davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

In XX/XX/XXXX SPS servicing took over my loan from XXXX. XX/XX/XXXX I had to do a hardship relocation for work. My house was put up for a short sale and I got behind on payments due to an illness and having to pay rent and a mortgage payment at the same time. Is it vies by XXXX XXXX real estate agent not to make my payments if I was going to have my house up for a short sale. XX/XX/XXXX nobody had been approved for financing to move into my house so I went ahead and move back to my home in XXXX Washington and I made up the payments that I had missed through SPS financing. SPS financing told me that they had my first and second mortgage. At mortgage was {$13000.00} approximately. They told me that that had to be paid off before all the other stuff is paid off. As I was sending money to SPS servicing I was under the impression I was paying off my second mortgage {$13000.00} and then making up for my late payments and total I gave SPS servicing around {$30000.00} in XX/XX/XXXX to XX/XX/XXXX I move back to XXXX Washington and move back into my house. Years have passed and I 've been told when financing for a car and other things that SPS servicing never paid off that second mortgage. In fact they switched my loan over to XXXX XXXX XXXX right away after I had given them all the money that they told me to send them I have asked XXXX XXXX XXXX for all the data that they have but they have not sent me anything. In XXXX XXXX and XXXX XXXX XXXX, Now state i did n't pay off my second mortgage to them through SPS. ? Where did all my money go that I gave SPS servicing? I paid all of my back mortgage payments and let mortgage off to SPS servicing in order to be eligible for the harp loan. These companies wo n't send me the data and they are of real-time servicing has put a XXXX lien on my home. How is this legal? I 'm a United States military service member in the XXXX. I Am making a complaint against the company SPS servicing, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I honestly believe they committed fraud against United States military service member probably many more. And SPS servicing told me i had to pay off everything my back payments and my second mortgage in order to qualify for the harp loan. Now XXXX XXXX XXXX saying that SPS servicing did not pay off my second mortgage. Where did all the money go that I gave SPS servicing?
Consumer complaint received 2017-05-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lustig, Glaser & Wilson, P.C. (MA)

In  XXXX  of   XXXX    XXXX   XXXX   XXXX  (  XXXX   XXXX   XXXX   ) r eceived an execution on money judgement for a charged off credit card debt. The deb t collectors of Lustig, Glaser and Wilson  applied a lien to the property owned. Since they are being sued by the States Attorney Office of Massachusetts, they have sold the debt to  XXXX   XXXX   XXXX ,  XXXX  who in turn has sold it to  XXXX    XXXX   XXXX   XXXX    XXXX . The original creditors phone number is  XXXX .     The property has been sold but without clean title, with money held in escrow to pay an agreed upon amount less than that of the debt owed, this deal has been reached with  XXXX   XXXX   XXXX   XXXX ,  the ultimate  owner of the debt. However, the original Law firm needs to release the lien and they say they do n't own it any longer and are unwilling to do anything.     The property needs to have a " clean '' title to be resold and any escrowed amount returned.     No one is willing to help, do anything ... I hope since this is a debt collection issue, the CFP can get to the right people to make this right.
Consumer complaint received 2017-05-15
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: Experian Information Solutions Inc. (NC)

I had an account with  XXXX   XXXX   XXXX  that became 30 days delinquent in  XXXX   XXXX . The account was never brought current, and reported negatively on my credit report until the account was paid in full  XXXX   XXXX . According to the FCR A 623 ( a ) ( 5 ), t his account should be removed from my credit report. It has been re-aged by the Experian to reflect a different date of default. The account has been aged more than seven years from the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from Experian and  XXXX   XXXX   XXXX  showing the original status of the loan, showing the original default date. I have disputed the information with Experian, whom has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquenc y (   XXXX   XXXX  ) and the date of first major delinquency report ed (   XXXX   XXXX  ) as required by the FCRA. I have attached a copy of the letter showing the account paid in full from  XXXX   XXXX   XXXX , as well as, credit reports from Experian and  XXXX  from  XXXX . This account should be removed from my credit report as it has reported negative information for 9 years.
Consumer complaint received 2024-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

I am writing this complaint for the reporting of my salary advance loan by State Employees Credit Union ( SECU ) after my account was closed. Despite having paid the loan in full, it has been inaccurately reported as active, and SECU has subsequently added a late payment to my credit report. 

This situation has arisen after my checking account was closed, which has restricted my access to the salary advance information necessary to clarify this issue. It is my understanding that salary advances should not be considered an effective indicator of an individual 's ability to repay a loan. 

I believe that the reporting of this loan as active is not only unfair but also inaccurate, especially since the loan has been fully paid. I request that the CFPB investigate this matter and take appropriate action to rectify my credit report. 

Thank you for your attention to this issue. I look forward to your prompt response.
Consumer complaint received 2024-08-27
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. (FL)

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!!

Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor : 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
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am writing to formally contest the inaccurate information present on my credit report following my recent experience as a victim of human trafficking. I have identified several accounts and/or items on my credit report that are incorrect and were not authorized by me.
Consumer complaint received 2017-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (NY)

Toda y,  XX/XX/2017 , I atte mpted to order Equi fax Premium 3 c redit scores offered for {$3.00} for the first 30 days, and then {$19.00} if not canceled.   I submitted my personal and debit card information and it gave me 3 times ERROR. Equifax system is designed to mislead customers and make them thinking they made an error. This is why I clicked 3 times.   Here is how Equifax  SCAMMING AN D Thief Practices work : { see copy of the most recent Equifax transaction on my bank account ) I was scammed and charged 3 times without Equifax allowing me to see my report. They never notified me that my bank account will be charged.   I called their number  XXXX  at  XXXX   XXXX . Their customer representative  XXXX  ID #  XXXX  refused to fix it, refused to stop the charges. Equifax worker,  XXXX , even BLAMED ME THAT I 've CHOSEN TO USE THEIR SERVICE AND STATED THAT I HAVE ORDERED IT BY MY OWN WILL!   I was very upset, and objected the scamming Equifax practices insisting to  XXXX  to do his job and cancel the payments/charges immediately. He REFUSED TELLING ME I SHOULD CALL MY BANK.   I said that I DO NOT TRUST EQUIFAX ANYMORE. EQUIFAX SHOULD NOT BE INVOLVED IN a THIEF PRACTICES, BUT IT IS A COMPANY that PROTECTS THE PRIVACY OF MILLIONS OF  AMERICANS.THUS  EQUIFAX IS INVOLVED IN SCAMMING PRACTICES AND FAULSE ADVERTIZEMENT in order to illegally make profit. Not only this, but Equifax worker arrogantly refused to stop the illegal charges.THIS IS VE RY SCARRY!      "   XX/XX/2017  Pe nding Card Hold / EQUIFAX  XXXX   XXXX   XXXX . Release Date   XX/XX/2017   {$3.00} Pending Card Hold / EQUIFAX  XXXX   XXXX   XXXX . Release Date   XX/XX/2017   {$3.00} Pending Card Hold / EQUIFAX  XXXX   XXXX   XXXX .  Release Date    XX/XX/2017  { $3.00} "
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-24
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: Nelnet, Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2017-05-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (NY)

To whom it may concern, It saddens me deeply to write this letter as I survive through my current financial struggle. I am writing about  Ally  Bank, my interest rate and my efforts to keep my vehicle that I 've been paying on for 2 years. My payments to Ally bank are {$440.00} a month. When I first got the vehicle I was told that the interest rate was very high because I did not have much credit, and that I 'd be able to build and get a lower rate in a few years. Since having a vehicle was a necessity to me keeping my job and taking care of my family, and since it was affordable at the time, I decided to move forward with the purchase. Unfortunately things changed for the worst, and the amount of the car payment is no longer in my budget, yet I 've been doing everything that I can to struggle to make these payments every month. I 've been on payment plans, I 've done everything that I can, however no matter what I seem to do that payments are simply too high. In addition, the value of the car in comparison to the payments that I will be making is unreal to say the least, but this is what new limited credit will get you in the world.     I 've writte n Ally Ba nk several times to see if there is something that they can work out with me, either with the interest rate, or anything that will lower my payments to something that is more affordable for my newly demoted salary. I 've gotten no responses. I understand that it is not  Ally Bank  's responsibility to assist me with keeping my vehicle, however seeing that the value of this car is no where near the amount that is left over to pay in the loan, I feel it beneficial for both parties to work things out. I 'd like my request sent to the headquarters of  Ally  Bank.     I would like to humbly negotiate  one  of the following with  Ally.  I am making every effort to keep my agreement with Ally and with such outrageous interest rates I only ask that they please respond to my letters or forward them to headquarters to see if something can be worked out.
Consumer complaint received 2024-11-01
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. (FL)

To whom this may concern After reviewing my consumer reports, I discover some inaccurate reporting of late payments on an account for which Ive always maintained on time payments. Consumer reporting agencies play a huge role in accurately reporting consumer information. it is imperative that this information be reported with upmost accuracy. Ive never missed a payment on my XXXX XXXX bank. I requested through investigation into these descriptions and urge you to provide evidence such a statements demonstrating the lateness of these payments. if unable to furnish such proof, I demand these payment be properly updated as on time payment to reflect its true status is on time. I have consistently upheld my payment, obligations without delay. 

From late payments being inaccurate not the same with all three creditors to wrong information reporting.
Consumer complaint received 2024-11-01
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: Experian Information Solutions Inc. (MD)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2017-05-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IN)

I have three American Express Prepaid cards and two of them were declined by American Express and I was charged {$1.00} when each card was declined. I have n't tried to use the third card yet. I have called American Express 5 times and was hung up on twice by someone who can hardly speak English. When you call the number on the back of the cards you get an automated recording that does n't provide any options to resolve the problem. You do n't get an option to speak to a human. The two people I spoke to answered two other American Express customer service numbers. Two of the three cards have values of {$50.00} each and one has a value of {$25.00}. American Express gladly takes our money, but makes no effort to all us to resolve issues. I guess keeping my {$120.00} is more profitable than the 3 % they get when I use them. I am going to file a suit in small claims if they do n't fix this.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Consumer complaint received 2017-05-13
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. (OH)

Upon reviewing my credit file the are a few student loan entries that does not belong to me, these student loans are a result of identity theft, which resulted with me filing a previous police report back in  XXXX , with the   XXXX   XXXX   XXXX   .  These student loans were opened up unbeknownst to me which I was  XXXX  ( date of  XXXX   Date t he fraud occured :  XXXX / XXXX / XXXX  ; amount  ( s ) :   {$1700.00} ; {$3000.00} These students loans are old and have been sold, repackaged, or transferred to another agency/ or department. The student loan issue was litigated back in  XXXX , and have since been removed from my repo rt (     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    and    XXXX   ).     Now, I Have "   XXXX   XXXX   XXXX    ; Dept.  of Education/NEL N ; US Dept.  of Education/GSL/ATL, posted on my report from the same time period the prior students loan information post posted previously, dating :  XXXX / XXXX / XXXX .     This same issue with the fraudulent student loans has come back and repackaged.
Consumer complaint received 2024-09-10
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. (CT)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!