davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
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: EQUIFAX, INC. (MS)

Hi I am submitting this 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 719XXXX XXXXas 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 XXXX  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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (TX)

I never received any information from this company until they put the debt on my credit report. They did not have my correct address or phone number and they told me it was my fault. The amount of the debt is XXXX and I spoke to them on XX/XX/2022.
Consumer complaint received 2022-11-01
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion were XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX/DEPT OF ED XXXX Balance : {$2400.00} ; XXXX/DEPT OF ED XXXX Balance : {$4000.00} ; XXXXDEPT OF ED XXXX Balance : {$9000.00}
Consumer complaint received 2024-09-19
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. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2022-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The last 4 of my social security number are XXXX. I did not open a King Size account with XXXX XXXX, this balance is due to an annual membership fee, which I did not subscribe to. Not mine. Fraudulently opened. Portfolio Recovery refuses to delete this collection account.
Consumer complaint received 2022-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

On XX/XX/XXXX, I reached out to United Wholesale Mortgage ( UWM ), our mortgage loan service company, regarding cancelling PMI insurance based on Current Value. We have completed substantial structural improvements and fulfill the requirements set forth by UWM. On XX/XX/XXXX, UWM finally replied with details on how to submit our proof of the cost of improvements. On the same day, I emailed the proof AND submitted the written request with proof of costs of improvements. I have reached out on XX/XX/XXXX and XX/XX/XXXX to move forward with ordering a valuation on our property and have had no contact with the company. I can not speak to a live representative in the PMI department to provide a status. On XX/XX/XXXX, I used the Chat function on their website to speak to a general live representative who claims " I do not see anything regarding your PMI removal. "
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (NC)

As of today XX/XX/2022, Experian has notified that my disputes were completed on XX/XX/2022. However, they have not closed out my case. I am yet again filing a complaint due to the erroneous items they are still furnishing on my consumer report. I am demanding methods of verification utilized for the accounts that remain on my consumer report. I will like to remind the company that they must follow the law/ FCRA that has been administered to them. It is also my RIGHT as the consumer whom has been treated with great negligence to know : the method of verification, the name and contact of the person that they have spoken with, what documentation that was provided and did it include MY signature, and if the company provided my name, ssn, and dob. 

Please take this as the final opportunity to cure.
Consumer complaint received 2022-05-04
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 — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

Nissan Acceptance is a fraudulent company. That loan is paid off. I had to refinance to get rid of XXXXhem.They hold checks until the account is overdue and have their collectors call and threaten me. Then, toward the end of the month they apply the check to the account. It happened twice to me. I always paid on time and this report they gave of me being over 60 days on a loan is false. I had a credit score of XXXX and they have driven it down under XXXX for the first time in many years. Check my real credit history without Nissan Acceptance. This company should be investigated and shut down. I would be glad to testify to the true nature of this shameful company.
Consumer complaint received 2021-10-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

I have tired for the last 3 months to set my mortgage up on auto draft. My most recent attempt in XXXX for XXXX payment seemed to have been set up successfully. I received my XXXX statement on XX/XX/XXXX and it showed a missed payment so I immediately paid the missed payment. On XXXX I received notice that I was delinquent on an account. Upon researching it turns out it was my My mortgage serviced by Penny Mac. I immediately called them an notified them of the error. Upon calling it seemed that several pieces of information was incorrect My phone number was not associated with my account and they were unable to even pull up my account by my name. The email address was incorrect etc. I spoke with XXXX a supervisor who indicated an issue with the online portal.
Consumer complaint received 2022-08-20
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. (CA)

Experian Credit Report has a product called Experian XXXX where as if you enter your Bank Information ( XXXX XXXX XXXX XXXX ) and Utility accounts such as XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX company, and you pay on a regular basis Experian XXXX will have access to your Bank Account to verify these accts which in turn will help raise your credit score. When first signing up for XXXX it worked perfectly. However now and in the past several months XXXX can not access my account. It stopped working. Message would continue to show " Reconnect to your bank '' or XXXX can not connect to your bank. Or " Add '' another Bank Account '' I only have One Bank Account. ( XXXX  seems to think I have another Bank Account ) I have continued to contact Experian many times " Why XXXX  '' can not access my account and why Experian XXXX had no problem connecting to my account in the beginning. Everytime I log in to Experian message shows " Can not Connect to your bank '' Connect now ' Experian gives me many reasons why I can not connect and non apply to me. Why can't Experian XXXX connect to my bank account is more important to me than a credit score.

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Consumer complaint received 2022-03-31
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. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX {$1800.00} Open balance, 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 a account without my written instructions
Consumer complaint received 2024-10-24
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. (VA)

I am writing to inform you that I am a victim of identity theft resulting from a data breach. Fraudulent accounts and inquiries have appeared on my credit report without my authorization.Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit file immediately : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-06-21
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: Concentric Receivables Management, Ltd. (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020
Consumer complaint received 2022-03-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

My mortgage servicer, Specialized Loan Servicing ( SLS ), approved me for a covid forbearance in XX/XX/XXXX due to loss of income. I received numerous extensions until XX/XX/XXXX when I was told they would not extend it again and I needed to make a lump sum payment to be current on my account. I explained that I did not have enough money to become current but was able to pay enough to be within the terms of their repayment plan. I spoke to a customer service agent named XXXX who processed the payments I made to be within the terms of the repayment plan and set up the repayment plan with me. He said I would need to make my regular mortgage payment amount every month in addition to an extra {$1000.00} from XX/XX/XXXX through XX/XX/XXXX. He assured me that since I had agreed to this workout plan that it would not be reported to the credit bureaus and I would not receive late fees. He set up the first three payments which were automatically deducted from my bank account the exact days we agreed to every month. He called me back at the beginning of XXXX to set up the remaining 3 payments which would be deducted at the end of XXXX, XXXX and XXXX of XXXX. I expressed concern to him over a letter I received from SLS stating my account was delinquent and he said that is automatically triggered but not to worry about it since I had done everything I agreed to and had made all of the workout payments on time. Yesterday I suddenly started receiving alerts from my XXXX account stating I had derogatory marks on my credit and my credit score fell XXXX points. This happened because SLS reported me as being 120 days past due and also is reporting that the full amount of my mortgage is also due. I called SLS first thing this morning and spoke to multiple people. They are refusing to fix this error until I am current on my account, which wont be until the beginning of XXXX when my repayment plan is completed. As I was writing this I received another alert that they reported the full amount of my mortgage as a past-due balance. They are ruining my credit and I have done everything I agreed to.
Consumer complaint received 2024-11-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (IL)

I am a XXXX veteran with a property tax exemption, and I have repeatedly reached out to my mortgage company to address an issue with my escrow payments. Despite providing all the necessary documentation confirming my exempt status, they have not made the required adjustment to my escrow account. This has resulted in ongoing overpayments and unnecessary financial strain. I am seeking immediate resolution to ensure my escrow payments reflect my tax-exempt status moving forward.
Consumer complaint received 2024-11-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I asked for a copy of my CONSUMER report. Means an individual who enters into a transaction primarily for personal, family, or household. 
You accepted a trust ship and created a fiduciary obligation for the trust I have a certified securitization auditor from XXXX who retrieve MY CUSIP # XXXX CFR state any hold of the consumer credit contract the debater can a assert they rights. I have every company and have how many times my securities been sold I've been denied a small portion securities exchange would charge the whole company with ( securities fraud, money laundry, A violation of trust agents act, ect )
Consumer complaint received 2022-06-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc. (FL)

This company is attempting to collect a debt that is not mines. They are trying to collect damages for a shared student housing space. And they are trying to collect damages for not contacting them about moving out. 

I both provided a timely notice that I was leaving. And I also, filed a formal complaint about the other residents that I was forced to live with and the housing being in dis-repair.
Consumer complaint received 2022-06-21
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: 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CHALLENGE FINANCIAL SERVICES (CA)

XXXXXXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX Fraudulently signed a purchase contract without my consent and try to forced me to take the truck that is been siting on the loan since XX/XX/2022 ( the motor doesn't work ). I tried contacting them and now they have another owner and they told me that DMV and FBI is investigating their business that they cant do anything about it. So the loan is showing on my credit after they forced my signature and they did a fraudulent smog on the car.
Consumer complaint received 2022-06-21
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # 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. 1692C A Section 1 : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumers location.

The debt collector has communicated with me without my express permission, it has furnished my account without my written instructions and has violated my privacy.
Consumer complaint received 2022-06-21
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  {$1000.00} Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I would like copies of the documents that you have in your files that were used to verify this account, and not simply receive a response indicating that it was verified. 
If you do not have any documentation in your files to verify the accuracy of this disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to third parties, you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report.