davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Both our mother 's died, we were trying to keep up but the unexpected expenses from each funeral kind of got us so last year I applied for home retention assistance. Select portfolio servicing accepted the application and as of this date I have recieved no status on that application; however on XX/XX/2024 I received a message saying sps has an option for me so I immediately emailed them to request the option in writing but they have not responded to that nor have they given me the status of my application. I have followed up via email so that they know that I'm waiting for the next step for my home retention assistance.Today XX/XX/2024 some man comes to my door to tell me sps filed foreclosure on my home today. The man did not give me anything. This is beyond frustrating, I provided my application and all requested documents. Sps accepted them and just said it was under review, its been months now. I have been in constant contact via email ( trust issues ) this is exactly why. From the beginning I made it clear that we do everything in writing so there's no discrepancy later and I battle chronic illness so my people skills and memory aren't too good. In the beginning sps responded but then as I checked in I was getting less responses. As of today I have received no application status, no copy of my original agreement with all pages and modification, or the option that Sps said they had for me. I believe these people have been working in bad faith again.
Consumer complaint received 2024-01-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Driveway Finance Corporation (GA)

in XX/XX/XXXX my XXXX XXXX XXXX XXXX XXXXXXXX was involved in a car accident accident. My insurance XXXX XXXX has paid out a total amount of approximately {$21000.00} to magnum collision body shop in XXXX, Georgia. The body shop and XXXX XXXX can not agree on amount Will take to repair my car. so the shop still has over {$10000.00} of my insurance money considering I can not pay the full amount to repair my car. I called my lender and asked for a voluntary repossession. The lender never picked up my car. They never help me get my car back and they are forcing the body shop to withhold my funds from me that the insurance company paid to me and I paid the.
Consumer complaint received 2024-03-24
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. (NC)

This serves as one of my many grievances regarding being a victim of identity theft. I am writing to contest certain accounts listed in my file that stem from this criminal activity. The account in question has no connection to any transactions for goods, services, or money that I have authorized or made. It is entirely unfamiliar to me. Additionally, discrepancies exist in the information provided on certain accounts, as they have been removed from other bureaus, casting doubt on their accuracy. The reported payment history on some accounts is also unclear to me. I request that any information in my credit file resulting from alleged identity theft be blocked from reporting.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Monterey Financial Services LLC (GA)

Monterey Financial has violated several stipulations of the Fair Debt Collection Practices Act. They have repeatedly made harassing phone calls to me about a debt I do not owe. Their representatives have impersonated the sheriff 's department in a debt collection phone call made to a place of employment in an attempt to damage reputation. They have provided information about a debt to third parties in phone calls without identifying themselves as debt collectors. They continuously engage in unprofessional behavior while threatening illegal actions such as sending a " compliance officer ''. They launched a fradulent lawsuit through the local county 's marshall 's office. They have also filed a false credit report. Monterey Financial continuously employs unethical, illegal behavior. Monterey Financial should be charged for their illegal debt collection practices immediately.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have XXXX bank of america credit cards that went to delinqunt in XX/XX/year> and later charged off. But it shows in the report as XXXX XXXX are supposed to be removed from the credit report as they passed 7 years. XXXX removed those XXXX accounts from the file but XXXX and XXXX are coming back saying that the XX/XX/year> is the correct date and not XX/XX/year> and hence they are not deleting the accounts. I tried reaching out to the bank of america and they say that they don't have any information on this as it is more than XXXX XXXX XXXX. My SSN is XXXX. I'm raising disputes but XXXX comes back that Bank of america responded with the information is correct. If that us the case why Bank of america says they don't have information when I contact. XXXX, XXXX and Bank of america are playing with my time and credit report. This is making. my house buying purchase hard. 

I'm attaching the XXXX XXXX report where the first deliquency is XX/XX/year>.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX, XXXX XXXX XXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$9400.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$11000.00}, XXXX XXXX Balance Owed : {$12000.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$930.00}, XXXX XXXXBalance Owed : {$6200.00}, XXXX XXXX XX/XX/
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (DE)

On XX/XX/XXXX, I submitted form XXXX to Navient Corporation for the settlement of account number XXXX for the full balance on the account of {$9700.00}. On XX/XX/XXXX, I received a correspondence from Navient via mail which confirmed that they received my XXXX form which was presented to discharge my outstanding debt. Navient went on further to state they were not accepting my XXXX form because it was not for the full amount when indeed it was. 

According to UCC 3-603, If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. In other words, when my payment was submitted and received for the full amount on XX/XX/XXXX any additional interest charges should not have been applied to my account and the full balance should have been paid to reflect a XXXX balance. 

The debt for this account has already been paid in full upon submission of form XXXX, in which Navient admitted they received in XX/XX/XXXX. Pursuant to UCC 3-603, If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. Navient is in direct violation of the law with respect to my tender of payment! I demand the tendered payment in the amount of {$9700.00} be applied to account number XXXX to satisfy the outstanding debt to reflect a {$0.00} balance. I will take action on said violations if this is not resolved immediately!
Consumer complaint received 2023-07-18
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. (CA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-11-13
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. (NY)

I need to file a complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. The reporting on what was once a combined commercial/residential wrap around mortgage is now just attached to my personal residence after I sold off the commercial property attached to the collateralized loan. Shortly after I sold the commercial portion, I was hit with an acceleration of my mortgage after XXXX XXXX acquired the mortgage from a bank merger. This was extremely unfair at the time due to the personal hardship I was going through with the passing of my wife, who was also an XXXX and a partner in my XXXX XXXX. Then XXXX XXXX started what was proven to be an illegal foreclosure action. Since the commercial aspects of the mortgage was eliminated with the sale of the larger portioned commercial percentage, my rights under the Fair Debt Collection Practices was protected under the XX/XX/2018 addendum of that federal law, My rights were violated by XXXX XXXX as I should have been given the initial right to modify the terms of the loan and take out the balloon payment, normally associated with large scale commercial transactions. After the foreclosure was filed I filed a counterclaim. XXXX XXXX XXXX was trying to ingratiate themselves foreclosing on a {$400000.00} home with only a {$140000.00} balance. I discovered that my rights were being violated under federal guidelines with both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Eventually, XXXX XXXX XXXX realized their mistake and gave me a restructured mortgage with all past payments, interest, penalties and legal fees waived, and gave to me a six-year mortgage completely interest free as long as I dropped my lawsuit against them with the Supreme Court state of New York. In essence, the current reporting is a complete falsehood, as it was XXXX XXXX XXXX that brought about the illegal foreclosure action. I should have a new payment history starting from the month of the restructured mortgage. This abusive reporting on all credit bureaus is a direct violation XXXX XXXX XXXX has with their subscriber agreement with all three national credit bureaus. The negative reporting must be deleted and only the payment history that started with the interest free mortgage should be posted. Accordingly, XXXX XXXX XXXX has only one option, to rectify this immediately and live up to their subscriber agreement with all three credit bureaus.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX i have never had an account with this Company and they are reporting on my report along with the original Creditor who is XXXX XXXX they are bout reporting the same information at the same time so on my report it looks like i owe them along with XXXX Fed also the account with XXXX XXXX has been over 8 years old but this company is now reporting it as a new account... 

XXXX XXXX has updated and remove from my transition credit report and i need them to remove it from my XXXX AND EXPERIAN
Consumer complaint received 2023-06-08
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. (MD)

I filed a dispute with Experian on XX/XX/23 on inaccurate information. They have not removed my disputes only updated them and those inquiries were not mine.
Consumer complaint received 2023-12-14
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. (CA)

I have recently received a copy of my credit report and I have noticed some items that do not belong to me. My fianc and I are having our first child and are trying to purchase our first home but these items have been hindering us. Please remove these items. 

Fraudulent accounts ( XXXX XXXXXXXX ) Fraudulent inquiries XXXX date of inquiry ( XX/XX/XXXX  ), XXXX date of inquiry ( XX/XX/2022 ), XXXX  XXXX date of inquiry ( XX/XX/XXXX  ), XXXX  date of inquiry ( XX/XX/2022 )
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

My Chase Visa card was used for several transactions in XXXX, XXXX ( NY ) to purchase medical supplies. I tried calling the vendor 's phone number on the credit card statement but it was not in service. I contacted Chase and reported the fraud. They removed all the charges and investigated. they said the card had been used ( with chip ) at the location so I had to pay. Chase then gave me another phone # but it was to a business in CA that had no record of any business with me and had no office in XXXX NY. I gave this info to Chase. Chase still says I must pay these charges. They refuse to investigate and have no information about who the vendor is. They refuse to call the number they gave me and can not give me any information about who the vendor is, where they are located or what I allegedly purchased. I will not pay for these fraudulent charged and am furious that Chase will not properly investigate these charges.
Consumer complaint received 2018-11-13
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: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I need your help please!! I continue to receive harassing calls from a company called XXXX XXXX XXXX XXXX. They claim to be representing HSBC Credit Card Services and stated that they were hired to collect on a debt in the amount of {$2200.00}. They have called my family several times regarding this matter. They could not give me the account number or the date the account was opened. I called XXXX XXXX and spoke with a young lady named XXXX who informed me that they did not hire XXXX XXXX XXXX  or any company to represent them. In fact, they stated that my account was closed when they sold my account to XXXX XXXX XXXX. On XX/XX/XXXX I then contacted XXXX XXXX XXXX XXXX ( XXXX XXXX ) and she told me that my account was closed in XX/XX/XXXX when I filed bankruptcy. My bankruptcy was discharged by the state of Texas. XXXX XXXX XXXX advised me to file a police report due to the constant harassment and what they believe is fraud. I called XXXX XXXX XXXX again to let the rep XXXX XXXX know that neither XXXX or XXXX XXXX XXXX claims to have hired them. Well, XXXX proceeded to transfer me to her supervisor who started yelling at me saying " you owe this debt '' and became belligerent to the point where I had to hang up on him and block the number. These people have all of my personal information and continue to harass me daily. They call from different numbers and although I have blocked several of them ... they continue to call. I tried to reason with these people but they're not listening and will not stop harassing me.
Consumer complaint received 2019-11-07
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 Karma (NC)

I went to creat an account on Credit Karma and found an existing account using my Social and Name. I did not create this account and the e-mail associated is not mine. It also appears whomever had information has opened three accounts using my personal information. They have done nothing to close account or investigate the account information. I have incurred debt due to the identity fraud.
Consumer complaint received 2024-02-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (NY)

On XXXX, XX/XX/2024, Hunter Warfield sent me, an attorney, a residential collection letter. First, the balance wasn't correct, and second the amount was paid off almost a year ago. Due to tactics the company has had in the past, it would not surprise me if this was a completely fraudulent attempt to try to collect money. They're not in compliance with federal or New York state laws by pursuing this previously paid income. As an attorney, I will pursue all possible remedies if Hunter Warfield attempts to collect this money any further, including if this is included on my credit report at any point in time. This includes raising the case with the New York attorney general
Consumer complaint received 2024-02-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (FL)

I wrote a letter requesting my PMI be cancelled and mailed it certified to Mr Coopers in XXXX TX. It was received XX/XX/XXXX. I havent received any response up to XX/XX/XXXX, so today, XX/XX/XXXX, I chatted with Mr Cooper on their app and spoke with XXXX people asking why I havent been contacted. Both could not find my letter requesting PMI be cancelled. Both told me it would automatically terminate in 11 years. I mailed my letter of request with the appraisal done in XXXX, which was {$380000.00}. My value of my home is currently between XXXX. This puts me at between XXXX % XXXX. Under the Homeowners Protection Act of XXXX, Section XXXX it states that if my XXXX falls below XXXX XXXX I can request in writing that my PMI be cancelled. My loan has never been late and is not a high risk loan. Mr Cooper is refusing to remove my PMI under the HPA or FHA guidelines.
Consumer complaint received 2024-03-24
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. (IL)

I recently received a copy of my Experian consumer report, and I noticed some late payments posted on my report : XXXX XXXX XXXX , Account Number : XXXX This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to who it relates. 

I did not give XXXX XXXX XXXX written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( j ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-05-04
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. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$170.00}. Please update ASAP.