davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

The servicer of my loan is Specialized Loan Servicing LLC. I have been trying to get a loan modification from SLS since XX/XX/XXXX. SLS denied our application outright. On XX/XX/XXXX, SLS recorded a Notice of Default. I applied again for a loan modification with updated income information. 
On XX/XX/XXXX, SLS offered me a loan modification at 9.45 % interest with payments of {$2100.00} a month. This is a second loan on top of my first loan, so there is no way I can make these payments. On XX/XX/XXXX, I sent SLS a letter saying the payments they proposed were impossible, but I could make payments of around {$500.00} a month. I have not heard back from them. I am worried they are going to foreclose on my house.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

on XX/XX/2022 I submitted the following letters to the following credit reporting agencies and as of XX/XX/2022 they have not updated the information and are therefore in violation of the the USC 15 1681 law by not reporting accurate information. I requested that they provide an investigation and to update the inaccuracies in reporting including deleting all fraudlent activity that is a result of being a victim of Identity theft. There inaccuracy in reporting is attached with the credit report dated XXXX without the updates that was listed on letter dated XX/XX/XXXX. XXXX. A clear violation of the fair and credit reporting act and causing me to severe distress and inability to acquire and obtain credit. I appreciate to receive updated and accurate reporting on a new credit report from both XXXX and Equifax reflecting the corrected and accurate reporting because they are in clear violation and as a consumer I will be seeking litigation if they continue to report false information.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

yes Experian has been denying my identity for 24 years I have been denied employment, housing, creditcards, i have had it hard allways trying to pay with cash because they has allways denied my identity as of today my unemployment is on hold because of my identity and its 2 days before XXXX and my XXXX don't have anything my money is jus sitting there.experian allowed me to make an account with them I use my ss number and it went thru but on my file it doesn't exist they have a different number my real number is no where on the account I call them Monday explan my case I was direted to the dispute department and was told it will e fix in 24-48 hours but it was fix in 30 min I ask can I speak to a superviser because who can make a mistake like this and I was denied no apology or anything.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 
XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-18
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. (WA)

In Accordance with the Fair Credit Reporting Act. The following accounts have violated my rights. 1. XXXX XXXX 2. XXXX XXXX 3.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 I XXXX XXXX, never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity theft. A copy of the law is attached to this dispute. They also do not have any permissible purpose to furnish my personal information to any third party. Permissible Purpose : 15 U.S. Code 1681b Permissible purpose of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding deletion of the following accounts.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I have made two orders to Saks.com one on XX/XX/XXXX and another on XX/XX/XXXX. I received emails stating there was an issue and I would need to reorder the items. When I called customer service for Saks I was told the charges were declined by the card issuer. I called The issuer and was told the charges were pending and had been approved. Customer service confirmed the account was open and in good standing with adequate credit available for the purchase. Neither the bank or Saks could tell me why the transactions were not going through. I would like to know the problem so it can be resolved and I can use the card without associated issues. Thanks
Consumer complaint received 2022-04-18
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. (MS)

XXXX XXXX XXXX  sent a final statement in the amount of {$1200.00} with a due date of XX/XX/22. I was unprepared to pay the amount, as my normal payment is {$350.00}. However, I received a deferment due to COVID-19 hardship and was informed that the final payment was higher because it included those two months rather than the number of months being extended as I initially thought when I requested the deferment. Given the surprise increased payment, I could only afford to make my normal payment that month ( XXXX ). The remainder amount ( {$860.00} ) was paid on XX/XX/22, which was a Sunday. Unfortunately, XXXX XXXX XXXX  payment cutoff time is XXXX XXXX  Monday-Friday ; therefore, they do not process payments on the weekend, which is when the due date would have been for being considered 30 days late. The following Monday ( XXXX ) was also XXXX XXXX and XXXX XXXX XXXX  does not process payments on holidays. Therefore, the payment was not processed and posted until the XXXX. Given that XXXX XXXX XXXX  offers no method for receiving/processing payment on weekends ( which would have been the due date for being considered 30 days late ) and given that they were also closed the following Monday for payment receipt/processing, I do not believe that my payment should be considered 30 days late for any purpose, including credit reporting purposes. According to Regulation Z, Part 1026, the creditor may generally not treat a payment received the next business day as late for any purpose when the creditor does not receive or accept payments on the due date.
Consumer complaint received 2019-06-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

On XX/XX/2019 at XXXX Eastern Time I received a text from XXXX indicating that my SIM card was changed. I proceeded to find a public phone to call XXXX immediately and suspend the line at around XXXX. 

By that time it was too late, and the perpetrator was able to gain access to my XXXX ( XXXX ) reset the password and utilize that to gain access to my Coinbase account. 

I had around 4-5000 USD worth of BTC in the account at the time, and the perpetrator continue to purchase additional coins inside my account. 

Access to Coinbase and they are not responding to my active ticket inquiry.
Consumer complaint received 2022-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (AL)

I have been sick for some time now and people were in and out of my home and had access to a lot of my personal information. My health took a huge turn around and I noticed all these collections coming in the mail and checking my credit. I disputed this and uploaded an identity theft report from the government website and this company convergent continues to harass me. They sent some type of bill with an amount saying that verifies its me. I DID NOT OPEN THIS ACCOUNT ITS FRAUD
Consumer complaint received 2021-02-19
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: CCS Financial Services, Inc. (PA)

On XX/XX/XXXX, CREDIT COLLECTION SERVIC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDIT COLLECTION SERVIC has violated my rights as a consumer and I requesting legal action Please remove collection from my credit reports.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OR)

An erroneous collection was added to my report dropping my score XXXX points. I had already paid the original creditor and the collection agency agreed to delete the error however after the deletion my score still reflects the XXXX drop. None of the bureaus have a dispute score option, so I mailed letters with a copy of my drivers license and identifying details. They replied back stating the letters didn't appear to come from me. I have no idea how to get my score corrected and I would appreciate any help you can provide. 
Kindest regards.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (NY)

In XX/XX/2019,

Seterus transferred my mortgage account to another lender. It reported to credit agencies that the account was closed. Seterus did not indicate that it closed the account because its OWN DECISION.

And Seterus did not report that account was in good standing which it was.
Consumer complaint received 2023-08-15
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: Credit Consulting Services, Inc. (CA)

In accordance with the fair reporting act this creditor has violated my rights, under 1581 section 602 states I have the right to privacy.Section 1581 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15usc166B a credit can not treat a payment on a credit card under an open consumer credit plan late for any purpose.
Consumer complaint received 2023-06-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent over a factual dispute letter on XX/XX/2023 and keep getting information is verified and accurate when being disputed through all three credit bureaus. There are several inaccuracies being reported which is affecting my credit severely. Multiple violations against FCRA.
Consumer complaint received 2022-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and XXXX XXXX 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
Consumer complaint received 2022-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IN)

This is a phone bill racked up by my ex wife using my name on a XXXX account, I do not or have not had a XXXX account in many years and especially not in the time frame of this bill, I have disputed and won against this same debt before. The debt was proven in divorce court to be the responsibility of my ex wife and should not reflect on my credit report
Consumer complaint received 2022-04-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUHOME SOLUTIONS, LLC (OK)

Hello- I am trying to catch up on my mortgage payments. TruHome Solutions are refusing to let me pay my XXXX XXXX. I told them that I could make that payment today and make the XXXX payment once I talked to my insurance company about the increase in my escrow account. 

They told me they would only take a payment if it was 2 payments even if that meant me falling behind even more. I asked several time over the phone to please let me make a payment and he refused. I started recording the conversation after we got into an argument over him refusing to let me make my XXXX payment. Allowing me to make this payment will bring me more current. I will make the XXXX payment this week once I speak to the insurance company. Making these payments will prevent me from going into foreclosure. 

I expressed all of this to XXXX XXXX and I have a recording of the end of the conversation with him refusing to let me make the payment. The recording is being attached to this email. 

Here is the contact information below : XXXX XXXX Loss Mitigation XXXX XXXX TruHome Solutions , LLC XXXX : XXXX XXXX XXXX  XXXX : XXXXXXXX XXXX XXXX
Consumer complaint received 2022-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (TX)

This debt collection agency has been contacting me since XXXX with mail being sent to my house and calls every single week since. In XXXX i paid them for the collection i owed on the medical debt. Then in XXXX they added another charge, then in XXXX they added another charge with amounts higher then what i actually owed the hospital ( {$200.00} ). As of right now they have added two accounts of medical debt to my credit report and i think they are about to add a third. They have harassed me non stop and keep on adding debt. I received another call today where I told them to stop harassing me and said its against the law and the lady on the phone said no its not. I just want this debt cleared and off of my credit
Consumer complaint received 2019-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have spent months and thousands of dollars trying to fix my credit, some due to fraudulent activity or identity theft! I paid and have all my records but transition refuses to clear my credit and good name. I have contacted them in numerous occasions but to no avail. I am beyond frustrated and disappointed!
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2022-04-18
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. (PA)

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX/ $ XXXX XX/XX/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 XXXXXXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-04-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (IL)

In XXXX, I rented a room at XXXX XXXX XXXX, XXXX IL XXXX from XXXX XXXX. 
I paid her a deposit of {$600.00}, and she opened a savings account in my name at Chase Bank, Account # XXXX. 
In XXXX, I moved, and XXXX XXXX gave me a check for my deposit in full, but she forgot to close the savings account. I continued to receive mail from the bank about the account. I tried to close the account and get her money so I could give it back, but the bank refused to give me the money or close the account. 
XXXX XXXX sent me a letter telling me that she did close the account, after I informed her of this situation. 
After that I continued to receive mail from the bank telling me that the account was still open. I attempted, several times to close the account, but the bank refuses to close the account, or provide me with a letter stating that the account is closed. 
Their final answer is that they refuse to close the account or provide me with a letter stating that the account is closed. 
I do not pretend to know what corrupt purpose is served by maintaining an account with my name on it which I can not access or close. 
Perhaps the bank needs to be fined in order to get the attention of the person who can provide written proof to me that the account is closed. Otherwise they refuse, and it does not seem like it could be legal to maintain an account in my name against my will.