davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want this account deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

As usual, Select Portfolio Services is up to shenanigans on my mortgage XXXX. 

I sent a {$2900.00} payment on Saturday, XX/XX/XXXX to their overnight address, which they received at XXXXXXXX XXXX on XX/XX/XXXX. I have proof from the USPS in the attached document ( Slide XXXX ). 

The U.S.P.S. confirmed the package was received on XX/XX/XXXX at XXXXXXXX XXXX. ( Slide XXXX ). So, THEY SHOULD HAVE POSTED IT XX/XX/XXXX. THEY did not. They are waiting for some reason. I pray to XXXX it posts XX/XX/XXXX and is back-dated to XX/XX/XXXX. 

This is unacceptable. I want the payment back-dated to XX/XX/XXXX, which is the day they received it. As I understand it, they HAVE TO DO THIS! IT IS THE LAW! 

This is a very important payment for me. The payment, by posting on XX/XX/XXXX, would mean that my mortgage was CURRENT as of XX/XX/XXXX and XX/XX/XXXX, with my next payment not due until XX/XX/XXXX. 

This is important because by making my mortgage current on XX/XX/XXXX, it resets the foreclosure clock that all mortgage lenders run. I know this because I was a XXXX XXXX at XXXX XXXX XXXXXXXX. 

But what I believe THEY are doing is trying to drag the posting of my payment into XXXX so you can claim I was never on time and keep the foreclosure clock right where it is! It is a DISPICABLE tactic! and they must be stopped. 

You can see in my attachment that the payment is posting effective XX/XX/XXXX ( slide XXXX ). This is one day late as they dragged their feet on posting the payment. You must fix this! 

Further, I want a SIGNED letter from SPS stating my mortgage was current on XX/XX/XXXX, and XX/XX/XXXX, with my next payment due XX/XX/XXXX. So, in the future, WHEN SPS tries to pull a fast one, I can throw their own acknowledgement letter back at them. 

I want this payment back-dated to XX/XX/XXXX XXXX, XX/XX/XXXX! Please use your power to force these clowns into doing their jobs! 

Regards, XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2017-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

This debt was disputed and found to violate fair credit act and then removed on XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, Smith Rouchon and Associates blatantly disregarded the investigation and underhandedly reported the same false information from XXXX/XXXX/XXXX thinking I would not notice. This is unscrupulous, unfounded and has adversely caused suffering and damaged my credit again.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

am writing to file a formal complaint against Equifax, a consumer credit reporting agency, for their failure to comply with the request to block all items related to identity theft under section 605B of the Fair Credit Reporting Act ( FCRA ). 

In XXXX, I submitted a formal request to XXXX to block all items pertaining to identity theft within four business days as stipulated under section 605B of the FCRA. This was in response to incidents of identity theft that have affected my credit report. However, despite the legal obligation and the time-sensitive nature of the request, XXXX has failed to take the necessary actions within the specified timeframe. 

This delay in action from XXXX has placed me in a precarious position, exposing me to potential financial risks and further damage due to the unresolved issues related to the identity theft. I have made multiple attempts to contact XXXX to expedite this process, but to no avail. 

I am seeking the intervention of the Consumer Financial Protection Bureau to address this matter promptly and ensure that XXXX complies with the legal obligations set forth in the FCRA. I urge your office to investigate this non-compliance and take the necessary actions to enforce the provisions of the FCRA, thereby protecting consumer rights and preventing further harm due to the negligence of XXXX. 

Enclosed with this letter are copies of all relevant correspondence, including the initial request made to XXXX, as well as any additional documentation deemed necessary to support this complaint. 

I kindly request that the Consumer Financial Protection Bureau take swift action in investigating this matter and take the appropriate steps to rectify the non-compliance exhibited by XXXX. Your prompt attention to this issue is greatly appreciated.
Consumer complaint received 2023-10-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX  is trying to collect on an amount that is not true and accurate. XXXX reference number XXXX states the amount owed it XXXX but the account was charged off at {$2600.00}. and XXXX XXXX XXXX they say amount due is XXXX but the account was charged off at {$130.00}.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MD)

I have a Chase XXXX XXXX credit card, which provides a fee waiver for the first checked bag on XXXX XXXX. When I arrived at the airport on XX/XX/XXXX for my flight from XXXX XXXX to XXXX, I was informed that I needed to pay a {$75.00} checked bag fee, despite 1 ) having booked my flight on the XXXX website, 2 ) having booked a United code shared flight ( which I didn't realize at the time was actually operated by XXXX because it was buried in the fine print ), and XXXX ) the flight being operated by a XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

I called Chase to ask about the charge on XX/XX/XXXX, and the Chase representative informed me that I could ask for a refund through XXXX, which I did ( Request ID : XXXX ). The Chase representative also informed me that the card waives checked bag fees for all XXXX and XXXX XXXX flights. XXXX denied my refund request.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-31
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile has failed to maintain reasonable procedures the operations to ensure, the maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX  XXXX .... The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last XXXX years for employment purposes. FCRA 15 USC 1681
Consumer complaint received 2017-12-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (VA)

My daughter was attending college up until XXXX, I had moved from XXXX XXXX to XXXX in XXXX. In early XXXX I pulled my credit and noticed there were derogatory reports on my credit report from a " nelnet ''. I had no idea who or what this was. So I called the company and asked what the issue was and why it was being reported to my credit report. After going through verification the customer service representative got rude, was swearing and threatening me. I again told Nelnet that there was no need to use such language or threaten me and was happy to work with them to clear this off my credit report since I was unaware of this bill. Nelnet did not have my recent address since I had moved out of state. When I had updated them with the correct contact information the calls came all hours of the night as shown by my cellular records after repeatedly telling them not to call. My first request to cease and desist was XXXX of XXXX, yet the threating phone calls kept coming in from Nelnet all hours of the day and night. The reports that Nelnet have made and continue to make to the credit buearas are false, when I explain to them it was an oversight and try to correct it, Nelnet again starts swearing and telling me that they are there to ruin my credit score across the 3 bureaus and make sure I do not obtain a job. In fact when I have tried to work with Nelnet to get this paid off in full so this does not affect my job search the customer service lady laughed and suggested that I " apply at XXXX that they are always hiring. '' This only scratches the surface of the horrors and harassment that Nelnet does and I am prepared to show you evidence of their repeated phone calls after hours.
Consumer complaint received 2017-12-04
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. (MO)

XX/XX/2015, my vehicle was charged off, after being unable to pay for the vehicle. the vehicle was added to my credit report, however he account was never closed. I have contacted the XXXX XXXX XXXX Account # XXXX, with ending amount of {$9600.00}. I contacted the company and offered to pay 35 % of the amount owed. ( {$9600.00} ).  XXXX XXXX XXXX XXXX XXXX counter stating they would settle for {$10000.00} XXXX increased the amount after knowing that I was in the process of buying a resident.
Consumer complaint received 2023-10-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

on the XXXX of XXXX i got a call from a real estate investor wanting to buy my property, he said my house was scheduled to sell on the XXXX of the same month. the next day i contacted the mortgage company and they said they sent me a letter which I still have not received, they said they posted the documents on my from door, but nothing was attached to the front door. and I have XXXX ' tall gates .nobody can even get to my front door unless i allow them to.. I never got served nor did i get a certified letter nothing.. They won't modify my loan, so I applied for mortgage relief via government website and they are in the process of modifying the loan and the mortgage company told me twice that they won't postpone the sale date. I called the attorney and submitted a request to postpone, so i did explain the whole situation and submitted proof of my application with ca mortgage relief .org and the lawyer stated that they forwarded the email to the lender " for review ''. the lender says the attorney can postpone the sale, but then the attorney forwarded it to the lender as if they make the decision. I have $ XXXX plus of equity on this huge property and I feel as though the lender is wanting to be the owner of this property..
Consumer complaint received 2022-05-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ARVEST BANK GROUP, INC. (OK)

I applied for mortgage refinance XX/XX/2021 with Arvest Bank. They required {$500.00} fee. All the information they requested I provided by person and email. My credit score is above XXXX, income six figures. Every month they requested bank statements and credit reports/scores. My mortgage was then appraised for less than original home purchase. This process went on until XX/XX/2021. Two days prior to the closing, Arvest informed me that I needed to provide another bank statement and credit report which required unlocking it several times. Needless to say closing never occurred. I contacted Arvest about the issue on several occasions. I was told that my account was transferred to different people so it was just miscommunication. I refinanced and closed with another lender 45 days later. I requested refund of the {$500.00} and was told it was used for the appraisal.
Consumer complaint received 2017-12-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (GA)

Under the laws of the State of Georgia UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies.

I am not liable for this vechile.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2023-10-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

I never lived here I am writing to dispute a collections account that appears on my credit report. I have reason to believe that this account is not a valid debt, as the debt collection agency listed on my credit report, FAIR COLLECTION & O / XXXX XXXX does not have a license to operate in the State of XXXX, where I reside. 
I have enclosed evidence to support my claim which confirms my residency in XXXX where i have been living for 10+ years and still am living. 
As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), a debt collection agency must be licensed in the state where it operates and the state where the consumer resides. In addition, XXXX law requires debt collection agencies to obtain a license from the XXXX Department of Business Oversight ( DBO ) before engaging in debt collection activities in the state. 
Given that FAIR COLLECTION & O / XXXX XXXX does not have a license to operate in XXXX, I request that you immediately remove this collections account from my credit report and anything that has to do something with this debt as it is in violation of the FDCPA and the RFDCPA Thank you for your attention to this matter. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-10-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: United Shore Financial Services, LLC (NJ)

On XX/XX/23 I received a letter from United Wholesale Mortgage ( UWM ) stating that We have provided materially false information in the Uniform residential loan application and are therefore in default of the security instrument. you failed to disclose a debt opened prior to your completion and execution of the loan. 

The debt they are referring to has already been paid off. 

UWM is pressuring us to refinance or face Foreclosure. With the rates increasing, its making it impossible for us to qualify again for a loan. The closing costs are too high. We can only afford the current mortgage payment we have now. 

UWM called us and threaten us that we committed fraud, and if we don't refinance we can face 1 Million in fines and up to 30 years in federal prison.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

There are currently loan reporting on my credit I do not know of or took out I never been to school in 2017 the fact that I was busy having my first child I never co sign or told anyone to use my information to get a loan. Although there are in good standing there are still invalid and unknown please remove the following : DEPT OF EDUCATIONXXXX Acct # XXXX {$3500.00} DEPT OF EDUCATIONXXXX XXXX {$4400.00} DEPT OF EDUCATIONXXXX XXXX {$6300.00} DEPT OF EDUCATIONXXXX  XXXX {$3500.00} DEPT OF EDUCATIONXXXX XXXX {$6000.00} DEPT OF EDUCATIONXXXX XXXX {$3500.00} The loan show up 6 times with different amounts
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are currently loan reporting on my credit I do not know of or took out I never been to school in 2017 the fact that I was busy having my first child I never co sign or told anyone to use my information to get a loan. Although there are in good standing there are still invalid and unknown please remove the following : DEPT OF EDUCATIONXXXX Acct # XXXX {$3500.00} DEPT OF EDUCATIONXXXX XXXX {$4400.00} DEPT OF EDUCATIONXXXX XXXX {$6300.00} DEPT OF EDUCATIONXXXX XXXX {$3500.00} DEPT OF EDUCATIONXXXX XXXX {$6000.00} DEPT OF EDUCATIONXXXX XXXX {$3500.00} The loan show up 6 times with different amounts