davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

XXXX I had a mortgage with XXXX  XXXX XXXX. In XXXX XXXX  XXXX XXXX  went bankrupt. XXXX FDIC assigned, my mortgage to XXXX XXXX as the servicer and XXXX as the trustee or receiver of the funds. This was noted in the record of deed in XXXX County. Then XXXX, XXXX XXXX  sold the servicing rights to SPS servicing who also told me they wrote off the note at that time when they gave it to SPS servicing. After they sold it off I called since then and they said they had written it off and were no longer doing anything with my account. I have been paying SPS Mortgage payment even after I filed bankruptcy in XXXX. Then recently in XX/XX/XXXX I requested a short payoff and was told by SPS that I have to get that from the note holder. I then re contacted XXXX and they told me that they had written off the note and their was nothing that I owe them. I then went back to SPS and they told me to write a letter to XXXX, SPS first insisted they were note holder. I then went 3 way on XX/XX/XXXX and talked to XXXX and asked them how can I get a short pay off. Again they stressed that I owe nothing. Then SPS said I can send a letter. I sent a letter. XXXX gave me a fax number to fax it too, which was XXXX XXXX XXXX XXXX requesting a XXXX XXXX. When I checked the records of deeds office, It shows XXXX was still receiver, and XXXX XXXX. was Trustee. I then contacted XXXX again, they said again the wrote it off and said they had nothing else to do with my loan to contact SPS. Then SPS sent me a payoff letter which includes interest but XXXX wrote it off in XXXX so I wanted to know why I was still accruing interest. I was still under the impression that the lien holder was XXXX XXXX. When I contacted XXXX XXXX, they keep sending me back to XXXX. I'm still stuck trying to get my lien released. Then XX/XX/XXXX select portfolio servicing sent me this letter saying it was XXXX.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

After many attempts to resolve this issue, XXXX and XXXX continues to report the following items : Equifax : XXXX, XXXX XXXX XXXX XXXX ( attached to bankruptcy ) XXXX : XXXX XXXX XXXX IL XXXX / XXXX XXXX : XXXX XXXX / XXXX XXXX had deleted and is no longer reporting the bankruptcy items. These credit reporting agencies who were getting this information from XXXX continue in blatant violation of the FCRA to report these items ...
Consumer complaint received 2018-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/2018 No Action was taken and this is not the first time. this has happen several times. I Don't Remember the Dates though sorry for that. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA. XXXX
Consumer complaint received 2017-12-08
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: Experian Information Solutions Inc. (NY)

I am uploading proof from a copy of my XXXX credit report proving that an account XXXX XXXX XXXX and XXXX were deleted off my credit report. Experian and XXXX  just keep updating these accounts that do not belong on my credit reports. I have been disputing this information for months now. Experian and XXXX want a copy of another report that I have that proves these accounts were deleted. I am uploading the proof. I get nowhere when I contact experian and XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I have disputed the following accounts with no luck of having them removed. They are not my accounts. I have lived at my current address for over 10 years. I am a victim of identity fraud. I have never had a loan on my car, and/or a payday loan. One account is for electricity, but my electric bill has been under my mother-in-laws name for over 10 years. 

XXXX  XXXX XXXX {$710.00} XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX {$420.00}
Consumer complaint received 2017-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am uploading proof from a copy of my XXXX credit report proving that an account XXXX XXXX XXXX and XXXX were deleted off my credit report. XXXX and transunion just keep updating these accounts that do not belong on my credit reports. I have been disputing this information for months now. XXXX and transunion want a copy of another report that I have that proves these accounts were deleted. I am uploading the proof. I get nowhere when I contact XXXX and transunion
Consumer complaint received 2024-02-28
Product: Credit reporting 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. (GA)

I am writing to formally dispute an inquiry listed on my credit report. Upon reviewing my report, I noticed an inquiry that I do not recall authorizing. I have attached copies of the relevant documents for your reference. 

Considering I have no recollection of authorizing this inquiry, I am concerned that it could potentially be fraudulent. As such, I request that you promptly investigate this matter and remove the inquiry from my credit report immediately. 

Please provide me with an update on the status of this dispute once your investigation is complete. You can reach me at the contact information provided above. 

Thank you for your attention to this matter.
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: EQUIFAX, INC. (FL)

To whom it may Concern My Name is XXXX XXXX my identity have been used without my consent I've had issues in the pass with identity Theft someone used my personal Information without my Authorizations. this account is fraud and i need this Account to be documented as Fraud and Removed from my Credit.

thank you
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. (FL)

To whom it may Concern My Name is XXXX XXXX my identity have been used without my consent I've had issues in the pass with identity Theft someone used my personal Information without my Authorizations. this account is fraud and i need this Account to be documented as Fraud and Removed from my Credit. 
thank you
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Earlier this year after making my complaint about paying on line alleging the practice was unfair and discriminatory towards people on XXXX and retirees XXXX XXXX falsely reported my loan balance in an amount that was higher than what I actually owed them. After having no resolve with then I disputed the amount with the credit bureaus and submitted evidence ( my mortgage statement ) that my balance was not what XXXX XXXX was reporting .... The credit bureaus corrected the balance. as of XXXX of 2016. a couple months later I noticed that XXXX XXXX was not reporting my payments after that. I notified them of the problem but never got any real resolve. I had spoken with them on a few occasions about it however here we are 6 months later they are still not reporting my payments and the reduced principal balance. I have recently taken the initiative to report it myself by sending in statements of over the last 6 months showing the payments made and the reduced balance. It is my belief the actions of XXXX XXXX  XXXX XXXX is retaliatory for my alleging what I then and now consider a discriminatory practice toward people who are on fixed incomes such as XXXX, ssi or retired because their online payment system penalizes people who do n't pay their bills on or before the first of the month due to being on a fixed income and I expressed offense when a representative suggested I pay an extra payment in order to avoid a {$5.00} charge to pay my bill on time online and I called the charge a late fee. I was refused proper direction as well when asked how to properly file a complaint regarding both matters
Consumer complaint received 2021-07-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (AL)

on XX/XX/2021, i notice a negative item on my report from NATIONAL CREDIT ADJUSTERS , LLC for XXXX that i do not owe.i sent them a letter asking for the validity of the alleged debt at hand and they hasn't replied with the proper information thus far. i have attach a copy below for the record.
Consumer complaint received 2017-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Neon Newco Corporation (GA)

Hello CFPB, Thank you so much for taking care of helpless customers who need to deal with some poor regulated bank. 

I am writing to complain Netspend ( XXXX XXXX ). My name is XXXX XXXX. My card number is XXXX. XXXX last year 2016 I opened both checking and savings account. At that time I chose the account plan - " Pay as you go '', which charges me a fee when I use the card but does not charge me any monthly fee. 

However, recently I found out that my account was locked ( not sure when did this happen ) and I did n't get any notice during this whole year. They actually had my email address and my phone number on file. They locked my account and banned me from accessing my money without ANY notice, nor did they verify my identity before doing this. 

I just got access to my account these days and was surprised to find that I was charged monthly fee of {$5.00} for more than 1.5 years. Their representative could do nothing but kept asking many questions, and totally wasted my time. Every time I asked them to transfer me to their supervisor, the music is going on for around 1 hour, and another similar representative picked the call. Those people are just stonewalling and wasting customer 's time. 

Right now I strongly suspect they lock customer 's account in purpose and then charge fees on their account. 

Thanks. Thank you so much!
Consumer complaint received 2021-02-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

FedLoan Servicing reported me being 90 days late in XXXX of XXXX. In XX/XX/XXXX and again in XX/XX/XXXX I called and told them that I had lost my job and they said that I would be placed in forbearance. I went to apply for a home loan and noticed that on all three reports that I was marked as 90 days delinquent on all 9 accounts. I contacted FedLoan Servicing and the agent told me that he saw where I called in both times and that I should have been in forbearance during that period. He said he would make a not on the account saying such. I checked a few months later and noticed it still said the same thing. I called again and this time the representative instructed me to do a Credit Dispute form. I did so and within a week it was denied. I did this 2 more times, each time a different representative telling me to do and submit different information. I was told by a representative tat if I wasnt very specific that they may not even look at my information and just deny it because no one wants to look through and figure all this out. I submitted the proof from my credit reports circled and highlighted the information. I was still denied. I havent had a late payment on my credit report in years because I knew I wanted to purchase a home this year. I am becoming very frustrating and not confident in our institutions. I have been doing what they tell and submitting documents and keep getting denials without response other that its valid. I do not understand how if they can see my phone calls that they wouldnt know that I requested a forbearance.
Consumer complaint received 2015-04-21
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (MI)

I have been disputing a credit card account with Chase Bank and I sent them a Letter asking for the credit card agreement bearing my signature, the date it was opened, and the date of the first delinquency and they sent me a letter back stating that they could not provide me with any of that information because they sold the account. But when I dispute with XXXX, and XXXX it comes back as verified. Chase Bank is not able to verify this account so they are NOT GIVING ME MY DUE PROCESS of the FRCA and are reporting false unverifiable information.
Consumer complaint received 2021-09-12
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. (TX)

I XXXX XXXX am making this complaint myself, there is no third party involved. I did not consent to, authorize or benefit from the following inquiries. Pursuant to 15 USC 1681c-2 ( a ) " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. ''
Consumer complaint received 2017-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (MD)

This compliant is regarding closure of my account without my information. SunTrust Bank prohibited me to access to my funds which I needed urgently ( $ XXXX ). XXXX : I opened the account after depositing {$150.00} in account. XXXX : I completed direct deposit of {$800.00} i account. XXXX Deposited multiple amounts in the bank account. XXXX : A XXXX  check of $ XXXX was deposited. XXXX : {$12000.00} cash was deposited in the account. I have been trying to access my account online as well as ATM but it was showing nothing, after calling customer support they told me my account was closed for " some reasons '' but they were not aware of the reasons. I asked SunTrust to give me my funds since I need to use my money. SunTrust declined and told me I will be getting my check in 5-7 working days with explanation why my account was closed. I have been told that SunTrust has right to close my account without informing me. I have written checks in good faith to use my banking account which is denied to me without any reason. I am also having SunTrust Mortgage Account that is in excellent standing.
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX and 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 View full complaint
Consumer complaint received 2018-06-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CT)

We have an open complaint case # XXXX - XXXX XXXX of Wells Fargo after beginning review via voice mail that she could not complete the review on the original promise date of XX/XX/XXXX and that she would have the results on XX/XX/XXXX. 
This delay is after the law date that Wells Fargo is aware of by indication of their lawyers as they have been notified. This is an act that has caused suits in XXXX, XXXX and XXXX that law suits were brought against Wells Fargo with results in the defendants favor. I have the two voice mails saved, none of which advise me to contact Wells Fargo ( I am reachable ) - when I contacted them via the extension provided the recording stated not a good extension ( again something mentioned in prior law suites ). I am applying for an extension of the law date but all I want is to resolve my mortgage issue and keep my home so in time Wells does not lose money as I have a bankruptcy during term of mortgage but mortgage never re-affirmed. I do not want to lose my home or pursue a law suit or class action event.
Consumer complaint received 2017-12-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

In XXXX, our taxes were {$3100.00} and our home owner 's insurnace was {$800.00}. At the end of XXXX, we were refunded money from our escrow account. 
In XXXX, our taxes decresed to {$2600.00} and our home owner 's insurance increased to {$980.00}. 
We received notice XXXX that we had an escrow shortage of {$2.00}, XXXX. 
I do n't agree with the consequences falling on us if our escrow has been miscalculated. 
Freedom Mortgage conducted another escrow analysis and stated they do not determine the escrow amount. I was told RESPA calculates.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

I signed up in branch for a Chase Business checking account. I was told if I made five transactions and kept a certain balance I would avoid fees and receive a {$500.00} bonus. 
I asked the banker if paying my chase credit card would qualify as a transaction and he indicated it would. 
Upon completing the transactions I did not receive the bonus, Chase says that the transactions I made do not qualify. I was misinformed.
Consumer complaint received 2018-12-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX, XXXX  and Equifax refuses to contact XXXX XXXX to obtain a new report which shows they have deleted the bankruptcy from my consumer report. XXXX XXXX even sent a dispute on my behalf which they all refuse to reply to and delete the erroneous information. Documentation has been included.
Consumer complaint received 2023-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.
Consumer complaint received 2017-12-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (FL)

Relative was served by sheriff today that I was being sued by XXXX XXXX for a debt that was sold by Citibank to this agency. ( File XXXX ) I no longer reside at XXXX XXXX XXXX XXXX, property sold to relative XXXX. We reside in XXXX XXXX Florida. Documents were served to relative ; were not sealed and read by relative ; clearly violating confidentiality laws and my rights. In further checking they also contacted and shared personal info with my son XXXX. This caused embarrassment to my family, neighbors and children were present, when served. XXXX had no right to serve improperly or to share my financial info. 

I attempted to negotiate with Citibank a 5 year payment plan after a rental property was badly damaged by Hurricane Sandy. They passed debt to an Illinois agency prior to selling/factoring this receivable to XXXX XXXX. I was never called or notified that XXXXwas filing suit. Never heard of these people.
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2011 with a balance of {$12000.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.
Consumer complaint received 2017-12-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (NC)

Loan with 18 % APR for 72 months. Felt taken advantage of because of credit circumstances. According to loan agreement I was suppose to be given a chance for arbitration however was never given a chance. Loan was only 37 days pass due before they repossessed it despite the fact that their policy is to repossessed after 60 days past due. Car was suppose to be sold on XXXX yet credit report still reflects total about of loan due.
Consumer complaint received 2017-12-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (TN)

I discoverd on XXXX XXXX XXXX that my netspend card had been canceled, I tried to use it to make a purchase and the card did not workon XXXX XXXX I contacted NetSpend to find out why my card did not workthey informed me that it had been cancelled due to Tennessee banking XXXX that XXXX told me they would send me a check for $ XXXX I should receive it within 10 business daysafter 5 phone calls and being told several times that it would take 10 more days I still have not received my checkfinally on the 5th phone call they informed me I needed to send verification of my mailing addressI have sent them the required information and still have no reply