davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (CA)

They had sent me a trial forbearance agreement during the process of my bankruptcy, but the payment was still too much and it was impossible to get a hold of my one point of contact. Their employees make misleading statements to make you think they are helping and they are not. I sent in proof of insurance to get them modify the past due amount and they never responded. Another time an employee named XXXX told me to send the documents to XXXX and they would make the changes there. They are a predatory mortgage lender and their employees are a reflection of their deviousness. 

Then, I submitted a loan modification application on XX/XX/23 to Selene Finance and they refused to review saying there wasnt enough time to review it before the auction sale which was XX/XX/23. The opening bid was XXXX and it was sold back to the beneficiary which is Selene Finance. I believe they violated my homeowners rights and they also never posted a notice of the trustee sale on my property.
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (TX)

In accordance to the Fair Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 602 A States 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 a account without my written instructions.
Consumer complaint received 2023-08-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

My mortgage was refinanced in the amount of XXXX without my permission, Also to know use of mines as XXXX was added to my mortgage principle, I didnt receive a lower interest rate or cash out but its all written into a new contract by SLS this is unlawful and fraudulent doing by Specialized Loan Servicing as there hold no PURCHASE MONEY LOAN CASH ADVANCE bearing my wet ink signature, A LOAN mean Debt evidence by Promissory Note plus interest, A promise to pay doesnt constitute a loan.I have no contract with this corporation and would like them to stop
Consumer complaint received 2022-12-22
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. (PA)

My name 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MA)

This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the three major credit bureaus ( Equifax, XXXX, and XXXX XXXX ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. 

Account Name XXXX Account # XXXX 
Date Opened. 
XX/XX/XXXX. 
Balance Owed. 
{$1400.00}. 

Account Name XXXX Account # XXXX. 
Date Opened. 
XX/XX/XXXX. 
Balance Owed. 
{$1000.00}. 
Account Name XXXX XXXX XXXX XXXX 
Account # XXXX. 
Date Opened. 
XX/XX/XXXX. 
Balance Owed. 
{$810.00}. 

Account Name XXXX. 

Account # XXXX. 
Date Opened. 
XX/XX/XXXX. 
Balance Owed. 
{$1600.00}.
Consumer complaint received 2024-03-07
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: EQUIFAX, INC. (TX)

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 XXXX out of XXXX 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 accounts :
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXXXXXX XXXXs account # 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 2023-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (NY)

In XX/XX/2023 I paid for a hotel and rental through affirm. They started to take payments out as agreed. In XX/XX/2023 I utilized services and XXXX credit card was charged. I spoke with multiply ppl at affirm explaining that I had already paid for services. I opened up a dispute. Provided proof and waited well over the 90 days to be told I lost my dispute and still had to pay despite paying already. They also reported all the payments as late payments which has negatively impacted my credit report. This is not fair. I made a complaint with the XXXX about Affirm and they still have not answered the complaint.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Sunbit, Inc. (NC)

Sunbit inc has been reporting my account as 30+ days late on my credit report as I checked my statements it showed I was not 30+ days late I have contacted customer service several times XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I reach out to XXXX XXXX informed her several times that these late payment were incorrect and doing damage to my credit report I got no response but she did correct some errors but also continued to add errors which did more damage to my credit stating that I had late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX now there's a late payment on my credit report for XX/XX/XXXX when my account was in dispute from that time frame until XX/XX/XXXX which by federal law I am not responsible for the balance that is in dispute which means I did not owe anything further more I never was late on my account and if XXXX XXXX would have researched the account history or gave me the opportunity to speak with a supervisor as I requested this could have been resolved quickly without further damage to my credit worthiness by continuing to report false information and ignore my dispute of this information they have shown civil liability for willful noncompliance please contact me immediately to resolve this matter
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (VA)

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you please verify the documents? Several of the listed accounts are not accurate, and it's causing me some distress.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I did the Administrative Process Act 1946 with a 30-day debt validation letter and ended with Notary Default and Dishonor Register Mail # in this case I was the Plaintiff 6 months later they sold the alleged debt to XXXX XXXX XXXX and XXXX. I did the exact same thing and guess no one responded to the Affidavits so that fraud has to be zeroed out with the document case law and the matter of XXXX presented. on the record
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act The Bankruptcy that is showihng on my credit has violated my consumer rights. 

16 USC 1691 States I have a right to privacy.

16 USc Section 604A It also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Affirm Holdings, Inc (CA)

At XXXX Pacific Time on XXXXXXXX XXXX XXXX I noticed there is a {$260.00} charge of direct payment on my XXXX XXXX checking account. This payment 's merchant is AFFIRM INC AFFIRM PAY. This is weird as I never had an account with Affirm and have never authorized Affirm to take payments from my account. 

I called XXXX phone line when they are opened, at XXXX PT to dispute these charges, which XXXX mentioned they have done so for me. ( I am still waiting for XXXXXXXX XXXX confirmation email that this transaction has been disputed ). XXXX told me that this charge was done through my routing and account number. 

I then called Affirm to find out why was I charged and how did the have my routing and account number information. Affirm talked to me on the phone and was able to confirm that I do not have an account with them, but were unable to provide me with any more details.
Consumer complaint received 2023-08-21
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: TD BANK US HOLDING COMPANY (IL)

To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (MI)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-03-10
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. (MI)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-10-05
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)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

I had XXXX dollars in checking &, About XXXX n savings. I have spoke to them with no results. I called the XXXX number as well spoke to several bankers, XXXX. XXXX. XXXX, XXXX. I have a list.they SD they couldn't help me? It is a never ending battle. XXXX SD I would get my $ during income tax? I went in bank for my accounts information & could not get em. I requested my written form numbers and was told they would be mailed to but are long over due?
Consumer complaint received 2024-03-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

I changed my Home Owners insurance company effective XX/XX/2024, I called Carrington Mortgage Services concerning this change and provided via email the new Insurance XXXX and release from my former Insurance provider. I spoke with a Customer Service rep on XX/XX/2024 and was assured a new escrow analysis would be provided and a new monthly payment amount would be created. 
I called on XX/XX/2024 after receiving a Delinquency Notice dated XX/XX/2024 from Carrington Mortgage Services and spoke with ( XXXX ) customer service ladies. A total of XXXX minutes on the line and nothing was resolved, I have made a payment every month including my XXXX payment and they will not do an Escrow Analysis nor send me a new payment amount. They are sitting on over {$2000.00} of my money which they will not apply to my home loan.
Consumer complaint received 2023-08-21
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 — Problem with personal statement of dispute
Company: PENTAGON FEDERAL CREDIT UNION (KS)

Company Response Trade : XXXX XXXX XXXX XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM.. XXXX : PENTAGON FEDERAL CRE XXXXXXXX XXXX THAT THIS ITEM BELONGS TO YOU. 

XXXX reviewed the complaint, relevant documents, and completed an investigation where applicable. 
Feedback provided STATUS Feedback provided on XX/XX/2023 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES : NO!
Consumer complaint received 2023-08-20
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. (NV)

I sent Equifax three Identity Theft Reports, each with a cover letter, a copy of the Identity Theft Report, color copies of my drivers license and social security card, and exhibits of the pertaining fraudulent accounts as instructed on the FTC website. Two of said packets were sent on XX/XX/XXXX, and received on XX/XX/XXXX & XX/XX/XXXX. The third packet was sent on XX/XX/XXXX, and received on XX/XX/XXXX. Following each of the letters, they not only failed to block the information within 4 business days, they sent three of the same letter stating that they are not blocking the information, pursuant to Section 605 ( B ), and proceeded to state what is required under said section. In their letter and in the FCRA, it states that you need to provide proof of your identity, the specific information that is the result of identity theft, and a copy of your complete and submitted Identity Theft Report with the Federal Trade Commission or police report regarding identity theft. I provided those documents. If Equifaxs reasoning lies with needing additional proof of address/identity, I will provide it here, however that is not explicitly stated as a requirement in Section 605 ( B ). I have acted in accordance with the FCRA and Equifax has not.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC (FL)

I OPENED A CREDIT CARD WITH REVVI, DID APPLICATION, PAID THE FEE, AND WAITED FOR CARD. A FEW MONTHS GO BY ... NO CARD, NO BILL SO, I CALLED EM TOLD EM WHAT I DID THEY ARE LIKE U OWE ANOTHER MEMBERSHIP FEE, I TELL EM WHEN I SEE A CARD GREAT I'LL TAKE CARE OF THIS. WELL ITS BEEN ABOUT A YEAR AND IM CHECKING MY REPORT. THEYVE GOT A 30 DAY LATE PAYMENT ON MY ACCT. IVE CALLED A FEW TIMES ABOUT IT DISPUTED ONLINE, NO LUCK. I JUST STUMBLE UPON THIS STATEMENT WITH THE WRONG ADDRESS ON IT. I CAN GET THAT LATE PAYMENT DELETED CORRECT, I DIDNT EVEN SEE THE CARD UNTIL XX/XX/2023 XXXX WAS LIKE XX/XX/XXXX. INACCURATE INFO HAS TO COME OFF ILL UPLOAD DOC.
Consumer complaint received 2022-11-13
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: Affirm Holdings, Inc (CA)

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 Please freeze this report and update my correct information. You guys make it nealry impossible to access my report My name is XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX My phone numbers XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached