davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

XX/XX/XXXX Let this serve as a FORMAL COMPLAINT by XXXX XXXX ( originator of loan homeowner on Deed/Title and 100 % Payor of ALL BILLS full-time resident and maintainer of property for 16.5 years against the following entities : Select Portfolio Servicing Inc. FOR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For  violating the following but not limited to : Deceptive Trade Practices/ Unfair Business Practices Multiple violations of the Fair Debt Collections Practices Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) Willful and intentional disregard for the Federal Cares Act since XXXX ( SPS never substantiated their claim FHA was removed by way of previous modification Mortgage Fraud ( Threats to illegally foreclose on home with no legal Standing ) Refusal to honor QWR Qualified Written Request Refusal to perform MORTGAGE AUDIT ( Homeowners/Barrowers demand Forensic Mortgage audit ... to uncover overcharges that are caused by miscalculations of interest charges, monthly payments, amortization or loan balance. In compliance with The Mortgage Loan Act Violations of Regulation F ... outlining prohibitions,,, false or misleading representations and unfair practices. On XX/XX/XXXX Regulation F Officially superseded ANY previous rules found in The Fair Debt Collections Practices Act ( FDCPA ) Being denied over the last several months for Mortgage assistance and grants because Im not on the actual loan missing several opportunities to have saved my home long ago, avoiding all the pain and misery I have experienced over this mortgage. For example rushing to Tax Preparer to pay mortgage while in the process almost XXXXXXXX XXXX XXXX XXXX 2 MONTHS AGO OVER MOTGAGE ISSUES that shouldn't even exist! This is the honest to God truth!! If added to loan I CAN UTILIZE MY {$180000.00} IN HARD EARNED EQUITY AND PAY ALL THE BILLS. These are bills that hadnt gone delinquent in over 16.5 years except after XXXX XXXX XXXX, Rollover in XXXX XXXX XXXX XXXXXX/XX/XXXX THEN on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX weeks ago ago! ( See attached photos and police reports ) With no refinance opportunity nor XXXX XXXX XXXXXXXX ( which is all Ive heard for 3 years from SPS reps like a script kicking solution down the road slowly nearing default as I begged for help but treated like a peon because Im not on the actual loan but on Deed/Title and pay the mortgage. ) UNDER RARE CIRCUMSTANCES NON-OBLIGATOR BARROWER PAYOR CAN BE ADDED TO LOAN COVID-9 PANDEMIC BEING RARE CIRCUMSTANCES! Once I am added to the loan repeat ADDED not ASSUME ... Add.

COMPLAINTS FILED ON SPS with : The Consumer Financial Protection board The Nevada Division of Insurance ( regarding illegal Interstate Collection efforts by Loan Servicer
Consumer complaint received 2020-12-27
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO LOAN OR LEASES 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2016-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously filed a complaint against credit reports from XXXX apartments for an amount they have put against my credit that I do not owe them. I attached many pages of backup, but want to attach these XXXX pages from them XXXX states at the bottom of the letter- " Federal law gives you 30 days after you receive this notice to dispute the validity of the debt or any portion of it. '' " If you dispute the validity of the debt or any portion of it in writing within 30 days from this notice, we will obtain and mail to you proof of the debt. '' Do THEY not have to comply with Federal law also? I disputed in writing several times. I was told I would receive receipts and pictures, which I never received. Since they did not comply with Federal law within 30 days, I believe this claim should be null and void. I will not be blackmailed into sending them money I do n't owe them and this erroneous entry on my credit report will prevent me from being able to rent in the future, unless it is removed.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

In accordance with the fair credit reporting act, these creditors have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section XXXX states I have the right to privacy. 

15 USC 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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.
Consumer complaint received 2023-08-14
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. (CA)

I am currently reviewing my Equifax Credit Report and there is a fraudulent account report on my credit report that is not mine. This is my first time checking my credit report in years. 
Below is the fraudulent account that I would like to have permanently deleted : 1. XXXX
Consumer complaint received 2020-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX an accident rendered my car a total loss. I was in the 4th year of a chapter XXXX bankruptcy at that time. In XX/XX/XXXX payment of the total loss ( roughly {$8100.00} ) was remitted to XXXX, the lien holder. When I called to verify the payoff in XXXX, they denied having it. Under my chapter XXXX plan, the amount owed ( roughly {$6000.00} ) was less than the payment remitted to them. Shortly thereafter, XXXX initiated a GAP claim without my knowledge for the amount of the loan which would have been due outside the bankruptcy. They provided all information requested to that company. When I became aware, I questioned them about it and in XXXX they allegedly canceled the GAP claim. I don't know if this is true, but they would have been paid again if not. If it was legal to proceed in this manner, why did they not receive compensation and leave me alone? In XXXX, they requested to be removed from the bankruptcy provisions and to be allowed to accept the payoff. It was granted, months after accepting/holding payment for the loss. To date, they are reporting the account as open with a balance of {$11000.00} with a payment made in XX/XX/XXXX. This is all false. How are they able to circumvent the chapter XXXX, file a claim using my personal data, keep the money and still claim the original amount while reporting on my credit bureau reports?
Consumer complaint received 2020-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

On XX/XX/XXXX an accident rendered my car a total loss. I was in the 4th year of a chapter XXXX bankruptcy at that time. In XX/XX/XXXX payment of the total loss ( roughly {$8100.00} ) was remitted to XXXX, the lien holder. When I called to verify the payoff in XXXX, they denied having it. Under my chapter XXXX plan, the amount owed ( roughly {$6000.00} ) was less than the payment remitted to them. Shortly thereafter, XXXX initiated a GAP claim without my knowledge for the amount of the loan which would have been due outside the bankruptcy. They provided all information requested to that company. When I became aware, I questioned them about it and in XXXX they allegedly canceled the GAP claim. I don't know if this is true, but they would have been paid again if not. If it was legal to proceed in this manner, why did they not receive compensation and leave me alone? In XXXX, they requested to be removed from the bankruptcy provisions and to be allowed to accept the payoff. It was granted, months after accepting/holding payment for the loss. To date, they are reporting the account as open with a balance of {$11000.00} with a payment made in XX/XX/XXXX. This is all false. How are they able to circumvent the chapter XXXX, file a claim using my personal data, keep the money and still claim the original amount while reporting on my credit bureau reports?
Consumer complaint received 2024-02-29
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. ()

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX **** Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$43000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXXXXXX XXXX Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-12-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wromng person.
Consumer complaint received 2020-12-27
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. (MA)

I have filed several disputes regarding this account being on my credit report which is hurting my credibility and hurting my ability to obtain credit, Experian has not only failed to respond but blatantly ignored my complaint which has also disregarded the laws to my consumer rights. 

I asked them to validate the validity of this account being 30 days late XX/XX/2019, also sent them a method of verification once there E-oscar system has kicked back and auto response of update to my complaint which I didn't ask for and update. They are housing misleading persona identifiers on my report as well merging my file with others and compromising my profile. 

This account is bein reported late with Experian and XXXX  but on time with XXXX the creditor has sent proof that I am up to date and not late screen shot of error below XXXX  XXXX  Account # : XXXX XXXX
Consumer complaint received 2020-12-26
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: AMERICAN EXPRESS COMPANY (FL)

Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX AMERICAN EXPRESS Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Consumer complaint received 2020-12-26
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: JPMORGAN CHASE & CO. (FL)

Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Consumer complaint received 2020-12-26
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. (NY)

Equifax switched their platform and it caused my credit score to drop over 100 points. I have called and asked for it to be fixed and to be resolved. Nothing in my credit has changed for the worse. It has only gotten better. They said that I can not dispute the credit score. I told them that that is ridiculous. That their switching over to this new platform has dramatically changed my score and there has to be a department that is handling that. The technology department that caused the change or managerial department that is handling these disputes. She said there is nothing and continued to tell me I can't dispute the credit score. 

I would like something done about this. They have harmed my credit when in fact it should not be changed. 

I would appreciate if someone in your department looked into what happened at Equifax. They also said that the other 3 major credit reporting companies are using this model and they too changed my score.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (IL)

I contacted Dovenmuehle at the beginning of XX/XX/2020 because I got financially impacted by COVID-19. I then submitted an application to enter the forbearance Plan. I qualified for a suspension of payments from XX/XX/2020 to XX/XX/2020 and then i received a letter on XX/XX/2020 that extended my forbearance agreement from XX/XX/2020 to XX/XX/2020. I then Also received another letter on XX/XX/2020 stating that I was approved for a payment deferral, and they will defer my past due amounts to bring me current. On XX/XX/2020 Dovenmuehle sold my loan to XXXX XXXX XX/XX/XXXXas a delinquent account with no knowledge about the forbearance plan that Dovenmuehle had already done to my loan. My loan was reported to my credit on XX/XX/2020 negatively impacting me lowering my score 59 points. XX/XX/XXXX sent me a bill asking for the total past due amount. Dovenmuehle failed to sold my loan with the same terms and conditions that we had agreed to prior to selling it to XXXXXX/XX/XXXX. Ive been trying to fix my credit score and forbearance plan with both mortgage companies for the past 60 days and nothing have been resolved.
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (FL)

From XX/XX/2021 to present, I have spoken with this credit card company to close this account. They keep giving me the run around, they keep accumulating fess on a card I have not made and transactions on. The keep giving me different excuses, we can not close because you have a balance or card is locked. 

I think they are doing this to keep adding fees.
Consumer complaint received 2020-12-26
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC (NY)

I spoke with someone at rocket mortgage and I specifically asked estimate he then tells me he needs to run my credit but will not impact my score he then guarantee me he'll get me loan then after he runs my credit denied me cause I receive XXXX income. Now my score dropped XXXX points cause of this and I been fixing my credit. He said my income wasn't good enough
Consumer complaint received 2020-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

RE : TransUnion Refusing to Update My Address Dear Representative, I requested my credit report using the annual credit report request form all three of the credit reporting agencies. 
When I received my report from Trans Union to my new address they notified me that they were updating my address as requested. They will continue to report my old address in the file. 
I thought this was my file and the information in it was reported by my creditors and all of them have my current address on file, but Trans Union is refusing to update it accordingly, but this type of miss-behavior is a recurring theme with them. 
It is clear that TransUnion is formatting my credit file in a way to mislead my creditors and those third party that use the information in my consumer file A leap forward should be the honest and accurate entry of information in my credit file which they have failed to fulfill. 
I look forward to your reply and assistance on this matter. 
Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2020-12-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (FL)

NATIONWIDE RECOVERY SV will not respond to my mail but somehow continues to verify 11 Collection accounts with XXXX  and XXXX. I have never received any letter directly to my address about this debt in which I would then have 30 days to dispute the debt directly with NATIONWIDE RECOVERY SV. I have disputed directly with them and XXXX  and XXXX. XXXX  and XXXX  continues to verify the debt but they wont even explain to me how or why it is verified. 

all collection information is listed below NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$1100.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$290.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$780.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 2020
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I just turned XXXX and was curious if I have a credit score. I went to this website called Trans Union and signed up to see if one exists. The site asked for my credit card number. I thought it was needed for verification or something. Now I see a XXXX charge on my XXXX for today XX/XX/20. I don't even have a credit score or report yet so what am I being charged for. I want my money back and this service cancelled asap.
Consumer complaint received 2020-12-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NY)

I had just called Credit Collection Services in XXXX to clear up an old dispute from 2018 which they placed with XXXX  in 2018. 
I paid CCS the total amount due and they agreed they would delete it from my credit report. After paying them and having it deleted from XXXX  about three weeks later they contacted XXXX  and reported that I owe them. This was clearly a case of " debt parking ''.
Consumer complaint received 2019-05-10
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: TD BANK US HOLDING COMPANY (TX)

I checked my report recently and noticed that you did not remove it. Why is that? 

Td Auto Fina Inquiry from XX/XX/2018 It appears to me that you don't care about my rights and my creditworthiness.