davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (FL)

I was on a forbearance plan due to Hurricane Irma from XX/XX/XXXX to XX/XX/XXXX, I had {$30000.00} worth of damage to my home. I was placed on the plan by XXXX and was told that they would not report me to the credit bureaus. XXXX   sold my account to Specialized Loan Services XX/XX/XXXX, at the end of my forbearance plan, XX/XX/XXXX, SLS reported me 6 mths delinquent. SLS put me on a 3 month payment plan, loan modification for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I recently ran my credit and they have reported that I have been delinquent for those 3 months even though they set up automatic payments to remove them directly from my bank accounts, which the payments were removed before the XXXX of each of those months per my bank statements. When I contacted SLS to ask if they received those payments during XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they stated yes, but those were applied to the previous months that I was on the forbearance plan. I asked how that is possible when they told me those 6 mths I was on the plan were put on to the end of my account, they could not answer me and told me that is just how it works. I closed on this house on XX/XX/XXXX, which SLS said that they are aware of, but am unable to get approved by any other lender due to how SLS is reporting my information to the Credit Bureaus. Any assistance that you can provide would be greatly appreciated.
Consumer complaint received 2018-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Regional Adjustment Bureau, Incorporated (GA)

XXXX XXXX has responded check XXXX for {$89.00} caused my account to overdraft. This was not a check but a debit card debit. XXXX allowed this debit on what was a closed account. I personally went to the bank and closed this account. I have tried in vain to resolve this but XXXX is unrelenting. Their employee failed to close my account appropriately and I as the customer is being forced to suffer.
Consumer complaint received 2018-05-24
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 This account came back as a verified account and it was not verified by me XXXX XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX XXXX This item was return XX/XX/2016 and the company have been reporting recent late payments on my account XXXX My student loan are in deferment and is being reported late
Consumer complaint received 2018-06-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I apparently sold my truck to a man named XXXX at phone numbers XXXX and XXXX for {$23000.00}. He sent counterfeit checks of the amount {$26000.00} to my bank, XXXX XXXX XXXX XXXX ( account # XXXX ) from XXXX XXXX XXXX XXXX XXXX ( routing # XXXX ; account # XXXX ). He stated that he was overpaying me because he was having to hire a mover to come pick up my truck to move it out of state. I sent the difference to the supposed mover for the difference of {$3200.00} which is where he told me to send the funds. I sent it to the Bank of America Account ( routing number XXXX ; account number XXXX ) through the XXXX from my XXXX Checking Account ( acct # XXXX ) as instructed from the attached text message thread. I received notice from XXXX XXXX after the funds were transferred that the check for {$26000.00} were counterfeit and the transaction was reversed. No mover arrived to pick up the truck and the scammer has become non-responsive. 

I am now out {$3200.00} from my attached XXXX XXXX account and have filed a claim but was denied since I in fact initiated the transaction. The account at Bank of America is being used for Identity Theft and a deposit account for fraudulent transactions and counterfeit checks. I did reach out to Bank of America and they told me to reach out to multiple agencies to file a complaint. I have copies of all text messages and transactions but can not attach as the file is too big.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX XXXXXXX Date Opened>>>>> XX/XX/2009 XXXX XXXX XXXX XXXX Date opened>>>> XX/XX/2009
Consumer complaint received 2018-05-24
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. (LA)

I have items on my credit report that does not belong to me. I have filed fraud reports to the credit bureaus XXXX, Experian and XXXX. 
The listed company does not belong to me : XXXX XXXX - has two different accounts listed. 

( XXXX XXXX - {$10000.00} and {$6700.00} & XXXX XXXX- {$0.00} and {$0.00} ) But, both has the same account numbers. These accounts are eroneous and does not belong to me. They are hurting my credit score. The credit bureaus are doing nothing to rectify.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (IN)

There are 3 different accounts on all 3 credit bureau reports that are all incorrect. I have recently sent a dispute to XXXX and I'm waiting on results. When I looked at my XXXX  report the accounts are present, but they did not show up when I tried to complete a dispute with XXXX. The problem I'm having is with XXXX. I attempted to dispute these same 3 accounts and I was told that because I have tried to dispute these years ago, I can not dispute them again. XXXX  has not shown me any documentation that states these accounts are correct. What else can I do to have these accounts removed? I have no contract ( and never have had any ) with either of the companies. I am currently working with XXXX XXXX in which they have sent out several letters on my behalf only to get no response.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute the accounts referenced below. 

1. XXXX XXXX, XXXX, I should not have a balance with them as I have never used the services of XXXX XXXX XXXX in order for me to be charged. I returned the equipment they are billing me for within their return period, as a result, I am entitled to a full refund of the charges. 

I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt ( s ). How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

Although you are a separate entity, I have disputed the item with XXXX  and it was immediately removed from their credit report. What is the difference between your investigation and theirs? 

I enclosed copies of my requests to the collection agency, asking them to validate my debt, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, solidifying the fact that this debt belongs to me. As a matter of fact, I don't recall receive any communication from them at all and it has been since XX/XX/XXXX when I sent communication out. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I will not escalate this matter any further upon removal of the item from my credit report. This is truly ridiculous. 

I look forward to an uneventful resolution of this matter.
Consumer complaint received 2018-05-24
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA (TX)

I was advised by a Employee of the XXXX XXXX XXXX that my School Loan would not be due until I finished the XXXX XXXX. Due to the fact i was in school for more than 12 hours i went to the academy from Monday to Friday XXXX. The Employee advised me that due to those hours I would not be responsible for the monthly payments. While in the academy i was being billed by the XXXX XXXX XXXX, but they sent the paper bills to the wrong address. I advised the XXXX XXXX XXXX that i did not receive the bills. Due to the time they charged me i was unaware i was being billed and was told i would not be. Due to the fact i was with out knowing and being told I would not be I was tagged for being late. My credit was hit for late fees when i was advised i was not going to be. I called XXXX  XXXX XXXX and was advised that the employee I spoke with does not work there and that the information was false. I do not agree my credit should be faulted for information i received from an employee that no longer works there.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Experian continues to disregard the FCR rules regarding reporting accurate and correct information. They continue to report a Bankruptcy that is not mines or have my name as it appears on my credit profile. The name they continue to list to a Bankruptcy filing in XX/XX/2017 is not linked to the name and social security matching Social Security Adm. I've provided police reports, FTC report and reports from XXXX XXXX all have investigate including the other credit reporting agency and determined the account does not belong to me. 
Experian is purposely reporting false information without providing proof and only stating according to public records, which if they properly investigate the complaint, they courts would tell them the case is not mines. I'm requesting any legal action that could be taken by the CFPB to begin charges against Experian for not complying with FCR rules and policy. 

I'm again submitting my FTC report along with the third party report XXXX XXXX since there previous response was they have not received any information regarding identity theft. 

I'm also requesting all response from Experian to proceed legal actions from my end for reporting information regarding a fraud name being used on my credit report. 

Their reporting source has removed it along with the other reporting agencies who has conducted an investigation and see that the account doesn't belong me but Experian still will not provide any documentation confirming their information.
Consumer complaint received 2018-05-01
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. (CT)

I have tried several times with XXXX and transunion to dispute a company called XXXX XXXX on my credit that says the account was opened XXXX-16 and now it's also reporting on my credit as XXXX XXXX XXXX. This is not my account nor have I ever heard of it. I did hire a credit repair Company, XXXX XXXX and this was taken off my report a few years ago and as I have been checking my credit the past 3 months this has appeared again. Transunion and XXXX can not verify this and will not take this off my Credit.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

There are a few hard inquires on my credit profile that XXXX has refused to remove. These inquires were not authorized by me and I have requested transunion to remove these inquiries several times. The companies who requested these credit applications need to provide me with proof that these inquires were authorized by me. If these creditors can not provide proof these inquires they need to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquires.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian has been habitually keeping false info on my credit report. There should be no accounts providing serious delinquency. I was recently turned down by XXXX because Experian shows a credit score of XXXX even though equifax shows XXXX and transunion shows XXXX. I have been paying a mortgage for 9 months now with no outstanding debts. Experian needs to get their act together and update my info correctly or I will file a lawsuit against them.
Consumer complaint received 2018-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (FL)

I already submitted a complaint for discriminative closing of account without notice. 
From a deposit caused by my employer request : XXXX XXXX XXXX, of {$4900.00} issued by XXXXXXXX XXXX  XXXX XXXX or XXXX, the check from bank statement returned unpaid because of counterfeit!!!! bank Suntrust applied a {$36.00} returned item fees + {$3.00} ATM balance request fee for a total of {$39.00} making mt account with overdraft fee - {$39.00} due to bank suntrust making the account closing! I submitted supportive documents on this website and the bank calls me acknowledging of making a decision about it ; but nothing else changed, I receive a letter of statement saying that no item were returned 0 item returned after 1 item deposit? but balance stays {$0.00} I did make a check of {$4800.00} to pay a merchant from that account, the {$100.00} balance should be my start up bonus from : XXXX XXXXXXXX XXXX! But the bank suntrust without clear explanation of what happened : why stating a returned item unpaid, than counterfeit, sending a legal copy stamped counterfeit????? 
why applying a return fee of {$36.00} and close the client account without notice? 
why stil clsed claiming that no item was returned, maintaining the account at the opening balance of {$0.00}, because this account was oened to make future deposits not immediate funding deposit???? why?? and moreover no apology written to shows their discomfort toward this succession of mistakes from their employees?
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

WELLSFARGO MORTGAGE SHOWS MANY LATES FOR FOR MORTGAGE PAYMENTS THIS ACCOUNT WAS APPROVED FOR A MODIFICATION DURING THIS TIME AND NO LATES SHOULD HAVE BEEN REPORTED.
Consumer complaint received 2018-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau (IL)

I filed a recent complaint with CFPB regarding complaint number XXXX in early XXXX. According to that complaint, they were going to research can get back with me to provide proof that the debt belonged to me. They have not been able to do that. According to laws governing debt collection, they are supposed to provide me with proof of the debt that has my signature on it. They are stalling and have not been able to prove this. It has been 30 days since I originally requested debt validation and have still not received. Both records that they placed under the credit reporting agencies will need to be removed or I will be forced to escalate this further and even get my attorney involved. This needs to be deleted ASAP.
Consumer complaint received 2018-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (UT)

Account # XXXX ( this is 1 of 4 with CBE Group ) Amount XXXX To whom it may concern, On XX/XX/18 I sent out a certified letter to CBE Group Regarding account ( XXXX the supposed amount of XXXX ) to address XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX. I requested an original bill baring my signature be provided to me showing that this was my debt. 

I only gave them the right to show me this information. Instead they sent me a an alleged statement stating that it was mine divulging personal information violating HIPAA laws. At no time did I request a statement of the procedures that were done. I asked for an original Bill bearing my signature. 
I have sent them three certified letters requesting an original Bill bearing my signature and all they send me are these statements that are not even on letterhead or proper billing forms. Additionally, when I sent them the first letter they did not put on my credit reports, I know this because I ran my credit report again on day 31, that this item was disputed within 30 days following the : Fair Credit Reporting Act section 623 ( A ) ( 3 ) or Fair Debt collections Practices Act section 807 [ 15 USC 1692e ] Fair Credit reporting Act Section 609 Fair Credit Billing Act Public Law 93-495 Section 164 ( i ) Law US Court of Appeals, Ninth Circuit, No. 00- 15946, XXXX XXXX XXXX XXXX The information that CBE Group is reporting is not 100 % accurate They have several misspellings and incorrect name for me that they claim is my debt and will not correct the errors. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I'm trying to get pre-approval for a home loan and when they run my credit Equifax is stating that I don't exist on their system. They have gotten XXXX  and XXXX   report the only one that's giving me trouble is Equifax.
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (MI)

On XX/XX/XXXX I spoke with XXXX, supervisor for XXXX XXXX about a settlement offer of {$550.00}. She accepted the offer but told me she would contact me on Monday, XX/XX/XXXX to process the payment since she needed to allow 48 hours to process the settlement offer. XXXX never contacted me.

I spoke with XXXX XXXX  at XXXX XXXX today who stated he would not honor the settlement agreement I had with XXXX.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I initially sent a dispute as the info on my TransUnion Credit Report is inaccurate as it related to a Chapter XXXX Bankruptcy. I received notice back they the information was verified and it listed it as being verified through the courts. I knew the filing dates were inaccurate so I pulled my file and sent supporting information and sent to the bureau. They still sent me back " Item Verified '' Therefore, they claimed to have gotten the information from the Courts and when I reached out to them ( the Courts ) they advised that they do NOT supply information to Credit Bureaus or 3rd party agencies. To better assist you guys in your research I have attached supporting documentation as it related to the bankrupty listed on my report ( s ) showing a filing date of XX/XX/2016 not XX/XX/2016 as reported to the credit bureaus. With that being said, it is my understanding since they are reporting inaccurate information this MUST BE DELETED as per FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. If you look at the attachment I have attached you will see clearly that the filing was completed on XX/XX/2016.. This items should be removed. 

Thanks in advance for your help in resolving this matter.
Consumer complaint received 2018-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

XXXX XXXX XXXX sold out to Carrington Mortgage while I was waiting on my insurance claim due to Harvey ... Thousands were affected by this storm so I waited my turn ... I have filled out emailed and faxed numerous documents to Carrington ... They seem to have a different answer and form with each call..Carrington has sent out a inspector and know what my money has been spent on.How long do I suffer because I had proper insurance coverage???