davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

SPS forbearance was put in place from XXXX - XX/XX/XXXX due to XXXX and my two XXXX  shut down. I got XXXX XXXX  and was hospitalized. One of my credit cards was payed off by the debtor because my doctor filled out a form memorializing my hospital stay from XXXX XXXX. XXXX came around and COVID restricitons were still in place and my income was still diminished. I asked SPS to extend the forebearance. They sent me RMA forms to fill out, and requested other documents. XXXX all forms and documents requested were emailed to SPS. In XXXX they requested a XXXX XXXX  XXXX for XXXX - XX/XX/XXXX. During this time, I received XXXX from the CARES Act payable to SPS . SPS shredded the check. SPS rep 's told me they couldn't accept the money because my home is in preforeclosure. XXXX XXXX, my accountant prepared the XXXX XXXX XXXX for the previous XXXX months and that was emailed along with bank statements for the same time period. I called SPS all through XXXX, stating why am I getting preforeclosure letters, I am waiting for three months to go by to send you the requested documents. Sometime in XXXX, SPS filed foreclosure documents. I never got a letter or the foreclosure documents. I had no idea they filed that. Advertisements from law firms alterted me. I ended up hiring a firm. I filled out another XXXX form, sent in more bank statements and another XXXX XXXX XXXX for XXXX - XX/XX/XXXX. During the entire time requesting a loan modification, along with hiring an attorney, SPS is marching forward with a foreclosure and the sale date which is now XX/XX/XXXX. My business is back to grossing XXXX a month. My income from that amount is roughly XXXX a month. My credit is ruined because I couldn't make my monthly usual credit card payments. XX/XX/XXXX, I got another letter from SPS requesting I fill out another XXXX form. SPS has zero interest in me not losing my home. They are intentionally burying me with document requests while the foreclosure department is ontrack to take my home. I just want to start paying my mortgage again. SPS will not accept any money from me. My relationship manager at SPS and it's legal department are not on the same page. One hand does not talk to the other hand. I was never late on my mortgage payment prior to XXXX. SPS informed me if I pay XXXX I can start paying my mortgage again. The XXXX incudes interest and fees from XX/XX/XXXX, which is from when the forebearance began. I didn't make any money from XX/XX/XXXX to XX/XX/XXXX. I was put on medicaide and received food stamps plus got a LHEAP grant of {$500.00} for my elctric. This company is unscrupulous and intentionally deceitful with it's actions.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

My vehicle was stolen around a year ago and the auto loan was paid for by my insurance company. I was given a final settlement amount, which i paid in full, and then was told that this account is closed and complete. I later noticed that this account was destroying my credit score as the account was listed with 2 charged off payments in the months following the theft ( XX/XX/XXXX./XX/XX/XXXX. 2020 ). I contacted the loan company many times ( 20-30 times by phone ) and was transferred, hung up on, and many of the people I talked to were confused by my complaint. Finally, I reached someone who understood and would look into it. They later found out that there was a mistake on their end and they told me they'd fix the issue and send an updated report to the credit bureaus to fix my credit score. They also sent me documentation to show that the account should be closed in good standing ( no charged off payments ). This was months ago and my credit report has still not been updated/fixed even after multiple disputes with the credit bureaus and follow ups with the loan company. This has caused me to not be able to purchase another vehicle and have to push off buying my first house this year.
Consumer complaint received 2019-10-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (MD)

While purchasing a TV from HHGregg i have been making payments without fail until I noticed that my balance doubled recently when I called synchrony financial they informed me that the first two years was interest free for a promotional period and now the interests has been added to my loan almost doubling it with only a small balance remaining this was not explained to me and when I requested paperwork from them showing where I agreed to that she hung up the phone very unprofessional and fraudulent
Consumer complaint received 2019-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX is reporting incorrectly to Equifax a collection for XXXX XXXX XXXX partial account number XXXX - in the amount of {$2600.00}. ( Please see page 51 of the attached credit report. ) I resided at XXXX XXXX XXXX, XXXX, TX XXXX from XXXX to XXXX - well over 14 years ago. The name of this apartment complex now is XXXX XXXX. The apartment number noted on the collection is XXXX. Pursuant to the Apartment Lease Contract ( copy attached ), my apartment number was XXXX. Clearly they have attached this collection to the wrong unit number and wrong person. I never, in the past nor the present, received any documentation that this debt was owed by me or an itemization of what this debt consists of. This incorrect reporting by Equifax has just recently appeared on my credit report. This incorrect reporting of a collection is a violation of the Fair Credit Reporting Act, and is also prohibiting me from obtaining a new residence and is harming my credit score. I have contacted Equifax to have this line item removed from my credit report but I have not been successful.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX and TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} or XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} or XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}.
Consumer complaint received 2024-02-02
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)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I mailed a letter to Experian disputing information on my credit report. They received the letter and responded by sending me an email stating that they did not believe the letter came from me. I gave them a call the same day to let them know that i did indeed send the letter and that they needed to continue with the dispute process. The agent i spoke with then told me that they could not and i would have to file a dispute online or via phone for them to continue processing any disputes. I explained to them that they were violating my consumer rights and i did not want to process disputes online or via phone because that waives certain rights that I would only have from putting disputes into writing and mailing them. I asked to speak to a supervisor. I was told one would give me a call back within 24-72 hours. Here we are a week later and i have not heard from any supervisor. The same day of the phone call disputes were open only on 3 accounts. The letter i mailed in disputed 7 incorrect accounts. They chose 3 accounts to 'reinvestigate ' left the file open for a week and closed the disputes. I did not get proper investigation for any of the accounts that i disputed in my letter.
Consumer complaint received 2022-07-20
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (LA)

I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with XXXX XXXXXXXX Bank XXXX They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', and ''date of last activity ''. Please delete this incorrect and unverifiable information from my credit report.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

FTC Violations OCC Assesses {$60.00} XXXX Penalty Against XXXX XXXX, Orders Bank to Reimburse Consumers for Unfair Billing Practices Leading Debt Collector Agrees to Pay Record {$2.00} XXXX to Settle FTC Charges XX/XX/2011 FOR RELEASE A leading debt collection company has agreed to pay a civil penalty of {$2.00} XXXX to settle Federal Trade Commission charges that its aggressive collection techniques violated federal law. As part of its efforts to protect consumers affected by the struggling economy, the FTC alleged that XXXX XXXX XXXX, XXXX violated the FTC Act and Fair Debt Collection Practices Act. 
XXXX XXXX {$910.00} XXXX  XXXX {$130.00} XXXX XXXX   XXXX XXXX late flexible spending card XXXX {$210.00} XXXX XXXX XXXX  {$540.00} XXXX   XXXX  {$510.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$340.00} XXXX Inquiries : XXXX   XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX wrong names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Ct XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-01-11
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2021 Capital One ( Bank ) report a hard inquiry on my XXXX credit report, I have never apply for any financial product from this bank and also in that date I haven't had ssn yet so I was not able to apply to get any financial product. This is only being show in XXXX. I need this company to remove this inquiry from my profile.
Consumer complaint received 2020-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

thursday, XX/XX/2020 regarding : Loan Number : XXXX rearding : Shellpoint Mortgage Servicing ( Is An Illegal Company! ) dear XXXX XXXX, this is Illegal! 
this is FRAUD! 

they ILLEGALLY added {$4000.00} interest since the covid virus started on to myaccount without informing ME! 

furthermore, i am on a payment plan that was approved of ( during the coronavirus pandemic ) to pay those payments back in 3 payments as Double Payments and now YOU do this to me which is FRAUD! 

they are NOT supposed to be charging or adding on any ILLEGAL LATE FEES/PENALTIES due to being Approved for a CoronaVirus Payment Plan Program! 

{$4000.00} = interest and {$54.00} Per Diem they Now Added thesefraudulentamounts since the covid virus started on to MY Account and Mortgage Behind MY Back! 

https : //www.shellpointmortgageservicing.com/ # XXXX they EITHER need to SPEAK TO ME ABOUT THIS and solve the problem! 
OR I AM STOPPING THE PAYMENTS AND CONTACTING THE CONSUMER FINANCIAL PROTECTION BUREAU AGAIN and XXXX XXXX XXXX again! 

this is a Big Scam! 

i have taken pictures as well! 
YOU have the Worst Mortgage Company Ever! 

XXXX XXXX XXXX enclosed, please find the attachments from your website showing YOU the NEW, ILLEGAL FEES that YOU have ADDED ON recently! 

cc : Consumer Financial Protection Bureau cc : XXXX XXXX XXXX
Consumer complaint received 2021-09-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (AZ)

This is, you could say, a further attachment to the complaints cases XXXX and XXXX XXXX -- -Now closed -- -- In my attachments you will see the attorney general of AZ as this was my next step. It is important to read my response to the latest letter dated XXXX XX/XX/21 to the AZ Att. Gen.by the BBVA bank. The CFPB was on a quest to remove some the the restrictions on arbitration that large companies and banks use-in their favor to avoid a court case. You succeeded in implementing class action through congress. My case involves credit card fraud upheld by a bank. Arbitration clause does not state whether it is Binding or Non Binding type-? This is extremely important as they treat the arbitration as binding whereby you can't go into a court as the judge will uphold the decision made by the arbitrator. THIS needs to be stated in all terms and conditions. It is also noted that with arbitration the bank does not have to honor " Disclosure ''. In the last letter I wrote to the BBVA bank, I requested demands be answered -- -They totally ignored that in their response to the Att. Gen. Please read all attachments especially their XX/XX/XXXX response to AG .They made a false statement saying I gave them permission to use my personal account to pay off a fraudulent debit in a business account.
Consumer complaint received 2020-12-08
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. (NJ)

I HAVE HAD A CHNACE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-07-17
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. (CA)

Wrongful systemic institutional XXXX has, and continues to rear it's ulgy head, again!!! XXXX has erroneously inaccurately reported my account number XXXX as 90 day late which is incorrect for 2 reasons : 1 ). I am/have NOT been 90 days late, or in fact EVER 30 or more days late making my monthly payment. 2 ). Due to the current pandemic I have been under a forbearance agreement which has been extended a additional 2 months. Also, per the recorded legal verbal consent from the XXXX representative I was clearly informed that there would be NO late payment/s, nor late fee assessments reported to the credit reporting agencies! In addition I have NEVER been contacted, or communicated, nor notified to arrange any repayment plan, loan modification, or extension of the forbearance plan arrangement
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I placed an order with XXXX XX/XX/2020. Directly emailed them after placing the order for shipping information. They would not respond. So, I said if they will not respond please cancel my order. Then they responded saying that the items were out of stock and they're on vacation. All sorts of excuses. So, I said please cancel and give me my $ $ back. this is fraud at this point. It's been over a week and you can't tell me when I'm gon na get my items. So, I called my bank and had them, what I thought, credit my money back to my account for fraud being the case. then XX/XX/XXXX over a month later I get a package in the mail from XXXX. It wasnt even the items i originally ordered! I never ordered what was that in the bag. On top of that it wasn't even wearable, it was absolute garbage. But, None of that is here nor there because I canceled the order over a month and a half ago. Why can my bank not protect me? Isn't that what they're for for fraud like this? So, after calling the bank and trying to get my money back ( again ) they were trying to say that it was my fault that since I receive the package. but, this is a package that I tried to cancel and have proof of my emails and correspondence with the company ( and the bank ). If they had this information on XX/XX/XXXX and gave me my money back why would it take them over a month and a half to research to find out if it's pot or not? They just a lot of them the time to pack up some stuff that I didn't even order and send it to me with a tracking number. I thought my financial institution would protect me and they did not. It was XXXX. I did everything I could to try to get my money back the right way. Through sending the company over 11 emails with them. Then within a few days calling my bank and then having them try to help me. I feel like I'm not only getting robbed from XXXX but now From my own bank, that supposed to be protecting my $ XXXX Chase bank. The company is https XX/XX/XXXX
Consumer complaint received 2020-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received an email from XXXX XXXX XXXX stating that my loan for {$1000.00} was approved. I never applied for that specific loan. I logged onto XXXX XXXX and saw a connected checking account number from Bank of America. I do not have an account at Bank of America. I called to cancel at XXXX XXXX XXXX. I also called Bank of America to see if that account number exists. They refused to tell me and kept repeating that they don't have an account under my social security number. The account at Bank of America is fraudulent and whoever owns that account tried to steal money from me. I wanted to add that when I was on the phone with Fraud Department, they hung up on me. I called back, found out that the account does exist, and the fraud department absolutely refused to do anything about the customer that tried to take a loan out in my name and have the lended money deposited in their account. I have filed a police report, reported this to the FDIC, and the FTC. I need someone to do something about this, take it seriously, and investigate the account of the person who tried to steal from me. I have a screen shot from XXXX XXXX XXXX  with the Bank of America account number that does not belong to me. Please help and thank you.
Consumer complaint received 2020-07-17
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)

FTC Violations XXXX XXXX  {$380000.00} XXXX XXXXXXXX {$1200.00} XXXX Card {$5300.00} XXXX XXXX XXXX {$5200.00} XXXX {$1300.00} XXXX XXXX XXXX {$2000.00} Inquiries : XXXX XXXX XXXX XXXX Please remove addresses : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2020-07-17
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. (TX)

FTC Violations XXXX XXXX {$380000.00} XXXX XXXX {$1200.00} XXXX Card {$5300.00} XXXX XXXX XXXX {$5200.00} XXXX {$1300.00} XXXX XXXX XXXX {$2000.00} Inquiries : XXXX XXXX XXXX XXXX Please remove addresses : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (AZ)

On XX/XX/2019 I was fraudulently over charged on my credit card for {$2100.00}. I notified the credit card provider, Barclays, and disputed the charge. Barclays acknowledged the complaint but never reversed the charge or processed the dispute.