davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
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. (NY)

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORT.XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-08-21
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

On XX/XX/2023, XXXX XXXX purchased a residential property through a foreclosure auction conducted by XXXX XXXX XXXX FL. I paid {$390000.00} at auction, and have incurred several thousand in additional costs maintaining the property since then. 

Two weeks after the sale I received a recorded certificate of title. All of the County data bases show XXXX XXXX  as the current owner. 

After the purchase I tried to buy title insurance, but the new title search found a XXXX XXXX, for which XXXX XXXX was the trustee. 

I contacted XXXX XXXX in early XXXX to learn about the mortgage. They referred me to XXXX  XXXX XXXX. I was having talks with XXXX XXXX XXXXXXXX when I got a letter from XXXX telling me I should be talking to Select Portfolio Servicing ( SPS ). 

SPS refused to talk to me because I was not on the loan. I sent them my documentation several times. I called them approximately 30 times. They eventually agreed to tell me how much the payoff amount. 

After receiving the payoff letter, I sent them a proposal to settle the matter. No reply until I called last week. 

But, checking for mail at he property, I found numerous letters from foreclosure attorneys, all addressed to the PREVIOUS owners. 

That made me suspicious, so I checked the court records and found a new foreclosure against the property, initiated in XXXX, but filed agains the PREVIOUS owners. The XXXXXXXX XXXX XXXX  in XXXX, filed the new foreclosure on behalf of XXXX XXXX as Trustee to XXXX. 

As I said at the outset, XXXX XXXX is the owner of record in the County systems. No competent title search could have missed that. So the omission must be deliberate. 

So, either they have been dealing with me in bad faith for the past 6 months, or they were deliberately trying to engineer a new " arms-length '' sale to dissolve my ownership interest. I have called the XXXX XXXX XXXX there times. They have not returned my calls. I sent the attached documents to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (PA)

On or about early XX/XX/2023 I received confirmation from Wells Fargo Bank that Ive been approved for the Loan Modification. And everything was confirmed on my part by way of communication with the Preservation Department that I agreeing to pay the required monthly amount. However on today XX/XX/2023 Wells Fargo appeared to have reneged on its oath because they had their XXXX XXXX XXXX send me a Court Filing Notice Stating that my property is still in Foreclosure and will be up for XXXX XXXX on XX/XX/2023. However when I contacted Wells Fargo on today about this matter I was told that in some states such as Pennsylvania they can not stop Foreclosure and they will not inform the individuals working for them to stop their constant harassment. Then to add an insult as youll see they purposely mentioned my late mother XXXX XXXX XXXX name on the document. This particular third party is working with Wells Fargo and illegally with my Step Father XXXX XXXX to whom hasnt been seen since XXXX knows when and he didnt even attend his wifes ( My Mothers ) Funeral
Consumer complaint received 2023-08-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are Inquiries into my Transunion account from " XXXX XXXX XXXX via XXXX XXXX XXXX ''. I have not purchased or enquired anything from XXXX XXXX. Please work with XXXX XXXX XXXX & remove enquires from my account. I have raised request 2 times but still not able to get this enquiry deleted from my account. I even reached out to XXXX but i am not able to get someone from XXXX. I sent email and called many times but not able to get hold of someone who can help. 
XXXX Below are the details regarding inquires XXXX XXXX XXXX via XXXX XXXX XXXX Enquiry date : XX/XX/2022 Location : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone : Phone number not available Inquiry Type : Individual Permissible Purpose CREDIT TRANSACTION XXXX  Can you please advise what i can do? Same enquiry was showing earlier on XXXX & they have removed it. Can you please remove it and let me know what i can do from my end.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: U.S. BANCORP (TX)

On XXXX, I received an advertisement for a promotional offer from US Bank Account Card Services ( Visa Card ). In brevity, the promotional offer offered new customer/s who opened an account with US Bank to receive {$200.00} Cash Back Bonus if the customer/s spend over {$500.00} within 60 days from date of opening the account. Therefore, I applied for the US Bank Visa credit card through US Bank online website and was immediately approved. 

On XXXX, I received the US Bank Visa Credit Card and activated the account. Although the transaction was difficult due to US Bank website debacles, I was finally able to activate the account after over 5 attempts. Immediately following the activation I received a survey regarding the Customer Service. On the survey I shared my dissatisfaction due to the debacles and online service problems that US Bank was attempting to resolve. US Bank service representative XXXX XXXX contacted me in regards to the survey. I explained the issues that US Bank had and although XXXX XXXX remedied the issue temporarily, my second and third communication with XXXX ended in complete disarray as XXXX was rude and unprofessional to say the least. 

As I requested to communicate in writing for quality assurance and to avoid any miscommunication, XXXX stated that he would provide me with an email address which he NEVER did. Instead, XXXX disconnected my call abruptly and refused to resolve client/merchant issues with my account. 

Be that as it may, I have accumulated over XXXX rewards points equivalent to a cash value of over {$250.00}. However, US Bank and XXXX XXXX are refusing to allow me to redeem my rewards points for cash.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XXXX I soldthe vehicle associated with the XXXX XXXX XXXX XXXX This account is reporting a late payment for themonth of XXXX and XX/XX/XXXX and then closed on XXXX XXXX. This is inaccurateand false. I sold this truck as is to XXXX XXXX and signed all of the legal documents generated by XXXXthrough their communication with XXXX XXXX. As of XX/XX/XXXX I no longer owned the truck or had access to it. Per thecontract that I was obligated to sign, XXXX Bankverified all information with XXXX. XXXXXXXX XXXX XXXX representative 's name is XXXX XXXX per thecontract I signed with XXXX. As of XX/XX/XXXX XXXX XXXX held the title. The XX/XX/XXXX and XX/XX/XXXX late reported on this account are inaccurate and false because the vehiclewas legally sold to the dealership who was in communication with XXXX XXXX. I was not obligated to make any furtherpayments to XXXXXXXX XXXX for XXXX and beyond based on XXXX XXXX XXXX  and XXXX XXXX communication. The derogatory payments reported should be removed from my public consumer file in accordance with the FCRA. See contract attached.
Consumer complaint received 2023-08-23
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-23
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-23
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: EQUIFAX, INC. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC (SC)

On XX/XX/XXXX I was granted a county property tax deduction ( from 6 % to 4 % ) based on primary residence status. My mortgage company claims that they reached out to the county on XX/XX/XXXX and were told to pay the 6 % rate. This can not be true, as my property tax bill has been adjusted down since XXXX. The mortgage company wrote a check for the higher ( 6 % ) amount and now claims that my escrow account is short over {$10000.00}, and intends to increase my mortgage payment to make up the shortage beginning XX/XX/XXXX. I will not be able to pay the overage, and should not be held liable for a mistake that was made by the mortgage company. I have documentation to prove that my property tax bill has been adjusted down since XX/XX/XXXX. I can and will pay to cover my real property tax amount and can pay nothing more.
Consumer complaint received 2023-08-21
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: CORELOGIC INC (FL)

XX/XX/2022. I called to XXXX XXXX Home Mortgage for a discussion of mortgages, but did not authorize a mortgage application nor a credit check. I repeatedly and expressly forbid a hard credit check to its aggressive agent. I already knew my ( high ) credit score. 

I learned later that despite my warning, XXXX XXXX committed fraud and identity theft by processing a hard credit check without my permission, through CREDCO, which produced published harm to my credit score. When I complained, the XXXX XXXX " Executive Offices '' unilaterally denied any wrongdoing. XXXX XXXX seemed to be fully aware of the their wrongdoing but instead, denied it in order to protect the resulting benefit to itself. More specifically, the agent benefits by processing as many mortgage applications as possible. 

CREDCO says it only allows their clients ( XXXX XXXX in this case ) to make determinations and final conclusions in response to consumer complaints. Again, this results in the automatic denial of any fraud or other wrong-doing.
Consumer complaint received 2023-08-23
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)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION (NC)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still XXXX The creditor is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX
Consumer complaint received 2023-08-23
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. (NV)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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. (NY)

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Affirm Holdings, Inc (NV)

I have made numerous attempts to have a fraudulent Affirm loan removed from my credit record. Despite submitting an affidavit, a police report, and an identity theft report, both Affirm and XXXX have been unwilling to remove it from my credit history. This fraudulent loan is negatively impacting my credit score. This incident occurred as a result of my phone being stolen, which led to identity theft.
Consumer complaint received 2023-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I submitted my student loan consolidation and SAVE IDR enrollment applications at XXXX in XX/XX/XXXX with a balance of around {$21000.00}. After weeks of delay and hours spent on the phone with Nelnet trying to resolve their system errors and conflicting amounts, they finally consolidated the loans a month later after racking up hundreds more in interest. 

Nelnet stated the XXXX XXXX would be applied within 180 days ( 6 months! ). In XX/XX/XXXX I received an email from Nelnet stating my account was in forbearance due to pending XXXX XXXX processing. However a month later in XXXX, when I checked the status of the XXXX XXXX on nelnet.com, it said my account was now in Standard Repayment with no history of a pending IDR. 

Once again I spent hours on the phone with Nelnet to be told that someone at Nelnet actually " cancelled '' my XXXX application internally in XX/XX/XXXX instead of processing it. They wouldn't release any information on who, how, or why this action was taken. However, studentaid.gov, the actual originator of the application, shows the application is not actually cancelled but is still pending. Nelnet refuses to process this application stating I need to initiate a new " verbal application '' with them via the phone and start the whole process over again. 

Meanwhile my student loan balance continues to increase by hundreds of dollars with payments due this month in XX/XX/XXXX.