davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I contacted CFPB regarding this company on XX/XX/XXXX & XX/XX/XXXX to no correction of the issues.

I have submitted a short sale offer back in XX/XX/XXXX. 
I have sent every document requested within 2 days of the request.

Although they state I am assigned a Customer Resolution Person to oversee my application for the short sale this is a great thought but not at all real.

Each time I call I'm assisted by a new representative because the assigned person is on another call.

I've called to follow up on the status of the short sale offer since  XXXX a least 40 times. And each time the new representative offers to help. They are not familiar with the file and start reading and requesting documents already submitted. This went on for over 7 months until I was finally told in mid XX/XX/XXXXthat all was received and sent to the investor for acceptance or decline. I have called every week and at times twice a week and told by a different representative the investor has not yet responded. I received a letter XX/XX/XXXX stating they have withdrawn my application because of a lack of 3 documents they claim had expired yet all were sent over 5 months ago. In addition the person advised they can not complete the file to send to the investor till these docs are updated. I couldn't believe my ears. They've told me 2 months earlier that all was received and waiting for the investor 's response.

I have never dealt with a company so inept in their operations. I don't understand how they are allowed by agencies such as yours to operate in this fashion. They are hindering my credit score by these delays. Not to mention they are costing the investor monthly additional
association fees & a new current real estate tax bill that would have been avoided had they been working properly. If this agency is in place to regulate and protect the public why haven't they thoroughly investigated the practices of this firm. I received the responses from SLS for my previous two complaints which they state erroneous information as to their contacting me. I wish that someone from the agency would contact me and they could listen in and and see what they ask me for and I can give the time and date of my submission of
their previous request and you would see how poorly they operate. Another disturbing issue is that when asked to speak to a supervisor it's always told they will call you back. When called back basically the supervisor proceeds to read the previously requested documents only for me to advise when they were submitted and to then be told they will personally expedite, which holds as much validity as the statement that the world is flat. People should not be serviced in the fashion that Specialized Loan Servicing operates.
How many complaints does a Federal Agency required to receive before they attempt to correct a business that is affecting so many.

In researching I've seen hundreds of complaints filed against this company!
Consumer complaint received 2024-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-07-04
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. (FL)

An unauthorized purchase was recorded on XX/XX/2023 at XXXX. The purchase was for a matte black XXXX XXXX, priced at {$820.00}. I am disputing this transaction because I do not have the credit or the means to buy such an expensive device. My credit score does not qualify me to afford or purchase an XXXX of this caliber. I wouldn't even be able to manage the monthly payments, considering the high cost of the phone and the phone plan. I believe this is either a glitch or an error in the system. In the past, I have attempted to purchase much cheaper phones but failed to meet the eligibility criteria. It is impossible for me to qualify and possess a phone like this according to my credit history. I request that this error be removed from my credit report as it has severely impacted my credit.
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (FL)

We have repeatedly contacted XXXX XXXX about the account on our credit report. 

They have been advised this is a fraud account and it was not opened by myself. We have files with IdenityTheft.gov, we filed a police report, and we have written and mailed copies of all the above to XXXX. 

They have not removed the fraud account from our credit records. 

XXXX XXXX does not appear to want to remove this incorrect fraud account they opened without our knowledge or permission
Consumer complaint received 2023-07-17
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. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (NY)

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 accounts 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 XXXX XXXX  XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. XXXX XXXX XXXX XXXX | Account number XXXX | {$15000.00}
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (GA)

This is my NUMEROUS plea that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm contesting have nothing to do with any transactions I've carried out or given the go-ahead for in order to obtain goods, services, or cash. Please take away THESE ITEMS. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
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. (SC)

Upon reviewing my consumer credit report, I discovered that I am the victim of identity theft. My identity has been fraudulently used to obtain credit. I have attached the account name and partial account number for reference. This inaccurate reporting on my credit report is causing me to not be able to purchase a home. Please make this company verify my identity. They will have no signed documentation from myself or anything proving that I actually opened this account. Thank you for your prompt attention to this matter. 

XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SD)

On XX/XX/2023 I used The Wells Fargo ATM located at XXXX XXXX XXXX XXXX, XXXX XXXX, SD, XXXX. 

I tried to withdraw {$680.00}, my account was charged for the amount plus transaction fee however no cash was dispensed and an error message appeared on the ATM machine screen. 

I went into the Wells Fargo branch directly after and was told there was nothing they could do about it as they do not service their ATM machines.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX has an account with inaccurate information wothout my written consent. 

XXXX has violated 15 U.S.C 1681 sec 602 A : A right to privacy. 

I am a victim of indentity theft and this account leaves room for exposure.
Consumer complaint received 2024-03-27
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)

I did not consent to authorize nor benefit from the following account ( s ). Block and Remove. 

I am of age majority and have requested validation and consent to authorize such account ( s ) my request was ignored.
Consumer complaint received 2023-10-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

I have a consolidated student loan with Mohela ( XXXX ). When I applied for the loan, there was an automatic 0.25 % discount if you enroll an automatic payments. From the very first day I could, I enrolled an automatic payments. Their website and app does not indicate I've been getting any auto pay discount. When I contact the company they claim I am without having proof. They also are alleging a lesser discount than the quarter of a percent advertised when I originally signed up. 

When I recently contacted them asking for documentation of the discount, even their documentation shows a period of time where I was not given the auto-pay discount even though I was enrolled in auto pay. 

I feel this company is intentionally misleading borrowers and not fairly charging interest to vulnerable borrowers.
Consumer complaint received 2023-02-20
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. (MI)

I have multiple fraudulent accounts listed on my credit report that do not belong to me. I have submitted multiple ftc reports and multiple police reports and the accounts are still on my credit report. I have also pointed out that the XXXX XXXX fraudulent was reporting different balances on on the reports and then two weeks later they didn't remove the account like they were supposed to, they just updated the balances to all match. This is in violation of my FCRA as a consumer. I will be pursuing litigation on this matter.
Consumer complaint received 2024-03-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CO)

XXXX XXXX XXXX sent me a Debt Collection Notice of {$14000.00} for Rent Collection for XXXX XXXX XXXX XX/XX/2024. I submitted a Debt Validation outlining the required documentation to prove they had the right to collect the debt, the proof that the debt is mine, and itemize breakdown of the charges within XXXX days of receiving the letter XX/XX/2024. Until the information outlined in the Debt Validation Letter they should not contact me nor report any Items to the Credit Agencies. I did not received any correspondence outlining the required information, which is detailed in the attached Debt Validation Letter. On XX/XX/2024 the debt collection was reported illegally to the XXXX Credit Bureau Agencies, XXXX, XXXX, and XXXX. I have submitted disputes to have the charges removed from my credit Report as of XXXX/XXXXXXXX to XXXX and XXXX. This reporting to the credit bureau was initiated illegally by XXXX XXXX XXXX.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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 2023-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (CA)

I opened an account with Ally Bank earlier this year on XX/XX/XXXX and transferred {$100.00} on XX/XX/XXXX to the account. Later on XX/XX/XXXX my mom deposited {$100.00} and {$200.00} on XX/XX/XXXX via XXXX. I tried to transfer {$370.00} out via XXXX on XX/XX/XXXX this year and Ally Bank wouldn't let me. They restricted and froze my account claiming suspicious and fraudulent activity but it was me trying to get my own money from my account. They shut down my online account and I could no longer log in. I called multiple times and was put on hold for hours on XX/XX/XXXX until the bank hang up on me and told me there was nothing they could do. I kept calling in XXXX and XXXX and XXXX many times and was put on hold and transferred for hours and never was able to access my account or money again. Finally on XX/XX/XXXX I called and was told that they closed my account and sent me a check, but I never received any check. I told them I had not received the check and they sent me an affidavit to sign on XX/XX/XXXX which I signed and sent the next day via XXXX mail and fax. I still have not received the check for my money. The bank stole {$400.00} from me and I need the money back.
Consumer complaint received 2024-03-27
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX || Account Number : XXXX
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (CO)

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.

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 2022-12-26
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. (MS)

XXXX XXXX XXXX, XXXX, XXXX refused to remove fraudulent accounts from my credit report. These fraudulent accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furn End of Report
Consumer complaint received 2024-03-27
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. (FL)

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 uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated 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 : XXXX. XXXX XXXX  XXXX - XXXX
Consumer complaint received 2023-10-27
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. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-03-27
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)

Experian delete the following accounts as I have not given permission or authorization to publish this information. These accounts were added to my report without my written consent or authorization. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Dept of EducationXXXX, XXXX XXXX. 

Experian is committing identity theft pursuant to 12 CFR 1022.3. Delete these accounts that were added to my report without my permission or authorization. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Dept of EducationXXXX, XXXX XXXX.
Consumer complaint received 2024-03-27
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. (SC)

Upon reviewing my consumer credit report, I discovered that I am a victim of identity theft. My identity has been fraudulently used to try to obtain credit. I have attached a list of these accounts and the inquiry dates for your reference. These unauthorized inquiries are negatively impacting my credit score and hindering my ability to purchase a home for my family. I request that these inquiries be deleted from my credit report as they do not belong to me and are the result of identity theft. Your prompt attention to this matter is greatly appreciated as I am in the process of buying a home for my family. Thank you for your assistance. 
XXXX XXXX XXXX inquiry date : XX/XX/XXXX XXXX-XXXX XXXX inquiry date : XX/XX/XXXX XXXX XXXX inquiry date : XX/XX/XXXX