davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

I have tried numerous times to explain to your agency that SPS Portfolio XXXX is discriminating against me and tying up my clear deed and title to my property. Now Im explaining to you that SPS Portfolio XXXX is using my title and deed to my property to charge me after my insurance company has paid off my mortgage. My house completely burned on XX/XX/2022, my homeowners insurance company paid off my mortgage and I am still fighting this SPS Portfolio to get the clear title and deed to my property so that I can get my house cleaned up, hauled off and rebuild. I have XXXX XXXX and I have had to cut my medical treatments back to keep my paid off mortgage out of foreclosure. This company has been a problem and my homeowners insurance company told me that they would back me 100 % in lawsuits against this company. Im highly upset that this company is allowed to do this and its tying up my necessary health treatments and my finances dealing with my completely paid off mortgage. My insurance adjuster told the people at the company that she had recorded every conversation she had with them and that my insurance company was going to support me in filing lawsuits against the company. I have enough to handle and need someone to help me. My insurance company doesnt trust this company and has them continuously lying over and over again. Now I have enough to deal with and these people are are making it worse
Consumer complaint received 2024-05-06
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. (WI)

I am writing to bring to your attention an issue regarding the account I hold with the XXXX XXXX XXXX store, which is currently affecting my credit report. 

The account in question was opened in XXXX of XXXX, and while it was paid as agreed, there are inaccuracies in the reporting of late payments. Specifically, despite a due date change requested and completed by XXXX, the store manager at the XXXX location in XXXX, the account continues to be reported with late payments. 

Due to delays in receiving the goods associated with the account, XXXX initiated and filed a due date change until the items were received. However, despite this action, the account is still being inaccurately reported with late payments. 

I am seeking your assistance in rectifying this situation by ensuring that the information reported accurately reflects the actions taken and the agreement reached. If necessary, I am prepared to pursue legal action to address the false information being reported, as it is negatively impacting my credit score.
Consumer complaint received 2024-05-06
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: Experian Information Solutions Inc. (VA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. I also have fraudulent inquiries I attached with the FTC report of the 3 collections
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PR)

In XX/XX/XXXX y call to de XXXX XXXX XXXX XXXX because i receive a letter whi indicates my Auto Loan is in past due and i made all the payments before 30 days of past due, they told me, i have a payment without the late fee and if i dont pay the late fee they dont apply the payment to the loan and now i have 3 remarks on my credit of 30 days past due. They broken or damage my credit score, all my life i have a very good credit score and they ruined all i made for my credit, i have all the evidence i make every payment. Its wrong ruined my credit for a late fee
Consumer complaint received 2024-06-04
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. (AZ)

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have reached out to XXXX XXXX Solutions and requested validation of the debt from XXXX 3 times now. The initial contact was in early XXXX when they called. I also requested the credit bureaus authenticate this debt as I have paid XXXX when i returned the equipment. No debt validation was supplied. I have paid {$130.00} as of XX/XX/XXXX still without debt validation. I would like this to be updated as PIF and removed. I have not received any communications yet they report past due on my credit report which is inaccurate as the debt still has not been validated and I have paid more money to have it removed.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

In XX/XX/XXXX y call to de XXXX XXXX XXXX XXXX because i receive a letter whi indicates my Auto Loan is in past due and i made all the payments before 30 days of past due, they told me, i have a payment without the late fee and if i dont pay the late fee they dont apply the payment to the loan and now i have 3 remarks on my credit of 30 days past due. They broken or damage my credit score, all my life i have a very good credit score and they ruined all i made for my credit, i have all the evidence i make every payment. Its wrong ruined my credit for a late fee
Consumer complaint received 2021-02-12
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. (AR)

I've recently reached out to XXXX XXXX  and Transunion in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. I have been waiting since XXXX. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of this.
Consumer complaint received 2019-10-22
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. (PR)

I am a victim of identity theft. The companies " XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' damaged my credit with fraudulent information for the amount of {$1600.00}. I requested on XX/XX/XXXX via fax to both companies to stop reporting fraudulent information, investigate this matter and remove fraudulent information from the CRAs. 

As of today, no answer has been received and my credit is still severely damaged. Before this incident, my credit score was 820+.
Consumer complaint received 2024-05-06
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: Experian Information Solutions Inc. (CA)

I lodged a complaint against these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have asked for records that have been provided to the credit bureaus. Credit Karma third party application, XXXX, XXXX all have had report that the Mortgage was reported as paid off in full and the account is closed. I am requesting that all the accounts be reported as closed, proper assignment of the note and mortgage have not been made.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am submitting this complaint to address an issue regarding late payments on my credit record. After reviewing my records, I discovered the presence of these late payments. Despite sending letters about this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in promptly and effectively resolving this matter.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I just checked again my XXXX, Experian and XXXX credit reports and I can see accounts reporting inaccurately. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Consumer complaint received 2019-10-22
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: Credit Protection Association, L.P. (PR)

I am a victim of identity theft. The companies " XXXX XXXX '' and " Credit Protection Association LP '' damaged my credit with fraudulent information for the amount of {$1600.00}. I requested on XX/XX/XXXX via fax to both companies to stop reporting fraudulent information, investigate this matter and remove fraudulent information from the CRAs. 

As of today, no answer has been received and my credit is still severely damaged. Before this incident, my credit score was XXXX.
Consumer complaint received 2024-06-04
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc. (OK)

The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization
Consumer complaint received 2023-04-11
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. (FL)

I have an account that is still appearing on my Transunion credit report even after providing documentation proving this account ( XXXX XXXX # XXXX, {$1300.00} ) was to be deleted. The account in question is a collection account which is causing real harm to my credit and Transunion is refusing to remove. I disputed this account back in XXXX on dispute XXXX and it was returned as verified. I contacted this collection agency to see why they reported as verified and they had no clue of why it would still be reported. I asked to speak to a supervisor. The supervisor verified that when they sent over their " file '' it was to be deleted. The supervisor also was so kind to send me a letter as proof that the account was to be deleted. I have since submitted this document to Transunion and they still have not removed this account from my credit profile and it is causing adverse action against me. I have been turned down for credit since this collection is still showing. I believe my rights are being violated. Section 1681e of the FCRA ( 15 U.S.C. 1681e ) requires that credit reporting agencies follow " reasonable procedures to assure maximum possible accuracy '' of the information contained in consumer credit reports. Additionally, Section 1681i ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of any disputed information and to correct or delete any inaccurate or unverifiable information within 30 days of receiving a dispute. 

If a credit reporting agency violates either of these sections of the FCRA, they may be subject to legal action and can be held liable for any damages that result from their failure to comply with the law.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

While refinancing and paying off a mortgage from Nationstar Mortgage, they assessed late charges from a prior mortgage servicer XXXX. As they are not debt collectors only loan/mortgage servicers, they are out of their reach of collecting debts for a prior mortgage lender. The assessed late fees had no supporting documentation other than they came from XXXX, which whom they purchased the loan from. They required me to pay off the unsupported late fees before I could refinance, holding me XXXX, with the fear of rising interest rates had I not paid it off prior to my loan lock deadline.
Consumer complaint received 2023-08-28
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I foundthat under section 605b of the FCRA you are required by law to remove & block any itemswhich are found to be opened due to identity theft. The dispute items do not belong to me.Im attaching the required FTC Report for you and the bank 's records ( learned throughmore research both parties require ). Please block/remove these files. If you feel there is apossibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that eachitems are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide anyrecords & claim the item is verified please understand I will seek legal action. I do not takekindly to games nor does my attorney. SO please comply with the law so this matter can behandled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX. XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2024-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MN)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.