davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

My Mortgage Company XXXX XXXX XXXX placed my mortgage for servicing by Select Portfolio Services in  XX/XX/2019 after I contacted XXXX for mortgage assistance and way told the only thing I could do was a " short sale ''. This was not an acceptable workout as I became delinquent during an illness which resulted in XXXX XXXX  XXXX with quite a bit of back and forth to receive the XXXX payments from my employer. XX/XX/XXXX SPS took over servicing the mortgage. I set up a profile and submitted a mortgage assistance request as I took on 2 part time jobs, at a lower rate of pay, with shift hours totaling enough to make my unemployment compensation award go dormant. One of the part time jobs stopped giving me hours not too long after hiring me. I spoke with SPS representatives several times ( I have a list of calls and contact names ). Each person told me something different and when I finally did receive a workout plan it was {$400.00} higher than a regular payment would be. I contacted XXXX XXXX XXXX who, I authorized to intervene on my behalf, SPS would not speak with the counselor even though I'd submitted a signed authorization. I then received a " default letter '', An ACT 91 letter and a letter stating that I refused the workout plan since I missed the deadline to accept it because I could not get anyone at SPS to speak with me. On inquiring why I was not getting any call backs from my " account manager '' at SPS I was told they were returning my calls to a phone number that was disconnected over 15 years ago, even though I did a current profile on the SPS website when I first received notice that the mortgage was being transferred to SPS. Now, I have asked again for mortgage assistance to clear my outstanding payments to current and the workout I received recently is {$500.00} more than the workout with the {$400.00} more over the original payment amounts. I am in the process of appealing a denial from Pennsylvania Housing. The frustration and stress is mounting as I continue to find adequate employment to correct my arrearages. I was told by my credit counselor not to make any partial payments until I could get a clear handle on where this stood and how it could be rectified with the help of SPS. As I mentioned, I have a log of various phone calls and responses to my inquiries as well as any other documentation that will show the chaos this situation has taken on.
Consumer complaint received 2018-02-14
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: SYNCHRONY FINANCIAL (CA)

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my  local FBI field agenct office in XXXX XXXX to report these accounts.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (PA)

Two of my credit reports include incorrect information related to my student loans. My student loans were transferred from the Department of Education to Mohela in XX/XX/year>. However, two of my reports ( XXXX, from XXXX XXXX, and XXXX ) continue to report an open balance of {$83000.00} with the Department of Education. 

This is harming my ability to get loans and credit.
Consumer complaint received 2021-10-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/XXXX I received a voicemail that stated ( XXXX XXXX ) not my name. They were reaching out to me due to a pending notice of action that came out of the XXXX XXXX area. His name was XXXX XXXX. He was contacting me on behalf of XXXX XXXX, so due to no contact on my behalf I am instructed to call XXXX with reference number XXXX. They have another number from XXXX California ( XXXX. This number is not active? They also called my mother in Arizona, threatening to sue. If I did not respond by XX/XX/XXXX ( yesterday ) they are taking aggressive action to sue me for {$1000.00}, from HBSC Bank for a mortgage or credit card from XXXX. 
I have been on XXXX since XXXX. I have already filed a scammer report with the XXXX XXXX XXXX
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent all needed information to Transunion and XXXX to UPDATE late payments to ON TIME. The response I received from the companies is that they would be updated but checking my credit report as of today XX/XX/22 no updates have been made. That is False and misleading information being given to me and the negative items being furnished to my report is damaging my credit standing.
Consumer complaint received 2021-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (WA)

The collection agency servicing the purported debts appearing on my credit report is unresponsive to my attempts to discuss the debts and, if true, to pay the debt in full. It is negatively affecting my credit score and preventing me from getting the mortgage I am trying to apply for.

For two months Midland Credit Management, and their related peer subsidiary companies ( all owned by Encore Capital Group ) have been passing me around to five different inter and intra-company phone lines, whose agents all tell me they can not help me discuss or pay the debts, if true, and who then pass me along to new inter or intra-company agents. 

After calling sometimes everyday for weeks at a time to at least every two weeks the problem persists.
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NM)

On XX/XX/2021, I called Comenity Bank ( XXXX XXXX ) to pay my card off. I had received late fees in the past and wanted to get this card taken care of. I spoke with the Customer Service Representative and informed him that I will pay the balance in full as long as there was no late fees or penalties assessed. At the end of the conversation and prior to me providing payment. The CSR asserted that I will not have to pay the fee associated with paying over the phone, any late fees, penalties, or interest. In the beginning of XXXX of 2021, I received a statement stating that I had a balance due on XX/XX/2021. I was assessed {$35.00} for the late fee that I was told I would not have if I paid my balance in full. I was also given an interest fee of {$9.00} for a total of {$44.00} ( subject to late fees ) if I don't pay it on time. Comenity Bank ( XXXX XXXX ) is taking advantage of consumers who are unemployed due to COVID restrictions and just trying to stay afloat. Comenity Bank ( XXXX XXXX ) is engaging in unfair practices against consumers.
Consumer complaint received 2018-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (IL)

I contacted the WF with the issue below and I was informed that the issue will be addressed. It wasn't. 
1 ) Charge to card of foreign transaction fees. 
In XX/XX/XXXX I called WF and inquired if the card carries foreign transaction fees. As I was told it doesn't I have used the card during my trip in XXXX in XX/XX/2017. 
I was told by the CSR that I was misinformed and that the fees will be refunded. They were not. 
2 ) Foreign Currency ( MXN to US $ exchange fee ). The listing in T & C I inquired after the transactions were conducted that the WF takes its fee from the average of the market spot rate trading day. However the lowest of the trading band for MXN to US $ was at the lowest XXXX with the highest on XXXX ( XX/XX/2017 ) so the questions I have to WF are as follow : why the transactions have applied rates of outside of the trading band for that day : XXXX, XXXX, XXXX, XXXX which point to WF gaming the exchange rate in its favor without proper disclosure and detriment to consumers. 

3. Account bonus issue. As per disclosed marketing agreement by WF the account will receive a {$200.00} credit bonus after its initial {$1000.00} or more purchase threshold. Although I have met and exceeded this qualifier the {$200.00} credit has not been posted contrary to the credit card offer.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

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 2018-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received these balance transfer checks XX/XX/XXXX by XX/XX/XXXX I made a balance transfer the offer was 0 % APR for 12 months with 3 % transfer fee well I paid of the balance today XX/XX/XXXX way before the 12 month period and they charged me interested for The time until they receive the fund. 
This is pure XXXX off credit cards becomes thief by the second and you Cfpb shouldnt come up with heafty consequences for these credit cards Their representative trained to make these redicilous charge do ok and ledgenmdbt not good
Consumer complaint received 2021-04-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (TX)

The CFPB closed my complaint because, it said, the bank replied to my complaint. There is another person living on my street that has the same complaint with the same bank, so the problem is, very likely, wide spread. 

The complaint is that it is not possible to close a BBVA account. Withdrawing all of your money, and that is an arduous process, only puts the account below minimum balance, which triggers fees, which triggers collection agency action against the depositor after a few months of accrued fees. The bank has written an excuse, but they will not put that in writing to the depositor, only to the secret web account of the depositor at the CFPB web site. 

It should be illegal for a bank to open a closed account, for any reason, without the depositors signature on documents opening an account, or to reopen a closed account, for any reason. If there is such a law, then CFPB is refusing to enforce it. 

The federal government says that they caught XXXX XXXX doing this, and fined them. BBVA says that they are smarter than XXXX XXXX, and can get away with this. The CFPB lack of action on BBVA proves this assertion true.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

After receiving no response to my initial dispute, I promptly escalated the matter by filing a second dispute with the bureau. As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothin
g.
Consumer complaint received 2024-01-19
Product: Credit reporting 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: EQUIFAX, INC. (TX)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit report. 
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 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2018-02-11
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. (LA)

My identity was stolen and multiple account were opened in my name. I reached out to XXXX XXXX XXXX to inform them of this issue but they did not want to remove the account. Instead they sent it to collections. I contacted the collection agency and the collection agency did nothing either.
Consumer complaint received 2018-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CO)

In XX/XX/2005, I consolidated my student loans. At that time, the consolidated balance was {$87000.00} in principal ( as of XX/XX/2005 ). After an initial {$1000.00} payment, I have been paying {$520.00} every month for the past 150 months. The math on this is that I have paid {$78000.00} on the {$87000.00} loan. XXXX  sends monthly statements that a person has paid, but never the balance amount. Today, I contacted XXXX to see what the balance of the principal is. I was shocked to hear that {$66000.00} is the balance on the loan. XXXX states that all payments went only to the interest. XXXX represented to me on phone that all payments went to interest only and only a small amount to the principal. I was told that the loan will result in payments of {$180000.00} over the life of the loan that had a principal amount of {$87000.00}. This is XXXX!! How is this not usury?
Consumer complaint received 2022-04-30
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)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

I recently filed a complaint on XX/XX/XXXX. The response was inaccurate and the complaint was closed. Mr. Cooper claimed that my mortgage is 12 months past-due. I have several documents. Mr. Cooper did not obtain my mortgage until XX/XX/XXXX. All past due balances were payed by the FHA partial claim program which covered XXXX XXXX XX/XX/XXXX mortgage payment. This information can be verified by both XXXX XXXXXXXX XXXX and XXXX ( HUD Contractor ). I am having problems paying my past-due mortgage payments with Mr.Cooper because the system is not updated. My first payment was due XX/XX/XXXX, XXXXMr. Cooper informed me that it can take up to 90 days to input the correct information and to continue checking the website however, it has been over 150 days now.
Consumer complaint received 2022-04-30
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NY)

We opened accounts at PNC Bank partly for their safety deposit boxes. We signed up with an agreement of a {$50.00} discount on a box that costed around {$35.00} at the time. They have since upped the price so we must pay {$22.00} for the box now. They are arguing that because they upped the price and didnt change the account benefit they are inline with the agreement. I find this to be shady and unfair business practice. It is an obvious money grab by PNC. I did not agree to pay for the safety deposit box and PNC is unjustly charging customers to increase their bottom line.
Consumer complaint received 2022-04-30
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: WELLS FARGO & COMPANY (GA)

Opened a secured credit card at Wells Fargo with XXXX $ limit in XXXX. Soon after I moved away from the college I was attending and lost/ forgot about the secured card. It showed up on my credit in XXXX. Which I paid in full. The associates I spoke with agreed to delete the account entirely as it was secured and paid in full. I have Called Wells Fargo, all 3 credit monitoring companies and it will be deleted then pop right back up. This XXXX $ card needs to be removed as promised
Consumer complaint received 2022-04-30
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

We signed a contract with Lexington Law to help us repair our credit on XX/XX/23. The initial fee was {$69.00}. They took out over {$400.00} dollars in one month : XX/XX/23 ; XX/XX/23 ; XX/XX/23 ; with no results on my account or my friends account. 

They have violated my customer consumer law under CROA because they have been charging upfront fees for a service they did not accomplish. Lexington Law has been charging me monthly to remove negatives from my credit report. I was informed verbally that this was a family plan, that we would be charged {$130.00} a month for the both of us, not separate as we are a family & live together. 

They were suppose to refund me 3-5 business days from XX/XX/23 & when I called today, XX/XX/23, they kept saying they can only refund once they investigate the phone call, as every call is recorded. I requested the recorded phone call & they did not want to release it by giving me the run around. However, they proceeded to refund me half of that money after claiming my legal rights to receive all of my money back.
Consumer complaint received 2022-04-30
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1861 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

THIS ACCOUNT FROM XXXX XXXX XXXX FOR THE AMOUNT OF {$1400.00} IS AGGRAVATED FRAUD. I DID NOT AUTHORIZE OR REQUEST AUTHORIZATION OF THIS ACCOUNT LISTED IN THIS REPORT. MY INFORMATION HAS BEEN COMPROMISED AND THERE HAS BEEN SEVERAL ACCOUNTS THAT HAS BEEN ATTEMPTED TO OPEN WITHOUT MY AUTHORIZATION, AND HAS BEEN INSERTED INTO MY CREDIT REPORT WITHOUT PROPER VERIFICATION. THIS IS UNLAWFUL ACCORDING TO THE FCRA AND A VIOLATION 15USC1681. IM DEMANDING FOR THIS ACCOUNT TO BE REMOVED IMMEDIATELY FROM CREDIT BUREAU REPORT AS THIS IS AFFECTING MY BUYING POWER AND CHARACTER.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I have an account with PayPal Credit. PayPal system has a glitch that caused my Auto Pay Payment to fail. As a consequence, I have been charged a late fee of {$30.00} on XX/XX/XXXX and {$41.00} on XX/XX/XXXX. I suspect that this issue may be affecting other customers as well.