXX ( and therefore not liable to receive additional negative credit ). After multiple attempts at contacting Experian and XXXX XXXX and hours of hold times with XXXX, I have not been able to resolve this on my own. XXXX XXXX has also hung up on me twice over the years trying to resolve this.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Please delete the following fraud alerts from my credit XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2024-02-27
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. (PA)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report.
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Enterprise Systems, Inc. (ID)

I was offered a settlement in full offer of XXXX dollars by national enterprise service collection agency for my account from XXXX XXXX that I paid over the course of XX/XX/2021 to XX/XX/2021. They then said to the original creditor that I defaulted and now my supposed debt is at XXXX XXXX XXXX and is almost XXXX. I need help please.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A. (TX)

This complaint letter against Citibank N.A. and this is my 2nd complaint against them and the reason is same. 
I want to refer about last complaint I made with the help of CFPB for the same reason is following ... 

Complaint ID # XXXX Date XX/XX/XXXX They responded ( I enclosed ) after the complaint I made but the same formalities I had to maintain. I called to XXXX ( XXXX ) and spoke with XXXX XXXX and settled down for 24 installments ( from XX/XX/XXXX to XX/XX/XXXX ). Settled down Autopayment from my access account to Credit card account but it didn't go thru. 


# 1 What I mentioned in my previous complaint they didn't fix it yet. 
# 2 I can not operate Simplicity Cr. Card even I can not see my account balance from my Citibank apps. They locked it since XX/XX/XXXX. ( I enclosed picture ) # 3 I can not transfer or deposit any amount from my Citibank Access account since XX/XX/XXXX. But I had full of intention to pay at least minimum monthly due ( I enclosed picture ) Citibank made the agreement with me so that every month 's installment can be transferred from Citi Access Account to Citi Simplicity Credit card ( Autopayment system ). And both time you did same mistake and what is impacted on my credit history.
Consumer complaint received 2018-03-08
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. (FL)

I have sent several letters for the account information to be reviewed for the account " XXXX XXXX ''. The account is reporting incorrectly. I've sent letters to have the account verified and Experian nor XXXX can verify the payment history on the account. If this information can not be verified according to FCRA it has to be removed. I have no other choice but to file another complaint on the matter. Please verify the payment information on the account or have it deleted. Thank you very much!
Consumer complaint received 2019-08-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (MI)

I have been trying to close my Comenity XXXX XXXX and XXXX XXXX accounts since XX/XX/XXXX. 

In XX/XX/XXXX, I agreed to pay them {$100.00} dollars by ACH a week until the debt was paid. By XX/XX/XXXX, the debt was supposed to be paid in full. They did not take the payment. Me thinking the account was settled, I receive a phone call in XX/XX/XXXX saying that I was {$160.00} dollars behind and both accounts are behind because of late fees. So again I pay another {$100.00} and they agree to close the account and the accounts still have not been closed. 

I just want my accounts closed and my XX/XX/XXXX payment refunded and the derogatory remarks removed from my credit report.
Consumer complaint received 2019-08-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Outsource Group, Inc (CO)

RE : Medi credit inc. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX , Mo XXXX Date of Service : XX/XX/XXXX to XX/XX/XXXX At XXXX XXXX XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX XXXX Co XXXX This account has been purchased by Medi Credit and they now are in 100 % control of the account. During the last 1 year since the date of service I have tried to resolve this through numerous sources. 
1-XXXX  XXXX XXXX XXXX XXXX  XXXX. Mr XXXX XXXX XXXX XXXX XXXX at hospital. 
2- XXXX ( Benefits Adviser for XXXX XXXX ) XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX Ms. XXXX XXXX Patient Advisor 3- XXXX XXXX XXXX . of Human Services ( Medicaid administrator in Colorado ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Senior account manager ) All 3 of these sources are not able what this {$1700.00} id to be credited to or what it is for? This was paid in full in early XXXX and the reversed. They do not know why? There is " No '' " Zero '' explanation of where it is allocated/credited to. I have had over 10 in-person meeting with all 3 of these administrators and they can not explain and furthermore do not believe that I owe anything after 1 year. 
Medi Credit it turns out is a collection agency that is repeatedly stating that they are working on behalf of XXXX XXXX which is simply not true. They have stated numerous times that they have resubmitted the {$1700.00} for clarification or medicaid payment which is also not true.
Consumer complaint received 2018-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MS)

I just paid OFF my XXXX XXXX XXXX Credit card on XX/XX/2018 ( with XXXX XXXX ), the account is now CLOSED. 

I'm making a request that XXXX XXXX should be notified to report my PAID OFF account status to all 3 Credit card bureaus to help improve my credit report, thanks.
Consumer complaint received 2019-08-22
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: Experian Information Solutions Inc. (TN)

Please note that the following companies ran unauthorized credit inquiry on me..They are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX, XXXX, XXXX XXXX XXXX , XXXX , XXXX , XXXX , XXXX XXXX XXXX , XXXX XXXX
Consumer complaint received 2024-02-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (NY)

In response to Selene Finance 's letter dated XX/XX/2024, allegedly Selene has paid all penalties and lase fees as well as XXXX tax payment, but this was not true. 

Selene never paid the XXXX late fee, as of today, the late fee is {$52.00}. 

Selene never paid XXXX property tax of {$2100.00} as stated in its letter dated XX/XX/2024 that the payment was sent on $ XX/XX/2024. Please see attached tax XXXX from XXXX, NJ The letter recommended me to speak with Selene but they always ignored me. I tried to communicate with XXXX XXXX, who was supposed to be the account executive for my loan at XXXX, but my request to speak with him multiple times was never answered. I am frustrated because Selene Finance illegally debited from my escrow account and not remitting the payment to the tax authority and making my loan delinquent and force me into foreclosure.
Consumer complaint received 2019-08-22
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or misleading advertising or marketing — 
Company: U.S. Auto Sales Inc. (FL)

USA AUTO SALES HAVE A REFERRAL PROGRAM WHERE WHENEVER A CUSTOMER REFER ANOTHER CUSTOMER AND THEY PURCHASE A CAR THEY SEND A CHECK FOR {$200.00} TO THE PRIMARY CUSTOMER THAT REFERS THE NEW CUSTOMER. HOWEVER THIS IS THE SECOND TIME THAT IVE HAD AN ISSUE WITH THEM ABOUT THE SITUATION. I HAVE FOLLOWED ALL PROCEDURES OF GUIDELINES OF WHAT THEY ASKED BUT YET THEY ARE LYING AND KEEP GIVING ME THE RUN AROUNDS ABOUT THE SITUATION.
Consumer complaint received 2018-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Had not used my XXXX store credit card for some time. Saw my credit report and saw account had been closed despite being open for 10 years with no late payments. Called to request it be reopened and was denied and basically was told they can close for any reason with no warning to customer.
Consumer complaint received 2018-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (WA)

I submitted a short sale packet ( complete including an offer of {$240000.00} ) and I was told the Private Investor refuses to review for loss mitigation options as they will not agree to accept a loss. I have been negotiating short sale for 7 years and have never for of a investor that will not participate, is this allowed? 

There is a foreclosure date set for XX/XX/2018 that we are trying to get postponed to allow for short sale consideration
Consumer complaint received 2018-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (CA)

Harris & Harris debt collection ( phone XXXX ) has called me repeatedly for several months over a debt apparently owed by someone named XXXX XXXX or XXXX. I have never heard of this person, I have no idea what this could be related to, and this number has been used solely by me for nearly 26 years. I have spoken to Harris & Harris THREE TIMES. Each time the person on the line tells me about XXXX XXXX, I say I don't know who that is, they say alright, your name has been removed from the list - and - shortly after that the harrassing calls begin again. The last time I spoke to them the woman argued with me and claimed it was the first time they'd heard from me. She said she'd removed my name from the list. I asked that a supervisor be informed of what happened so the company would know that something was not working and innocent people were being harrassed, and she just kept repeating that my name had been removed, and would not give me a response to my request that a supervisor be informed, saying that I could report them to whoever I liked. Really this is ridiculous. I hope you can help hold these people accountable. Thank you.
Consumer complaint received 2021-03-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (CA)

Upstart is violating the terms of the Promissory Note when it comes to the application of partial prepayments. I made a partial prepayment and, per the terms of the legal documentation, it should 100 % be applied to principal. However, the company is first applying the partial prepayment to accrued interest and then principal. This is a violation of section 9 of the executed legal documentation. The company is insisting it follows section 2 detailing how payments are applied. Since this is a partial prepayment, terms in Section 9 apply and thus, 100 % of the partial prepayment should be applied to principal prepayment. Upstart refuses to adjust the accounting of my account.