davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXX XX/XX/year> {$8800.00} Personal Information : NAME : XXXX XXXX XXXX XXXX KNOWN AS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

XX/XX/XXXX I applied for a XXXX XXXX XXXX American Express Card. I was denied and asked American Express to reconsider there decision and today XX/XX/year>2024 I received another denial from them stating I cant get this card. When u called I talked to various agents and also the managers also. I was told I had to wait 5 days for a decision and I guess this was the decision. This company has discriminated against me under the Equal Credit Opportunity Act 15 U.S.C. 1691-1691f Links https : //www.ftc.govhttp : //uscode.house.gov/view.xhtml This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. The Dodd-Frank Act added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling. I asked them a simple question if a person with a XXXX credit score applys for a card and a person with a XXXX score applied for a card who would get the card. The guy did not want to answer this question ignored it really because he knew the answer. They do not let anybody with lower scores to actually get cards with them unless its a prepaid card that you need to pay them to actually use the name of American Express. Anyone with a score lower then XXXX cant get cards approved from American Express. They stated the reasons were 1. I have serious delinquencies 2. There are fewer accounts currently paid or agreed 3. The length of time your accounts have been established. 4.There is no recent information about installment loans on your report. They are not reasons under the Equal Credit Opportunity Act to denie a person its supposed to be equal credit where is the equality at. 

Ref : XXXX
Consumer complaint received 2024-10-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

On or about XXXX of 2024, I started the process to refinance my home in order to pay off debt and have a locked rate. Due to health issues, my mortgage payment was late three months in a row. In order to continue with the refinance, I had to have these late credits removed from my credit report. 
I submitted a letter to SPS, Select Portfolio Servicing explaining the situation on why these payments were late and expressed that I am trying to refinance and if they would please reverse these on my credit report. 
On XX/XX/XXXX, I received notification that my credit score had increased. I notified the new servicer that I am working with and they confirmed that these negative credit reports had been reversed and we could proceed with the refinance. 
On XX/XX/year>, I spoke with XXXX XXXX on the phone to verify these inconsistencies. XXXX XXXX did have SPS, Select Portfolio Servicing on the phone as well to review these late payments that were reversed. 
SPS confirmed they had the letter I wrote on file and confirmed that is why they reversed the negative credit on my report. They confirmed these late charges were reversed. XXXX XXXX and SPS CONFIRMED these were reversed. 
Today, XX/XX/year>, I was notified that SPS, Select Portfolio Servicing, updated my credit report and added back the late payments on to my credit. Thus halting my refinance on my mortgage. My belief is that they either fraudulently updated my credit to show the negative, or they are trying to force my to stay in the balloon loan with them to prey on myself and my mortgage. It is my belief that this predatory behavior will cause financial harm to me. 
The company : SPS, Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( They have multiple addresses )
Consumer complaint received 2024-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BTH Management (VA)

The SSN number belongs to the SSA and anything purchase with that identifier number is a obligation of the United States 18 USC 8. means that anyone attempting to collect a debt from me is guilty of false claims act ( FCA ), 31 USC 3729.

25 CFR 11. 417
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Prosper Marketplace, Inc. (GA)

I just received a notification from XXXX telling me that I applied for a loan on a loan website that I did not make, and I do not recognize. I ask that you delete that credit application, as I did not apply for any type of loan. Thank you.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I have disputed inaccurate information XXXXXXXX XXXX XXXX collecting on an account that I do not have with this company. I have submitted certified mail to request a validation letter and I have yet to receive one. This company has reported on XXXX XX/XX/XXXX, Experian, XX/XX/XXXXXXXX  and XXXX XX/XX/XXXXXXXX  reporting inaccurate information that can not be verified. The credit bureaus ( XXXX, Experian, and XXXX ) continues to verify the information is accurate with no supporting documentation. I am requesting that the credit bureaus delete this account if this information is reporting inaccurate with XXXX XXXX XXXX collection agency.
Consumer complaint received 2024-07-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

We are currently on a 3 month trial for a loan modification that was a result of us requesting for mortgage assistance and I noticed on my monthly mortgage statement that I have unapplied funds in the amount of {$1500.00}. I called Carrington our mortgage company to ask if I am able to use that and they told me that I couldn't because I was in the 3 month trial period. While doing some research online regarding mortgage company policies and practices on this issue I came across a post from CFPB that I attached. Page 2 " Payments Credited Properly '' that states ... Servicers have to apply your full payments to your account as of the day they come in. If you pay only part of what you owe, the servicer may hold your partial payment in a special account. The servicer must tell you about this on your statement. When that special account collects enough money to make a full payment of principal, interest and any applicable escrow, the servicer has to credit that payment to your account. It also says that on XXXX that federal law requires this. I also asked Carrington if it was possible to make a partial payment so that the unapplied funds is enough to make a full payment and they said im not able to do that.
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UMB FINANCIAL CORPORATION (SD)

We transferred the down payment for a home purchase to a XXXX XXXX XXXX account on XX/XX/year>. The transfer amounts were {$32000.00} and {$16000.00} from another account we own at XXXX XXXX Bank. 

XXXX told us that XXXX XXXX  placed a 16 day collection hold on the funds, which will not be available until after our XX/XX/year> closing date. 

Response in writing from XXXX XXXX response to an industry trend of increased attempted fraud activity, changes have been made to increase hold times for Electronic Fund Transfer ( EFT ) and check deposits to as many as 16 business days. This is expected to be temporary. '' XXXX support was not able to shorten the hold period, reverse the transfer, or help in any way. 

Without these funds, we will not be able to purchase the home, at significant person loss.
Consumer complaint received 2024-10-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Southwood Financial, LLC. (TN)

I had a private student loan through XXXX XXXX. In XX/XX/XXXX, the cosigner responsible for my loan passed away. Payments were automatically taken out of their account until XX/XX/XXXX. I had no idea, because this was a loan that they handled. 

I began XXXX XXXX applications spring XXXX and was accepted that summer. I decided to check on my private loans immediately after being accepted into XXXX XXXX in early XXXX. The loan was not accessible to my account anymore. XXXX XXXX told me the loan had been charged off. The loan had been charged off in XX/XX/XXXX. 

My XXXX XXXX  financial aid was then halted because of this charge off. 

I requested the name of the company that bought my loan and XXXX XXXX gave it to me : Southwood Financial. 

I began calling them to figure out how I could began payments on my loan. The number associated with Southwood Financial is only a phone with a voicemail attached to it. On the voicemail message that the company has, there is no mention that it is Southwood Financial. I left several voicemails and heard nothing back. Even today, I called and it went straight to voicemail. Their website lists an email to speak about loan repayment, but they never respond to those emails either. Their website also lists a resource list that links to various reputable sites, but the " services '' tab on their site lists no links. 

When I spoke to the Department of Education, I was told they could do something about the charge off if it was 2 years old OR if I speak to the company that bought my loan and showed I was making payments. I was hoping the second option would be how I resolve this, but Southwood Financial is making this very difficult for me. It feels very predatory, especially as I'm being proactive to consolidate my loans.
Consumer complaint received 2024-10-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PENTAGON FEDERAL CREDIT UNION (OH)

Penfed paid off my share secured loan EIGHT YEARS before the final payment was due stating that my account became inactive. None of this is in the loan terms that they forgive loan amounts. This is harming me because my income is strictly monitored to ensure that I do not end up in a higher tax bracket. Even though they paid maybe {$10.00}, that {$10.00} can be enough to put me into a higher tax bracket for 2024 taxes. 
I would like the loan reopened with the previous terms so I do not have to add their forgiveness to my taxes as legally I have to do so. Or, I'd like to be compensated for all of the additional taxes that I'll have to pay from this {$10.00} being added to my income for the 2024 year. You don't know what people 's finances look like and no decisions should be unilaterally made just because it maybe costs you more to keep the loan open than to forgive and close it.
Consumer complaint received 2024-10-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL (OH)

I have 3 Cds with Synchrony Bank. The first reached maturity on XX/XX/year>, the other 2 on XX/XX/year>. On the XXXX I called to have the first account closed and the money transfered to my local bank ( XXXX XXXX  ). On the XXXX I had to call back to close the remaining XXXX and request they be transfered to the same XXXX account. At that time I noticed the first account had not yet been closed and asked why. After more than 30 minutes I was told they weren't sure why it hadn't been done but that it had been taken care of. On Monday the XXXX I received a call concerning the transfer of the 2 accounts that matured on the XXXX, at the same time I brought up that the first one that matured on the XXXX still had not been closed. After being placed on hold a few times and more less getting a bit of a run around I was told there was some sort of problem on their end with my XXXX account and was asked if I had another account at XXXX that could be used. I complied and provided the information on that account. I was told the matter was taken care of. As of today XX/XX/year> only one of the accounts shows closed, one of the ones that matured on the XXXX, the one that matured on the XXXX still hasn't closed and none of the money has yet to be transferred on any of the accounts.There is nothing about a pending transfer listed with the one account that has been closed. After another call I still haven't gotten anywhere. Very Very frustrated at this time.
Consumer complaint received 2024-10-16
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Az XXXX [ XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, but also damaging my financial well-being and seriously hurting my character. 
Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 
The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : XXXX XXXX XXXX Account # XXXX This account is listed as a collection/charged off account on my credit report but I have not received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. 
I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 
Sincerely,
Consumer complaint received 2024-10-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC (NM)

I paid my mortgage from account ending in XXXX on XX/XX/year>. I have had autopayments turned off. 

They billed me AGAIN on XX/XX/XXXX on a different account ( ending in XXXX ). This was UNAUTHORIZED and I had autopay OFF. There is a hold pending on my account from them and now my account is overdrawn and I can't pay my health insurance, purchase medications I need to live, buy groceries or pay other bills. 
I called XXXX and they told me i have to wait until TWO DAYS after this clears and then mail in a bank statement. Which means I have to go to the bank for a statement, then wait for the mail, then wait for them to process it. 

I do NOT have weeks to wait for this to be fixed!!!! 



IMMEDIATE reversal of hold/charge, and restitution to make me whole for whatever it costs me in terms of lost insurance, bank fees, bills not paid, and full coverage plus any and all compensatory payments for any and all difficulties and damagesphysical, life threatening, financial, and emotional that results from this mistake they are refusing to correct immediately. 

XXXX XXXX refused to give last name. 

He said I have to verify the hold. They can not release hold. 

XXXX XXXX, email checked daily, info can take a few minutes or hours to respond. Can not guarantee it will be handled today. 

Said they dont see a second payment. I explained its a hold, he said he doesnt see a payment. I explained that XXXX clearly made a payment request a second unauthorized time and no one else but XXXX could have submitted that. He told me I have to contact my bank about it, but the bank can do nothingXXXX  made the unauthorized payment request and they have to reverse it.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Looking further into my credit report, the following Account : XXXX, Account XXXX : XXXX, responded and said they dont report to XXXX from my previous complaint. According to the document I attached, that is false. They did report it but didnt update the status. If they didnt report it, the XXXX section would be empty. There are so many inaccuracies in this report, starting with the inaccuracies with XXXX and Experian. I demand this account gets removed from my credit report if there is no proof that the information is being reported in XXXX XXXX accuracy.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Equifax sent me a letter reguarding proof of identity so im sending it threw here so i have paper trail and proof EQUIFAX Is legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure accurate reporting of consumer information. I, as the consumer, have informed EQUIFAX that all the accounts reported were inaccurate. According to the law, once a Federal Trade Commission ( FTC ) fraud report is filed, EQUIFAX is required to remove the disputed items from the report within XXXX days, pending investigation,
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: V and H Portfolio (MI)

Finally, please note that although the account was sold to a third-party servicer, we are not affiliated with them nor their practices ; we also do not engage in abusive collection practices. We are also not affiliated with Huffman and Vance, the party mentioned in your complaint filed with the XXXX XXXX XXXX As you have no further financial obligation to XXXX XXXX, XXXX, and we deleted the tradeline associated with your account and as this is all we can do we deem this matter closed. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 1st Franklin Financial Corporation (MS)

This is my another refilling of complaint to 1ST FRANKLIN FINANCIAL for allowing fraudulent inquiries on my credit report and it seems they are not taking action on my this very alarming concerns of mine. As I checked my recent credit report, the unauthorized hard inquiries since I never authorized any of these companies and are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (MD)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Former : XXXX XXXX  XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (MD)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/Charge off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX