davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

On XX/XX/XXXX, I signed a HELOC agreement for {$150000.00} from XXXX XXXX XXXX Loans. For two years, I made regular monthly payments in the amount of over {$1000.00}. Unfortunately, in XXXX, during the recession, our small business was hit hard. Between trying to make the first mortgage payments, keeping the business afloat, and providing for my family, I couldn't afford the payments to the second mortgage company. I didn't hear from them for 12 years while my house was upside down, and during the COVID crisis now, a company called Specialized Loan Servicing ( SLS ) sent me many intimidating phone calls and emails for an amount of {$200000.00}. 

In XX/XX/XXXX, we were notified that a sale date had been set for our home for XX/XX/XXXX. We contacted many different organizations and entities to help us resolve the issue and stop the foreclosure. During one of these conversations, while also on the phone with XXXX, just one week before the house was to be sold, we were notified while on that call that the foreclosure proceedings had stopped. We immediately contacted XXXX to find an answer to why the proceedings had stopped and the status of our situation. Unfortunately, we never got an explanation or answer to the matter. 

Now, almost a year later and after attempts to get a loan modification, which was not feasible due to the {$60000.00} down payment XXXX requested, and a loan refinancing interest rate three times higher than my current first mortgage interest rate, they issued an auction date at the county courthouse for XX/XX/XXXX. We did not receive the filing of the notice for sale until XX/XX/XXXX at XXXX, more than a week after the notice was filed by XXXX XXXX XXXX and Certified Mail by USPS XXXX XX/XX/XXXX.
Consumer complaint received 2021-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

Thank you for your help. Two year ago. I did a debt settlement wit Midland Management For my XXXX Credit card and my XXXX credit cards. All was good. Then. All of a sudden two yeas later I received all of theses alerts that Midland credit was reporting me past due and keeping all this money on past due money that I dont owe. I still get calls from XXXX XXXX XXXX  telling met of pay and receive letters threatening legal actions for accounts that I did debt settlements on two years ago. This needs to stop please
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Subject : Request for Correction of Mortgage Information with TransUnion Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in correcting inaccurate mortgage information reported by TransUnion, which I believe is in violation of the Fair Credit Reporting Act under 15 U.S.C. 1681s-2 ( a ). Despite my consistent and timely mortgage payments, TransUnion has failed to update my account to reflect this accurate information, resulting in a negative impact on my credit report reporting also bad factor on loans. Under the aforementioned statute, I understand my rights as a consumer to dispute inaccuracies and ensure that credit reporting agencies maintain accurate records. I kindly ask for your intervention in this matter to facilitate the correction of my mortgage information also to correct on positive manner the loan factor with TransUnion and ensure compliance with federal law. 

Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (PA)

I have been paying for a credit monitor service through Experian in order to improve my credit score for the purposes of purchasing a home. The credit simulator provided by the company is said to predict your score based on different scenarios. One such scenario was to pay down/pay off credit cards, which I did and reduced by revolving credit below 30 %. This was supposed to increase my credit score 16 points. However, when this was reflected on my account, my score did not change. For the past few months I have paid approximately {$7000.00} off in debt to improve my credit score based on this simulator to prepare myself for a home purchase. However, my score did not change as predicted for nearly all of these payoffs/reduced balances etc ... despite showing up on the Experian report. The frustration is that the money could have been used for savings and other immediate family purposes and the other bills paid were not behind and were going to be paid off soon but was hoping to improve my interest rate slightly. This is unacceptable. This company generates its own score and should be able to predict how it will change when things are reported. Furthermore, you're paying for a service that holds you hostage as a consumer and have no real choice but to abide by this antiquated system. The fact that their simulator was misleading and did not accurately predict my score now made me lose money that could have been used on a downpayment for a home since I am still within the same range that will dictate my interest rate. The service is a scam.
Consumer complaint received 2022-10-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (OH)

I got a car from XXXX and received a loan from a company called American credit acceptance I paid over XXXX last month in XXXX and asked them to put most of payment amount towards my principal they told me No we are putting your money towards the interest I asked them how are doing something I didn't ask for with my money I never agreed to paying off the interest first I rather pay for the loan amount first to bring down my interest this is my first time ever getting any type of loan this big and I'm being taking advantage of I also requested my contract from XXXX because somethings aren't right with how I'm getting treated. And the pay off amount has went down only a {$1.00} and how if I'm paying my bill every month
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I had applied for a car loan in the month of XXXX well I looked at my credit report and I noticed there are a bunch of other inquires on my report from capital one, XXXX, XXXXXXXX XXXX, I was a victim of an inquiry issue and request that these inquires be removed from my credit report and a victim of an inquiry issue
Consumer complaint received 2022-07-24
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: STERLING JEWELERS, INC. (TX)

kay jewelers is still reporting on my credit report, this account is XXXX XXXX XXXX. I have settled this account and its over 7 years old. I am trying to purchase a home and I need this deleted off all my credit reports. 

Thank you
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/XXXX, I sent a letter to Transunion disputing late payment information reported on my credit file by XXXX XXXX XXXX XXXX XXXX. Upon reviewing a copy of my credit report on the XXXX, I saw an entry listing 7 late payments. My XXXX XXXX XXXX Account Number is XXXX. I challenged the accuracy, compliance and reportability of this listing and requested that I be provided with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from my credit report. Per section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, Transunion had 30 days to complete this investigation. I received no response to this letter and this account was not marked as " disputed '' on my credit report within a 30 day window. 

On XX/XX/XXXX, I sent a follow-up letter to Transunion regarding this same matter and have received no response to date. 

By not properly investigating this matter within the required timeframe, Transunion violated federal law. I have evidence of such willful misconduct via certified mail receipts and copies of my credit report.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-18
Product: Credit reporting 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)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX E-mail : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Subject : Dispute of Unauthorized Hard Inquiries on Credit Report To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. These inquiries are listed below on XXXX, Transunion, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize these inquiries, and I believe they are the result of identity theft. I did not authorize anyone to inquire into my credit on these dates. These inquiries are suspicious and potentially fraudulent, as I have not applied for credit with these institutions or authorized any transactions with them. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. These unauthorized inquiries could adversely affect my credit score and financial standing. 
I request that you investigate these inquiries promptly and remove them from my credit report as they are unauthorized and potentially fraudulent. Please provide me with a written explanation of your investigation results and any actions taken. 
Enclosed are copies of my identification documents and any other relevant information to support my dispute. Please contact me at the above phone number or email address to confirm receipt of this dispute letter and provide updates on your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-03-29
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: AmeriCollect (SC)

AmeriCollect is reporting on my credit. I sent them validation of debt letters they sent me copies of my so- called hospital bill. This is indirect violation of my Hippa Rights, I never gave them permission to access my medical records. Nor did I sign a consent authorizing such behavior. They also didn't properly validate this so called debt.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Following the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 US, XXXX XXXX XXXX a servicer, has violated my rights under 15 USC 1681, Section 602 ( a ), which states that consumers have a right to privacy. Additionally, 15 USC 1681, Section 604 ( a ) states that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, 15 USC 1681 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information other than records of convictions of crimes which antedate the report by more than seven years. According to 15 USC 1681s-2 ( a ) ( 1 ), 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.
Consumer complaint received 2022-12-14
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have no business with XXXX account # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Consumer complaint received 2023-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

On XX/XX/2022, IQ DATA INTERNATIONAL added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA IQ DATA INTERNATIONAL has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Consumer complaint received 2021-04-22
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: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SS # XXXX DOB XX/XX/1990 Account- US DEPT OF EDXXXX Account # XXXX Dispute Reason- UNKNOWN ACCOUNT/Possibly Identity theft After Moving from XXXX, IL to XXXX, Arizona I recently reviewed my credit report in order to obtain a mortgage on a home and i noticed several inconsistencies and inaccuracies regarding the account US DEPT OF ED/XXXX/ XXXX These can not be accurate. The name on the account is not me. I am XXXX XXXX XXXX not XXXX XXXX. According to Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE IMMEDIATELY
Consumer complaint received 2021-04-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (IL)

I received a payoff letter from XXXX XXXX XXXX XXXX. This is from a auto debt with creditor XXXX XXXX XXXX. The letter states that I have 30 days from the date listed on the letter to accept a payoff amount of XXXX. I spoke with a customer service rep named XXXX about the payoff amount and try to negotiate a lower amount. After several calls with her and her supervisor I made a payment with XXXX XXXX in the amount of XXXX and setup a payment arrangement for the balance of XXXX. This balance would be paid over 6 months in the amount of XXXX. I was told that an email would be sent with a confirmation of payment as well as the payment arrangement we setup. Unfortunately, after XXXX hours I never received an email so I called back spoke with XXXX. He informed me that the payment arrangement made could not be honored per his supervisor and I had to pay full payoff amount. I stated to XXXX that we had a verbal contract the company 's pre-recorded conversation. Which legally bines them to the payment arrangement made between XXXX XXXX and XXXX. As of XX/XX/XXXX this organization has report a balance of XXXX owe to the credit bureau. Please advise if you are able to assist.
Consumer complaint received 2023-08-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SERVISFIRST BANCSHARES, INC. (TX)

Dealing with covid XXXX I was greatful enough to be put in a forbearance after being furloughed. However since that its been chaos being able to get this resolved. I have been lied to, blamed, discriminated embedded in bluntly miss represented. This company Servbank has taken over my loan they have been falsifying and giving me incorrect information and forcing my home into a suspended foreclosure. I have submitted several complaints against not only the custom allies, but the representatives that I have speak into the supervisors they are very knowledgeable, but very inconsiderate as well. I have been dealing with getting a standalone partial claim for the past XXXX months. This matter has taken so long that it has put me in deep, XXXX and XXXX on losing my home. Today I decided to submit a actual complaint with the consumer financial protection bureau, because this matter is so important to me, and I dont wan na lose my home. I hope I can get this problem. Rectified from the false forbearance l that they have informed me that I was on and the false news that they informed me. Yesterday the Customer ally name XXXX was extremely rude and very inconsiderate. Stating that it is my fault that I am in the status that I am in and trying to force me to make a payment. However, my account is in suspended for closure, and I am not allowed to make any payments. This is the third customer ally that I have received and I have no hope for this company and pray that I get my home out of this suspended foreclosure to refinance. And I am hoping to get this matter resolved as soon as possible but if anyone could help please do.