davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I TRY TO WORK OUT WITH SPS AND THEY HAVE NO PROGRAMS TO HELP ME OUT I REUNITE BETWEEN FAMILY MEMBERS AND FRIENDS XXXX TO HALP THE XXXX THEY SAY TO AVOID FORECLOSURE AND THE OTHER PAYMENTE AT END OF LOAN IS MY PLAT I HOPE YOU CAN HELP ME TO CONVINVE THE DEAL THANKS LET ME KNOW IF YOU CAN HELP IM OLDER MY MOTHER RETIRED AND MY BROTHER HAS XXXX  FOR WORK THANKS I CAN STIL MANAGES TO PAY MORTAGE.. BUT I NEED HELP I DONT WANT TO GO BANKRUPCY
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (OH)

On XX/XX/2024, I received an email from Chime online bank " welcoming '' me to their " team '' and a few days later a debit card from them arrived in the mail. I signed up for neither a checking account or debit card. When I finally was able to speak with an actual human ( I said my debit card had been stolen ) through the customer service number provided on the debit card, they could not find my checking account based on the debit card number they had sent me. They then asked for the last 4 digits of my XXXXSN as a way to verify my supposed checking account. I told them I wasn't comfortable supplying this personal information and they told me they couldn't cancel my " account '' ( which they couldn't even find ) without that information. I then contacted XXXX XXXX 's team who suggested I file a claim with you all. And, for what it is worth, I do have my credit frozen with all of the major reporting bureaus.
Consumer complaint received 2024-02-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (IL)

i was informed that there was a collection on my credit report and i reached out to the both the collection company and original creditor. The collection company IQ data stated on my credit report that i owed {$3400.00} from a previous lease which i knew i didnt owe. i contacted the original creditor and requested a ledger verifying a {$0.00} balance as proof. When i called the collection agency back they were extremely rude, i was hung up on several times and was told to not call back because they werent going to change anything. i am attaching a copy of the page of the credit report showing the collection, `a copy of the ledger from the rental agency and email correspondence. i have been working on this since XXXX and it has hindered my abiltity to get a mortgage for my family. 

Sincerely XXXX XXXX
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

On XX/XX/2024, the amount of {$1700.00} is indicated as paid to XXXX XXXX. Several calls were made before this date concerning it being a fraud by deception company with agents assigned working under the guise of a fake XXXX XXXX XXXX XXXX that disrupt home computers. Furthermore, it shows a dispute ID number as XXXX. At no point in time did I authorize this payment. The check # XXXX, is as fraudulent as the deceptive agency that submitted it for the payment. All my efforts to dispute and check on information about/over my dispute with this payment were met with no corrective actions being shown or acted upon. The most that I received was an email generated " response to request for documentation dated XX/XX/2024. It shows that on XXXX XXXX the amount was paid.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

Upon checking my credit report I noticed some inaccurate reporting on my XXXX and XXXX credit reports as follows ; ( account # XXXX ) Company : American Honda Finance I ask the above company provides all documentations as follows : 1. Original contract 2. Credit Insurance 3. Payoff disclosure 4 balance history 5 payment history 6. Interest rate disclosure Please provide all documentations to insure accurate reporting information on my credit reports.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Dear Experian XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX, I am writing to inform you of some changes to my personal information that are pertinent to my credit account with your institution. I need it changed because I fear I am susceptible to Identity Theft Please update my records accordingly with the following information : 1. Name : XXXX XXXX XXXX 2. Address : XXXXXXXX XXXX XXXX XXXX, CA XXXX 3. Contact Number : ( XXXX ) XXXX 4. Email Address : XXXX REMOVE ANYTHING THAT DOES NOT MATCH THIS INFORMATION These changes are necessary due to [ provide a brief explanation for the changes, such as a legal name change or relocation ]. I kindly request that you update my personal information in your system as soon as possible to ensure the accuracy of my credit account. 

Additionally, please ensure that all future correspondences and statements are sent to my new address and that my contact information is updated across all relevant departments within your organization. 

I understand that providing accurate and up-to-date information is crucial for maintaining a healthy credit profile and avoiding any potential discrepancies. If there are any forms or documents that need to be completed to facilitate this change, please send them to me at the new address mentioned above, or inform me of any necessary steps to complete the process. 

Thank you for your prompt attention to this matter. If you have any questions or require further clarification, please do not hesitate to contact me at the provided contact number or email address. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-21
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. (DE)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I received a copy of my credit report and information is listed incorrectly, I do not have any agreement with nor have I ever had a contract with XXXX XXXX XXXX Account Number XXXX This collection account is reporting OPEN, but also shows a balance of {$870.00}. According to the FCRA, I have the right to an accurate credit report. Please remove the account immediately from my credit report.
Consumer complaint received 2024-02-06
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

Comenity Bank recently took over Dell accounts in XXXX. They have been a nightmare. It took forever to transition the account and people who were set up on autopay had to redo everything. I took them forever to send my new account information. I recently set up autopay to avoid missing a payment and they STILL didn't process the payment, instead they provided a statement saying it COULD take 1-2 Billing cycles. A major inconvenience. I've spoken with many rude agents who only know their mission is to collect. The last agent/supervisor I spoke with was XXXX, but should be shady. I explained to her after numerous calls from their autodialing that I normally have the funds taken out automatically and I thought this was fixed. Instead, she said no and refused to reverse the late fee because it was done before. The late fee from before and now are all due this merge and take over and I shouldn't be penalized for that. I am asking for the late fee to be removed and to insure my account is set up on autopay since I made the request in XXXX!
Consumer complaint received 2024-01-17
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. (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 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 2024-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (WA)

We currently have an escrow account with US Bank. In XXXX XXXX XXXX we received notice from XXXX XXXX XXXX that our account was in default. Our property taxes had not been paid for the entire year with a balance of {$3400.00} and deliquent fees of {$650.00}. 

What we learned was that their was one parcel number change and that US Bank computer disregarded it. The county sends all banks property owners names and parcel numbers that need taxes paid. Our names were on file with one parcel number that was different. we believe this should have been flagged. But we were unaware till notification in XXXX. After contacting the mortgage department, they assured us that the taxes would be paid and they would pay the deliquent fee. 

We have received notice that US Bank is charging us for the deliquent fees plus adding on an escrow advance amount of {$1100.00}. All we are asking is that the bank refund the deliquent fee and the advance escrow fee and we will bring our escrow account up to date. But prior to this we had sent a letter in regards to closing our escrow account, because of what happened. US bank responded with a fee of over {$600.00} to close this account. Mentioning it had something to do with RESPA. I reminded them that we did not do a mortgage loan with them. They had bought our loan fromXXXX XXXX XXXX XXXX XXXX XXXX ). We set up the account just like we did before. There was nothing mentioned in fees if we chose to close the escrow at a later date in any of the Bank or Title disclosure paperwork.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

I have had a free Experian online account for many years. For over a year now, I have been unable to login into my account. My birthdate and social security number are required to get access to resetting passwords and log in, and now my actual credentials no longer work. Still, for the past year, I have been locked out of my account, and their system - Exerpian ( website and phone application ). 

Additionally, the Experian telephone number for support - ( XXXX ) XXXX - is an entirely automated system that does not have any live support to assist with customer issues. Their phone system only offers an AI system and there has been no way to get to any actual people in the company to look into my issues. I have sent several email requests as well and have not gotten any response. 

Around the time that I began getting locked out, I did have an issue with my credit accounts being hacked ; money was charged to XXXX of my personal accounts and I had to cancel all my cards and dispute the transactions. Also, I disputed an account of my credit profile as well and have not been able to get an update on it. I also misplaced my wallet last year somewhere in Texas, and it contained my social security card, birth certificate, and driver 's license. I replaced my driver 's license immediately but did not know what to do about my personal documents. I also relocated to XXXX Ohio in XXXX of 2022 and have been a resident of the state since then. I am not certain if any of this has to do with the permanent lock-out of my Experian profile, but I have not been able to get this information to the organization directly. 

I am truly concerned about Experian company handling my personal information, especially since my actual birthday and social security number no longer work to get access to my account ; something seems terribly wrong. I am unable to speak with anyone in their company due to their system being purely automated and not having an option for my issues or any times when a real live person is avaiable. Additionally, my credit account could be hacked and I am unable to get that information update.
Consumer complaint received 2024-01-16
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. (NY)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NM)

My student loan was transferred to this company. I submitted my payment plan application in XXXX on the XXXX XXXX  XXXX. This application was still pending in XXXX when I called. The person I spoke to then submitted it over the phone. I am getting emails saying I owe a payment in XXXX, but when I call, they state the payment plan is still being processed. I called again today and the first person I spoke to said the payment plan was processed and that the payment amount is correct, even though I have been told by multiple people that it was not ( on previous phone calls ). I then asked to speak to a supervisor and was hung up on. When I called back, I got a gentleman who said he would submit my application yet again. I told him I would really like a supervisor as this is now the 3rd or 4th time my application has been submitted. He was nice, but would not transfer me to a supervisor. I am very discouraged with this company. I am trying to get my payment plan figured out and have been for almost 4 months now with no clear answers.
Consumer complaint received 2024-01-27
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: EQUIFAX, INC. (OH)

Equifax has been breached and they refuse to delete these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete this from my credit reports immediately. 

I am stressed and displeased that there has been no removal of accounts on my credit report. This is really damaging my credit worthiness. I'm trying to buy a house for my family and this is not fair. I have tried several of times to get these accounts removed. Let alone my information was in a XXXX & Equifax breach some months ago so I thought you guys would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2024-02-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

XX/XX/XXXX called Lakeview mortgage company ( mortgage has been sold several times ) to remove PMI because of XX/XX/XXXX rule. We were very careful about making sure the PMI was temporary. We have a rather large mortgage payment and wanted the PMI removed as soon as possible, so as we were negotiating the loan that was very important to us. 
When we purchased the house the broker stated that the PMI would be removed when we either owed 80 % of loan or paid on time for two years. My husband and I are retired military and have owned several homes so we are well aware of the process of buying a house. We did our due diligence. When I called Lakeview mortgage they stated that the PMI would be attached to the loan for the duration of the loan. The only way to remove it would be to refinance, which is impossible given the current interest rates. I believe that in the process of buying/selling my loan the PMI status was changed to serve their purposes believing I wouldn't be intelligent enough to understand what was going on, or that I would forget that I even had PMI. How many people have they done this too? I believe we could contact the broker and there is a good chance she would remember us.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

Excuse me, I would like to bring to your attention that I have concerns regarding the accuracy of the information on my credit report, which is impacting my consumer rights. I believe that I have the right to be treated fairly by those who control this information. I kindly request that you provide me with all available details on how the inaccuracies occurred and how you will rectify them to ensure compliance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards.

I understand the seriousness of this issue and how it could compromise the integrity of your data if these standards aren't followed. As a result, I urge you to take corrective measures as soon as possible to remove any false accounts from my credit report. I rely on factually accurate, verified, and compliant data in my credit report, and I can't afford to have anything less than 100 % accuracy. Thank you for your prompt attention to this matter.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX