davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS is in violation of CA HBOR and RESPA guidelines. At issue is that a short sale package was submitted to SPS on XX/XX/17 and SPS is refusing homeowner 's legal right afforded to him under CAHBOR to avoid foreclosure. 

Lenders and servicers operating in CA are required by law to allow homeowners to avoid foreclosure and SPS is breaking the law by refusing to review homeowner for foreclosure alternative methods. 

Additionally RESPA requires lenders and servicers to acknowledge work out request packages within 5 days of receiving them. By automatically denying that review they are in fact violating RESPA guidelines. 

Lender must comply with the law and allow homeowner to proceed with short sale request and stop acting a foreclosure mill intent on charging fees.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
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)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is XXXX. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

My CURRENT and ONLY address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Consumer complaint received 2017-09-22
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. (LA)

I have submitted information to Equifax several times regarding an inaccurate account on my credit profile. XXXX ( XXXX XXXX ). I have submitted request to validate on XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information from the ORIGINAL CREDITOR, they must remove the said information from the consumer credit file. '' I have made several attempts to Equifax regarding this matter and they respond by verified. I have asked for clarification on how its " VERIFIED '' and how it can be verified when this account is not mine, nor could they send me any clarification on whom, what department they spoke with reagrding this matter. Please help me get this resolved with Equifax.
Consumer complaint received 2018-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (DC)

Caliber did not receive a copy of property tax statement for first half of XX/XX/XXXX tax payments ; copy of property tax statement was sent to Caliber. Caliber incorrectly entered Lot ID, resulting in incorrect property tax payment. After being notified of issue, Caliber subsequently made correct tax payment. However, original incorrect payment ( made XX/XX/XXXX ) has still not been returned to our escrow account, despite over 6 months passing. As a result, escrow account is underfunded. Caliber subsequently did an escrow analysis ( XX/XX/XXXX ) and determined that escrow account is underfunded, resulting in increased escrow payment to take effect at a later date. Additionally, this resulted in an incorrect XXXX being issues, as it includes both the incorrect payment ( not yet refunded ) and the correct payment.
Consumer complaint received 2024-03-21
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. (MO)

Subject : Request for Verification Method Dear Experian, I hope this letter finds you well. I am writing to request verification of the method used by Experian Reporting Agency to verify the accuracy of the information listed on my credit report.

As a responsible consumer, I regularly monitor my credit report to ensure its accuacy and to safeguard my financial standing. Upon reviewing my recent credit report from Experian credit reporting agency I noticed some discrepancies in the information provided. In order to adress these discrepancies effectively, I kindly request verification of the method used by your agency to verify the accuracy of the information listed on my credit report.

I understand that under the Fair Credit Reporting Act ( FCRA ), consumers have the right to request verification of information listed on their credit reports. As such, I am exercising my rights under the FCRA by requesting clarification on the verification method employed by XXXX XXXX XXXX XXXX. 

XXXX XXXX Please provide detailed information regarding the specific method or process used by your agency to verify the accuracy of the information listed on my credit report. Additionally, I would appreciate any documentation or evidence related to the verification process.

I kindly request that you provide this information within 3 business day the timeframe specified by the FCRA. Your prompt attention to this matter would be greatly appreciated.

Thank you for your cooperation and assistance in resolving this issue. Should you require any further information or clarification, please do not hesitate to contact me.

Deletion of account from my credit report immediately.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (SC)

In XX/XX/XXXX, I received notification from XXXX XXXX that there were three collections accounts added to my credit. They were as follows : Opened XX/XX/XXXX by Transworld Systems ( original creditor : XXXX XXXX XXXX ) for {$550.00} Opened XX/XX/XXXX by Transworld Systems ( original creditor : XXXX XXXX XXXX ) for {$960.00} Opened XX/XX/XXXX by Transworld Systems ( original creditor : XXXX XXXX XXXX ) for {$1000.00} I have never had an account with either Transworld Systems or XXXX XXXX XXXX. I have never heard of either of the companies prior to XXXX XXXX 's notification. 

I disputed these collections accounts with both XXXX and XXXX.
Consumer complaint received 2024-03-21
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. (NC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2024-03-21
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. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


My CURRENT and ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights
Consumer complaint received 2023-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2022, I called Chase Mortage and let them know that my payment was going to be late informed them it would be the end of the month. I made the payment late and received a 30day late on my credit report. My complaint is Chase had a COVID program available to me and I shared that I was having a difficult time with my payment, during our conversation the Chase representative NEVER shared the COVID program with me and never offered the discussion to help me with an opportunity to apply for the COVID program. Because of their lack to share this important program I have received 2 thirty-day late on my credit report. I requested Chase do an investigation and listen to the " recorded '' phone call, they found that the Chase representative DID NOT offer the program, which is what they were supposed to offer any customer that called, this was a directive to all banking institutions by the Federal Government ( I believe ). I did not find out about the COVID program until after Chase ended the program- they failed provide assistance. I asked for documentation from their investigation, and I was told that they " Chase '' could not release this information to me. Based on their findings I have asked that Chase remove the 2 thirty-day late penalties from my current credit report, and they have denied my request. This would have never happened had the Chase representative provided me with the COVID program assistance.
Consumer complaint received 2024-03-21
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. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (MO)

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 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. 
XXXX XXXX, XXXX Account # XXXX XXXX XXXXl Account # XXXX XXXX Account # XXXX
Consumer complaint received 2020-06-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I refinanced a home loan from FHA to conventional. XXXX will not remove the debt off all 3-credit bureaus. I have complained several time and nothing is being done. You can't call XXXX because it's a total circus!
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

My CURRENT and ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

Trying to make weekly transfer to my daughter and my account was disabled to transfer. I should have known, the moment my account was flagged and disabled. The ridiculous thing, they make you go through hoop and continue to ask questions. It wasn't until 3 calls later that a supervisor explained that my account was disabled due to a change of carrier of my phone number. Needed to make the transfer for my daughter that needs her allowance away from home. There was refusal to give me additional information, even how to escalate, or complain within the bank. Spoke with XXXX.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (MD)

Ally Auto admitted to sharing information regarding payments/transactions on my credit reports that should not have been shared and are to be excluded from any reports pursuant to the FCRA. The information has yet to be removed and now they are stating it will take another dispute and another 30+ days to remove the information when the original dispute and confirmation that the info would be removed is over 90 days ago.
Consumer complaint received 2022-11-10
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. (GA)

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX  XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

My CURRENT and ONLY address is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX '' I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (TN)

On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  act up to XXXX different times, however i was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am free with XXXX XXXX currently. The back ground company First advantage, XXXX XXXX XXXX XXXX, In XXXX is reporting inaccurate information on my consumer back ground and i would like for it to be removed immediately because this inaccurate information is preventing me from gaining employment. 


Thanks, XXXX XXXX.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I just reviewed my credit reports and it shows inaccurate accounts. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet
Consumer complaint received 2020-07-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC (IL)

I purchased my home in XX/XX/XXXX. My loan was transferred to Planet Home Lending LLC shortly thereafter. In XXXX of XXXX, I decided to go through Planet Home Lending for a streamline refinance. I submitted my application online as instructed and we started the process. I received the initial disclosure on XX/XX/XXXX. Nearly 2 months went by without any communication, I assumed it was due to covid-19 and emailed the loan officer, XXXX XXXX, about the status and she informed me my file was sent to the processor. I received the first closing disclosure on XX/XX/XXXX. No communication after that about a closing until the end of the month. A closing was scheduled for XX/XX/XXXX. The closing agent arrived at my home and documents were signed and they were sent to Florida for my father in law to sign since he is a non occupying co borrower. Then, a few days later I receive a phone call that my husband needed to sign. He isnt on the loan but due to our marital status, he needed to sign as well. Another closing disclosure was sent on XX/XX/XXXX and we scheduled another closing to have my husband sign. We have another closing scheduled and another closer comes out to our home and we sign the documents again and have them sent to Florida. XX/XX/XXXX I receive a phone call from the processor, XXXX XXXX, that we need to repeat the closing again due to them putting the wrong date on the paperwork and the bank supposedly did not accept it. She also told me that I would need to make XXXX 's payment as well but we could close for XXXX and not have to make XXXX 's payment. Meaning I also have to pay a late fee on top of my payment for XXXX. I received another phone call on XX/XX/XXXX telling me that I would need to push off the closing again because my taxes were due. Meaning I had to pay yet another late fee on my mortgage payment. I have NEVER paid a late fee on my mortgage until this. Not only that, I am now being asked to pay 3 times more in closing costs that I originally had paid. I sent an email to the processor asking her where this amount came from and still have not received a response or returned phone call. At this point I do not know what to do anymore.
Consumer complaint received 2021-09-01
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: EQUIFAX, INC. (TX)

I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with a high credit of {$2600.00}, opened on XX/XX/XXXX being reported by Dept of Ed/XXXX  ( account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Dept of Ed/XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Dept of Ed/XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Consumer complaint received 2023-07-16
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. (FL)

XXXX XXXX XXXX XXXX Ct, XXXX, Fl XXXX XXXX You are in Direct Violations of The Fair Credit Reporting Act ( CAPITAL XXXX, XXXX XXXX XXXX  XXXX, XXXX FED XXXX XXXX - XXXX XXXX ) has violated several of my rights.

15 U.S.C 1681 Section 602 A Clearly stated that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without any written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Consumer complaint received 2018-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

I joined a bi weekly payment program at Wells Fargo bank and have found out that regardless of when money is recieved payments are applied once a month. Funds are held in an unapplied status. It was my expecation that they payments would be applied to my mortgage as recieved. Please see attached document which provides an example of this. 

Further I make additional principal payments those too are held by Wells Fargo as unapplied funds until my mortgage due date. 

This process seems to unfairly benefit Wells Fargo. Do they collect interest on my unaaplied funds? Do they use my unappllied funds to meet regulatory requirements? If so they are recieving a direct benifit from monies that do not belong to them until they are applied to my mortgage.
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (PA)

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.