davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I sent a dispute about several unauthorized inquiries that appeared on my credit report. According to my most recent credit report, there are several inquiries made by numerous companies that I do not recognize nor have authorized. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these inquiries and remove them from my credit report as soon as possible. 

I have also checked my own records and do not have any accounts or applications with these companies. Therefore, I find it unusual that there are inquiries made in my name. 

Please provide me with written confirmation that these unauthorized inquiries have been removed from my credit report. I also request that you inform me of any actions you take regarding this matter. 

Thank you for your immediate attention to this dispute. 

Sincerely, XXXXXXXX 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 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 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 2024-12-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (LA)

my original lender was figure lending I made a heoc loan in XX/XX/year> for XXXX the payment was {$340.00} a month. I was out of work and request assistance I received a 6 month deferent in which I was told would be moved to the end of the loan. after deferent period I was told I was suppose to pay a six month payment on th the following month after six month deferment. I requested a modification the loan was transferred to XXXX XXXX XXXX XXXX. I request hardship in which I was told I did not qualify for modification with no reason why. I was also told my payment was XXXX with no explanation. Before this hardship packet could be processed it was transferred again. the new holder is shell point Mortgage company They are saying that I and not available for modification and my payment is now XXXX and my balance is XXXX and I have an escrow when I asked why they said they paid my past due taxes in which no payment has been made. they ever also charging me for lender placed insurance when the life of the loan I have been insured. Even with escrow and they paid the insurance premium. I still have been charged for lender placed insurance and insurance and tax payment in an escrow account. I have asked for modification and harship I was told to XXXX to be put in firs payment plan at XXXX a month but now one could tell me why I was going to have to pay this much and for how long when my original payment was XXXX. No XXXX can tele how I can get to paying XXXX. Now I am being told to get a payment plan I have to pay XXXX down and XXXX a month and n one has contacted be back to resolve.I requested a call from agent over my loan. I just received called from another rep stating she is not available. I have not received any notices of these changes to my loan I did not agree to I have also submitted XXXX complaint to XXXX XXXX about these issue with no resolution.
Consumer complaint received 2022-08-22
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: Experian Information Solutions Inc. (FL)

CFPB + Experian + XXXX XXXX XXXX XXXX, On a recent review of my credit reports I discovered your company pulled my credit on Experian without my written authorization on : XX/XX/2021 I request that you mail me a copy of my signed authorization forms that gave you the right to view my credit within 5 business days of receipt so that I can verify its validity. 

If you can not provide me with proof that I authorized to view my credit report, then I am demanding that you contact Experian immediately and have them remove the unauthorized hard credit inquiry. 

Please send me a written confirmation that you have complied with my requests. 

I fully expect this unauthorized credit inquiry to be removed from Experian immediately as you will not find my written authorization as I did not give it. 

Your failure to act will be this matter being referred to the Attorney Generals Office. 

I can be reached at the mailing address on this letter and expect this resolved within 30 days or less of receipt. 

Thank you for your attention to this urgent matter. 

Attached to this complaint are : - copy of drivers license - copy of social security card - copy of address - snapshot of unauthorized credit pull
Consumer complaint received 2022-06-07
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX  # XXXX, DP OF EDUC # XXXX, DP OF EDUC # XXXX, XXXX # XXXX, DP OF EDUC # XXXX, XXXX # XXXX, XXXX # XXXX, DP OF EDUC # XXXX, XXXX # XXXX, DP OF EDUC # XXXX, DP OF EDUC # XXXX, DP OF EDUC # XXXX, DP OF EDUC # XXXX, DP OF EDUC # XXXX, DP OF EDUC # XXXX, DP OF EDUC # XXXX, DP OF EDUC # 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
Consumer complaint received 2024-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: FIRST NATIONAL BANK OF OMAHA (DC)

I applied for a credit card through XXXX XXXX. The application was forwarded to First National Bank of Omaha. Who they called to verify some information. They asked me over the phone to share a copy of my ID and SSN card. I asked them if they would share a secured link to share my document. They said no. They provide an email to send the documents. Again, I told them that I'm not comfortable sharing my ssn card over email. A day later, they called me to send it. I called the bank to verify if it's the standard procedure. After a long call, they said it was. I contacted CFPB to double-check if it is the standard procedure, to which they said no. The requirement is only for the SSN, not the physical card.
Consumer complaint received 2024-12-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Select Portfolio Servicing Regarding Escrow Mismanagement and Predatory Practices Dear CFPB, I am writing to formally file a complaint against Select Portfolio Servicing ( SPS ) for their egregious mismanagement of escrow funds, failure to meet their contractual obligations, and predatory servicing practices that are jeopardizing my property. 

In the loan document provided ( dated XX/XX/XXXX, from XXXX XXXX XXXX XXXX ), Section XXXX.04.3 specifies that the lender is responsible for holding escrowed funds to pay property taxes and insurance premiums on time. Despite this clear obligation, SPS has failed to fulfill these responsibilities. 

Failure to Pay Property Taxes on Time : SPS did not pay my property taxes on time, resulting in penalties that I was forced to pay out-of-pocket. This is a breach of the escrow agreement and has caused undue financial harm. 

Mischaracterization of Insurance Obligations : On XX/XX/XXXX, at approximately XXXX XXXX, I spoke with XXXX, a representative from SPS. He claimed that the escrowed funds were for " risk insurance '' rather than " property insurance. '' This distinction is deceptive and appears to be an intentional effort to evade their obligation to pay for my property insurance policy ( XXXX XXXX, Policy Number XXXX ). 

Potential Risk of XXXXosing Insurance and Property : SPSs failure to pay property insurance premiums on time risks cancellation of my insurance policy. This not only exposes my property to significant risk but also appears to be part of a pattern of predatory servicing practices designed to cause financial distress and potentially force foreclosure. 

These actions represent a direct violation of the terms outlined in the loan agreement and may also contravene federal laws governing fair and responsible mortgage servicing. 

I am pleading for your assistance in addressing this matter. SPSs practices are harming me financially and emotionally, and I fear they are putting my property at further risk. I request the CFPB to investigate SPS for : Mismanagement of escrow funds, Non-compliance with contractual obligations, Unfair and deceptive servicing practices, and Predatory tactics that could lead to loss of insurance or foreclosure. 
Please find attached the relevant portions of my loan agreement and additional documentation substantiating my claims. 

Thank you for your time and attention to this matter. I look forward to your response and am available to provide further information or clarification as needed. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (CA)

XXXX XXXX original creditor. I have no idea who these people are. i do not nor have I had any internet / cable or phone services with them. I have had service with frontier for the past 5 years. On XXXX XXXX XXXX  sent incorrect and wrong person information to three credit bureaus reporting I own {$530.00} and my account opened XX/XX/XXXX On XX/XX/XXXX XXXX  lAGAIN sent incorrect information to XXXX XXXX that I owe {$530.00} XXXX filed a complaint with XXXX, XXXX and XXXX credit bureaus and they removed and deleted the information from my credit report. WELL HERE WE GO AGAIN. XXXX XXXX Southwest Credit Systems has reported I owe {$530.00} and my account opened on XX/XX/XXXX. MOST ALARMING NOW IS SOUTHWEST CREDIT SYSTEMS XXXX I MADE A RECENT PAYMENT OF {$140.00} WHICH IS NOT CORRECT. I REQUEST ALL INVOLVED IN THIS MATTER LISTED IN MY COMPLAINT TO PROVIDE SUPPORTING DOCUMENTS. THIS HARASSMENT HAS TO STOP THANK YOU XXXX XXXX
Consumer complaint received 2022-11-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DE)

On XX/XX/2022 Rushmore Loan servicing told me that my home was not up for sheriff sale despite phone calls I was getting from 3rd parties. This was not accurate and I was told this on a recorded line. 

They are of no assistance at this point and I am forced into a corner with my home.
Consumer complaint received 2022-12-01
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Action Revenue Recovery, LLC (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2022-11-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: TD BANK US HOLDING COMPANY (PA)

TD Bank company filed a lien against me in the court of common pleas of XXXX XXXX This debt does not appear on my credit report TD Bank has not provided proof of debt, time of debt, or proof of payment of debt.
Consumer complaint received 2022-06-07
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Spring Oaks Capital, LLC (LA)

SPRING OAKS CAPITAL has placed a derogatory account on my credit report. I sent for the debt to be verified as I have never done business with this company before. After I disputed the information it came back as validated but I was not provided an explanation of how the debt was validated. The company is also showing that the account is open and active and that is incorrect as well. I have never opened an account with them and it is inaccurately reporting on my credit report resulting in a lower credit profile.
Consumer complaint received 2022-07-02
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: Experian Information Solutions Inc. (MD)

I did not make any of these inquiries XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XX/XX/XXXXInquiry date XX/XX/XXXX Business type Department And Variety Stores- non specific XXXX XXXX XXXX Inquiry date XX/XX/XXXX Business type Bank Credit XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Business type Bank XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Bank Credit Cards XXXX XXXXnquiry date XX/XX/XXXX Business type XXXX XXXX ( Reseller ) XXXX  Inquiry date XX/XX/XXXX Business type XXXX XXXXXXXX ( Reseller ) XXXX XXXX  Inquiry date XX/XX/XXXX Business type Auto Financing Companies
Consumer complaint received 2024-08-27
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. (NY)

Delete these accounts and inquires ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (IL)

XXXX XXXX XXXX  XXXX my lender ) sent a notice of escrow shortage with their XX/XX/year> statement. I responded with a letter XX/XX/year>, and advised them my escrow account was over, XXXX at the time. 

My monthly payment was increased {$130.00} to {$1400.00} starting XX/XX/year>. My account statement XX/XX/year> shows the current {$1600.00} balance before I made the XXXX payment today. 

XXXX XXXX taxes are XXXX per year, which have been paid. I've paid {$6700.00} to escrow this year before today and that payment will take me over {$7000.00}. 

Also, my senior exemption of {$500.00} is not reflected in the current statement. 

Please review their bookkeeping and take the appropriate corrective action. 

Thank You,
Consumer complaint received 2022-10-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IA)

In XXXX I received a call from Nissan saying that if I didn't bring my account current in 60 days they would mark the payment as delinquent. I made a payment within the 60 day window and I still have XXXX delinquent marks on my credit. Please ask for the recorded audio in XXXX because the rep told me it was 60 days not XXXX. 

I called in a second time and that representative basically told me the first woman I talked to was lying. 

Because she gave false and misleading information I would like those XXXX delinquencies removed from my credit.
Consumer complaint received 2022-11-21
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: Fidelity National Information Services, Inc. (FNIS) (CA)

There are two banks that I have provided to them that was identity theft and the fail to remove them they are the XXXX XXXX XXXX XXXX and XXXX XXXX. I have provided them my ftc report that Im attaching again to this complaint.
Consumer complaint received 2022-07-02
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: Bread Financial Holdings, Inc. (FL)

Back in 2017, Comenity bank closed my Express card with no consent or knowledge from me.

This led to me not being able to make payments on the account. This then led to the account going late multiple months then to a charge off. 
Even after talking multiple times to their overseas customer service departments, with no help. They would only say things like " the account is closed, we cant help you '' or " wait till it goes to collections ''. 
For the last 5 years this account has HAUNTED me and my credit reports. Making it still so I can not obtain proper credit or even a mortgage.
Consumer complaint received 2024-08-27
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP (MN)

Just received unsolicited card. See attached I've been reading about scams increasing this time of year. 
I don't want the card and am very concerned about my personal data the sender already has. 

Please see attached
Consumer complaint received 2022-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (AL)

My original mortgage was from XXXX XXXX XXXX. When my aunt died, I became her Executive of Estate and put the mortgage in my name in XX/XX/XXXX. A representative from the mortgage company came out to my office, and I signed the paperwork to switch the mortgage over from my aunt, XXXX XXXX name to my name. I received a letter a few months later saying that I owed {$2500.00} for negative escrow. My mortgage was sold to XXXX Mortgage and now to Selene Finance. I received a letter from XXXX in XXXX of XXXX that I owed mortgage payments from XXXX. I sent in proof from my bank that all mortgage payments from that period were paid. XXXX XXXX  XXXX sold my mortgage to Selene Finance in XX/XX/XXXX. I started making payments with Selene Finance in XXXX of XXXX. All of my payments that I have paid this year have been going to Selene Finance for payments back from XXXX to XXXX XXXX  XXXX for balances that were already paid. I paid Selene Finance a lump sum payment of {$5000.00} from XXXX XXXX XX/XX/XXXX. However, those payments have been misapplied, leaving me to still owe mortgage payments for the entirety of XXXX. I'm at risk of foreclosing my property due to errors in their accounting process.
Consumer complaint received 2022-12-01
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Retail Merchants Associates (LA)

have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.