davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

To Whom It May Concern : I am writing to formally request escalated assistance with my file. I do n't believe anyone thus far at SPS has properly handled my file. I became XXXX in XXXX as I was in an accident XXXX. I entrusted my brother to make my mortgage payments for me with my fixed income and he did not do that ; instead pocketed my money. If I had n't been XXXX, I would have never become behind at all. 

Seconly, I am disputing the erroneous information contained in SPS ' most recent denial letter dated XXXX/XXXX/XXXX, stating my property value is currently {$430000.00}. My property is nowhere near worth that amount and I have attached my own appraisal showing the true value of {$310000.00}, which I paid for from my own funds because I believe so highly that SPS is using an extremely inflated property valuation. I would truly appreciate it if somebody could formally re-review my package using the correct value of {$310000.00}. It should also be noted that I had sent this appraisal with my resubmission packet back in XXXX XXXX, but it seems that it was disregarded by SPS completely. I XXXX have spent money on this that I am trying to save for my mortgage if I get approved. It was hard for me to do so I would appreciate it being correctly reviewed. Please let my advocate team consisting of XXXX XXXX and/or XXXX XXXX at XXXX XXXX know if you need any further information. SPS has this information on file already, but just in case, I am again attaching my written authorization to speak with them regarding this matter. I am XXXX and it is sometimes hard for me to get out to a fax to send documents that they may already have on hand. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

To Whom It May Concern, I am writing to you again in hopes of seeking assistance and/or direction. I have not been successful in trying to workout a plan in getting my mortgage current or modified. I have REPEATEDLY sent in the docs requested via fax and email ( using XXXX different fax machines ) and EVERY follow up call I make to SPS the response is the same, " we did n't receive your docs or we received your docs but not all of them. '' I am seeking some direction. I have done exactly what was asked and I I still seem to get no where. My concerns is I will be served with a foreclosure notice and I in the process I am accruing fees and penalties. 

I have not been able to ever speak with my 'SPOC ' as she is never available. I did receive XXXX messages from a XXXX XXXX ' in the Consumer Dept. but when I return the call the office is always closed. 

Thank you for your time. 
Sincerely XXXX XXXX Dear Sirs, My mortgage is serviced by Select Portfolio Servicing, at the end of ... 












We 've sent your complaint to the company for a response. 



We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 



You should receive a status update within the next 15 days. 



You can track the status of your complaint at : XXXX. 



New CFPB mortgage rules protect borrowers and make it easier for them to get the help they need. Submitting a complaint wo n't automatically stop or delay foreclosure, but if you 're behind on your mortgage, or having a hard time making payments, call us at ( XXXX ) XXXX ( XXXX ). We can help you find a housing counselor in your area who can develop a plan of action for your situation and help you work with your mortgage company. Foreclosure prevention help is free and special assistance XXXX be available to military members or veterans. You can find more information on mortgages at : XXXX Thank you, Consumer Financial Protection Bureau consumerfinance.gov ( XXXX ) XXXX ( XXXX ) On Monday, XXXX XXXX, 2016 XXXX XXXX, Consumer Financial Protection Bureau XXXXXXXXXXXX XXXX wrote :
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I was affected by the Equifax credit breach. I wanted to freeze my account with Equifax. I attempted to do it online yesterday and it said that I needed to call to get it done. I called yesterday and they said that their system was down for a security update and were unable to process the request. They told me to call back later, which I did. I tried to place a security freeze today and got the same error message telling me to call them. I have now spent almost 12 hours either on the phone or waiting for a phone call from Equifax to get my credit report frozen. Today, on separate occasions, they said they were unable to do it over the phone and that it had to be done online, that their system was down for a security update and that I needed to call back later, and that I gave incorrect information and needed to fax them documents. I was given a random 888 number to fax personal documents to, which I am not comfortable doing. It feels like they keep dodging my request. Since I never wanted an account with them, never signed up for it, and they are the ones that allowed my data to be compromised, it should be a lot easier to put a security freeze on my account than this.
Consumer complaint received 2016-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is a medical collection debt on my credit from a XXXX XXXX that does not belong to me. I have disputed with all XXXX credit bureaus and still no resolution. Debt needs to be deleted from my report as it does not belong to me.
Consumer complaint received 2018-04-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

My ex husband filed for Chapter XXXX bankruptcy in XX/XX/XXXX, it was XXXX in XX/XX/XXXX. Since then my mortgage company hasn't been reporting on my credit report ( I did not file Chapter XXXX bankruptcy ). This has prevented me from obtaining loans and credit cards due to insufficient credit history. 
When I called Select Portfolio Servicing on XX/XX/XXXX, I was advised that they had every right to prevent reporting on my credit because the debt it joint and that I would need to put my request in writing along with detailing that I didn't file bankruptcy because they still have the account in bankruptcy status on their system. 
I did research and found that not only are they wrong, but they have done significant damage by not adhering to the Fair Credit Reporting Act and the Consumer Credit Protection Act, which states credit it individual and my ex-spouse 's bankruptcy should have never effected reporting on my credit reports. 
I deeply concerned that this is their policy and not only have they caused me harm, but could be causing harm to other spouses that were not included in bankruptcy filings.
Consumer complaint received 2016-08-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AR Resources, Inc. (CA)

Creditor originally was sending me a bill for emergency medical services that were pending to be covered under the state 's XXXX program and I was working with the hospital for coverage, but it was taking quite awhile. I called and notified them of this. The hospital forwarded the debt incorrectly to this collection agency when it has been covered by XXXX. Additionally, the hospital eventually provided me with grants to cover ALL outstanding debts. Also, legally in PA the hospital and it 's contractors can not charge me for uncovered medical services regardless of the cause because I was covered under XXXX. I have never been contacted by phone or mail regarding the debt after my notification to them of my pending XXXX coverage and they have not identified the debt nor have they provided me with any information regarding this debt. I called and requested proof of the debt. I have received no validation notice proving this debt before they reported this debt negatively to the credit bureaus. This is a violation FACTA and the Fair Credit Reporting Act because they are have provided inaccurate information regarding a debt I do not owe despite my attempts to contact them regarding this debt.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the account below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX, Account name : XXXXXXXX XXXX Account name : XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXXt Account name : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ).
Consumer complaint received 2016-03-14
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BB&T CORPORATION (VA)

Was charged a {$50.00} return item fee by BB & T on a loan payment that is {$100.00} per month. I did make the error as I tried to make an electronic funds transfer however I incorrectly entered my account t number. There was plenty of money in the account and I a, 3 months paid in advance. It seems ludicrous that the bank can charge a fee at almost XXXX % of the payment and get away with it.
Consumer complaint received 2022-12-02
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. (AL)

Th

e Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not reported? In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Please apply these laws to account : 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 an 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 or 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 knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally ; Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b - Acquisition of location information does not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.

The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Also, the Credit Bureaus took more than 30 Days to complete my investigation ALL dispute letters were sent by Certified Mail
Consumer complaint received 2022-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

we was asked to invest in XXXX, a friend and i invested {$52000.00} over a period of time, the money was sent to a fraudulent account that had been cloned, i have all the account numbers and transactions screen shot and saved starting in XXXX or XX/XX/2022 XXXX
Consumer complaint received 2015-07-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I 'm attempting to apply for a job that requires a credit check. I receive information that not only am I being sued but the court date is next week XXXX XXXX, 2015. Apparently the lawsuit was sent to an address that I have n't lived in for years. I never received a call or an email from the company about any pending litigation. I guess if the person living at that address not found me to give the information, the court date would have came and went without me even knowing about it.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I 'd like to file a complaint against TransUnion for violating section XXXX Of the FCRA. On XXXX XXXX, 2016, I filed a complaint with TransUnion for reporting inaccurate information. TransUnion verified the accounts in questions & said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent XXXX TransUnion and all the data furnishers listed below the required letters & I have not received anything from any of the companies. I 've further sent TransUnion request to remove these items for lack of response & they 'd ignored my requests to remove the tradelines which I know are inaccurate. TransUnion is now violating section XXXX, XXXX & XXXX & I 'd like these accounts removed immediately. I 've attached all correspondence for your internal investigation.
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans Union keeps reapplying this us bankruptcy ct FL XXXX to my credit file It is not mine And no phone number and No address that can be verified Also no claim amount listed and no liability amount I keep disputing it but experian keeps refusing to investigate
Consumer complaint received 2021-08-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (VA)

I have paid this account. I then received notice the account was paid off when I checked my credit report. I made 8 attempts over 2 hours today to call fingerhut. Each time I entered my last 4 digits of my social, an agent answered then while talking hung up. This happened each time I called back with the 8th call ending with me speaking woth XXXX who did the ae thing. I then called Experian who told me since I disputed akd the creditor agreed to the account I need to contact XXXX. I tried to explain I did 8 times with no help. I then went to the website and reset my log in info. When I logged in, the account state Midland Funding have the account. I called XXXX and the agent told me he did not care what I paid with XXXX, but I need to pay {$940.00} which in wrong. Midland Funding stated they sent a letter on XX/XX/XXXX and I confirmed I did not received it and asked if a copy could he emailed or faxed ; the agent told me " no, if you didn't get it that's too bad ''. 

This incorrect information need to be removed from credit because its incorrect.
Consumer complaint received 2019-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I deposited my initial payroll check from my current employer on Friday, XX/XX/XXXX at a Bank of America ATM. At the time, I didn't think any problem would occur with the check because the ATM was located in the lobby of the check issuer, XXXX XXXX XXXX XXXX XXXX. However, after the deposit, I noticed that a lengthy hold had been placed on the check ( eg, XX/XX/XXXX before XXXX ). That's seven business  days and two weekends, whereas my funds are not available. Once I realized that such lengthy hold had been placed on my deposit, I contacted Customer Service ( Friday, XX/XX/XXXX at approximately XXXX ). After speaking with the initial representative, and being told that there was nothing that I could do, I asked to speak with a Manager or Supervisor. The Manager/Supervisor confirmed that was nothing I could do. He stated that I couldn't get the check back, nor was there any option available to make the funds available prior to the stated hold period. As of today, Tuesday XX/XX/XXXX, the funds are not available. 


Though I understand the Bank 's concern with fraudulent checks being deposited, seven ( 7 ) business days is a long period to withhold access to deposited funds. Additionally, had the Bank provided a notice at the ATM, prior to accepting the check that such a hold period was being placed, I could have requested a return of the check at that time. There are numerous other ways that I could have gained access to the deposited funds, prior to XX/XX/XXXX.
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom it May Concern : I have recently been informed that there is negative information reported for bankruptcy the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing is invalid. 
I am unaware of the bankruptcy or " having a charge off '' ) with this company. 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2022-12-02
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. (NV)

on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. It has been over 90 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Date : XX/XX/XXXX To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/XXXX My only employer is XXXX XXXX  I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,
Consumer complaint received 2018-09-07
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: LEXISNEXIS (VA)

On XX/XX/2018, I received information from XXXX of a Public Record on my credit file. I was curious and wanted to find out where this information came from. I found out that part of the information came from a company called Lexis-Nexis. I never did business or heard of such a company so I contacted them to see what type of business this is and where did they obtain their information. They explained that they were not a credit agency although they collected and distributed information on consumers. I asked since they are a source of information for businesses is their any requirements that they should obtain authorization from a customer before they sell or share such information? 

This is found on the website : Please note that LexisNexis Risk Solutions is not a credit bureau and does not maintain a database of credit information. We do not have the ability to add a security freeze to your credit file. 
If they do not maintain credit information then their access appear to be unlawful and possible fraudulent. Please share your information in regards to this company. As XXXX of Lexis-Nexis that they are in compliance with all regulations. Thank you
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NV)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.