davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

To Whom It May Concern, I 'm filing this grievance against Select Portfolio Servicing ( SPS ) for failure to record new terms to my loan with XXXX XXXX County records. A loan modification is a permanent change to the loan terms and I 'm seeking to reduce the possibility of future issues in the event that my loan is transferred to a new servicer. Primarily I 'm concern here is the fact that I 'm reassuming a debt that was previously discharged in XX/XX/XXXX prior to completion of a loan modification on XX/XX/XXXX. 
Per the California Bill of Rights it is required that lenders record loan modifications. 
A recent decision by the XXXX Circuit Court of Appeals underscores the critical importance of timely recordation of mortgage interests and the ineffectiveness of the " earmarking '' and " contemporaneous exchange for new value '' defenses in the face of the strict timing rules set forth in section 547 ( e ) ( 2 ) of the Bankruptcy Code. Lenders should take note of a XXXX Circuit decision earlier this year in which the Court of Appeals highlighted the importance of timely perfection of security interests and mortgages. Rejecting XXXX defenses commonly raised in preference actions, the Court of Appeals held that a lender who takes more than 30 days to perfect a mortgage interest in real property XXXX have that interest voided in a mortgagor 's bankruptcy case if the perfection occurred within the 90 days preceding the bankruptcy filing of the mortgagor. 
I 'm seeking assistance and demand that SPS immediately record my new terms accordingly.
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

I have an existing freeze on my account with Experian. After reading about a potential flaw in their system, I tested their PIN retrieval and was horrified to find out that my PIN can be accessed by anyone. 

On Experians PIN retrieval page, I filled out the form with my name, address, Social Security number and date of birth -- exactly the kind of information that was compromised in the XXXX breach, and thats readily available for sale on the dark web. I entered my email address, answered none of the above to the security questions ( which were NOT the correct answers to those questions ) and my PIN popped right up.
Consumer complaint received 2023-06-16
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. (SC)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00}
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC (TX)

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 XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX # XXXX 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-21
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. (IL)

I recently checked my credit report to apply for a mortgage loan and I found several errors on it due to identity theft. I contacted the Transunion, XXXX, XXXX and wrote letters challenging the inaccuracies of the fraudulent accounts. All three credit reporting agencies sent me a letter stating that the accounts were verified. However, they did not provide any proof or send me any original documents with my signatures on them verifying that the accounts in fact belonged to me. I also sent out more letters requesting that Transunion, XXXX, and XXXX send me the original documents again and never received the any legible proof. This has been an on going situation for almost 90 days now. I need these issues resolved immediately.
Consumer complaint received 2018-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (SC)

I am XXXX XXXX military. I moved from XXXX XXXX to XXXX in XX/XX/XXXX. I had XXXX and had suspended the contract. Occasionally I would come back to the states to visit family and do military training and would activate my phone. I then deactivated it when I would travel back to XXXX. Apparently they did not honor my deactivation on one occasion. I no longer had their services in XXXX and the phone bill ran up to XXXX dollars. I had this resolved once before with all three credit agencies and the collection was taken off. Just recently it showed up again in XX/XX/XXXX. I have been trying to get if removed again for these bogus charges for services not received service. Now I live in XXXX XXXX and do not use XXXX. 

Thank you, XXXX XXXX CONTRACT CALLERS INC XXXX XXXX XXXX XXXX. 

XX/XX/XXXX {$860.00} {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX
Consumer complaint received 2018-10-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TX)

I get phone calls morning XXXX  and night. I have told them to stop so many calls but they still call even on Sunday in the morning. I had two calls in a row on a Sunday morning from XXXX XXXX. I received 9 calls on Saturday. I receive about 9 during the week day every day as well.
Consumer complaint received 2018-10-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP (FL)

When we made the final lease payment on a 2015 CRV with Honda Financial Services, they attempted to add on a {$350.00} " end of lease '' penalty/fee for not buying the car. There is a section ( see attached copy of agreement ) that mentions a fee, but there is a N/A next to it which we were told meant non/aplicable and it did not apply to our lease. We leased from XXXX XXXX ... which has gone out of business and is now owned by XXXX XXXX XXXX. I have sent two responses along with a copy of the lease with highlighted section showing the penalty/fee does not apply to us to both XXXX XXXX and Honda Financial Services.. They just ignore my correspondence, send us more bills and threaten to ruin our credit by reporting us as being delinquent to credit bureas.. We made 39 lease payments, all on time, and returned vehicle in perfect condition ( professionally detailed ) and with only XXXX of XXXX miles used. Tacking on an additional fee that does not applhy to us seems very close to fraud.
Consumer complaint received 2018-10-07
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. (FL)

I paid off all my credit card debt, my mortgage, my personal loans, and refinanced my car loan over 2 weeks ago. My credit reports are not being updated to show my hard work. There is still 2 open car loans on my report after I refinanced a month ago. All my credit card balances are at {$0.00}, but my credit report is yet to be updated. My mortgage is paid in full, but my credit reports say I still owe {$150000.00}. There are duplicate collection accounts that I have disputed multiple times. Now they wont let me dispute them anymore. There are accounts that were originally reported, then removed, and the later put back on my reports. There are accounts that are over 7 years old but somehow the dates are switched to make them just under 7 years old so they stay on my report.
Consumer complaint received 2024-11-07
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (KY)

1 ) According to my XX/XX/XXXX statement, for this billing cycle, I've earned a reward pf $ XXXX $ XXXX {$460.00}. And {$140.00} was redeemed to the account balance on XX/XX/XXXX, {$67.00} was automatically redeemed to the account balance on XX/XX/XXXX. I also remembered that I redeemed the remaining {$250.00} between XX/XX/XXXX and XX/XX/XXXX, but I did not receive any confirmation email, and the amount was never applied to the balance. Since the XX/XX/XXXX statement show that all my {$460.00} reward has been redeemed, t hen, where did the remaining {$250.00} go? 

2 ) As soon as I got my XX/XX/XXXX statement, I reported this problem to the card issuer that {$250.00} cashback was redeemed but not applied to my account. I have expained to multiple representatives about this several times. I was told to wait for 2 billing cycles for the amount to be applied. But I have waited for almost three months, and there is still nothing there. 

3 ) I then contact the issuer again about this for several times. First, I was told to wait another three days. After three days, I was told again to wait another 24 hours for update. And as I contact again, the representative even couldn't find this existing case.
Consumer complaint received 2018-10-07
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. (NV)

Dear Experian, after trying to get this issue resolved with you fr over 3 years you have damaged my credit, i advised Experian that there was inaccurate information on this chapter XXXX causing the judge to dismissed. Experian relied on 3rd party information fromLEXISNEXIS. After years of disputing XXXX has agreed to remove form my credit bureaus. please see attached and removed from my credit file ASAP. i plan to seek legal advise for Experian damaging my credit for 3 years. PLEASE SEE ATTACHED REINVESTIGATION FROM XXXX
Consumer complaint received 2018-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MO)

XXXX XXXX is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA
Consumer complaint received 2019-11-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/ 2019, I did an annual credit check and found one debt from JPMCB - Card Services ( Closed ). I then learned it was JP Morgan Chase Bank. I never had a credit card with this company and there are no account numbers for me to identify myself when calling Card Services ; the XXXX the only number listed. I learned that I was denied credit because of this creditor and it sits on my credit report as a negative mark against me.
Consumer complaint received 2018-10-07
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. (DC)

I am a victim of identity theft and did not open these accounts. Per The FCRA, accounts which are not demonstrated in clarity to be true, correct, complete and timely must be removed from a credit report.. Since credit bureaus failed to properly investigate and send me evidence of the said responsibility, I demand an immediate removal on the following accounts : XXXX XXXX, XXXX   XXXX
Consumer complaint received 2018-10-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (CA)

1. On XX/XX/2018, I sent an initial letter to XXXX XXXX ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$520.00}.

2. I also notified XXXX XXXX that my Initial Letter also served as formal notice that I was disputing the claim.

3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to XXXX XXXX on XX/XX/2018 at XXXX XXXX. A copy of the Certified Mail Receipt is attached to the Initial Letter.

4. Thus, XX/XX/2018 was the 30-day deadline for XXXX XXXX to send me verification of the debt. I havent received anything.

5. The entry of {$520.00} on my Experian and XXXX  credit reports is entirely inaccurate, incomplete, and represents a very serious error in reporting.
Consumer complaint received 2018-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (MO)

Credence Resource Management is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA.
Consumer complaint received 2018-10-06
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (CA)

I am in the process of obtaining my Borrower-Defense-Against-Repayment Certificate from the Department Of Education ( DOE ) but Navient - the student loan management company ( they assumed Sallie-Mae 's loans ) - is now the subject of a lawsuit for blocking student debt-loan forgiveness ( https : XXXX ). I want an AUDIT of Naviant with then intention of gaining a superior investigative position.
Consumer complaint received 2019-11-20
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: Ridge & Valley Realty, Inc. (CO)

I had 3 collections on my credit report from Credit systems inc. I was told by the company in question that if i paid the collections then the they would be removed from my credit report. The collections have been paid and i have made repeated attempts with the company and the 3 credit bureaus to get the paid collections removed but have had no success. Please help as they are negatively affecting my credit score and i was told they would be removed.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On Wednesday, XXXX XXXX, 2015 I submitted a change of address to XXXX ; TransUnion and XXXX XXXX informed me It would notify TransUnion and XXXX. To-date, my change of address has NOT been updated. Old Address was : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX and mailing address : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
Apartment # XXXX XXXX, XXXX XXXX XXXX mailed me an annual free credit report on XXXX XXXX, 2015 with my new street and mailing address which are the same. 
I telephoned XXXX and left countless voice messages to XXXX XXXX XXXX at XXXX regarding the update of my new mailing address but she never returned any of my calls. The XXXX online and telephone system will not allow me to access its system to make the address changes. The last time I attempted to speak with XXXX XXXX was XXXX because I simply tired and gave up. 
The same is true regarding TransUnion I can not access my online credit history to update my current street and mailing address. I also need an annual free Credit Report and free Credit Score from both XXXX and TransUnion. I also need the new toll free telephone numbers for XXXX and TransUnion to Temporary Lift Freeze from my permanent credit history accounts without having to speak with a live representative that will charge me money.
Consumer complaint received 2018-10-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings (CA)

I have instructed Speedy Cash more than once to never debit my checking account for any reason. And today they debited my checking account for {$190.00} without authorization. Please see one email below I sent them : From : XXXX XXXX XXXX Sent : Sunday, XX/XX/2017 XXXX XXXX To : Speedy Cash Subject : Re : Payment Unsuccessful Notification Dear sirs, I instructed your representative twice specifically to not save my payment information after my last payment on XX/XX/17. Speedy cash is never authorized to save my payment information. If you have inadvertently please delete it from your system immediately! 

Last four of my social XXXX DOB XX/XX/XXXX Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-11-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I opened an investment account with Merrill Edge tied to my Bank of America checking account in XXXX or XXXX. At one point in XXXX I opened a margin account with the existing funds using the Merrill Edge website online. I later closed this margin account on the online website but noticed a few months later that it was still open with a XXXX cent loss. In XXXX of XXXX I called Merrill Edge customer service and told them I had closed the account. The customer service representative assured me while I was on the phone with him that the margin account will be closed that day and that the XXXX cent debt will be erased. In XXXX of XXXX I went to withdraw some funds from my Merrill Edge account and it showed the margin account was still active with an approximate {$500.00} loss. I called the customer service department and I was informed that the margin account was active and that I owe them for the loss. I explained that I had closed the margin account a year earlier. They refuse to give me my funds with no explanation as to why. 

In my complaint I have included two correspondences from Merrill Edge to myself. One is an apology from them to me for their failure to close the margin account per my request in XXXX and failure to provide me a copy of the transcript of that phone call. The other correspondence shows the amounts they debited from my account because of their failure to close the account per my request.
Consumer complaint received 2019-11-20
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. (TX)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address
Consumer complaint received 2018-10-06
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: CITIBANK, N.A. (WA)

I have been getting calls every day from a company claiming to be Citi bank. They leave a message from an automated recording saying that I need to log into citicards.com and check out the status of my account. The only card I have through citi is a best buy card, which I pay regularly and the status is normal. When I call this number back, they won't let me talk to anyone unless I enter the last 4 digits of my citi card. I'm not sure what else to do. They fill up my voicemail box in a week 's time and I can't talk to a real person to tell them to stop calling. The phone number is XXXX.