davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

SPS/Select Portfolio servicing is changing their address in reporting to XXXX  this fraud ; ent accccount. SPS/Select Portfolio Servicing is providing false account updates to show the account being paid down and reporting it as an update to XXXX. SPS/Select Portfoio is providing and false information of having corresponding with me in their reporting of this FRAUDULENT ACCOUNT and having it updated each time I dispute it with XXXX. It was showing as current by XXXX  based on their false reporting of information they supposedly recieved from me. 
Then in a week or less after each dispute I make to XXXX  I receive an update from XXXX  that the the fraudulent account is now late and the reporting address hanges from a po box to a physical address in Utah. I asked SPS/Slect Portfolio to CEASE AND DESIST under the FCRA/FCDPA. SPS/Select Portfoilio continues to report a fraudulent account in my name. 
I contacted SPS/Select Portfolio Servicing as they had accessed my credit file and reported to XXXX, XXXX, and XXXX  an account established in my name fraudulently. I contacted SPS/Select Portfolio Servicing on XX/XX/XXXX, and XX/XX/XXXX disputing the account to SPS/Select Portfolio Servicing and providing them with two separate police reports of identity theft naming SPS/Select Portfolio Servicing. I then notified Select Portfolio Servicing to CEASE AND DESIST under the FCRA on XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. I AM THE VICTIM OF FRAUD. 

On XX/XX/XXXX ; I mailed another letter of dispute with a CEASE AND DESIST to SPS/Select Portfolio servicing via CERTIFIED MAIL to their Utah and XXXX Florida office.
Consumer complaint received 2020-06-28
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 




INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-06-29
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. (CA)

I am filling this report because I was made aware of two accounts reporting on my credit that are not mine. The reason I even had my credit ran today XX/XX/20 is because I am trying to help my daughter get a home loan as her co-signer but when the loan officer ran my credit he told me there was an account from XXXX XXXX XXXX  XXXX anXXXX XXXX from XXXX XXXX XXXX reflecting badly on my credit and that I would not be able to co-sign. I did not open either of those accounts nor did I allow anyone to open them on my behalf ; I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I have never applied for an account with these companies nor am I affiliated to them in any way. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2024-10-02
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. (TX)

I am filing a complaint against TransUnion for failing to address inaccurate information on my credit report and violating my rights under the Fair Credit Reporting Act ( FCRA ). Recently, I received correspondence from TransUnion accusing me of using a third party to send disputes on my behalf, which is false. This is clearly a stall tactic to avoid correcting or removing the inaccurate information on my credit report. 

TransUnion has failed to perform its due diligence in investigating my disputes. Under Cushman v. TransUnion, the company is required to independently verify the validity of the information reported, rather than relying solely on creditors claims. 

I demand the immediate removal of the disputed items from my credit report. Attached is a true bill outlining the violations TransUnion has committed, along with an invoice for damages. Payment for these violations is to be remitted to the address listed on the invoice.
Consumer complaint received 2020-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ResidentCollect, Inc. (TX)

I found on my credit report this XXXX, a debt in the amount of {$2300.00} from Innovative Recovery. This is prohibiting me from obtaining a dwelling place. The debt is for XXXX XXXX XXXX, a company that was sold years ago, no longer exists, and is under new ownership. I have sent certified letters. I have called. I have sent paperwork, to Innovative Recovery as proof debt was paid to the Court over 7 years ago. They won't sign for the certified letters I send. And they respond rudely to me on the phone. I have had it removed from all Credit Reports with no problem, sending them the same info I sent to the  Collection agency. But, they Continue to try to collect by mail and phone with very threatening words and intimidating tactics.
Consumer complaint received 2020-06-28
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. (CA)

I applied for a mortgage back in XX/XX/2020 and this is when I discovered I had some fraudulent items on my report. I contacted all three credit bureaus and I informed them that these items did not belong to me and asked that they are investigated and removed from my report. In XX/XX/2020 I received a response from all three agencies and XXXX  could not verify the item and it was removed. However, XXXX  and Transunion did not remove the items and told me that item was verified. I sent another letter in XX/XX/2020 asking for proof of verification, including who they talked to when they verified accounts and what information was used to verify my items. I received a response letter in XX/XX/2020 from XXXX   and Transunion stating that they would not tell me how items were verified and that I could add a personal statement or contact the collection agency. I contacted the collection agency in XXXX and never received a response. I am sending one last letter that will accompany a copy of this complaint to XXXX  and Transunion. This letter will be received by them by XX/XX/2020, and it will be sent certified mail. This letter explains that the items in question were removed from the other agency and that there is no way they could of properly verified the information and the other agency working within the same time span could not. I feel I have no choice in this matter but to file a complaint because the credit bureaus have not in my opinion done the proper due diligence. I am not sure how my information got into the hands of someone else to open accounts that are not mine, but I am in the process of hiring an attorney to help me figure out what to do about identity theft issues if I have no idea who did it or where they are located.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I financed a vehicle in XXXX of XXXX with XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ( XXXX ) account ending in XXXX ). I've always maintained current payments on the car.The car was total loss in an accident in XXXX of XXXX. In XXXX of XXXX the auto loan was paid in full with a combination of insurance proceeds and money from me. Equifax is reporting the account as 90 days past due as of XX/XX/XXXX. 

I have attached a letter from XXXX XXXX XXXX confirming that account has been Paid in full and should be reporting as " Paid In Full, Current '' as of XX/XX/XXXX. 

This incorrect record is negatively affecting my credit profile and is making it quite difficult for me to obtain additional financing.
Consumer complaint received 2020-06-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX California XXXX Cell XXXX My bank account is I dont have overdro with my bank And when I open the account I ask my banker I dont need over drow plane to my account if I have money in my bank when I use my card ok if I dont have money dont let the bank make transaction and add fee to my acount What I need 1- all the money for the fee it goes back to my bank account 2- my account go to positive
Consumer complaint received 2020-06-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

Back in XX/XX/2020. I paid the balance off on my XXXX XXXX  card, the balance was {$130.00}, in XX/XX/2020 my account was charged twice for the same amount. I tried contacting XXXX that didn't work. I was unable to send a message from my online XXXX XXXX account about the error. After a few days, I filed a dispute with my bank for {$130.00}, my bank credited me {$130.00} - that amount was good until the bank completed their investigation. I was given a claims number and so on. On XX/XX/2020, my bank sent me a letter " as you requested, we have withdrawn your claim about a charge of {$130.00} on your account '' I never called or sent my bank a message asking them to cancel the claim. After I received the letter I called them to tell them. I ask for proof. I do not want that claim cancelled, and I do not want an overdraft on my account. I went to " help with my bank. gov '' they said they sent it to you, I never received an email from you. I checked my account I have with you, its not listed If you have a complaint ID, I would like to have that so we can go from there or else start with this. I want to emphasize again, I never requeste that my claim be cancelled. I did call the Office of Comptroller more than three times, telling them that something is wrong and that I never received an email from this website regarding the complaint I filed with them on XX/XX/2020.
Consumer complaint received 2020-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

Looking at my Equifax score is inaccurate. My score went up and one account has been paid in full and also that account has been removed from my credit report. Equifax has now dropped my score by 23 points for what? That's not right. I ask that they put the 23 points back on my score.
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION (AZ)

On XXXX I applied for a refinance with BBVA employee XXXX XXXX. 

I was told I was approved and the next week they scheduled an appraisal of my home and charged my credit card {$550.00} for the Appraisal and another {$32.00} for the credit check. 

For the past 4 months I have continued to be told that I was approved for the loan and that they were behind with processing loans because new home loans were being done so people would not become homeless. 

In XXXX XXXX told me not to make my loan payment to the current mortgage company, because the refinance would be done. It was a good thing that I did not listen to him and made my payment, so that I would not XXXX  up my credit, because it is now almost XXXX and the loan has not been completed. 

I am out {$580.00} for an appraisal and a credit check and BBVA has failed to provide me with a loan that they had promised me. 

I was notified by my insurance company that BBVA has now listed themselves as the Mortgage holder on insurance, which has now caused an issue for me with my current mortgage company. 

XXXX stated that this was being done because the loan was going to be closing soon, but this was done on XXXX and I can not get response when the loan is going to close and it is now XXXX. 

I have emails of all the above conversations with XXXX
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (OH)

In XX/XX/2020 my bill for XXXX did not go through when it was on auto bill.I reached out to Nordstrom and they said they saw the payment try to come out of my bank but it was rejected for security reason not lack of funds. They never once notified me of rejection but instead gave me this late payment. I never received one letter or phone call. Nordstrom said they had attempted to call but I have no record of phone calls or voicemails. I have never kept a balance because I shop there so often I can just pay the balance in store in FULL. I also set up auto payment when the card was first opened in XXXX. Due to COVID I had not been in store in 2 months because they were closed. From my knowledge I assumed any balance, especially one so small was being taken out via auto pay. 
Nordstrom failed to notify me of rejection, even after my years of loyalty to them as a customer. I no longer qualify for a mortgage because of the impact it has taken on was once PERFECT credit and nordstrom will not help with this unfair situation. 
I can guarantee that if I had been notified of a balance, a mere XXXX could have and would have been paid in full. Or if stores were not closed due to COVID I could have came in store to make the payment.
Consumer complaint received 2020-06-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group (CA)

Ascendium seems to have purchased my loans from XXXX. However, they have to been able to provide me with the promissory notes. I believe that the loan was already paid in full in 2014. I called and was transferred to XXXX XXXX XXXX. I have asked them to show me an invoice reflecting the amount they say I still owe, and the payments that have also been made previously. I have not heard back from them. This negatively affects my credit and I am trying to fix it.
Consumer complaint received 2020-06-28
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. (NV)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-06-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recovery keeps repeating calls after being told to stop from multiple numbers from different states at random hours throughout the day and night 7 days a week, and was told this number is on a do not call list and to send any communications through the mail and not to contact this number and that it was on the National Do Not Call List. Was told they didn't care.
Consumer complaint received 2024-10-02
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. (NC)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year>2023 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2020-06-29
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-06-29
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. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2024-10-02
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. (CT)

After reviewing my consumer records, I found instances of late payments listed on an account for which I have consistently made timely payments. Consumer Reporting Agencies play a vital role in accurately reporting consumer information, and it is crucial that this information is represented with the highest accuracy.

I have never missed a payment on the following account : [ XXXX XXXX XXXX ], [ XXXX ]. I request a comprehensive investigation into these discrepancies and ask that you provide evidence, such as statements, to support the claims of late payments. If you are unable to furnish such proof, I request that these payments be promptly updated to reflect their correct status as on-time, as I have consistently met my payment obligations without delay. 

Additionally, when I first obtained my mortgage with this company, I was informed that they did not report to credit agencies and was never notified of any policy changes regarding this matter.
Consumer complaint received 2020-06-28
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. (NV)

XXXX Opened XX/XX/XXXX + {$450.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$160.00} Original creditor : XXXX  XXXX   XXXX  Opened XX/XX/XXXX + {$220.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$1000.00} Original creditor : XXXX  XXXX XXXX  XXXX XXXX  all ftc violations filed
Consumer complaint received 2020-06-28
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. (NV)

XXXX  HAS REAPPLIED ONE ACCOUNT THAT WAS DISPUTED/DELETED WITH XXXX XXXX XXXX THAT NOW SHOWS AS BELOW ON MY CREDIT FILE : XXXX XXXX {$0.00} Closed 3 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit {$0.00} {$750.00}
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MO)

I was affected by XXXX XXXX everyone in my house got XXXX and I had several family members pass away one recently in a XXXX home. I have been calling trying to make a payment and they are always closed and after I finally call on my break and speak to some one they transferred me to a lady in a different department who was rude and hung up on me and refused to take my payment.