davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Dear Sir/Madam, The story begins with the XXXX XXXX XXXXXXXX takeover of XXXX which at time was our mortgage company having refinanced with them both our first and second mortgage in XXXX. In the summer of XXXX I lost my wife of XXXX to XXXX and the following year XXXX XXXXXXXX XXXX successfully guided me through the mortgage modification process. It was a great experience because the modification helped me avoid losing my home which would have been devastating at the time. 

Once the modification was complete Fannie Mae connected me with XXXX XXXX and I never heard again from XXXX XXXX  XXXX regarding the first or the second mortgage. In XXXX of last year, just as the COVID-19 epidemic started spreading I was faced with foreclosure action showing XXXX XXXX as the owner of the note which indicates that the second mortgage somehow got internally transferred through XXXX XXXX XXXX and her subsidiaries and almost ten years later it has come back to haunt me. 

I did hire an attorney last year who has been trying to make sense of the situation and negotiate a settlement with a company called Specialized Loan Servicing LLC which seems to be behind this, but so far they accepted and then promptly rejected our offer and have shown to be anything but reasonable. As you no doubt are aware that appears to be the reputation they enjoy nationwide. 

The reason I am asking you for help is because at the end of XX/XX/XXXX XXXX  XXXX XXXX filed a Satisfaction of Mortgage notice with the XXXX XXXX XXXX. Despite this I continued paying XXXX XXXX regularly to this day which can be easily verified with them. 

I now believe that the mortgage satisfaction was filed by mistake because XXXX XXXX had to file a Rescission of the Satisfaction filing last year. Considering the scandal with XXXX and the subsequent tens of billions of dollars awarded by the US Government to XXXX  XXXX XXXX to deal with the toxic asset situation, its reasonable to assume that the original intention must have been to file a satisfaction of the second mortgage. I appeal to you to have this looked at as soon as possible and find a way to settle it once for all. 

Please find enclosed copies of some of the relevant documents. Looking forward to hearing from you and please copy my attorney on all future correspondence. 

Best Regards, XXXX XXXX
Consumer complaint received 2021-04-26
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)

Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to TransUnion via direct mail several times to verify the information reported. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to many accounts with different payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. TransUnion has not been able to verify any of the information reported, they are now simply saying that they have completed investigation but I haven't received anything in regards to the concerns addressed.
Consumer complaint received 2021-04-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

ATTN XXXX  Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-04-27
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. (TN)

As stated in the HIPAA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. I would like this be taken out of my credit report immediately. I reserve the right to sue your company for violating of my consumer rights as indicated under both the FDCPA and the FCRA. I will also seek damages from you if warranted.
Consumer complaint received 2021-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by som bad peoples on the internet. Having these False and misleading inquiries reporting to my credit report is hurting my credit and is hurting my ability to purchase a home for me and my kids. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my kids a big house with a huge back yard for them to play in. please handle this matter quickly. I have included a list of all inquiries and accounts that I did not authorize below along with the dates. please remove asap ok? My information was obtained without permissible purpose. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed :
Consumer complaint received 2021-04-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MS)

In XXXX of 2020 I applied for a Covid-19 Forbearance plan with my mortgage provider Mr. Cooper. At the end of the forbearance period, the total amount from the forbearance period is due unless the amount is moved to the end of the loan. I applied for a modification to have the amount moved to the end of the loan so that I could resume payments but my request was denied. I have been told that the only way I can resume my payments of {$940.00} monthly is by paying the lump sum of {$16000.00}. 

The company replied that I am not eligible for a modification because I have had three modifications for the life of my loan. 

I have shown that I would like to stay in my home and I don't think that Covid-19 should be considered a normal situation for an exception.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received my credit report on XX/XX/2024 and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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 XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX has violated my rights. 
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. I also asked for the original contract to be provided and it was not.
Consumer complaint received 2021-04-26
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. (CA)

I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts
Consumer complaint received 2021-04-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAINE & WEINER COMPANY, INC. (MD)

In XX/XX/XXXX I filed XXXX bankruptcy. My bankruptcy was discharged in XX/XX/XXXX. From XXXX to XX/XX/XXXX I have been receiving emails from a Caine and Weiner representative named XXXX XXXX offering me to settle a debt from Progressive Insurance. I thought I may have missed the opportunity to include it on my bankruptcy so on XXXX I paid the XXXX to Caine and Weiner via XXXX a link that was included in the email. 
After my payment, I went back and looked at my petition and noticed Caine and Weiner had in fact been included and the debt had been discharged as of XXXX I immediately called Caine and Winer and have since been given the run around. 
Today, for the third time. I spoke to a " manager '' named XXXX XXXX. He informed me Caine and Weiner would not be issuing me a refund. No reason was given.
Consumer complaint received 2021-04-27
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: DISCOVER BANK (CA)

Discover Card is reporting two accounts in my credit profile under authorized user. Let me be clear I have never held a Discover card much less having one in my credit report. 

Those cards that are on my profile are affecting my utilization % and this is not ok. 

Please verify and remove such accounts from the credit bureaus as soon as possible. 

I attached a copy of my XXXX XXXX however, I have confirmed the existence of these accounts with XXXX and XXXX
Consumer complaint received 2019-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

XXXX XXXX $ XXXX Email- XXXXXXXX phone- XXXX I was recently a CASH APP Customer for over two years. They deactivated my account for whatever reason. In the midst of my account being deactivated I received a returned payment from a purchase I made at XXXX XXXX XXXX Clothing store.

XXXX XXXX XXXX returned my funds back to cash app XX/XX/2019 in the amount of {$370.00}. Its been over one month and I have not gotten my funds. I wrote them and they stated it takes up ton 10 days but its been well over yen days. Ive been sending emails daily with no response about my refund.
Consumer complaint received 2024-08-30
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. (CT)

Paid XXXX XXXX XXXX XXXX XXXX They refused to update credit report saying there company policy is not to update information after collection is posted. Per 2 different representative I spoke with. Filled dispute with transunion.com and XXXX. To correct balance to XXXX XXXX XXXX corrected report. Transunion.com keeps finding balance of XXXX $ correct.
Consumer complaint received 2021-04-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX and XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-04-26
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. (NC)

I am filing a complaint on XX/XX/XXXX I have 3 fraud inquiries that I have disputed several times and they have not removed. Not only have I disputed them but XXXX XXXX XXXX contacted them twice to let them know to remove the inquiry dated on XX/XX/XXXX due to fraud and they still haven't removed it. I advised them that the XXXX XXXX inquiry from XX/XX/XXXX is fraudelent and the XX/XX/XXXX from XX/XX/XXXX is fraudelent and they haven't removed any of them. I also sent in a letter from XXXX stating that it was fraud, they have done nothing. I also have a collection account that I paid to delete for XXXX XXXX XX/XX/XXXXand sent in Proof of Payment and the information stated the account would be deleted and this hasn't been removed either. It like they simply ignore any valid information and leave the delinquent information on your credit report even though they know its not supposed to be there. It is simply against the regulations.
Consumer complaint received 2024-08-30
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: EQUIFAX, INC. (NY)

I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2021-04-26
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: CCS Financial Services, Inc. (IL)

NEITHER XXXX, XXXX  OR XXXX  have my consent to use my private intellectual property for their commercial use, they are guilty of consumer fraud, identity theft and possibly tax evasion. they have been asked to remove all bankruptcies being reported unless they can provide undeniable proof that investigation was done and that the bankruptcy court gave them accurate and verifiable information, which they did not. 
I have asked the bureaus to cease and desist from reporting any score that will make their score for me drop that is damaging to our name and reputation.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

I ordered some boots with my debit card American Express Bluebird on a website that stated it was located in Utah. I got an email from a XXXX company stating that the boots had been sent but I never received them. I got online and traced the tracking number they gave me and it stated that the boots had been sent to XXXX. I live in XXXX. I contacted the seller several times but they did not respond. The website that sold the boots was taken down. It no longer existed. I contacted AMX Bluebird explaining all this to them. They contacted the seller and gave me the tracking number. I went down to the local post office with the tracking number and the post office said that the boots had been sent to another address in XXXX. It was sent to the wrong address. I contacted the seller again and there was no response. I contacted Bluebird and they said that my dispute had been declined because the seller sent the boots. Yet I did not get the boots because they sent them to the wrong address. I was defrauded of my money since the website was taken down, I did not receive my boots and Bluebird did not refund my money. I wrote to the company in XXXX and this is what I wrote : XXXX My name is XXXX XXXX and the item I ordered was for XXXX XXXX to be shipped to my address at XXXX XXXX XXXX # XXXX, XXXX, CA XXXX did not receive my order from XXXX Transaction ID : XXXX Transaction Date : XX/XX/2021 Transaction amount : XXXX You sent me an email with tracking XXXX I went down to the local post office in XXXX California where I XXXX XXXX They tracked the tracking number to someone else 's address XXXX XXXX XXXX XXXX, CA. My address is XXXX XXXX XXXX # XXXX XXXX CA XXXX. They sent it to the wrong address instead of the one I gave them. I am continuing my dispute because I never received the item. 
I paid as a guest through XXXX. I tried to contact the seller by email but they didn't reply. 
Included is a copy of the email you sent. 
Regarding the transaction below : Seller 's Name : Seller 's Email : XXXX Transaction ID : XXXX Transaction Date : XX/XX/2021 XXXX PST Transaction Amount : {$63.00} USD
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I had an Bank of America ebanking account with no monthly fee. In XX/XX/XXXX I received a letter that said the account was inactive and would be considered abandoned. My debit card and online access were XXXX by the bank. I mailed the reclaim form as instructed and also made calls in order to reclaim the account. My online log in attempt failed and the website required me to call. The phone line of Bank of America has always been automatic. When I finally spent over an hour on calls, tried all option combination and reset the account access, I found that the account was converted to a different type with $ 12 monthly fee. I was charged every month until my account balance was below zero. During those months, Bank of America didnt send me any mail of the change, didnt send new debit card, my old debit card and log in to online statement was XXXX. 

When I called Bank of America on XX/XX/XXXX about this issue, they told me if I leave money with the bank, they can do anything. I submit a request to the client care email, they called me on XX/XX/XXXX and told me they dont need my acknowledgement to change my no-fee account to an account with fee, after they put my account as abandoned and I made the reclaim request. It was my responsibility to check my account change online even they XXXX my log in. If cant log in I can also know the checking account fund requirement on their website, even that was not my account type. 

Hope   Bank of America could credit the monthly fee and recover my account to {$80.00}. Thank you very much for your help.