davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

X/X/17 submitted a request to cancel PMI in writing.
X/XX/17 request to remove PMI was declined. They say because my LTV ratio does not meet requirements. I have 57 % equity in my house and it 's been about 8 years since I refinanced. I have lived in my home for 9 years. There was no appraisal done when the loan was funded. They are saying the amount my loan was funded for is also the value of my home. This is incorrect information. I was told I can not speak with anyone that handles PMI removals and was instructed to submit another request to dispute the decision and why. X/XX/17 sent letter via fax disputing the decision.
Consumer complaint received 2017-08-15
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. (FL)

Transunion is reporting incorrect information on my credit report. Several attempts via phone and US mail informing Transunion of these errors were attempted without success. The following accounts are being reported derogatory and needs to be corrected to current/paid or needs to be removed due to being closed over 7 years ago. 1. XXXX XXXX XXXX/ acct # XXXX is showing being derogatory. This account is closed and was never late. XXXX XXXX  attempted to send several correspondences to correct wrongful information on Transunion reporting. 2. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account has been closed over 10 years ago and was never late. 3.XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 4. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 5. XXXX XXXX XXXX acct # XXXX. This account is showing being derogatory on my credit report. This account was never late. Please correct this information as soon as possible.
Consumer complaint received 2017-07-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC (CA)

I have two collection accounts with XXXX XXXX XXXX, XXXX, however I got a letter from XXXX XXXX XXXX XXXX ( for one of the accounts ) requesting payment for it. I 've recently called XXXX XXXX, XXXX to have them verify it but they said they had no record of it and to contact XXXX. 
I contacted XXXX both online and over the phone. Their website and woman I spoke with said that they could n't collect payment and I 'd have to talk to XXXX ( she gave me their number and website ). 
I do n't understand, I was never contacted about the change in companies, and it still is showing XXXX XXXX owns the debt on my report. However this is not the case and they wo n't take payment ... 
Can more than one company own the debt? And am I not supposed to be notified of the change? I have no contract with any of these companies
Consumer complaint received 2017-08-15
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. (GA)

Listed below are on my credit report : I am XXXX XXXX XXXX NOT XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$130.00} Amount {$130.00} Status Date XX/XX/XXXX Status UNPAID Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$300.00} Amount {$300.00} Status Date  XX/XX/XXXX Status UNPAID Case/Docket # XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Amount {$800.00}
Consumer complaint received 2017-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (NC)

On XXXX XXXX, XXXX I wrote a letter to Online Information Services asking them to validate a debt that was showing on my credit reports. In this letter, I asked for proof of contractual agreement, COMPLETE accounting of the alleged debt, copy of any judgement obtained by creditor, etc. Online Information Services received my letter on XXXX/XXXX/XXXX and in their response to my request Online Information Services did n't provide me with any of the requested documents. Instead, I was sent an incomplete accounts receivable ledger. Not to mention, the date section of this ledger says " XXXX through XXXX '', yet, this debt seems to be from XXXX.
Consumer complaint received 2017-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (CA)

I contacted the bureaus, and XXXX about a telephone bill that is not mine. I proved to them that I am victim of Identity Theft. An ID Theft Report was sent these companies, they could not validated the XXXX account which was purchased by XXXX XXXX. It seems XXXX has sold the account twice. The second company being DIVERSIFIED CONSULTANTS, which has inserted a negative mark on my credit.
Consumer complaint received 2017-07-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XXXX reported debts on my account a few years ago. I requested validation because I knew nothing about this - XXXX failed to validate with me after I sent them a registered letter. I sent this information to all three credit bureaus ( XXXX, XXXX, experian ) - the credit agencies removed the XXXX listings. Fast forward four or so years. THE SAME listings pop up once again. once again I sent a request to XXXX about these, what are they please validate. They again fail to do so. I sent this information over the the three credit agencies. XXXX deletes the listings. experian deletes all but one of the XXXX listings. XXXX deletes NONE of the listings. This is the second time they have done this, is n't it illegal to do this again after they failed to provide validation the first time? I have the receipts from the original letter to XXXX that they received. I send copies to the credit reporting agencies of both the letter I sent to XXXX, the tracking number and the actual USPS form showing it was received and it had been over 30 days since they received it.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Subject : Request to remove inaccurate information from my credit report Dear Sirs : I am writing to dispute the accuracy of the following information in my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. After reviewing my report, I have identified inaccurate information that unfairly affects my credit score and would like to request removal of this incorrect information. 

Account details in dispute : XXXX * XXXX balance : XXXX Reason for dispute : This account contains inaccurate information that does not accurately reflect my financial history. Under Section 611 of the FCRA, I have the right to have my credit report accurate and verifiable. 

Since the information is inaccurate, please request that it be removed from my report or, alternatively, that its validity be verified within 30 days. In addition, pursuant to the FCRA, the credit bureau is required to confirm that all information reported by creditors is correct and verifiable. If the creditor can not provide detailed and valid documentation justifying the accuracy of this information, I demand that this account be removed in its entirety. 

Request for Documentation To validate the accuracy of this account, please request that copies of all related documentation be sent to me, including : * Original contracts signed by me. 
* Communication records showing my relationship with this account. 
* Evidence showing that the account is valid and accurate. 

If these documents can not be provided, you must remove the account from my credit report in compliance with the FCRA. 

Request for Confirmation Please confirm in writing that the account has been removed or, if applicable, that it has been modified on my report. I look forward to receiving a copy of my updated report to verify that the change has been made. 

Thank you for your attention to this request. I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if I do not receive an adequate response within the stipulated time period. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2017-08-15
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. (IL)

I sent final request on XX/XX/2016 documents that they have in my files as of this date that you used to verify the accuracy of the accounts listed below. Im XXXX Veteran who suffer from XXXX I lost a was denied for a house because they woulnt remove this item in my credit report or correct them. Item ( A ) information mislead incorrect ITEM ( B ) showing information as derogatory Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or be removed immediately.
Consumer complaint received 2017-08-15
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: Blakely-Witt and Associates, Inc. (TX)

I have contacted Blakey-Witt with no succes. I called XXXX XXXX. No call back. I also contacted them through mail on XXXX XXXX. I submitted a complaint through the BBB and have had no response.
Consumer complaint received 2017-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2017 this report incorrect never repaired. It does not show the same information as posted for my husband on our joint accounts. Also they failed to remove the credit freeze inhibiting access. They failed to notify the other credit bureaus. The dispute procedure is a farce and I could not add a personal statement. A sad joke.
Consumer complaint received 2017-07-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Crow Creek Sioux Tribe (NE)

Received an online payday loan and have been placed on medical leave with XXXX XXXX Now only receiving XXXX of my income on XXXX I am in Nebraska I am afraid to contact the online company and they keep charging XXXX a month fees So I borrowed XXXX now it is up to owing over XXXX I want to contact a debt relief company to help me deal with this Wanting to know can this company charge these fees and interest in Nebraska for an online Payday loan Thanks
Consumer complaint received 2017-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (PA)

On XXXX XXXX I was notified by a debt collector 'Security Credit Services '' that I owed a debt to XXXX XXXX XXXX XXXX XXXX program for {$1200.00}. I stated to Security Credit Services that the debt was not right and that I will dispute the information. I sent Security Credit Services a letter informing them that I wanted to see all of the paper work for XXXX XXXX XXXX XXXX that shows the debt. I do not owe XXXX XXXX XXXX XXXX since the terms for them was that they would bill my credit card monthly starting in XXXX. XXXX XXXX XXXX XXXX continued to charge my credit card with the last payment being on XXXX XXXX. I did not tell XXXX XXXX XXXX XXXX to stop taking payments, nor did I cancel the contract. From my credit card statements XXXX XXXX XXXX XXXX received XXXX a month from me starting with the down payment in XXXX for a washer and dryer that cost a total {$1200.00} with tax. The next payment was made 2 weeks later then monthly after. The total amount that XXXX XXXX XXXX XXXX received by XXXX from my credit card was {$1900.00} If I owed more money I do not know why after the XXXX XXXX payment was made that two weeks later a credit collection company contacted me. Security Credit Services violated my rights when they reported this debt with the Credit Bureau with out proving the debt was valid.
Consumer complaint received 2017-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (MI)

Good morning, The problem is that something is showing on my credit report as a collection/derogatory, but it does not show me what I owe, so I called LJ Ross and asked them and answer was I owned nothing, but I need it off my credit report but credit bureau wo n't remove it ... Please advise.. Name of the company is LJ Ross, address is XXXX XXXX XXXX, XXXX MI. XXXX, # XXXX, regarding XXXX XXXX, account XXXX, date on credit report is XX/XX/2013.
Consumer complaint received 2017-08-14
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. (TX)

We have sent in two disputes to remove the inaccurate information from Experian with XXXX XXXX XXXX ; the information has not been removed. Please remove this negative information from my credit report.
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XXXX XXXX,2017, My husband was approved for a CC Capital One. It was then shipped out on XX/XX/2017.When we received the CC we contacted Capital One to activate the CC. We than were told the by several agents the CC was placed in the Fraudulent department? We than tried to get answers as to WHY it was placed in that department and no one had the answer but to tell me us We do n't know. So my hubby spoke with an agent to get this cleared up, she asked him several questions. ( he could NOT hear her due to the interference and she spoke so quickly my hubby asked her many times to slooooow down. she than apologized and informed my hubby that unfortunately they could not activate the card? She than requested some vital information from him to submit to Capital ONE ... and we still are unclear as to WHY the card was placed in the Fraudulent department and why he was approved! They refuse to hear reasoning 's so I decided to submit a complaint to this agency
Consumer complaint received 2017-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

Original account was XXXX for cable service. Service was discontinued and all equipment returned. My account was turned over to XXXX, XXXX and SW Credit in the amount of XXXX related to equipment fees, even though all equipment was returned to XXXX. Both companies have been unresponsive and reporting collections on all 3 credit bureaus.
Consumer complaint received 2016-11-01
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

We received a letter dated XXXX XXXX, 2016 from SPS Select Portfolio Servicing. The letter ( attached ) stated erroneously that SPS is the mortgage servicer of their referenced account. It identified a new Relationship Manager as XXXX XXXX. This complaint is to reject the letter and to report the letter as improper communication due to the following : On XXXX XXXX, 2016 a complaint was submitted as # XXXX to the CFPB because SPS illegally threatened legal action. The SPS response was disputed. SPS was informed that we refuse to pay the alleged debt in a letter dated XXXX XXXX, 2016. We specifically demand that SPS cease communication with us and that the account be terminated. There is no loan to be resolved. 
FDCPA 15 USC 1692 ( c ) CEASING COMMUNICATION -- If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
Again we specifically demand that SPS cease communication with us and that the account be terminated. There is no loan to be resolved.
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (VA)

Since XX/XX/XXXX I have been receiving monthly statements at my home address for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is not mine. I do not, nor have I ever, had any business with Towne Bank. Here is a history of the attempts I have made to get this corrected : XX/XX/XXXX : Called Cardmember Service at XXXX. Spoke with XXXX and explained what I received. She verified that this was sent to the wrong address and would correct it. XX/XX/XXXX : Called and spoke with XXXX and told her I was still receiving statements, and was very concerned with how this account got associated with my address, and concerned that they hadnt corrected it yet. She consulted with her supervisor and said they would try to contact the customer and get the correct address. She assured me this is not associated with me. XX/XX/XXXX : Called and spoke with XXXX, and explained what was ( still ) going on. She transferred me to supervisor and I was cut off. I called back and spoke to XXXX, who transferred me to her supervisor XXXX ( ID # XXXX ). I explained ( again ) everything that has gone on, and she said she would change the address to the business address. I have received 3 more statements since then ( the latest on XX/XX/XXXX ), and am over calling them to get this resolved. In this day and age of Identity Theft, this really worries me that they can not verify a correct address for a customer, can not get my address removed from the account, nor can they provide me with a positive email or letter to say they have corrected it. They have asked in several of the conversations that I simply disregard and discard the statements. When I requested they send me some sort of confirmation that they had corrected the problem, they said they could not do that. After multiple attempts to get this corrected, and assurances that it would be taken care of, it is clear they are unable or unwilling to follow up and correct this. Whether this is incompetence, laziness, or just complete lack of concern I do not know, but my biggest concern is that if this is their response to my problem, how would they prevent someone from completely stealing my Identity? They already have their statements coming to me.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: KEYCORP (NJ)

Payment made on XX/XX/XXXX from XXXX Checking account Key Bank calls XXXX XX/XX/XXXX @ XXXX to say payment is late I state above. Key bank representative advises me to file a dispute with XXXX Filed Online Banking Dispute with XXXX XXXX payment XXXX XXXX XXXX reaches out to Key Bank XX/XX/XXXX ( Biller will not speak to XXXX without Subscriber ) Key Bank stated they will not speak to XXXX without me XXXX closes dispute XX/XX/XXXX. Sometime in early XXXX called Key Bank with me, XXXX XXXX XXXX Online banking customer service to try to resolve issue, representative stated that payment would be applied to mortgage payment. I called Key bank on XX/XX/XXXX @ XXXX XXXX minutes transferred multiple times stated payment would be applied to mortgage XX/XX/XXXX payment made with XXXX check at Key bank location XX/XX/XXXX XXXX XXXX , NY Male from Key Bank ( did not state his name ) left voicemail on XX/XX/XXXX @ XXXX stating to return his phone call. XX/XX/XXXX collection department called @ XXXX ( 29 minutes call ) stating that my Key Bank mortgage is in delinquent status, I stated all the above. Representative was very rude so I stated I would rather call Key Bank directly to rectify. The same day, I called back Key Bank and spoke to customer service representative XXXX XXXX & XXXX on the phone 43 minutes being transferred back and forward Payment directly debt from Key account # around the same time ( will show on past Key statement ) XXXX was able to get Key Bank mortgage on 3 way and payment was applied XX/XX/XXXX XXXX left voicemail on XX/XX/XXXX at XXXX XXXX stating that they will be mailing out a paper check for the balance that should have been applied to the Key Bank mortgage. Paper check was dated XX/XX/XXXX ( see attached ). Received check from Key for overpayment that should of been applied to mortgage dated XX/XX/XXXX received check on / around XX/XX/XXXX which I deposited into our XXXX account via mobile banking on XX/XX/XXXX
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (CT)

On XXXX/XXXX/XXXX I was charged two times for camping at XXXX XXXX XXXX XXXX XXXX Ct. Provided paper work to Comenity Capital Bank on XXXX/XXXX/XXXX. I have sent numerous emails to Comenity XXXX XXXX on their " customer care '' web-sight. They have not resolved my problems.