davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
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. (FL)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with XXXX   XXXX XXXX Account # XXXX and XXXX XXXX account # XXXX, Account # XXXX. I am not responsible for any payments for this account. I have no business with XXXX XXXX XXXX XXXX XXXX and its successors. XXXX XXXX XXXX and XXXX XXXX is " third-party debt collector ''. This collection agency typically buys unsecured credit card debt from companies. I do not have a loan or contract with XXXX   XXXX XXXX and XXXX XXXX or owe a debt to XXXX   XXXX XXXX and XXXX XXXX is attempting to collect a debt on the basis of fraud. XXXX XXXX XXXX and XXXX XXXX has report false, derogatory, defamatory and slandering information about me to the 3 credit Bureaus on account # XXXX and account # XXXXby which has resulted in my being damage, such action cause by way of denial of credit due to the inaccurate and negative information!!! XXXXXXXX XXXX XXXX and XXXX XXXX decided to ignore my demands for Validation and delete the negative information immediately on my credit report. 
Over the past several months, I have tried to resolve this issue on XX/XX/2020 and XX/XX/2020 by Demand to Cease and Desist ALL Collections Activities and filing a complaint FTC but to no avail, refusal. XXXX XXXX XXXX and XXXX XXXX decided to ignore my demands for Validation. The item was not being reported legally and lawfully. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. 1. ( actual accounting ) 2. ( sworn affidavit or signed invoice and 3. A copy of the contract binding both parties.. Failure to substantiate the claim, Delete account immediately. I will further pursue all of my legal remedy without further notice to companies. Please Remove/delete XXXX XXXX XXXX and XXXX XXXX, immediately!
Consumer complaint received 2020-05-26
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-05-26
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-05-26
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-05-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Dear CFPB, My complaint is with my mortgage company, SPS. 

Letter from SPS dated XX/XX/XXXX, states ... 
My payment currently is @ 3 % {$3000.00}. New payment is @ 4 % {$3300.00} effective XX/XX/XXXX and scheduled to go up XX/XX/XXXX, and again to increased to 4.125 % and is effective again on XX/XX/XXXX and scheduled increase again XX/XX/XXXX to {$3300.00}. 
I had applied for a loan mod back in XX/XX/XXXX, with no results. SPS wasn't clear with their requests each time they asked for additional info and I was returning info on XXXX paperwork, but later several months, found they wanted the info on their paperwork, even though info almost same, just not on their paperwork, so in the end my paperwork was thrown out. I had to start all over and this took me about a month to mentally wrap my head around the chore I had to do AGAIN, but after calming down and receiving their forms. I reapplied in XX/XX/XXXX, a few questions about my paperwork again, they seem to question my paycheck status, they question why was I missing paychecks, I explained I only worked two days in first quarter of this year and I highlighted the info describing that, like year to date # 's. Then they said I wasn't reporting workman 's comp checks. I explained, I am not reporting because I am not receiving, they found that odd for me not to be collecting. I explained I only work one day a week and I don't qualify, I only work one day a week because I am a full time mother to my XXXX year old with XXXX, trying to transition him into adulthood since the school district did not. Another reason I need help with my loan mod, because he has cost me $ XXXX recently for XXXX assessment and {$7500.00} for XXXX XXXX XXXX remapping to help him deal with real world. Finally it was in underwriting and they questioned that again. Finally, I find it is in its 30 day time frame starting XX/XX/XXXX, I received a resolution on XX/XX/XXXX explaining they were declining my loan mod. However, The amount they showed as income was {>= $1,000,000}, when in reality it is {$8500.00}, because I am not working nor am I collecting unemployment, this is a discrepancy, I called XXXX and they suggested I reach out to you.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-05-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC (VA)

In XXXX of 2019 I took out a title loan from loan max in XXXX XXXX va to help my daughter with her mortgage. The original loan amount was {$710.00}. Since XXXX she has paid XXXX, today she called to inquire about a payoff expecting ot to be about half of the amount borrowed ( because XXXX has already been paid on the account ) and she was told that the payoff on XX/XX/XXXX would be {$890.00} which is greater than the original loan amount. I feel that this was an opportunistic loan that preyed on people in a tough spot. By the time we are finished paying this loan off for {$710.00}, we would have paid back over 3 times thay amount. How can this be legal? How can you pay on a loan for half of a year and the amount you owe is greater than the original amount?
Consumer complaint received 2020-05-26
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. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didnt take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later Im receiving letter after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am not familiar with. These accounts are not mine. Please remove. XXXX XXXX {$2300.00} XXXX XXXX  XXXX {$0.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$40000.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX {$420.00} XXXX  XXXX {$840.00} XXXX   XXXX {$0.00} XXXX  XXXX {$3500.00} XXXX XXXX {$6700.00} XXXX  XXXX {$2600.00}
Consumer complaint received 2020-05-26
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: Bread Financial Holdings, Inc. (NC)

Hello and thank you very very much for even having the time to read over my small issue. Because of this covid19 I have been slow to pay off my cards this year since XXXX however I am 100 % responsible and have tried to ask for forgiveness on some of my late payments. It is my request that you please help perhaps look into my case and see if we could please have some of those late payments forgiven. I am 100 % responsible I have kept and maintained the minimum payment balances to keep all of my accounts in the green. 90 % of my credit accounts are 100 % paid off except for about 3 of them. Can you please on my behalf try and help me erase these late payments because they are 100 % a result of Covid19.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NC)

Comenity Bank currently holds 3 accounts with me XXXX XXXX, XXXX, and XXXX. Due to inactivity, the XXXX card was closed. When I applied to have it re-opened, Comenity needed additional proof of identity instead of utilizing the information not only of the existing accounts but even my online validation of the new account. Comenity sent me a new card after they said they did not know who I was. Additionally, the manager 's manager refused to speak with me in a timely manner and they want me to mail in multiple forms of identification, which is even less secure than the online options. At what point does common sense prevail? I am literally trying to give them money, and yet no one wants to work with a loyal customer, and they do not seem to even know what is going on with their own systems. " XXXX '' is the person that supposedly can fix it, but her contacting you at a reasonable time for both parties seems to not be an option, and no one else wants to help. I was finally offered " faxing '' ( in 2020 ) the additional information, so who knows.
Consumer complaint received 2020-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I had not received a response for the prior compliant filed, XXXX prior to submitting the CFPB feedback for the filed complaint. The response from Bank of America did not address the concern in complaint # XXXX. The response states they failed to see a Bank Error ; however, it was their teller that informed me the Cashiers Check was a valid check. The tellers supervisor/co-worker ( XXXX ) even asked the teller if they were going to verify and the response given was, no no its good, and she pushed the check through. If there is a process of 14 days verification, when I asked about the validity of the check, the response from the teller should have been that there is no way to verify with 100 % certainty right now, please allow up to 14 days for the funds to clear. This was not the response, the teller stated the check was valid! 

The entire reason I went inside the bank to cash the check was to verify the check was legitimate before proceeding forward with XXXX XXXX process. The teller assured me that the check was a valid check and this in itself was a {$15000.00} bank error. The teller should not have provided this information if they were not 100 % sure that this was the case. The response from Bank of America no where addresses the fact that miss-information was provided by their employee. Based on the information provided by the bank teller, I proceeded to wire the funds to what I thought was my client. The check was not valid and through Bank of America 's research, was completely fraudulent. The funds were returned, and my company now lost the {$15000.00}, of which I only had so much in the account to begin with so it now shows I owe the bank, and that is my dispute, since improper information was given.
Consumer complaint received 2020-05-26
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. CHAPTER XXXX BANKRUPTCY DISHCARGED CHAPTER XXXX BANRUPTCY DISMISSED
Consumer complaint received 2020-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit International Corporation (WA)

XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) Sold an apartment complex including all tenant debts at the time of sale in XX/XX/2019 ; He subsequently attempted to collect on those same debts ( double collect on the same debts ) that the purchaser ( XXXX XXXX XXXX ) now owns and manages. Mr. XXXX has in his possession the real estate contract which clearly outlines that all tenant accounts/ both credits and/or debts owed were transferred at the time of sale to the new property owners - the new apartment owner/manager confirmed this with me in detail. According to the new apartment owners, Mr. XXXX XXXX was selective about which tenants he attempted to strong arm debt collection from - XXXX and elderly tenants were targeted in an attempt to collect extra money from a real estate sale in which he had already been compensated. The current apartment owner managing these tenant accounts advised the tenants to ignore Mr. XXXX 's wrongful attempt to collect the debt and that Mr. XXXX is attempting to scam extra payments from debt that he no longer owned and was not entitled to collect. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX WA XXXX ) reported this fraudulent attempt to collect debt on all three credit bureaus, dropping by credit score by more than 100 points. After many phone calls, this debt collection agency refused to entertain any resolution or address my concerns and hung up on me multiple times.
Consumer complaint received 2019-08-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

Was informed of incorrect information on my credit report and signed up for credit monitoring through Equifax XXXX of this year. Their dispute section let me file a dispute once and since has not worked i have called multiple times through the month of XXXX and now beginning of XXXX to get this resolved. I have received less then stellar service and reps have claimed to file disputes for incorrect info yet it shows that i havent filed any dispute at all let alone being able to accurately see the results of my disputes. Equifax has yet to reach out to me or resolve this problem
Consumer complaint received 2020-05-26
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. (MO)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$280.00} XXXX   XXXX {$26.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$230.00} XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$95.00} XXXX XXXX XXXX XXXX {$5000.00}
Consumer complaint received 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

A mortgage modification packet was requested in XX/XX/2020. I received a letter dated XX/XX/2020informing me that they had reviewed my application and that I was not eligible for a mortgage modification but I was eligible for a short sale, or deed in lieu. The first issue is that according to the attached letter they reviewed my application however a modification packet was never sent. When I questioned the mortgage company about this they said that they did a streamlined modification that required no paperwork. According to all the information that I have read a streamlined modification was intended to keep homeowners in their homes with little paperwork rather than using no paperwork to remove a homeowner. I explained to the representative that I found a denial for modification hard to swallow when my financial situation was never looked at. The attached letter stated that I also had a right to have a second independent review. I requested this via email on XX/XX/2020. On XX/XX/2020 I called into customer service in regards to a letter that I had received regarding mail that was sent to the incorrect address. At that time I was informed of a foreclosure sale date on XX/XX/2020. I then asked about the second independent review. The customer service rep saw where I had requested it but could not explain why the review was never completed. She then told me I needed to submit an email asking that very question and requesting that the review be completed. On XX/XX/20 I sent an email along with all the attached paperwork requesting that Specialize Loan Servicing cease and desist any foreclosure proceedings until the second independent review was completed. At this time I feel like my rights have been violated because my modification was denied under false pretenses. Specialized Loan servicing reviewed no information regarding my financial health. They also denied me on the basis of loan to value numbers but provided no proof of what those actual loan to value amounts were. I am requesting that the CFPB hold Specialized Loan Servicing accountable for there actions and ask them to stop the foreclosure  proceedings until they do their due diligence in helping a homeowner stay in their home. I have also attached information from Specialized Servicing showing what streamlined mortgage assistance means and what they can do to help homeowners.I have been told that they can not reduce my interest rate because it was as low as it could go but after reviewing their own paperwork the interest can be reduced done to as low as 2 %. They also have many options on the attached sheet which I qualify for but have never been offered.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted a dispute to Transunion regarding a Public Record ( Bankruptcy ) on my credit report via their online dispute mechanism on XX/XX/XXXX. The dispute is in reference to the following item : I am disputing the following item on my credit report. Specifically I asked Transunion to verify this information and show me how they had verified this information. 

XXXX XXXX NEW JERSEY DOCKET # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX ( XXXX ) XXXX Date Filed : XX/XX/XXXX Date Paid : XX/XX/XXXX Date Updated : XX/XX/XXXX Type : CH XXXX BANKRUPTCY DISMISSED/CLOSED Responsibility : Individual Debt Court Type : US Bankruptcy Court Plaintiff Attorney : XXXX XXXX XXXX Transunion closed my dispute one day  later on XX/XX/XXXX saying they had verified the information. 

Report Created On : XX/XX/XXXX File Identification Number : XXXX INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 

We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

XXXX XXXX NEW JERSEY XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX No information was provided as to how they verified the information. 
I contacted the court in question and they informed me that they do not respond to verification requests by credit bureaus. Furthermore, the court was closed on XX/XX/XXXX as it was a public holiday ( XXXX XXXX ). 

There is no way that this information was correctly verified.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have had my credit pulled this month and I recently found out I am a victim of fraud. I have a few issues going on concerning the accuracy of my name and addresses. 
My name is spelled XXXX XXXX XXXX my DOB XXXX my SS # XXXX please remove any other spelling of my name. 
The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, OH XXXX Please delete the following numbers they are not mine:XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have some unverified accounts that do not belong to me please delete : XXXX XXXX # XXXX, XXXX XXXX # XXXX, Please delete this account account it is fraudulent I do not owe XXXX XXXX XXXX # XXXX