davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

We have tried numerous times to acquire assistance from SPS and they continue to inform us theres no options that can assist us. Before we became this far behind, their letter indicated we can contact our loan representative to discuss deferment. We contacted our representative and discussed and submitted all the documents requested. Within 30 days the response was due to the account is past due four months we are unable to defer past due payment. However, when we initiated contacted with our loan representative we were only three payments behind. The SPS letter stated three payments or less can be deferred. We need emergency assistance since they have turned our account over for legal action. Our account was with XXXX and they sold it to SPS latter part of XXXX which they are a collection company without notifying us. We didnt fall behind on our mortgage until XXXX and that was due to a list of one income. We prayers is to keep our home. Thank you for your assistance. 

Sincerely,
Consumer complaint received 2017-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  Transunion Re : Request to Remove Unauthorized Credit Inquiry Dear Transunion, I recently received a copy of my Transunion credit report and I notice there is an unauthorized credit inquiries made by    XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into ( insert name of credit or ) inquiry to determine who requested this credit inquiry.    If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am in error, then please send me proof of this.   Thank you in advance,  XXXX   XXXX
Consumer complaint received 2024-03-02
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Braviant Holdings, LLC (AR)

I was harassed and threatened by this lady XXXX, calling from a processing company after balance credit already told me they were working with XXXX XXXX XXXX, and I had my power of attorney to manage my account, and when I have tried to follow up with them about that they will not answer me
Consumer complaint received 2019-11-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (TX)

Our family decided to take the steps to purchase our first home through XXXX XXXX on XX/XX/2019. Our loan officer connected us to Prime Lending XXXX XXXX, DBA Highland Home Loans. MLS # XXXX After being pre approved on XX/XX/2019. We made an offer on XX/XX/2019 and it was accepted by the seller. We paid XXXX in earnest money and XXXX in option money to title Company ( XXXX XXXX ). Following this we paid XXXX for property inspection. We were intially given a close date of XX/XX/2019. XX/XX/XXXX, we were told that the underwriter needed a letter from us to remove dispute verbage on credit report which was recieved and accepted. XX/XX/2019 the loan officer requested a letter explaning student loans debt and letter for child support. Both letters were provided and accepted. Following these request we were advised that our loan needed to be reviewed by a senior underwriter. Additionally we were asked for bank statements on 3 separate occasions, after asking for the docs on the XX/XX/XXXX the realtor and and loan officer started telling us that the closing would be on the 8th now. On the same date of the 30th the loan officer came asking for 401k statements again to show reserves, we gave those then she told me on the XX/XX/XXXX that no answer was ready because the underwriter working my file the day before went home on an emergency. On the XX/XX/XXXX the loan officer contacted us and asked for check stubs for myself and and justification about my short term XXXX and for pic of my husbands college degrees??? She then contacted us a couple hours later saying that if I didnt return to work immediately then we could not close the loan. She then directed me to the realtor who told us that we could not get our Earnest money back and that we may be sued for breech on contract by the seller.
Consumer complaint received 2021-02-09
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. (PA)

I am writing you to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. Im trying to advance in my life by getting a house and car to provide for my children.
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have taken the Bank Of America Balance transfer promotion on my account in XXXX ( XX/XX/XXXX ) XXXX amounting to {$4000.00}. It was given as 12 months of interest-free with a 3 % of the Balance transfer fee. 

I already set up the monthly payments accordingly, but to my surprise, BOA was charging me 18 % interest since XXXX on the Balance transfer. 
When I called BOA regarding this, they communicated that they cant trace the promotion and hence they are charging me the fees. 

When I told them I took this as a promotion and I can also understand there could be a system glitch that you are not able to see that offer, and I also offered them that will pay the entire amount instantly and requested them to drop the interest charge for that they denied that. 
I feel cheated and wanted BOA to refund the interest they have charged me since XXXX of XXXX.
Consumer complaint received 2021-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MD)

I opened an account with Chime. 
Things were okay until They accepted my benefit payment from DC unemployment. 
I received a message saying my account had been flagged and a hold was placed on my account pending verification of additional documentation they requested. I provided and received confirmation the documents were accepted and reviewed. 
they closed my account, blocked my phone number from being able to reach them via phone and sent a message saying they would not be giving me my money nor providing any additional information.
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP (CA)

XX/XX/XXXX XXXX XXXX and XXXX starting call me and my relatives misrepresenting themselves as a law firm hired by US bank to collect on a d debt and that if i dnt pay the amount they would sue me in court and report my debt to all credit reporting agencies. This harassment was so unprofessional and needs to stop. The calls to me and my relatives needs to stop. The treats of ruining me needs to stop and this collection agency needs to stop representing themselves as a law firm working for US Bank. I have never been informed of this debt that supposedly took place in 2010 11 years prior. I have never had any correspondences in the past about this matter until this company XXXX XXXX and XXXX contacted me and my relatives and sent me a email. I tried to locate the company with the address they provided on the letter in the email and no company could be found a this address. the receptionist is states they are many law firms but wouldn't clearly identify themselves. I don't even believe this debt is mine.
Consumer complaint received 2018-06-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (MA)

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) sued me for breach of contract in XX/XX/XXXX. On XX/XX/XXXX, they filed a Motion for Summary Judgment with an attached " Affidavit and Verification of Account '' to support their claim. The Affidavit was signed by XXXX XXXX, a supposed " Legal Case Manager '' with Transworld Systems Inc., a subserver of XXXX hired by XXXX XXXX in XX/XX/XXXX to service XXXX loans. 

Following a brief inquiry into XXXX XXXX, I can across four ( 4 ) different signatures on four ( 4 ) different affidavits filed in similar lawsuits ( see attached ). 

Because XXXX is unable to prove they are actually the owner of my loan or any of the other loans they sue to collect, they rely on these affidavits to bolster their claims. However, the affidavits are a fraud. These sort of deceptive and illegal practices are harming tens of thousands of current and former students across the country and it must be stopped. 

Finally, the documents to which XXXX XXXX attests were not even created by XXXXansworld Systems. Rather, they were created by XXXX XXXX XXXX over 5 years before coming into the possession of Transworld Systems.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (VA)

In XX/XX/XXXX, I was notified by XXXX via email that an account in my name was late on payment. After receiving this email, I logged into my XXXX account and saw that I had an account with a balance of approximately {$3000.00}. The account was listed as XXXX. I immediately called XXXX XXXX  advising them of the situation. They stated I did not have to do anything else at this point. 

On XX/XX/XXXX, I contacted XXXX XXXX  to check on the status of their investigation. They stated that I now needed to file a report. I immediately went to IdentityTheft.gov and filed a report ( report number XXXX ) with the Federal Trade Commission. Afterwards, I called back and provided the report number. They stated I do not need to do anything else at this time. 

On XX/XX/XXXX, I called XXXX XXXX  again for an update. They told me that my claim was rejected and that I needed to file a police report now. On XX/XX/XXXX, I went to my local police department and filed a police report ( report number XXXX ) for identity theft at the XXXX  XXXX Police Department. 

I am highly upset about this whole situation because XXXX XXXX  have not been helpful with me throughout this stressful process. I called and advised them that I was a victim of identity theft. They denied my claims without explaining why. They did not reach out to me throughout this investigation. I was the one who had to reached out to them by phone for all three interactions. They kept advising me that I did not need to do anything else until I called them back for an update on the investigation. If there was really an issue found during the investigation, they should have contacted me via phone to ask for additional information or paperwork but they did not. I had to reach out to them every single time to ask why my claims was rejected when they stated I did not need to do anything else at the time.
Consumer complaint received 2022-04-01
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. (PA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2021-07-13
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: BARCLAYS BANK DELAWARE (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2019-05-13
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Check Resolution Inc. (VA)

NCR which is the debt collection agency that handles the XXXX XXXX   XXXX XXXX in XXXX va  keeps callins me while I am at work after I spoke to a representative on Friday XX/XX/2019 to call me on XX/XX/2019 at XXXX and not 2 times before that time. they have been harassing for the past 7 months. I specifically told them that I can pay XXXX a month to help settle the debt but, they are still threatening legal action. I had a baby in XX/XX/XXXX and they was calling me then being very rude and nasty and I am sick of it and will be pursuing legal action
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (TX)

Equifax is enabling identity fraud. I am a victim of Identity Theft and somehow equifax keeps verifying fraudulent items on my credit report. Equifax is not adhering to section 605 and blocking the information from my credit report. This is defamation of character and the enablement of identity fraud. I have sent all the required documentation to Equifax : FTC affidavit, ID, and the accounts that are frauduluent. The fraudulent items on my credit report are XXXX XXXX and US Dept of Treasury XXXX
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

in XXXX of XXXX i realized a fraud alert was placed on my consumer credit report. i have sent in a copy of my drivers license, social security card, and lease along with a copy of my birth certificate to the mailing address of equifax. i have sent these documents at least twice a month since and the alert is still on my report. i need this alert removed from my report so i can further repair my credit.
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MO)

On XX/XX/XXXX I sent a letter to Navient requesting that they remove two inaccurately reported 90-day late payments from XX/XX/XXXX from my credit report. All 8 of my federal student loans which  were serviced by XXXX XXXX/Navient were in forbearance at the time of the alleged late payment, yet for some reason two of them are showing as 90 days late on my credit report. I included a letter I received from XXXX XXXXNavient in XX/XX/XXXX showing the dates of my forbearance which included XX/XX/XXXX. If loan accounts are in forbearance it means no payment is due so how can a payment be late if no payment is due. Supposedly Navient " investigated '' this matter and continues to report that this information is accurate. I have disputed it with all 3 credit bureaus and they continue to confirm this information is accurate with Navient. I do not feel anyone actually investigated this matter, no actually read my letter as they are unable to actually tell me WHY this information would be accurate given my student loan forbearance status, they just sent me a form letter indicating their information reporting to the bureau is accurate.
Consumer complaint received 2023-01-21
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. (IL)

I acquired my credit bureaus to check anf make sure everything was complete and accurate according to 15 usc 1681 ( i ). 

I waited 30 days and I haven't recieved nothing here is my tracking number # XXXX. It has been over thirty days.

And one more thing, XXXX, Transunion, and XXXX didn't record the current status of the account being in the disputed status. 

XXXX, Transunion, and XXXX is holding me back from getting a new house and car. This is very fustrating, because I am trying to improve the life of me and my family and XXXX is not doing its job according to the law.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CapitalOne is a fraud I made payment by the statement date and was still charged interest. I called to get the interest charges refunded but customer service agent lied and didn't provide correct information.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (NY)

I have never applied for any student loans. I deny all financial responsibility under penalty of perjury for any student loans including Nelnet. The student loan accounts on my credit Profile are a result of fraud. Ive requested that a fraud packet be sent to me and have never received one.
Consumer complaint received 2019-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A. (TX)

I requested a refund for my overpaid Citi Bank card. I submitted online on XX/XX/XXXX to send to my savings account. I immediately recognized ( after submitting ) I had an outdated account on file. I called Citit immediately and explained my situation. I was told on the phone that they could not cancel the refund and to contact them again tomorrow. I contacted Citi the next day ( XX/XX/XXXX ) and was told it was already processing but if the account is old that " it will be returned '' as incorrect. On XX/XX/XXXX I received a confirmation that the refund was processed. I have called Citi and they told me will start an investigation that will last 30 days to refund my money. On two separate occasions I asked them to cancel this request but they knowingly continued the refund. At no point was I directed to speak with a resolution team or senior representative.
Consumer complaint received 2021-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

I've recently began applying additional payments to my principal and the servicing company has done a poor job of applying it correctly, without me having to call and reinforce that the payment was sent to the principal. I've used the app/website each time to apply it and chose principal ONLY payment each time. They have either sent it to the suspense account or applied it to my monthly mortgage payment. 
XXXX {$2000.00} to Principal only and they put it in the suspense account. I called XX/XX/XXXX and the agent put in a research to have it moved. XX/XX/XXXX, and XXXX, it still hadn't been moved. On the XXXX, I got the same agent from the 1st time. He researched again. On the XXXX, I got another agent who saw the notes and put in another research. Today, XX/XX/XXXX, still no change. It says next payment due XX/XX/XXXX, with {$220.00}, sitting in my suspense account. This also happened in XXXX when I applied an extra {$1000.00}.
Consumer complaint received 2019-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I have not received my alerts for my credit card statements. XXXX XXXX does not offer alerts notifying you that a payment is due. They have no built in alert system. Then they charge {$39.00} for a late fee and don't offer no more then 1 refund per 18 months.