davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (FL)

SLS ( Specialized Loan Servicing ) is now as of XX/XX/XXXX servicing our home loan. It was transferred over from ( XXXX XXXX XXXX XXXX ). Just yesterday this Sat XXXX we received a letter from SLS requesting to provide our Flood Insurance, which should have been information that should have been transferred along with all our other XXXX information. The issue is that they are stating that they have already placed a flood insurance dated as of XX/XX/XXXX when we have just been notified that we need to provide our proof of coverage. 

Attached is our Flood Coverage Declaration page as well as our letter that SLS sent us that on the bottom states the 3 different ways we can update our Insurance Information. Well,,,, we attempted 3 times to enter the supposed Reference PIN number : XXXX and it comes up as " Incorrect PIN Number. 

This is how XXXX first attempted to add additional fees to our old mortgage even when we provided proof. On my previous complaint # XXXX on this company taking over our loan I expressed my concerns of how horrid this servicer is and how disappointed I am with XXXX for transferring over the loan. 

Now this is the beginning of our old nightmare all over again. I am faxing SLS the Flood Declaration page via Fax and Mail but I ask that you ensure they follow through with them updating the information so that they do not add fees or an additional Flood Insurance and tack that on to my Monthly Mortgage and its an literally 3 times more the price. 

I ask for your assistance and protection from this form of PREDATORY FEES beginning again.
Consumer complaint received 2023-05-25
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: GLOBAL SOLUTION BIZ LLC. (SC)

Global Solutions repeated calls and does not state who they are and continues to call on multiple lines even on family members lines that have nothing to do with this loan. They are very abusive when they call and no written statement from them has been provided.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/10 i got a alert from XXXX XXXX financial services i called the number and it was disconnected... mind you i have not applied for a motorcycle loan in years..here is the information please verify as i have already did ... and please delete this inquiry off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2017-01-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My current mortgage serviced by Specialized Loan Service XXXX # XXXX ) recast or reset with payment increasing approximately {$2800.00} per month. I processed check payment and was {$200.00} short. Specialized Loan Service did not call me and leave a message or write to me that the loan payment was short. Instead, they reported a 30 day late payment which reduced my scores over XXXX points for my wife and I. Once my lender pulled credit, I called them and they refused to remove 30 day late. I have never been late ever on this loan
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Please remove account XXXX XXXX XXXX XXXX {$550.00} from my credit report. The only accounts I have with this company are with the balances {$1200.00}, {$660.00}, and {$1500.00}. I will attach the letter from the debt buyer listing the 3 accounts. This other account you guys are reporting is not accurate and if it is not removed within 15 days I will seek legal action because this is clearly a huge error and violation of the FCRA. Please see the attached letter and my proof of identity.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX I added my husband to my card They sent me a card for him. In XXXX he was flagged as fraud after buying gift cards for the kids. He called the credit card company it was taken care of and XXXX of the XXXX cards went trough. The next day he went back to buy the second and sure enough was flagged again this time restricting the use of our card. He called and he told them it wasn't fraud it was him. They said it would take 5-7 business days. He called for XXXX weeks after seven days and was told its in the fraud department, they will get back to you, we know nothing about this. Talked to a supervisor and he said this isn't right can you call back in 5 days he did, Got another supervisor same story. Finally he had me call as I'm the primary. They said the same thing to me. I asked for a letter, as did he, to explain the reasons why are card is restricted, they sent us nothing. Fast forward to today, I talked to a manager he asked for a copy of my social security card, drivers license and utility bill. To prove who you are. I told them I pay the bill every month through my bank account, you sent me this card, why would you need more. Sorry, I need all three forms of proof. ( yet you can Vote without ID ) Then asked for a bank statement. Well my husband being a XXXX veteran with XXXX and former law enforcement, Had enough and said no, to all that and said to just close the dam account and never do business with capital one again. This is disgusting. They should at least of sent us letters with answers and have a place of contact at the level it was escalated to. They did nothing but say we can't help you on this level, fraud will contact you. Well fraud never contacted us, the only fraud going on here is capital one venture card. My husband has his own capital one savor card that wasn't restricted, go figure We pay our bills every month and what they are doing is criminal as far as we are concerned.
Consumer complaint received 2016-10-27
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: IQOR US INC (MI)

Allied Interstate continues to call my personal phone, my place of employment, my co-workers personal phones and my family after I have specifically told them that they can only contact me via US Mail. They have contacted friends on XXXX to obtain my private phone number. I have informed them that I will not speak to them on a recorded line. I have never received anything from them via US Mail. I sent them an email requesting verification of the debt. I have not received verification.
Consumer complaint received 2017-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: A.R.M. Solutions, Inc. (TX)

I filed bankruptcy XXXX XXXX, and after doing so, received a letter stating I owed for services I did not receive ( From XXXX ). I sent emails several times, XXXX XXXX, XXXX XXXX, as well as sent a letter dated XXXX XXXX, and made contact through XXXX ( several times ), who said they would tell the branch manager to call me. I spoke with the branch manager ( approximately 2 weeks ago ) and informed him of the bankruptcy and he said he was aware and would update his records and cease communication with me to collect the debt. I received a statement dated XXXX XXXX, XXXX from A.R.M. Solutions, Inc. on behalf of XXXX. This is very frustrating and causing so much XXXX as I explained my financial situation on top of being unemployed since XXXX XXXX. I wish to file this complain in regards to the statement of facts and recover any monies as imposed by the company violating the bankruptcy law.
Consumer complaint received 2023-05-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AZ)

Around XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).
Consumer complaint received 2023-05-23
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX Consumer Relations Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Unauthorized Hard Inquiries on My Credit Reports Dear Sir/Madam of XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention a matter concerning unauthorized hard inquiries on my credit reports, which I believe to be fraudulent and in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that XXXX XXXX XXXX ( XXXX ) promptly remove these inquiries from all three of my credit reports. 

Upon reviewing my credit reports, I discovered that XXXX hard inquiries were made on XX/XX/2023, and XX/XX/2023, respectively. I would like to emphasize that I did not authorize these inquiries, nor did I have any prior knowledge of them. These unauthorized inquiries not only impact my credit score but also raise concerns regarding potential fraudulent activity. 

As evidence of these unauthorized inquiries, I have attached screenshots of my credit reports clearly showing the details of the inquiries. I kindly request that you thoroughly review the attachments to understand the unauthorized nature of these inquiries. 

Under the FCRA, consumers have the right to dispute any inaccurate or unauthorized information on their credit reports. According to Section 1681b of the FCRA, entities seeking access to an individual 's credit report must obtain the consumer 's written consent before pulling their credit records. As I did not provide authorization for these inquiries, I believe they are in violation of this provision. 

I kindly request that XXXX immediately investigate this matter and take appropriate action to remove the unauthorized hard inquiries from all three of my credit reports. I also request that you provide me with a written confirmation once the inquiries have been removed. 

I trust that you will handle this matter promptly and in accordance with the law. If necessary, I am prepared to take further action to protect my rights under the FCRA. 

I look forward to your prompt attention to this matter. Please contact me at your earliest convenience to discuss the steps being taken to resolve this issue. Thank you for your cooperation. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2015-08-18
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AES/PHEAA (DE)

I had a student loan with AES/XXXX. The loan was placed for collection with XXXX XXXX XXXX where it was paid in full. I have attached a copy of my credit report from XX/XX/XXXX showing a " paid charge off '' with AES..and a " paid coll '' with XXXX. 

This week when my report was pulled the AES now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 ( a ) ( 1 ) ( A ) reporting information that they know to be incorrect. 

I have disputed this with the XXXX credit bureaus and they left it on the file. This violation of the FCRA is a violation by AES and not by the XXXX credit bureaus.
Consumer complaint received 2023-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (NM)

In XXXX of XXXX  I Missed my Payment to My Mortage. After i Missed my Payment. I was Never Contacted About the Missed payment, Until I Contacted The Mortgage Company My Self. ( ServiceMac , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl, SC XXXX ) Upon Contacting them I set Up a Forbearance Plan and It Went Good, the Second Month that i was able to Pay I called it in and gave my info to The Bank i was using When they Took the Information and Ran it they Said that it had gone through. so, i went the whole month going about my business now its the 3rd payment to my forbreance contract. Thats when Service Mac told me i miss my 2nd payment and that i has no choice but to come up with all the money that i was behind. i have so much equity in my house i should not be having this problem. So i went and Got the Amount they asked for Paid by new mexico renters association. and Service Mac Refused to Take Payment. They Stated that They Don't Contact Places to Get Payments. Also They Stated that they Had the Amount i Was Ordered TO Pay That I was To Receive the Letter Via Email. But Never Received It and When i Called to Ask Why I had not seen Received it. They Stated That The Foreclosure Letter Had Not been Drafted up. they Are Forcing me out of my house and There's nothing it seems that i can do please Help me
Consumer complaint received 2023-05-23
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: Experian Information Solutions Inc. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NM)

This is regarding some unauthorized ACH transactions in my business checking account. The first occurred on XX/XX/XXXX and which Wells Fargo was made aware of on XX/XX/XXXX. After notifying the bank, I didnt think much of it and thought theyd reimburse me but started monitoring my account more closely. The second occurred on XX/XX/XXXX and I notified the bank on XX/XX/XXXX. Both of these transactions were made with a merchant Ive never done business with, XXXX. The bank told me to try and get my money back from XXXX. I contacted XXXX  and was advised to have the bank reverse the ACH charges. I asked multiple times, thinking it would be a straightforward process and was denied. 

In the following several weeks, I discovered more unauthorized ACH charges. In total, in about XXXX unauthorized charges, there was XXXX in ACH fraud. When I notified the bank, they reversed all the subsequent charges. 

I have asked the bank to reverse the first XXXX charges repeatedly, asked for supervisors to review the decision but to no avail. I feel that had the bank taken my first XXXX complaints about the first XXXX unauthorized ACH transections seriously, the rest would not have happened. I also told the bank that I rarely use any business checks for any transactions. These unauthorized ACH transactions occurred after I had made a cash deposit in a branch I dont usually use, while visiting out of state.
Consumer complaint received 2023-05-25
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX. Please update my name to XXXX XXXX. My only social security number isXXXX. My only and correct date of birth is : XXXX. I do not wish to have any telephone numbers on my report. Below are the negative accounts/accounts impacting my credit : XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Midland Credit Management- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX RE : Validation Required XX/XX/year> Re : Account # XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
* Provide breakdown of fees including how you calculated what you claim I owe. XXXX Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt * Cease any credit bureau reporting until debt has been validated by me as required under theFCRASend me proof that you are licensed to collect debt in my state. 
: Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above requested proof. Upon receiving it, I will correspond back w you. 
Sincerely. 
XXXX XXXX
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-05-25
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. (GA)

( LETTER & ID THEFT REPORT ATTACHED ) RE : Request for Investigation of Unauthorized Inquiries and Incorrect Addresses Please do not state that you cant verify my identity. Attached are all necessary identification documents ( ID, Social Security Card, and Bill ) and also my Identity Theft Report. 

Inquiries to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove ALL INQUIRIES with the names of the above banks. I checked my personal credit report, which I acquired from your organization and there are no accounts on my credit report for these inquiries, so these unauthorized inquiries should be removed from my credit report upon receipt of this letter. 

Addresses to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please also remove ALL ADDRESSES that are noXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX EXACTLY. Any other variation is a fraudulent address and I do not give authorization to have on my account. All other addresses are non-existent and not mine! The above reference to this address does not exist and needs to be removed no matter who is trying to report it- it is obviously false. If your bureau does not report these additional addresses or inquiries then please disregard.
Consumer complaint received 2023-05-25
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: DISCOVER BANK (SC)

I have several hard inquiries on my credit report that I didn't authorize or have any knowledge of... 
XXXX XXXX XXXXXXXX credit card inquiry on XXXX XXXX XXXX XXXX XXXX  credit card inquiry on XXXX Discover financial credit card inquiry on XXXX XXXX XXXX XXXX XXXX XXXX credit card inquiry on XXXX
Consumer complaint received 2017-08-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio Recovery Associates, LLC ( XXXX XXXX/XXXX ) is saying I owe a debt which I have no knowledge of. I requested that this company send me a validation with my signature on documents and they failed to do so. I have disputed this debt : therefore, until validated with documents bearing my signature your information concerning this debt is inaccurate. Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. Please do n't respond to my request by saying that this account have been verified. Send me copies of the documentation in your file bearing my signature to verify the accuracy of this disputed account. If you do not have any documentation in your file bearing my signature in your file to verify the accuracy of this disputed account then please delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Consumer complaint received 2023-05-23
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. (FL)

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe XXXX standards state that in order to make a report, you must follow their guidelines. " Any deviation from these standards jeopardizes the integrity of data. '' This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.