davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

During a period of financial hardship, we were unable to pay an increase of mortgage. We attempted to sell. SPS constantly gave conflicting statements and repeated request for duplication of forms and paper work. We received three offers to sell ; but all were denied. We requested a short sale option, but offers were denied. We also attempted to request a deed in lieu of foreclosure also denied. We contacted the attorney representing the foreclosure sale to request a postponement in order to allow for time to complete a sales offer received, but that was denied. Our RE agent, XXXX XXXX, will be our witness to the frustration and confusing correspondence we suffered while dealing with SPS, Inc. During that time, neither she nor I ever spoke to the same person twice, and none of the representatives we communicated with were familiar with or knew anything about the situation we were attempting to resolve. Every phone call ( at least 2-3 a week ) required us to explain the entire situation over and over ; without any probability of a proposed solution. I have documentation of over 600 pages to support our complaint, including all letters and requests sent to us, repeatedly asking to duplicate information, all offers and contracts from our real state agent.
Consumer complaint received 2021-02-25
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Student Loan Financial Assistance (GA)

I have repayment of my Student loan with : Student Loan Finacial Assistance https : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX XXXX : XXXX However, I have been unable to contact anyone that works for the organization. They have been retrieving money from my Bank Account monthly for about 2 years. 

I would like some one to call me because I will be returning to school in XX/XX/2021. 
I am also contacting my lawyer regarding this issue. 

I have also reported them to the XXXX XXXX XXXX
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Attention Consumer Financial Protection Bureau, now this is the way will do this, your role is to investigate Fraud. Ok here we go, Transunion is committing Fraud, there 's an account XXXX XXXX XXXX XXXX showing an balance of {$26000.00}, acct number XXXX ... ... ... .Auto Loan. XXXX XXXX XXXX XXXX mailed me a XXXX copy of the submission date of this Pay-off, XX/XX/XXXX. What Transunion is TRYING to do, and notice I said Trying to do is sabotage my Credit Score, and show high Debt-to-Income Ratios that effects Adjusted Gross Income PERCENTAGES, I 'm not a XXXX, Transunion is committing FRAUD. Now if you, CFPB are refusing to investigate, I will call, and call the Director XXXX XXXX XXXX office as an advocate for Consumer Justice for XXXX AMERICANS. I 'm certain that the Consumer Financial Protection Bureau is n't participating in this FRAUDULENT effort by Transunion. A lot folks seem jealous, XXXX I brought a new truck, the XX/XX/XXXX XXXX was paid off, real Real simple XXXX XXXX XXXX paid TRUCK off, there is a XXXX Balance, TRANSUNION IS COMMITTINGFRAUD, and I would ask that the Consumer Financial Protection Bureau step in " NOW ''! 
Also these XXXX have created a XXXX account that showing twice, they 've closed this CREDIT CARD account and this is hurting my credit score by XXXX to XXXX points. 
I 've contacted XXXX and they are sending me a letter stating that they are only reporting XXXX XXXX account, period, these XXXX XXXX are again attempting to sabotage my credit report, credit score to STOP THE FLOW OF CREDIT, FOR WHICH THEY WO N'T STOP! Listen up CFPB, I will continue to contact you via complaint internet until you folks investigate and I will starting calling XXXX office for assistance. I called XXXX office x-President of XXXX XXXX XXXX and it yielded2 % mortgage, XXXX Principle FORGIVENESS, I 'm an ADVOCATE FOR XXXX XXXX XXXX and I want stop Fighting, never will I allow Creditors to undo what XXXX XXXX, Congressman and Senator XXXX did for Consumers, NO NONOT ON MY WATCH, again I 'm a FIGHTER. Oh and Tell Transunion I 've just done another EQUITY Loan with XXXX to PAY OFF all credit cards, I 'm bring them down to a XXXX BALANCE AND THERE IS NOTHING, NOTHING THAT THEY CAN DO ABOUT! 
THIS will decrease DTI do to 17 %, WOW, WOW! 
Calling on you folks at the Consumer Financial Protection Bureau, let 's FINE these CROOKS TRANSUNION, Calling on your HELP! 
Bottomline CFPB, next response is that you folks have evidence from Transunion stating that ... ... ... XXXX XXXX XXXX XXXX states that this Auto/Truck is n't PAID-OUT realreal simple, the Question will be, does CFPB have evidence from TRANSUNION showing BALANCE NOT PAID OFF YES OR NO, Real simple! Also have them to submit to you CFPB DOCUMENTS showing that I have XXXX ... ... ... ... XXXX, Real simple HAVE TRANSUNION produce XXXX XXXX XXXX reporting. I 've not close my XXXX account these XXXX are hurting my credit score by about XXXX to XXXX spread points give or take XXXX to XXXX points calculations.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (TX)

I applied for the Wells Fargo " BILT '' credit card when I was offered XXXX interest charges for the first 6 months of use. I was approved and began using the card with the understanding that I had to use it at least five times each month in order to receive the " rewards points '' generated by my monthly rental payment. The first statement I received showed interest charges added. 

Upon calling Wells Fargo customer service, I was told that I " did not qualify for XXXX interest charges ''. I then protested that no mention was made of this upon my notice of approval. The charges were then reversed, as were subsequent charges. 

I then cancelled the account, but my credit rating was reduced by 30 or 40 points as a result of all this misrepresentation. It seems that Wells Fargo is up to their usual shenanigans once again.
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of XXXXXXXX XXXX, XXXX  XXXX aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the XXXX major credit bureaus and found that this CAPITAL ONE was reporting to be negative on the XXXX Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus and the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( CAPITAL ONE XXXX )
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX has violated XXXX laws and have reported late payments on my consumer report which is illegal and they reported while the accounts was in dispute. 
I have spoke with XXXX XXXX XXXX XXXX numerous times to get this issue resolved but haven't had any luck to getting this matter resolved. I have been disputing my auto loans with XXXX XXXX XXXX XXXX since early 2022 and haven't got any results.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021 I went into XXXX XXXX in XXXX XXXX, CA. I requested a quote and asked to be sure my credit would Not need to ran to get me an estimate. This was confirmed with sales associate XXXX XXXX XXXX, who assured me it would not be ran. 
My credit had a hard inquiry pulled by XXXX XXXX the same day XX/XX/2021. 
When i brought it to the attention of the Manager XXXX XXXX, he went on to acknowledge the mistake but made no attempts to fix the error. 
I DID NOT sign any paperwork authorizing a credit report be taken. 
In turn, i have since gotten a negative effect to my credit score.
Consumer complaint received 2015-11-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was charged {$140.00} in overdraft fees on four transactions on XXXX XXXX, 2015 by Bank of America. I had {$53.00} in savings account linked to overdraft protection. The transactions came in the following order {$350.00} first, {$25.00} second, {$25.00} third, {$2.00} fourth. Money from savings account did not apply to XXXX transaction.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I have paid off my XXXX XXXX 's consumer loan accounts and XXXX XXXX as of XXXX/XXXX/2015. It 's been over 5 months and the credit bureau still shows a balance. The creditor has sent me letters stating that all accounts have been paid in full but the credit bureau still decides to report inaccurately. I want to sue this company and seek damages. 

Please help me anyway that you can to bring this criminal company to justice.
Consumer complaint received 2021-02-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (CA)

Hello, I have received a notice from True Accord about making amends to a debt that was previously established by me. The account is reporting negatively on my credit. I was offered a settlement through email and given 6 months to make payments. I want to make an offer which is greater then what they offered me in a single payment. I am requesting a payment for deletion. I have sent emails as well as the company that is assisting me with the ordeal .... its been over a month and no one is getting back to us. I have spoke to someone via email name XXXX and XXXX. Again, I would like to pay the account but no one is getting back to me and the account is still reporting negatively on my credit. The account number is XXXX I am reaching out to you in hopes that you have another way to reach someone.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (CA)

To whom it may concern, I created an account to monitor my credit and was surprised to see that I was impacted with a 30 day late hit with the credit bureau XX/XX/2019 which has greatly impacted my FICO score ( s ). I have been a long time customer of Macys with perfect payment history. This blemish was due to a result of not receiving a billing statement in the mail. Once alerted, it was corrected immediately. I had no idea my credit was impacted. I value my credit and relationship with Macys and hope that during these uncertain times they will reverse the XX/XX/2019 30-day late hit with all credit bureaus to restore my credit profile.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

Multiple disputes filed with my financial institution Chime for transactions that weren't authorized. Multiple times I have called to dispute unauthorized transactions on my account to only be told that the transactions were authorized a d I had lost the disputes. No information is provided how they determine the transactions were authorized. I can promise you they were not and I never recoup my funds.
Consumer complaint received 2018-03-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Selene Finance LP (CA)

Selene Finance LP is the current loan servicer for my HELOC loan converted to a interest and principal loan in XX/XX/XXXX. In XXXX I received a notification that the ownership of this loan had been transferred from XXXX XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX with Selene Finance as the servicer. I never received any correspondence, i.e. welcome letter, account statement, etc. from Selene. After numerous phone conversations with Selene 's representatives I was finally able to obtain the amount of my XXXX interest and principal payment and it was drafted over the phone by XXXX for {$1500.00} ( confirmation number XXXX ). This was deducted from my checking account on XX/XX/XXXX. I have since received two collection calls regarding my " past due account '' because this payment is " in suspense '' and has never been applied to my account. I called XX/XX/XXXX to obtain the amount of my XXXX payment and was told by XXXX it would be {$2100.00} due to the 59 days accrued interest for the " missed '' XXXX payment. I explained I had been told the funds were " in suspense '' three weeks ago and it was to have been rectified. He said he would have a supervisor correct it and call me with the correct payment amount. After not receiving a call back, today I spoke with XXXX who said the amount still had not been applied to my loan and I should pay the 59 days in accrued interest and the XXXX payment ( {$2100.00} ) and it would be " sorted out '' by my next payment. I refused, he then checked with a Manager and said to pay just the 59 days in incorrectly accrued interest instead. Again I refused, if I paid that amount I would still owe the principal and interest for XXXX. He couldn't grasp the concept but I paid {$1500.00} over his protests ( confirmation number XXXX ). I asked again to have a supervisor contact me ( they are unavailable ) and he said he would make a note. He informed me they were waiving the phone payment charge of {$12.00} and I asked how was I supposed to pay since they didn't have a dollar amount for me to send a check and I can't access my account online. He had nothing to say. I am very displeased with the way my account is being handled and the failure to have a manager or supervisor contact me per my request.
Consumer complaint received 2021-10-08
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 — Was not notified of investigation status or results
Company: Franklin Collection Service, Inc. (FL)

XXXX XXXX I mailed a certified dispute letter to FRANKLIN COLLECTION SERVICES and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 200 complaints on XXXX  they also have over 300 complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX is reporting the following accounts inaccurately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My debt, which was an electric bill has been paid off for over a year I have called the electric company, national grid, and I have called the debt collector and still my debt has not been removed or marked as paid on my credit report. It is the only debt I have and it is stopping g me from moving forward. They have not helped me at all, so I was hoping you could.
Consumer complaint received 2015-07-31
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (MO)

On or about XXXX XXXX, 2015. Ally Finance repossessed my truck at XXXX days late payment and charged me XXXX payments and tow fees prior to my loan being XXXX days late. They refused to give me any paper work pertaining to the repossession or explain their policy. The contract is not clear as to a time limit for bring late on payments that will push you in to default status. Ally then failed to see my property was returned to me once I payed the money owed and fees. The company they sent to recover the truck was overly aggressive and scared my family as my family felt they were more the victims of a home invasion. The recovery company pulled excessively hard on my front screen door and brutally beat on it. Then proceeded to yell at me in an obvious attempt to incite a negative response and incite may-ham. I had to tell XXXX the owner of the recovery company XXXX '' I can hear you stop yelling all over the neighborhood ''. 

After paying the requested amount of money to Ally. I was not able to recover my truck and was made to wait while the recovery company owner repeatedly lied about getting the release letter for my property. I was unable to recover my property from them until or about XXXX XXXX, 2015
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

No matter how i try i am unable to get my Equifax report or access to their site. Even if I go through another credit site I can not get my report. I tried going directly to Equifax and calling numerous times but no human ever answers. I have used my original sign in that for some reason no longer works and tried numerous times to reset my password but was told to call a number to speak to someone. No one ever answers the phone, just recordings. 

I even went through a verification process and had them send me a code to my home address. It did not work and I could not reach a human being on the number they provided. 

The really annoying part is that I am one of those people who had their identity compromised by their security breach. I was promised years of free credit reporting and that was even before their major security breach in which I was suppose to receive more compensation. I realize that huge case has not been settled but I had one before that due to Equifax having multiple breaches. 

It is ridiculous that I am denied access to my credit file due to their negligence, they reneged on their compensation and no one at their company ever answers the phone. I have done everything I can to resolve this.
Consumer complaint received 2021-08-10
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. (FL)

on XXXX i sent this credit bureau a dispute letter concerning the validity of accounts that were inaccurately reported on my credit report. To this date they failed to validate the dispute accounts. the disputed accounts are invalidated and inaccurate, if they cant prove me or show me a method of verification, these accounts need to be removed off my credit immediately. I am very stressed about the situation and i take my credit very seriously. this is a defamation of character and i want them to take action now by simply delete these accounts.
Consumer complaint received 2022-01-20
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. (SC)

I Tried reaching out to this Bureau several times about accounts that are reporting on my credit that do not belong to me! this information is fraudulent and i want it investigated and removed from my credit report.
Consumer complaint received 2015-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

after applying for a short sale with Wells Fargo my client received the written short sale approval which I have attached. in compliance with the approval we found a buyer that met the requirements set forth in the letter. Subsequently I received an email from the negotiator that there had been changes to the XXXX guidelines and that the minimum net proceeds were increased. when I emailed that I had the XXXX she said she would have management review and approve the sale the way I submitted it. Later I received an email that the file was approved and I would receive the approval. that email is also part of the attachment. since then I have called numerous times and been told the file is still in review. This is outrageous and actionable. I need someone to open a case into the information Wells Fargo is providing to consumers based on their inability to pay and the outright lies being perpetrated on their borrowers
Consumer complaint received 2017-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

DITECH, AND XXXX ARE ATTEMPTING TO SALE MY HOUSE ON XX/XX/XXXX ON THE COURTHOUSE STEPS. THE ASSIGNMENT THAT IS BEING USED IS ROBO SIGNED, THE ASSIGNMENT WAS CREATED AFTER THE CUT OFF DATE OF THE TRUST. THE ASSIGNMENT IS FRAUDULENT
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX is a third party company that brought the debt from old navy. The old navy credit card limit was XXXX. This information was reported to XXXX and XXXX  and the information is online at XXXX XXXX. All 3 creditors on my credit report stated the credit balance was XXXX. I had made several attempts to try to resolved the issue. However, XXXX XXXX is making it very hard. They are using information that was reported inaccurately. Information from XXXX XXXX and my free credit report will be attached to this report. The credit card was opened on XX/XX/XXXX in which the writer highest amount charged was XXXX this is why the writer offered to pay XXXX because late fees. The credit card was closed on XX/XX/XXXX. This credit card is 6 years old.