davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

Escrows are inflated due to erroneous calculation of property taxes. Tax rate on XXXX XXXX XXXX XXXX MA XXXX is valued at {$190000.00} with an effective tax rate of {$17.00} per thousand with an additional {$50.00} for a preservation fee which equates to about {$3400.00} for the XXXX to XXXX tax year. In the recent past consumer has made attempts to have XXXX XXXX XXXX XXXX XXXX # XXXX fix the problem but instead of resolving matter XXXX did transfer mortgage immeddiately to Select Portfolio Servicing LLC Account # XXXX with the over-inflated escrows and the matter remains unresolved. Presently escrows are being calculated close to {$4700.00}. To resolve the matter consumer did pay water bill which had been previously liened on the taxes creating the problem. This information has been consistently communicated to both mortgage service, XXXX XXXX XXXX XXXX and now to SPS servicing with no resolution efforts. I prior statements made to CFPB SPS claims they have not been able to contact the tax authority ( town of XXXX ) and stated " Based on the information available, the third and fourth quarters of XXXX were not yet calculated, and can not be provided at this time. However, the taxes were all paid current as of the date of this letter, and there was no risk of a tax sale. The escrow amounts were established by your prior servicer with an effective date of XX/XX/XXXX. " ... Attached please find the property card that contains all the information needed for the tax rate and valuation yielding a XXXX to XXXX tax bill of {$3400.00} and also attached please find a printout demonstrating a payment of {$1500.00} ( representing water bill which was liened on taxes ). Had water not been liened on taxes XXXX XXXX to XXXX the tax escrows would be {$3200.00} based on the that calendar year.
Consumer complaint received 2021-11-25
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 (CA)

I applied for a credit card. The credit card got approved. The bank tells me on the phone they don't have my phone number in their system. It is a requirement to have a valid US phone number to apply and get approved for a credit card. You people approved my credit card without even having a phone number in my account? How did you manage to do that because that is very sketchy and fraudulent on your end!? 

I was trying to get a manager on the phone but the operators were all reluctant to let me speak to a manager. They just won't let me speak to their manager, in case I complain against them. Then finally one manager said he can't do anything about it, because he has no access to nothing not even my account ; that was a complete disservice. The second manager says he doesn't know. No one knows why my phone number is missing from my account!? 

I spoke with an operator from your fraud department who asked me a series of questions but that soon went down to harassing me on the phone. She asks for my date of birth, I give her my date of birth. Then she asks what's my age? What kind of harassment is this!? Either that uneducated operator does not know how to calculate someone's age or she just had the intention to harass me on the phone, I beleive the later is true unless you hire grade XXXX students to work for your bank who doesn't know how to calculate someone's age.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX, Experian, and XXXX are reporting the account listed as XXXX account number XXXX incorrectly. There are several inconsistencies within the account that means they have not done a reasonable investigation into this account. 

Account Status : Derogatory Derogatory Closed Date Opened : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Balance : {$450.00} {$0.00} {$0.00} High Credit : {$740.00} {$740.00} {$0.00} Credit Limit : {$400.00} {$400.00} {$0.00} Past Due : {$450.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Unknown Unknown Last Reported : XXXX XXXX XXXXXX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Date of Last Payment : XX/XX/XXXXXXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-12-15
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. (FL)

XXXX XXXX is falsely reporting an account, XXXX, on my Experian Credit Profile. This account is not mine, never been, mine, and was applied for and opened by using an address I have never resided in a city 40 miles from where I've resided since 2002. Additionally, I do not know anyone at the address used to fraudulently apply for an open this account, nor did I authorize anyone to fraudulently use my personal information to apply for and/or open any account with XXXX XXXX XXXX XXXX 
I have tried several times to dispute this account as fraud, but Experian refuses to remove it. The account was sold to a third party and a court dismissed the matter due to lack of evidence that the account belonged to me. 
I have disputed this account both with Experian and XXXX as fraud, provided a Police Report, A Notarized Identity Thieft Affidavit, a driver 's license issued during the timeframe in which the account was applied for and opened showing I did not reside at the address that was used to apply for an open the fraudulent account with XXXX XXXX XXXX XXXX I have also provided court documentation showing that a court dismissed the case brought against me by the third party that XXXX Sold the account to. Yet, neither Experian nor XXXX will remove the account from my Experian Credit Profile. I have asked repeatedly to see the documentation/evidence supporting the reason ( s ) why XXXX refuses to remove the fraudulent account for nearly 4 years now and have never received a thing, NO SUPPORTING EVIDENCE FROM XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-10-17
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: Experian Information Solutions Inc. (TN)

XXXX XXXX claims I owe them money. They refuse to remove their account from my credit reports. However, I requested debt validation. They sent me a letter via mail on XX/XX/year> stating they are " unable to fulfill your request. '' How do I owe and am responsible for a debt they have no record of?
Consumer complaint received 2021-12-15
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: SYNCHRONY FINANCIAL (CA)

XXXX says I owe money to XXXX XXXX and Synchrony bank!! Both accounts are paid off ; however, they refuse to correct error!!
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (NJ)

I was given a bill of {$250.00} on XX/XX/2021, for a network provider called XXXX XXXX XXXX I do not recall signing up with. i believe my identity was stolen and the bill was incurred. I have been going through recent hardships and at the same time recieve consistent phone calls from a debt collector called Sunrise credit service over the bills.
Consumer complaint received 2021-12-14
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: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (OH)

I have been trying to dispute two inquiries on my account. The first inquiry is by XXXX XXXX/Paramount Residential Mortgage Group on XX/XX/XXXX. The second one was made on XX/XX/XXXX, and it says only XXXX XXXX on the inquiry. These were made without my consent or knowledge. The company Paramount Residential Mortgage Group was contacted about my disputes, and they used text messages between me and the loan officer, XXXX XXXX as evidence that I consented to the credit pulls. I received a letter from XXXX XXXX on XX/XX/XXXX, stating my dispute was denied because of the text message evidence. This information is false because the last day I talked to him was XX/XX/XXXX. He messaged me several times throughout the year, and I didn't text back. My credit was pulled twice, and I did not talk to anyone from a mortgage company, nor did I go to a different mortgage company for a year and seven months. The only date I messaged XXXX back was XX/XX/XXXX. I have been wanting to work on my credit, but I haven't worried too much about it the last two years, this is why I didn't catch the inquiries right away. I made sure to text message XXXX XXXX from Paramount Mortgage Group on XXXX XXXX and said, " Do not pull my credit ever again. '' I also said, " The only credit pull I agreed to was on XXXX XXXX. '' XXXX XXXX agreed and said, " Yea that was the only time. We noticed you were getting back into things, what were you looking to get done? '' I told him I was not interested, and he continues on about how he has no idea what I am talking about. There was a mistake made somewhere both by Paramount and XXXX XXXX. They are refusing to acknowledge or look at my evidence. The dates of the text messages were overlooked and ignored. I have researched this company and they have done this to many people, and they act like it's a mistake if they do acknowledge they illegally pulled your credit report.
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

On XX/XX/2021, I called Select Portfolio Servicing to confirm my Request for Mortgage Assistance was received, and a rep confirmed it was received and it would take 1-2 business days to review. At that point, the point of contact for my loan was XXXX and the customer service representative requested him to give me a call to review my file. On XX/XX/2021 I called Select Portfolio Servicing and a representative said she had no Notice of Default on file and I requested a call again from my point of contact. On XX/XX/2021 XXXX called back and said that there is a Notice of Default on file as of XX/XX/2021 and my loan is in active Foreclosure. XXXX stated that they would review my account for a modification if I submit a Request for Mortgage Assistance application and a hardship letter. On XX/XX/2021 I resent the Request for Mortgage Assistance application to Select Portfolio Servicing and a representative sent an email to my relationship manager requesting that I receive a call back. On XX/XX/2021 I called Select Portfolio Servicing and they said that my Request for Mortgage Assistance application was received on XX/XX/2021 and that the packet was complete and no additional documents were needed, and that they will notify the borrower of a decision within 30 days. On XX/XX/2021, I called Select Portfolio Servicing and a representative said no documents are needed and their underwriters are still reviewing the mortgage assistance application and they will have a decision within 30 day. I requested Net Present Value ( NPV ) documents to be sent to me. On XX/XX/2021, I called Select Portfolio Servicing and they informed me that I was approved for SAME repayment plan. I requested a copy of the documents for review. On XX/XX/2021, I called Select Portfolio Servicing, and they reiterated the repayment plan which is {$3100.00} which is double my mortgage payment. My Point of Contact is now XXXX and I requested a call back from her. On XX/XX/2021, I called Select Portfolio Servicing and they said that the modification was denied due to a failed NPV test. I re-requested those values as they were never sent to me. On XX/XX/2021, I asked for the loss mitigation supervisor, the representative said they can not transfer me, but they would send a message to them to call to call me back. On XX/XX/2021, I called Select Portfolio Servicing due to no call back from POC, the representative reviewed the NPV documents as Select Portfolio Servicing did not review my hardship or income and they failed the NPV test without calculating the allowed interest rate and payment reduction. The representative could not transfer me to my Point of Contact and couldn't explain why NPV was failed. I stated that the proposed evaluation from Select Portfolio Servicing shows that the allowed interest rate is 2 % with an allowed payment of {$1000.00}.
Consumer complaint received 2021-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (GA)

I checked my credit report and found that my XXXX XXXX account which is financed by Comenity Bank has reported me as 30 days late on this account that I PAID OFF in XX/XX/2021. It appears that after I paid off the account, the company continued to charge interest unknown to me because I receive online statements. After paying off the account, I had no need to check any online statements. In addition, the company should not have continued to charge interest on a PAID OFF debt. I paid XXXX to satisfy my debt with them and haven't charged anything on my account in months. Due to the interest charges and late fees, the account now has a balance of {$43.00} and they are reporting me late. I have perfect credit with all other creditors and previously had perfect credit with them. They caused this problem with their tactic of still trying to collect interest. Also, I have several other accounts with this bank and one can clearly see how I pay on my accounts which are all in GOOD STANDING.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I give authorization for XXXX XXXX to move forward with this complaint. This account is currently in litigation in a Federal Court suit against XXXX XXXX XXXX. The account went to litigation due to a billing error that was ignored by XXXX XXXX. The account is being reported as late to the credit reporting agencies despite the fact that the entire balance of the loan is in Billing Error status. This is an adverse action and defamation and an extortionate act against the Federally Protected CONSUMER. The consumer is awaiting the courts signed summons to issue to XXXX XXXX.
Consumer complaint received 2021-12-14
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: EQUIFAX, INC. (PA)

hi Im XXXX XXXX and my XXXX is XXXX. I'm just writing to make a follow up on my disputes. Its been over 3 months since I sent you a letter but I haven't heard anything from you. according to FCRA section 611 ( a ) failure to investigate within 30 days gives a reason to remove the negative items but unfortunately, there's also no changes on my scores and I know you received my letter because it was sent via certified mail. I am reattaching my dispute letters so please take action.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

hi Im XXXX XXXX and my XXXX is XXXX. I'm just writing to make a follow up on my disputes. Its been over 3 months since I sent you a letter but I haven't heard anything from you. according to FCRA section 611 ( a ) failure to investigate within 30 days gives a reason to remove the negative items but unfortunately, there's also no changes on my scores and I know you received my letter because it was sent via certified mail. I am reattaching my dispute letters so please take action.
Consumer complaint received 2021-12-14
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. (PA)

hi Im XXXX XXXX and my XXXX is XXXX. I'm just writing to make a follow up on my disputes. Its been over 3 months since I sent you a letter but I haven't heard anything from you. according to FCRA section 611 ( a ) failure to investigate within 30 days gives a reason to remove the negative items but unfortunately, there's also no changes on my scores and I know you received my letter because it was sent via certified mail. I am reattaching my dispute letters so please take action.
Consumer complaint received 2021-12-14
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. (NJ)

These Lates Are False and must be CORRECTED : XXXX XXXX XXXX - Balance {$370.00} Opened XX/XX/XXXX This card was originally a Visa card and then it switched to XXXX. The company somehow mixed up my account and my automatic payments were not transferred over when the bank was sold. This late payment showing on XX/XX/XXXX is FALSE. 

XXXX XXXX - Balance {$23000.00} Opened XX/XX/XXXX Showing incorrect late XX/XX/XXXX. I have automated payments and I have never been late. This late is incorrect. 

XXXX XXXX XXXX XXXX- {$5400.00} Opened XX/XX/XXXX Showing incorrect late. I updated my debit card information, but for some reason, they didnt process it and it resulted in an incorrect late showing on my credit. Remove this immediately.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (MS)

I went to XXXX XXXX XXXX XXXX XXXX to purchase a truck the truck turned out to be a faulty truck and I let the bank know this and so they canceled the deal and I returned them their truck. This has been over a month ago since the account has been paid off and closed but its still showing on my credit report and I would like it removed ASAP.
Consumer complaint received 2021-12-14
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXXXXXX-Balance {$0.00} XXXX XXXX XXXXBalance {$0.00}
Consumer complaint received 2021-12-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC (TX)

On XXXX I read my contract and followed the given directions for revocation of ACH/EFT permissions and sent it to the requested email stated in the contract. On XX/XX/13 my account was debited vis ACH for my payment. The contract only requires a 3 day advance notice which was provided. After reading their email reply, I noticed that they tried to start the 3 days from the date that actually opened the email but their contact language doesnt allow for that. On XX/XX/13 I called in and the man I spoke with claimed to have never reviewed a revocation and said the email address the contract instructed clients to send revocations to is ignored by the company and I should have just sent it elsewhere. Oddly enough, their email on XXXX stated to guarantee that no payment would be taken to call them. I prefer to do EVERYTHING in writing when dealing with written legal contacts. I feel that this has all been a ploy to duck and dodge their own contracts and federal banking laws. They had a valid ACH/EFT revocation in their required email in the proper window of time and ignored it with the intention of withdrawing another payment.
Consumer complaint received 2021-12-15
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: EQUIFAX, INC. (CA)

I am filing this complaint to inform you of Equifax willful noncompliance with the Fair Credit Reporting Act, Equifax continues to report inaccurate, incomplete payment history information on my consumer report. I have sent multiple Dispute letters on XX/XX/21 and again another dispute letter on XX/XX/21. To this day the consumer reporting agency willfully refuses to Delete the inaccurate, incomplete information which is preventing me from obtaining credit, furthermore the consumer reporting agency is Violating my consumer rights along with Defamation of Character because a consumer report is my reputation. Equifax continues to be in Violation of the Fair Credit Reporting Act by continuing to report misleading information on my consumer file. Under 15 USC 1681e ( b ) the Law clearly states a consumer reporting agency shall follow reasonable procedures to assure Maximum possible accuracy, yet this agency has failed to do so. In addition I have attached documents that outline the Multiple FCRA Violations on my consumer report. Lastly I am demanding these accounts to be Deleted immediately or I may file for litigation due to the agency willful noncompliance, negligence and the harm it has cause my consumer file along with the stress it has cause by having these inaccurate, incomplete items on my consumer report. Im hopeful the CFPB can help assist to resolve this matter promptly
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX XXXX  ( amount : XXXX original approx amount XXXX ) reported a loan as an auto loan when it is not. They are reporting a repossession when there is no vehicle bought with this loan. The loan was for tires purchase for a financed vehicle through them. That means they are reporting two repossessions for the same exact vehicle.