davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

We were in a bankruptcy in XXXX, we paid off in XXXX, XXXX failed to pay 6 months of payments to SPS so we have tried to work with them to modify the loan for the past two years. The only modification they would offer to catch up the {$2400.00} was to double the amount of payments owed and take the amount we owed from {$18000.00} to {$34000.00}, doubling what we owe. They have held us XXXX with the preditory lending by only offering this modification ( 3 times ), in order to catch up these payments was to agree to double what we owed them. We have spoken with several of our relation ship managers who have told us to just offer them something since they wrote off this loan when it was dismissed in the Chapter XXXX. Is it legal for them to collect on a loan that they have written off to the IRS? 

We were in the process of trying to refinance and SPS told me that they wo9uold never let us out of the loan and that is what they did. Our refi was denied in underwriting due to SPS.
Consumer complaint received 2022-08-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-06-30
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)

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$93.00}, XXXX Date XXXX Opened : XX/XX/XXXX Balance Owed : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$590.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date XX/XX/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 2021-10-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (PA)

My vehicle was involved in a flood a natural disaster. I had my vehicle financed. I had insurance as well as gap insurance. I was told by Credit Acceptance on 2 separate occasions that nothing would be owed on my end only to for them to mark me as late on a debt that was supposed to be cleared. They mark me late every month on loan that I know longer have and it has literally killed my credit. They have not closed the loan out at all like they should have and it has been over a year now.
Consumer complaint received 2022-04-15
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. (NJ)

XXXXXXXX XXXX XXXX, is furnishing inaccurate and incorrect information to the consumer reporting agencies reporting an alleged account reported as a charge off on my consumer report, but counted as income according to the IRS. The IRS Clearly defines a canceled debt or charge off as gross income in which one has to report when filing taxes ( attached ). INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account as a debt inaccurate! 
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 and the responsibilities of XXXX XXXX XXXX as a furnisher of information. 
15USC 1681 S-2 says XXXXXXXX XXXX XXXX is, a furnisher of information to a consumer reporting agency. XXXX XXXX XXXX is PROHIBITED BY LAW to furnish inaccurate information. 
15 USC 1681 S-2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 USC 1681 S-2 ( A ) ( 1 ) ( A ) ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I have shown XXXX XXXX XXXX and put them on notice that they are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 and of their responsibilities as a furnisher of information. 

Also, XXXX XXXX XXXX did not send me the 1099C form related to this alleged account. XXXX XXXX XXXX has caused me to potentially commit fraud against the IRS by not reporting this account as income on my income tax returns. I have written to the IRS about XXXXXXXX XXXX XXXX and their failure to furnish forms and the attached correspondence has been forwarded to the IRS as well. 
I will not hesitate in bringing legal action against XXXX XXXX XXXX for Violation of My Consumer Rights and Defamation of Character. I reserve the right to sue for violations of my consumer rights pursuant to 15 USC 1681n as indicated under both the FDCPA and the FCRA.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OR)

My information was shared without my consent and obtained in a way not allowed by law. 
I sent my first letter off XX/XX/XXXX, second letter on XX/XX/XXXX to remove accounts that are violating my rights and to remove inaccurate personal information that I do not want on my credit report, and third letter XX/XX/XXXX with an identity theft report and inaccurate personal information that the credit agencies are refusing to remove According to 15 usc 1681 I have the right to privacy and confidentiality.

Also according to 15 usc 6802, a financial institution is not allowed to share any of my private non public information with a non affiliated third party. 

These are clear violations of my rights as a federally protected consumer under title 15 chapter 41
Consumer complaint received 2024-10-14
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. (GA)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2021-01-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Professional Debt Mediation, Inc. (TX)

I have a debt of {$2000.00} from XXXX XXXX XXXX  the account was given to the debt collectors on XX/XX/XXXX. I never received written notice and was not served a eviction notice due to my lease at that time was up in XXXX of XXXX and gave them 30 day notice that I would be moving out to go back to live with family due to their health condition. I was never contacted about any money owed until I was made aware from a car dealership that my credit score did not make be eligible for the vehicle I was trying to get at the time.
Consumer complaint received 2023-03-22
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)

I continue to receive vague reinvestigation statements from XXXX. Investigator noted that everything was 100 % accurate and complete. I would like to receive the description in accordance with 15 USC 1681i ( 7 ). This account is not accurate : XXXX XXXX XXXX XXXX XXXX The investigator did not delete or remove the inaccurate information from my consumer report in accordance with 15 USC 1681i ( 5 ) ( A ) ( i ). In XX/XX/XXXX, the XXXX Dispute Department Supervisor " XXXX '' informed me that it was not within the Bureau policy to send me a copy of my credit file or method of verification, according to 15 USC 1681 Section 611A and Section 623B of the FRCA states otherwise, however he did manage to send me yet another copy of my credit report instead. I also contacted XXXX in XX/XX/XXXX with a dispute, in XXXX XXXX sent a letter CASE No XXXX file dispute date : XX/XX/XXXX stating " in accordance with the FRCA 15 USC 1681 et seq, the disputed file has been removed ''. On XX/XX/XXXX, I disputed the inaccurate credit file from XXXX XXXX XXXX with Equifax ; the Representative from the Dispute Department initiated two case numbers. CASE No XXXX through Equifax Credit Bureau and CASE No. XXXX FTC complaint.
Consumer complaint received 2021-02-01
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. (VA)

RE : Complaint # : XXXX As of XXXX XX/XX/XXXX XXXX XXXX XXXX has failed to close the account in its database and continues to report 30-day late payments for the months of XX/XX/XXXX and XX/XX/XXXX with XXXX credit bureau, 30-day late payment for the month of XX/XX/XXXX with Trans Union and XXXX  credit bureaus. XXXX  XXXX XXXX reasserted that there was no record of a payment which I had logged into its mortgage database on XXXX XX/XX/XXXX and scheduled to bed withdrawn from my checking account on XXXX XX/XX/XXXX, and which Ms. XXXX XXXX the bank 's Short Sale representative later advised to be canceled because I was no longer required to submit a payment while awaiting closure after the sales contract was accepted by the bank ( see attached copy of payment confirmation receipt ). Consistent with my payment history with other lenders I have never missed or made any late payment with that account. I respectfully request that XXXX  XXXX XXXX officially close the account effective XXXX XX/XX/XXXX. Proofs of on time payments previously submitted to XXXX  XXXX XXXX and the three credit bureaus on multiple occasions pertinent to inaccurate reports filed by XXXX  XXXX XXXX regarding payments made to the bank between XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2023-03-22
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX, XXXX # XXXX : XXXX XXXXXXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX xxxx # # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I contacted my lender requested mortgage retention assistance and was redline denied stated my investor had no assistance for my type of loan which discriminated me and I contacted my I vestor after looking on the mortgage Electronic Registration Recording and was told they were not my investor and if they were would helped me. 

I am being scammed out of my property I have owned since 2007 because I have mi insurance which the investor will be paid in full for my loan if they foreclose. 

I asked my Servicer the number to my investor and could not give me the number.
Consumer complaint received 2021-08-25
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. (OH)

On XXXX XXXX I sent in letters regarding inaccurate reporting false items on my credit report and I have not received a response yet. I feel like I'm being ignored on my disputes. This deceptive practice by the bureaus.
Consumer complaint received 2021-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (IL)

BBVA bank were supposed to submit a claim after my debit card number was stolen off of XXXX by XXXX employees. I submitted the claim on XX/XX/2020, and the rep told me he turned my debit card off permanently so no one could use it again and he claimed he ordered me a new card. A month went by and I called back to find out why I was still seeing charges to the old card, and why my account was negative, it was because they never Actually submitted the claim and instead ignored my claim and told their boss that they did not turn it in because they needed to update my address- which was a lie, they thought I forgot and tried to sabatoge my account, stole my closed card, and tried steal my claim from me.
Consumer complaint received 2022-07-31
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. (DC)

EXPERIAN is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given EXPERIAN permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, EXPERIAN are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) XXXX ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2022-08-15
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. (TX)

I sent two rounds of letters to XXXX asking to fully validate the following accounts. 
XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX  XXXX {$1300.00} XXXX  XXXX XXXX XXXX XXXX {$750.00} These accounts still remain after asking for debt to be fully validated within the thirty days as required under the FCRA 609/611 provisions and should be deleted as of now.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To Whom it May Concern According to my most recent credit report, your company is currently reporting That I applied for credit with the listed below organizations. I did not grant them authorization to review my credit report. 
The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept these inquiries. If a signed authorization can not be found please remove these inquiries from TransUnion. 

I have listed the inquiries below : XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XX/XX/2020
Consumer complaint received 2021-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (RI)

Dear XXXX / XXXX XXXX XXXX ; Balance for {$57.00}? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.