davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XX/XX/XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX To : XXXX XXXX Chief Executive Officer and President of Select Portfolio Servicing SELECT PORTFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : SPS XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX MIN # MIN XXXX Property : XXXX XXXX  XXXX XXXX, XXXX Fl XXXX DISPUTE LETTER I am writing you to dispute the following information found in my mortgage. 

Since XXXX  XXXX XXXX was the servicing Bank of my loan, mi mortgage with XXXX XXXX XXXX XXXX, was erroneously assigned to a Pooling and Servicing Agreement that have never been part of XXXX XXXX XXXX XXXX assets, according XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : 1. On XXXX XXXX  XXXX XXXX erroneously assigned XXXXXXXX XXXX MIN # XXXX. Mortgage was executed on XX/XX/XXXX by XXXX XXXX and XXXX XXXX XXXX XXXX, the assigned erroneously to XXXX XXXX XXXX Home Equity, Series XXXX by servicing bank, XXXX XXXX XXXX . On XXXX the servicing was transferred to SPS. 

I am therefore requesting that SELECT PORTFOLIO SERVCING open an investigation regarding this matter and correct, update my mortgage information, as quickly as possible and stop any WRONG FORECLOSURE # XXXX active, under such false information. 

Enclosed you will also find copies of XXXX XXXX MIN # MIN XXXX. 

This error has caused innumerable damages to me and family. 

Failing to fix this XXXX XXXX information in the above matter you may be liable for your errors under your servicing from XXXX to present. 




XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Consumer complaint received 2019-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WESTERN CONTROL SERVICES, INC. (CO)

RECEIVED PHONE CALL FROM WESTERN CONTROL SERVICES XXXX XXXX LEFT A MESSESAGE DIDNT IDENTIFY WHO MESS WAS FOR BUT WAS A DEBT COLLECTOR. CALLED BACK XXXX XXXX XXXX  HE ADVISED I HAD AMOUNT OWED ON MY BILL TOLD HIM I HAD A DISPUTE ON AN ITEM WOULD GET BACK WITH HIM BUT WANTED TO TAKE CARE OF IMMEDIATELY TOO GET RESOLVED.XXXX XXXX XXXX AGAIN ON XXXX XXXX, 2019 DIDNT GIVE MINI MARANDA DIDNT WANT TO LISTEN TO ANYTHING I HAD TO SAY JUST AMOUNT WAS OWED TOLD HIM I WANT TO PAY BUT ID LIKE SOME MORE INFO HE SAID NO AND STARTED THREATING HE'D JUST REPORT TO MY CREDIT AFTER I TOLD HIM I WAS GOING TO PAY THE BILL I OWE {$380.00} TILL TODAY I HAVE NOT RECEIVED WRITTEN NOTIFICATION FROM THIS COMPANY. I'M GOING TO BE CONTACTING AN ATTORNEY IN REGARDS TO MY CONSUMER RIGHTS THIS COMPANY IS HARRASSING ME AND I ALREADY SAID WOULD PAY THE BILL. THIS COMPANY HASN'T FOLLOWS THE FDCPA
Consumer complaint received 2019-02-20
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: EQUIFAX, INC. (VA)

The following accounts are fraudulent and my identity was used. I even have proof from the creditors and Equifax keeps believing them. Of course they are going to say it matches me, someone took my identity. 

- Medical collections account - XXXX XXXX XXXX - Both XXXX XXXX XXXX accounts listed
Consumer complaint received 2019-02-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (AZ)

There are too many dates to list that they have delayed/rejected/improperly handled turning in and approving my IDR request, most recently NOW. A year ago they did the same thing. Everything, including bank statement and pay stubs and request, is rejected without reasons. Every time this happens I am in deferment and, of course, this eats away at time I may need later on in time of true need. I also have issues lowering my payment. My household is paying mine and my husbands loan off and we literally live paycheck to paycheck. Calling is no help ... they don't even understand what I am saying and have no answers. Last year I couldn't even get it straightened out, to the point of taking almost the entire year till I had to recert again. My doctor is saying t hat after analysis of my life style that the greatest stress IS my student loans and the inability to get assistance. PLEASE help me! I have no idea what to do. I am at the point of looking for a class action lawsuit so that I can get some relief!
Consumer complaint received 2020-04-17
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)

I have several accounts that were absolved by my discharged BK and the credit company has not removed the tradelines even after multiple attempts to dispute them. The discharged rental debt still showed and as a result I have had to pay more in deposits for renting an apartment. 

It has also caused for auto denials stating that they are still able to see debts that should no longer be there. 

Furthermore my student loans were consolidated years ago and those tradelines have not been removed well past the statute date.
Consumer complaint received 2019-02-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

My current mortgage is with Ditech. They have missing payments on my account when they found the {$6000.00} mistake they want me to pay all the late fees on the money they missed placed. They said they bounced a bunch of checks which I have not. And now I am facing foreclosure they will not take my money according to their attorney I am actually not in foreclosure. They overcharge my percentage rate and I have been on making homes affordable for several years. Their customer service is extremely horrible And extremely XXXX  and no one is willing to help. I have all my documentations and I want to save my home. Ditech is the worst company and I have been bought out by several different mortgage is starting with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and now Ditech. Which in fact they put me on the no call list so nobody can call me I do not get any sort of monthly statements in the mail. I need help because Id like to save my mortgage Ive owned my home for 14 years I have all my documentations and I want to save my home. Ditech is the worst company and I have been bought out by several different mortgages starting with XXXX XXXX XXXX, XXXX, XXXX and now Ditech. Which in fact they put me on a no call list so nobody can call me I do not get any sort of monthly statements in the mail. I need help because Id like to save my mortgage Ive owned my home for 14 years
Consumer complaint received 2020-04-16
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. (PA)

I ordered my credit report through XXXX as instructed by the FTC Consumer Information web site on XX/XX/2020. I ordered a credit report from TransUnion. This required the submission of a social security number, date of birth, address, and answering security questions. My report came back for someone else with a different date of birth and a different social security number. I clicked the Initiate Dispute Button and then Start button on a new page to open a dispute and nothing happened. I clicked Found an Inaccuracy and nothing happened. 

I was able to obtain correct credit reports for my wife and me from XXXX with no issues. My wifes credit report from TransUnion was fine. 

There is absolutely no excuse for providing a credit report for someone with a different social security number and date of birth. I have enough information to steal this other persons identity. 

You NEED to contact me for the other person 's information.
Consumer complaint received 2019-02-20
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. (FL)

I am a victim of identity theft. I recently learned that my personal information was used to open an account with XXXX XXXX XXXX in XX/XX/2018. I disputed this fraudulent account with this company and never received any sort of results from the bureaus. I sent them over the fraud affidavit packet and it as still not removed from my report. It has been over 45 days. This is not ok for them to report inaccurate information that does not belong to me. I did not open or authorize this account, and I therefore request that it be closed immediately and removed from my consumer report. I also request that XXXX XXXX XXXX absolve me of all charges on the account, and that they take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2019-02-20
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. (FL)

For the last 4 months I have contacted this bureau to remove these unauthorized hard inquiries on my consumer report. I did not authorize any of them. This bureau has not got back with me within the 30 days or even after. They are not cooperating with me and giving me results of whats going.
Consumer complaint received 2019-02-20
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. (MO)

After several attempts to remove the following unauthorized inquiries, I'm now requesting your companys Method Of Verification in response to the company 's verified response. What physical documentation did you verify the following accounts/inquiries that says their mines. Inwhom did you speak with and when. What method of communication taken place. I'm asking that you/ your company 's remove this inquiries or give me physical documentation to support your claims. The unauthorized inquiries are as following, ( 1 ) XXXX XXXX  (XX/XX/XXXX ) ( 2 ) XXXX XXXX ( XX/XX/XXXX ) ( 3 ) XXXX XXXX  ( XX/XX/XXXX ) ( 4 ) XXXX XXXX (XX/XX/XXXX ) ( 5 ) XXXX XXXX  (XX/XX/XXXX) ( 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( 7 ) XXXX XXXX XXXX  ( XX/XX/XXXX) ( 8 ) XXXX  ( XX/XX/XXXX ) ( 9 ) XXXX XXXX (XX/XX/XXXX ) ( 10 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ( 11 ) XXXX XXXX ( XX/XX/XXXX) And the following account, I'm also seeking the Method Of Verification for, ( 1 ) XXXX XXXX XXXX, {$0.00}
Consumer complaint received 2019-02-20
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: EQUIFAX, INC. (IL)

My identity has been compromised, and the following unauthorized inquiries needs to be removed from my credit report or the responsible party inwhom reporting them should send me the applicable physical documentation as required by law. Please remove the following inquiries 1 ) XXXX XXXX XXXX ( XXXX ) 2 ) XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX XXXX XXXX   ( XXXX ) 6 ) XXXX ( XXXX ) 7 ) XXXX  XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX, XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 ) XXXX XXXX XXXX ( XXXX ) 11 ) XXXX  ( XXXX, XXXX, XXXX ) 12 ) XXXX XXXX ( XXXX ) 13 ) XXXX ( XXXX ) 14 ) XXXX XXXX ( XXXX ) 15 ) XXXX XXXX  ( XXXX ) 16 ) XXXX XXXX XXXX ( XXXX ) 17 ) XXXX XXXX ( XXXX )
Consumer complaint received 2019-02-20
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. (AZ)

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-02-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I purchased my car new in XX/XX/2014. I was in immediate need of a car. The payments were always high ... .but the need was great. I had to commute to work. 
I have tried several times for a change in interest rate or a refinance. When I make a payment almost half at times goes to interest. The principal barely moves. 
the car new was market price of approximately 22k. I now owe XXXX more on the car. I still make the monthly payments with much going to interest. I feel as if I walk away ... I am the XXXX. My credit score tanked because payments to them have been so difficult because my financial situation had changed. 
This bank is the worst. I get calls and they will say to me ... 
Is the tow truck in front of your house? They once took my car when I had made arrangements to pay them. I told them my checks come at the end of the month. They took the car right before the date. ' Capital One bank is predatory in nature.
Consumer complaint received 2019-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one ( XXXX ) XXXX I had a fraudulent transaction made on my account made in Monday XX/XX/XXXX at a XXXX store for {$140.00} and I received an alert on my phone App. I immediately reported it to the credit card company and told them that I was at work during that time and somehow there was a fraudulent activity on my account. They told me not to worry about it that my account was 100 % fraudulent protectected against unauthorized transactions and they removed the charge on XX/XX/XXXX. Then I received a letter that the investigation was closed and that they had determined that I was not liable for the fraudulent transaction. On XX/XX/XXXX XXXX rebilled the {$140.00} and said that pretty much they changed their mind and spoke to supervisor ID XXXX and said that they are holding me accountable for that transaction. I said if that I am not willing to accept responsibility for a transaction that was not made by me. She said that I couldnt do anything else and that I have to pay that unauthorized transaction.
Consumer complaint received 2019-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I currently have two American Express points Credit card. I have earned close to XXXX points. I was trying to redeem the points, I get an error stating that my account is on hold and I am not able to use the points. Upon speaking to several customer representatives, I was told there was a hold on spending the points for a few months without giving a clear reason for the same. No representative has an idea of why it is happening this way.
Consumer complaint received 2019-02-20
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: Western-Shamrock Corporation (GA)

WESTERN SHAMROCK CORP {$440.00} There is no contracts, no valid claims ... account was settled with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
Consumer complaint received 2019-02-20
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX {$440.00} There is no contracts, no valid claims ... account was settled with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
Consumer complaint received 2019-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX {$220.00} There is no contracts, no valid claims ... account was settled with original creditor and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
Consumer complaint received 2019-02-20
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: EQUIFAX, INC. (GA)

XXXX XXXX {$340.00} There is no contract, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
Consumer complaint received 2019-02-20
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: Convergent Resources, Inc. (GA)

CONVERGENT OUTSOURCING {$340.00} There is no contract, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
Consumer complaint received 2020-04-17
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. (FL)

I have sent all three credit bureaus police reports all of my identification for items that are listed on my credit that are erroneous. They keep asking for stuff like the email showing that the police report was indeed approved Im on other frivolous things that I have nothing to do with getting these items off of my credit I have A new police report in three days ago that they shouldve received by now and I do not want a reinvestigation already said the police report in in these items were to be removed immediately and its been over 90 days I just want the items listed on the police report that I have attached removed from my credit from Experian XXXX XXXX and XXXX.
Consumer complaint received 2019-02-20
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. (GA)

XXXX XXXX {$340.00} There is no contract, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.