davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-20
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. (MI)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2018-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (NC)

I completed a dispute for an account listed on my credit report as a collection from XXXX XXXX XXXX. Being that I have never done business or signed a contract with them I asked for validation of debt owed in XX/XX/XXXX. I received a letter on XX/XX/XXXX, which is after the allowed 30 day period, that included their " validation of owed debt ''. This letter only states how much was owed at the time. The letter never notified me of my rights under FDCPA and FCRA to dispute any information I deemed as inaccurate.
Consumer complaint received 2017-10-04
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Immediate Credit Recovery (TX)

I am again requesting proof of a contract between Immediate Credit Recovery INC and myself, bearing my signature, of a loan that they provided to me. If that information is not provided with the next response. I will turn this case over to my attorney for further action. What I have been provided is a validation. It is a print out on a word document. 

I am requesting copy of the original written agreement between Immediate Credit Recovery INC, such as the loan note or credit card agreement, preferably signed by me and a representative of the company. 
I am demanding a bill of sale, an assignment, or a receipt between the last creditor holding the debt and Immediate Credit Recovery INC. 
You must return all copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt or I will turn this matter over to my consumer rights attorney.
Consumer complaint received 2018-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (MO)

On XX/XX/XXXX, I noticed my homeowner 's insurance had not been paid by my escrow account at RoundPoint even though the insurance bill was due on XX/XX/XXXX. I called the company to remind them to pay the bill. A customer service agent said they would send it out the next day. Seeing it deducted from my escrow account on XX/XX/XXXX, I assumed it went out. Later the next week, I received a letter from RoundPoint stating I had no evidence of insurance and that I might be given another insurance policy at a higher price through them. I called to inquire and they said the letter was sent " in error. '' I've had the same insurance policy the entire time of the mortgage. There should be no confusion on when bills are due or where money is to be sent. On this last call, they said the check was sent out in a bulk check on the XX/XX/XXXX( not the XX/XX/XXXX that they originally said ). As of XX/XX/XXXX, the insurance company still has not received the check and my policy is being cancelled due to nonpayment.
Consumer complaint received 2018-05-20
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. (LA)

Is to remove all the inquires off of my credit. I just turned XXXX and i havent put any of these inquires on my credit and its affecting me .And I was a victim of the transunion inquiry error/glitch that happened but they want remove the inquires on my credit report.
Consumer complaint received 2023-05-20
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. (SC)

account # XXXX is a student loan that was opened in 1987 in which I was only XXXX years old and couldnt possibly be mine. I was a XXXX grader in high school. I was born XXXX, this may be the direct result of identity theft
Consumer complaint received 2023-05-20
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. (CA)

In accordance with the Fair Credit Reporting act XXXXt Account # XXXX, XXXX XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-05-21
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: HYUNDAI CAPITAL AMERICA (LA)

I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution.
Consumer complaint received 2018-05-20
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 (LA)

I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution. 
The inquiry was placed XX/XX/2017 XX/XX/2017
Consumer complaint received 2020-12-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2018-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MS)

I disputed with with the company in XX/XX/XXXX. The companies received my disputes according to certified mail. It is now XX/XX/XXXX and I have yet to have the information actually verified. I have filed a report with the FTC regarding the information being incorrect. Individuals have tried to obtain credit in my name without my authorization. Those negative remarks on my credit history have made it impossible to obtain new credit.
Consumer complaint received 2018-05-21
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Select Portfolio Services ( SPS ) is in violation of Forced Placed Insurance, lying and deceit. On XX/XX/XXXX, SPS stated, " Lenders Placed Insurance In your inquiry, you question SPS adding Lender Placed Insurance ( LPI ) to the account. SPS does not show that any LPI has been added to the account. '' However, in correspondence ( certified mail ) from SPS dated XX/XX/XXXX and received XX/XX/XXXX, SPS states, " This is your second and final notice that our records show that your hazard insurance expired and we do not have evidence that you have obtained new coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property ... ... ... ... ... .. The insurance we buy : Will cost an estimated {$1100.00} annually, which may be significantly more expensive than insurance you can buy yourself. '' On numerous occasions I have explained to SPS they have no legal security interest in the property they now claim to be placing forced placed insurance on. The legal description in all notes and mortgages do not coincide with the property they are now fraudulently trying to place insurance on. SPS continues to conduct business in a fraudulent manner and continues to go unchecked by appropriate authorities. I demand appropriate action by the CFPB.
Consumer complaint received 2018-05-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MLB Residential Lending, LLC (FL)

This is XXXX XXXX and I'm a XXXX XXXX XXXX FROM XXXX XXXX XXXX. I'm submitting a complaint of behave of my client ( THE BUYER name XXXX XXXX XXXX  ). My client put an offer on XXXX XXXX XXXX XXXX FL XXXX and he had under contract by XX/XX/XXXX. My client was prequalified for FHA loan. The lender asked for the conditions the bank needed to approve the loan. My client sent them in time. My client paid for the home inspection, appraisal and 4 hours online course to qualified for a government program. The lender agent ( XXXX XXXX MLB RESIDENTIAL LENDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX  cell XXXX, Office XXXX, Fax XXXX and email XXXX  ) didn't try to help my client as he supposed to do. According to lender the bank denied my client and he had to submit another application to an investor. The new investor was out of state and it took a week to response every time that we sent a document to approve to my client. Lender ask for documents that my client already sent all the time. I had to issue the first extension on XX/XX/XXXX due to the delay in this process. Seller agreed to sign it. Lender ask for two more weeks to finalize the loan. After two weeks of waiting on the investor, the loan was approved. The lender asked for another extension XX/XX/XXXX. The seller agreed to sign it, but stated that she won't sign another extension. According to the lender, the investor wasn't responding on time. My client, the seller, the listing agent and myself were upset with the way the lender handled this loan. Seller didn't want to cancel, but she feel sorry for the buyer. It wasn't his fault. No to mention that I tried to contact the corporate office and they were worst than the local office. I was transferred to XXXX  ( XXXX ) who is the manager for that area of the country. He lied to me all the time and ignored all my phone calls and texts. I couldn't update my client through the corporate office. I believe my client deserve a better treatment and respect and myself as agent representing the real estate industries. I let the lender know that the seller would wait until Tuesday XX/XX/XXXX to submit a cancellation of the contract and my update was ignored. Seller cancelled on Wednesday XX/XX/XXXX and the lender texted the listing agent to inform her that all the conditions were met. Meaning with that we would have needed another week to wait for the clear to close. My client signed two disclosure statement that weren't accurate.
Consumer complaint received 2018-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc. (TX)

I never heard for this place prior to it showing up on my credit report in XX/XX/XXXX. I wrote them two letters XX/XX/XXXX and XX/XX/XXXX ( i have copies of the letters and priority class mail receipts ) asking them to validate this XXXX  debt that theyve reported to the credit bureaus or have it deleted. It was removed from my credit report around late XX/XX/XXXX. Then added back on my report XX/XX/XXXX ; I still have yet to receive any type of validation or any attempt to collect the amount they claim I owe.
Consumer complaint received 2018-05-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

It I s with great devastation and confusion that I am writing to you regarding the inconsistencies of Wells Fargo. 

I had requested various times a work out plan that will benefit us all. Wells Fargo has made previous decisions and calculations that were incorrect.. Never any explanations or concern of my circumstances. I requested on XXXX XXXX that Wells Fargo review my file again and make the necessary adjustments for my wife is on a full time job over 8 months. 
Let me summarize my unfortunate set of circumstances beyond my control which leaded me to default on my mortgage. 

In 2013 I suffered a XXXX injury resulting in XXXX XXXX XXXX. as a result of the injury. 
I could not work and was out of the job for ten months. As the head of the household there was no income coming in. My wife was the only one now working at a part time job. Not enough income to feed XXXX people I have XXXX children. Please understand that this is our only shelter. 

I have presently taken distinctive steps to better our finances .I am certain my financial situation will continue to improve .I have provided several packages to Wells Fargo to no success. They are now refusing to review my file. I need for you to please reach out to them for they are not helpful.
Consumer complaint received 2018-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MS)

I disputed with the company and the company received my information according to certified mail.I have yet to receive the information has actually been verified. I have filed a report with the FTC regarding my information being compromised. Individuals have tried to obtain credit in my name without my authorization. Those negative remarks have made it impossible to obtain new credit.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

please find attached the letter from the creditor ( citi card ) foe which they have approved to have the 30 day late to be removed from my credit reporintings experian, XXXX have been reporting it, please help me to have them removed from their reports thanks
Consumer complaint received 2021-06-11
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: EQUIFAX, INC. (WA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-21
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. (UT)

XXXX ACC # XXXX, XXXX XXXX ACC # XXXX Were both in a bankruptcy I filed on XX/XX/2014. Both of these accounts continue to update showing negative balances after the bankruptcy was discharged over 4 years ago.

I have tried several times to have this issue resolved the credit bureaus and the furnishers but with no success.
Consumer complaint received 2018-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

This company Convergent called the company my daughter works for in another state asking for my name. The called the company main line which is an XXXX # and we do share the same last name. So immediately those called were looked at as her taking personal calls directly through the company business line. They called 4 or 5 times, and after she told them to stop calling, they still called her company, which I am not affiliated with in any way. So my daughter is in trouble at work because these people were looking for me and kept calling. 

I called them back asked them how they even got her number, they said through skip tracing. I asked him why not contact me directly or send mail. He asked if I never received any mail from this cable company, and I have not. My number is the same as it was back in XX/XX/XXXX and they never called me. 

They told me the debt is on behalf of their client for cable service at my address from XX/XX/XXXX-XX/XX/XXXX, I did n't live at this address at that time. I 'm not sure if the original company is trying to put the previous tenants debt on me, but I was not living here until a year later and had no service from them. Actually I had no cable at all. They said the debt was {$1000.00} but its now {$36.00}.
Consumer complaint received 2023-05-18
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)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2018-05-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (NJ)

I have paid beyond double the principal payment of the loan due to the interest rate of over 700 %. The company still continues to take {$140.00} every two weeks. The debt of the loan should be marked as resolved, but the fees and extremely high interest rates has made it impossible and has caused me a great amount of stress and a personal financial collapse.
Consumer complaint received 2018-05-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (MN)

PHH Mortgage Services of XXXX XXXX New Jersey refuses to release me from their private mortgage insurance unless I succumb to their extortionist demands. According to THEM my home is worth {$230000.00}, according to THEM I owe them around {$160000.00}, yet despite them saying this, they refuse to remove the Private Mortgage Insurance on my loan and are trying to extort me for additional money. This is completely unacceptable and they refuse to fix their mistake.
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (SC)

I applied for a Gap Credit card while in the store. They opened 2 credit cards in my name ( duplicate ). When I called to get the issue fixed they kept denying that I had 2 accounts open and saying that they did not make a mistake. I used my ID theft service XXXX XXXX and they where able to get them to admit that 2 accounts where opened simply because I had all the proof and paper work and my credit was pulled for 2 different applications. I ended up closing both cards but it still had a negative effect on my credit history. I would like to get those pings off my credit history since Gap was the ones that make the mistake. 

I applied for the credit card in XX/XX/2017.
Consumer complaint received 2018-05-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have been harassed by Wells Fargo Bank staff named XXXX XXXX XXXX from with attached dunnest that she has mailed may 20-50 smilax dcouments and nothing afterwards. Many of the documents she sent me I had no pending compliant that she need to send me such documents. XXXX XXXX is only harassing us when she no reason to write to us when there was no pending complaint and at any time she provide more detail.as stated in the attached letter. 
On XX/XX/XXXX my loan was modified with first payment starting date on XX/XX/XXXX.

On XX/XX/XXXX I received letter regarding foreclose of my property from XXXX XXXX who was the same officer who approved loan modification. 
I received loan modification on XX/XX/XXXX and in on XX/XX/XXXX I received notice regarding foreclose. Matter of 7 days I received notice for foreclosure and its not past XX/XX/XXXX which is when first payments should start.