davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have been trying to get a loan modification Since XX/XX/XXXX through SPS Servcing. My interest rate is XXXX percent. I own XXXX XXXX   in Ca and was forced by the Govenor during covid to close them. I requested a forebearance plan in XX/XX/XXXXduring covid. I then applied for a modification in XX/XX/XXXX. My servicing company and Investor for the loan have not made any atempts to modify my Loan and keep postponing a decision by repeatedly asking me to verify the same information over and over again. My mortgage company has said they will balloon ALL payments missed and have not made any attempts to lower my monthly payment nor give me a trial modification with a reduced interests rate. I am a single Mom and have XXXX children. XXXXXXXX XXXX XXXX. My goal is to keep my home as I continue to work to keep my XXXX in California viable during the Covid pandemic and moving forward.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Since XXXX, 2020 I've sent multiple letters as well as electronic disputes via the credit bureau 's websites disputing credit reporting that either doesn't belong to me or is reported incorrectly. 

There has been no response no response for the bureaus nor a correction!
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am sending this complaint to address a concerning issue regarding late payments reported on my credit report. Upon careful review of my credit report, I have discovered discrepancies in the reported late payments and am seeking your assistance in promptly correcting or removing these inaccuracies. 

Regarding the account with XXXX XXXX XXXX XXXXXXXX ), I wish to clarify that this account has never been late. The reported late payment is erroneous, as all payments were made on time. Data Furnisher said they were going to update it to open/never late. Please fix ASAP. 

Similarly, concerning the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) account, I want to emphasize that this account has never experienced late payments. The reported late payment is inaccurate, as payments were consistently made on time. I kindly request that the late payment markings be updated to accurately reflect my payment history, and the bank said they were going to update it to open/never late. Please update ASAP. 

Recognizing the importance of maintaining accurate credit information, I am committed to resolving this matter promptly. I kindly request your assistance in investigating and correcting these inaccuracies at your earliest convenience. Enclosed, please find supporting documentation validating my claim and providing evidence of the incorrect reporting. With your expertise, I am confident that we can rectify these discrepancies efficiently. 

I kindly request that you initiate an investigation into this matter and promptly inform me of the results. If the late payments are found to be accurate, I request an explanation of the findings. However, if they are determined to be inaccurately reported, I request immediate correction or removal from my credit report.
Consumer complaint received 2022-11-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Smith & Smith Investors LTD (SD)

I contacted this company on XX/XX/2022 through the XXXX and asked them not to contact and that they are violating several of my consumer rights. This company continues to contact via correspondence as recent as XX/XX/2022 and phone calls. See attached Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I asked In accordance with the Fair Credit Reporting act. This account 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 In accordance with the Fair Debt Collection Practices Act.
Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (CA)

on XX/XX/20 i started a fraud investigation with both parties involved Allied collection Services and XXXX due a collection account on my credit report from Allied collection services ACSI on behalf of XXXX for {$6100.00}. On XX/XX/20 XXXX the oringal debtor advised Allied to show balance as XXXX balanace due to the account was found to be fraud and open without my authorization. I have opened a identity theft case with my local police. I then called Allied twice on XX/XX/20 for status of this account, they advised account does show XXXX balance. I asked to have them remove derogatory marks and collections off my credit report due to fraud and identity theft, and that because of the collection activity on my account it has hurt my credit score. I was told by the first representative at Allied i had to contact XXXX in order to have status changed or have credit report updated for removal. I called XXXX on XX/XX/20 and was told they did notify Allied to make account XXXX balance but it's up to the agency to remove themselves from my report due to they are the ones on my report not XXXX. Second representative i spoke to at Allied on XX/XX/20 stated I would need to show proof that by having Allied on my credit reprt it's causing my credit score to be affected. I advised both representatives that since the account is now at XXXX balance I no longer owe anyone and for that reason alone they should remove the collections and negative marks from my credit reports but both representatives didn't acknowledge this information as true nor did they advise me of my rights in this case as a consumer affected by fraud. Nor did they advise me of their standards and procedures they must follow in this situation. I was basically told nothing nor given any further information, and no agreement of removal was told to me.
Consumer complaint received 2023-02-09
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. (TX)

There are inaccurate accounts on my credit reports that I have been disputing for some time now. These accounts are reporting multiple inaccuracies and inconsistencies. These accounts are reporting late payments with XXXX XXXX and a charged off auto loan with XXXX XXXX. I have brought each inconsistent item to the credit bureaus attention and they are refusing to consult a proper investigation into the issue and update my reports. If all bureaus are getting their information from the same place, how is it that they are all reporting different information. I am aware that it is illegal for any consumer reporting agency to report inaccurate information and given that the credit bureaus are in violation of this law, I am requesting that they delete these inaccurate negative accounts from my reports.
Consumer complaint received 2022-11-09
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: JPMORGAN CHASE & CO. (NC)

I have three hard Inquiries relating to JPMCB Card. Two of those inquiries were placed in the same month XX/XX/2021, and XX/XX/XXXX, XXXX do not request any credit from JPMCB at these times.
Consumer complaint received 2020-10-01
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WLCC (OH)

In XXXX of 2020 I took out a loan for {$600.00} with XXXX  XXXX XXXX XXXX and was paying it back via automatic withdrawals. I however became unemployed due to COVID and advised the loan company in XXXX i would resume payments whenever i financially could. I NEVER received any documentation after that. My employer received a garnishment request in the amount of {$1900.00} from Apex Servicing. There were no court documents filed. I never received an opportunity to dispute and or settle the debt. and when calling Apex the only options they give me is to refer to my original loan agreement which was NEVER provided by XXXX XXXX XXXX XXXX. Apex also told me the only way I could stop the garnishment was to pay the {$1900.00} in full. I have yet to receive any documentation supporting these actions, time or opportunity to dispute the garnishment and proof of court filings for the garnishment proceedings. 
TO add the original loan amount of {$600.00} HAS BEEN PAID the outrageous amount of {$1900.00} is supposedly fees and interest!
Consumer complaint received 2024-01-24
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. (MO)

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

On XX/XX/2022, Citi bank decided to close 4 of my credit cards accounts. Citi XXXX card ending with XXXX, with a credit limit of {$74000.00} and Citi XXXX preferred card ending with XXXX with a limit of {$25000.00}. My Best buy Credit card with a limit of {$38000.00} and Macy Card with a limit of {$15000.00} Approximately. I have been with Citi bank on average of 7 years. I Haven't committed any fraud or had issues pertaining to fraud with Citi bank. I have always paid my bills on time as expected and have never had any type of issues with Citi Bank whatsoever. Why my account was closed is still a sad mystery to me and I did try to reach out to Citi bank to ask why my account was closed after years of many scarifies and struggling to build a solid credit history and foundation. I called at different occasions ; nobody was willing to give me a reason why my accounts were closed, because am quite sure they had none. After weeks of relentless efforts, I got through to someone who told me to write a letter to find out why my account was closed. I wrote a letter asking why my account were closed, only to receive a letter that was vague and had no specifics. This is a big slap on my face, you are told to do everything right, and only to receive this type of slap in the face for doing the right things. This is tyranny. I don't know who else to turn to for help. They haven't given any specific reasons, and there is no just cause for taking adverse action against me, and I feel discriminated against. Under the Equal Opportunity Credit Act, a bank can't discriminate against you based on race, color, religion, nationality, gender, age, or good faith exercise of any rights. Their actions obviously are very discriminating to me, because the bank is very quick to give reasons in their letters while certain actions are taken. In a case where the bank writes a letter and can't give you specifics, or specific reasons why certain actions are taken, it's obvious this is discriminatory action taken against me. To make matters worse, I do not even know if a can open a new credit card with Citi bank, if after how many years of relentless efforts from me and they discriminate against me, how can I guarantee that this same type of discrimination wouldn't happen again to me?
Consumer complaint received 2023-03-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (MA)

purchased a product from a company. then supposedly second company bought the first. i missed two payments then the monies were taken from a different bank account that was not connected to billing without my permission. i noticed the withdrawal then contacted the company and was told my account was charged off for non payment. whereas a payment was taken from my separate bank account not even a month prior to that conversation. also this company keeps calling everyday harassing even though i repeatedly told them to stop.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Transaction history is excluded from a consumer report the IRS has accepted form 1099 c reporting account XXXX XXXX XXXX XXXX XXXX XXXX as financial gain. 
Please cease the reporting and update the balance to {$0.00} or delete this account.
Consumer complaint received 2024-06-06
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. (WI)

I wanted to try to repair my credit and take care of my credit, so I got a copy of my credit report. duties and observed several accounts that I felt needed a little more clarification. Not that they are, mind you. reporting accurately or incorrectly. It's just that I'm not entirely certain if they are. Additionally, I read something titled the According to the Fair Credit Reporting Act, I am legally entitled to contest any information that I am unsure of being true. A few of I am writing to you all because of the people who are reporting things about me that I have never heard of.Are you aware with 15 U.S.C. Sec. 1681i ( a ), which states that a consumer reporting agency must follow reasonable processes to ensure that the information regarding the person to whom the report relates is as accurate as feasible at all times while preparing a consumer report? I've heard that these accounts have to be removed if you are unable to produce proof. If these accounts are not entirely accurate and factual, then I would like them to be erased. Therefore, can you kindly look into them and come back to me? I watched this lawyer say, " You have 30 days to finish this investigation, '' on a credit site and board. If there is anything missing or incorrect from the following accounts, kindly look into them and remove them. 

ACCOUNT IN QUESTION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I'm kindly requesting verification of certain items on my credit report and would appreciate physical proof of verification. Additionally, I'm requesting a complete credit report to ensure accuracy. I'm grateful for the prompt attention and cooperation in this matter.
Consumer complaint received 2020-08-14
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: Experian Information Solutions Inc. (NJ)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MO)

Last night I got an alert that was emailed to me from citibank, saying I had an alert concerning funds availability. I tried to view the letter and could not ..so I got on the mobile app and again had no access, went to citi online same thing .It was late so I decided to call the next morning which is today XX/XX/2020. I tried to access my account online and had no access.I then called citi bank and they asked me if I had had any knowledge of a deposite made to my account ..I told them that the purpose of the online account was for my unemployment to be direct deposited and that I did fill out an application for a loan that was supposed to be deposited ..but was not sure if this alert came from that loan being deposited in my account or not because of the simple fact I was completely locked out of my account and was not given the right to view the check that was deposited .The lady then said she was going to close my account because my account was compromised. I do believe that I have the right to view any documents that pretain to my account ... and to be fairly treated. The loan would be comming from the XXXX XXXX in the amount XXXX or XXXX. I do believe I am being mistreated and harrased by the company ..I have had my account blocked numerous of times when I did nothing wrong. I have no document to upload because I have no access to my account period. I did last night online with Live chat inform the representative that I may have a loan being deposited into my account ..I am just disgusted with how bad I'm being treated. This is not the first time I have been completely locked out of my account ..this is the third time in one month. I don't know if they understand that we are in the mist of a World wide Pandemic..and to cute me off from my only resource is appauling. What happened to customer service or just the being a decent human being?? just to note..I have no documents to upload because I can not access my account at all.
Consumer complaint received 2023-01-04
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-02-09
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. (VA)

I have reached out to the bureaus about my discover card account. I was a victim of identity theft and fraud and due to this I had erroneous charges on my discover card. discover did in fact find theses charges to be fraudulent and reversed all the late payments due to the fraud see attached proof. As well as it is still marked late 30 days in oct 60 days in XXXX and 90 days in XXXX days late on these days on my credit file.and I have proof of theese charges being reversed. So there should be no reason my report still is showing this negative information. 
But account states paid as Agreed.
Consumer complaint received 2022-11-09
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. (NC)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of XXXX XXXX XXXX XXXX which is impacting my ability to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXXXX 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 Balance : {$310.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX.