davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

On XX/XX/2021 I received notice from XXXX Mortgage Servicing that my mortgage was being transferred to Specialized Loan Servicing LLC ( SLS ), XXXX, CA as of XX/XX/2021. Unfortunately I had already made a partial ( bi-weekly ) payment of {$3000.00} to XXXX for my XXXX payment. I have been told by SLS representatives that my mortgage information has been completely received from Shellpoint since XX/XX/2021 ; however, I am still unable to access my loan account via their management portal and unable to setup automated payments. 

I am being told the partial payment can not be applied to my account until a full payment is made. I have already made the other payment of {$3000.00} via my XXXX account but SLS is stating that, that is unacceptable that I must pay them directly via the phone. As I am unable to access my account and would have no proof of payment, I am unwilling to make a payment that can be lost or inappropriately applied. Additionally I have been told that I can not make bi-weekly payments unless I do it through SLS ; but, again, I can't even set that up as I have no access to my account. 

I have spoken with different representatives numerous times but am unable to get the same person so I am forced to start all over again and the issue is never resolved. I have been told it will take any where from days to weeks to get this resolved. When asked to speak with a manager or supervisor, I am flatly refused. I have been threatened that I will get late payments on my financial record even though the transfer is protected federally for 60 days. That being stated it has already been 18 days with no resolution. 

Please help me resolve this issue
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.
Consumer complaint received 2021-07-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (MN)

Hello, Thank you for taking the time to read my complaint. I am requesting my credit score along with co-signer, XXXX XXXX, to go back to normal as there was an oversight with my auto loan. 
I took out a 6-year auto loan with TD Auto in XX/XX/XXXX. I registered for automatic payments however, the last payment was not withdrawn because it was a different amount then I had been paying each month ( XX/XX/XXXX payment ). TD Auto tried to contact me but were sending letters to my previous address ( we moved in XX/XX/XXXX ). These were not forwarded to my new address and I did not receive phone calls regarding the matter. Over time, my loan was sold to a debt collector, XXXX whom Ive been in contact with to resolve the issue. 
I paid the overdue amount in full ( {$390.00} ) the day I found out about the oversight ( XX/XX/XXXX ). 
Please see this as a miscommunication and consider fixing our credit scores. 
Thank you for your time. 
Sincerely, XXXX and XXXX XXXX
Consumer complaint received 2021-08-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BTH Management (WI)

on XX/XX/XXXX I could no longer afford the monthly payment I called and they refused to work with me at any level. They harassed me by phone and emails they called at least 6-7 times a day and approxmentaly 7-8 emails a day if not more. On XX/XX/XXXX I gave them a cease and desist letter which they have ignored. on XX/XX/XXXX they turned this account over to XXXX XXXX XXXX XXXX in new York I gave them a copy of the cease and desist letter and warned them of what could happen and now they gave my information to XXXX XXXX XXXXXXXX they continue to ignore the cease and desist letter I wrote another cease and desist letter XX/XX/XXXX warning them of the legal ratifications I will take.
Consumer complaint received 2021-07-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (PA)

I received an unemployment benefit card that I did not request. It is a U.S. Bank ReliaCard. 

I suspect someone is using my identification to fraudulently claim unemployment compensation. 

I am alerting you so that action can be taken to prevent payment.
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

N

otice for Proof of Claim : I was looking into doing a loan for my business and discovered that I was a victim of fraud. Someone has been using my ID the accounts listed were never opened by me. SOUTHWEST CREDIT SYSTEMS, L.P.
# XXXX I have filed a complaint with the CFPB and FTC report as well. 

There are some addresses on my credit report that I do not recognize never lived at these addresses before.Please delete the following addresses :
Consumer complaint received 2021-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX to Please block, remove or delete this information pursuant to section FCRA 611. XXXX is the reason why this has happened!
Consumer complaint received 2021-07-25
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (NC)

Hello I have never had a credit WITH LVNV Funding, XXXX XXXX  XXXX, and XXXX XXXX. I will like for them to show me documents proving that I have signed up for this credit with my signature. If not which they want have because I have never been with any of these companies.I want removed off my credit asap.LVNV funding and XXXX XXXX  XXXX was removed off my credit report and for some reason they were added back on my credit. I never had credit them and want removed for it is causing my credit score/ report to look bad. 

Thank you
Consumer complaint received 2021-07-30
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. (FL)

I have been disputing these account with XXXX XXXX and Equifax for over a year now and they still have not been resolved. This is affecting my life terribly. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Company XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$3200.00} Company XXXX  XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX on XX/XX/XXXX {$2200.00} Company XXXX XXXX XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$7900.00} Company XXXX XXXX XXXX Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Credit Card Balance on XX/XX/XXXX {$8200.00} Company XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Balance on XX/XX/XXXX {$2000.00}
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been disputing these account with XXXX, Transunion and XXXX  for over a year now and they still have not been resolved. This is affecting my life terribly. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Company XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$3200.00} Company XXXX  XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$2200.00} Company XXXX XXXX XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$7900.00} Company XXXX XXXX XXXX Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Credit Card Balance on XX/XX/XXXX {$8200.00} Company XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Balance on XX/XX/XXXX {$2000.00}
Consumer complaint received 2021-04-20
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. (CA)

There are 7 accounts on my credit report that do not belong to me I have been trying to contact the bureaus by mail or phone regarding this since XX/XX/2020 and they have done absolutely nothing about this I need this taken care if because it is affecting me in a negative way and these are not my accounts I should not be wasting my daily time to write letters open FTC and other reports to prove they are not mine. 

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account
Consumer complaint received 2021-07-25
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. (MS)

I had a XXXX XXXX XXXX some years ago with Creditor XXXX/XXXX. This account was closed a couple of years ago. They reported me living at an incorrect address of XXXX XXXX XXXX XXXX XXXX, NY XXXX and I have never lived in New York. When I googled this address, this is showing as the address to a company called XXXX XXXX XXXX.
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (MS)

On XX/XX/XXXX, per Monterrey collections, someone opened an account using my email and debit card with a company called XXXX XXXX XXXX, XXXX. My debit card was charged {$160.00} which caught my eye. I contacted the company and was met with a rude agent that refused to give me any information. I informed the company this was not my account and to cancel the services. They said they have a 3 day cancellation policy and that I was liable for their services although no services were rendered to me and they refuse to send me what services or documentation I should be paying for. On XX/XX/XXXX, I was informed my account was in collections and that I had to pay. Again I requested information on the services that should have been afforded to me that I owed. To no avail, I was dismissed and harrassed daily. I asked not to be contacted by the company and they reported this account to the credit bureau and added additional fees. I reported this to my local authorities and sent them the police report. They told me I was responsible and they had nothing to say to me. I would like to report this consumer as a bully and trying to steal money from hard working people. I asked that they removed this account from my credit report and I would like to report them CFPB and publish my statement on consumerfinance.gov so that others would hopefully not be bullied by this company.
Consumer complaint received 2019-02-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (GA)

On XX/XX/2018 I attending a closing at the XXXX XXXX XXXX, XXXX XXXX offices to complete the sale of my property at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The firm was provided a payoff letter from the mortgage holder Mr. Cooper ( formerly Nationstar Mortgage ) created on XX/XX/2018 and good through XX/XX/2018. XXXX XXXX XXXX " cut a check '' ( actually prepared a wire transfer ) for Mr. Cooper in the amount stated on the document ( {$100000.00} ). I also had previously been in touch with Mr. Cooper, apprising them of my decision to sell the property. Mr. Cooper followed through with the foreclosure on the basis of a short payoff they said occurred because of a disbursement not listed on the payoff letter. Mr. Cooper now refuses to grant the release of the property while continuing to charge me for the monthly mortgage ( I haven't lived in the property since the closing ), as well as charging me for late fees, legal fees, and other charges. 

At the time I'm making this complaint, I'm also sending Mr. Cooper a demand that they rescind the late fees and other charges. 

Mr. Cooper made no attempt to contact me through e-mail, and terminated my online access to the account. I wouldn't be aware of the current situation had I not contacted Mr. Cooper of my own volition. 

The loan number from Mr. Cooper is XXXX. 

Thank you.
Consumer complaint received 2021-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have three hard credit pulls on one day ( XX/XX/2021 ) that were not me. 
I called one of the numbers listed for XXXX XXXX  and its a mortgage line no longer in use. 
XXXX XXXX also was listed and they didn't have me in their system when I called them. 
XXXX XXXX XXXX  was listed on the inquiry too. 

None of these inquiries are from me. 

They were all done in my former married name ( XXXX ).
Consumer complaint received 2021-04-20
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)

I am submitting this complaint because Equifax has not completed an investigation or have failed to communicate back any status of an investigation with me since my dispute submission. On XX/XX/XXXX I sent a letter disputing inaccurate items found my credit report as well as a notarized id letter my driver license and bank statement. I never havent heard anything at all from XXXX. I understand with covid things may be a little backed up, but we are now over 40 days since my request, and I havent heard a thing. I even sent a Follow up letter on XX/XX/XXXX. I am now involving the CFPB because it now seems you are neglecting a dispute and is against the FCRA. You had legally required time of 30 days. I submitted a CFPB response on XX/XX/XXXX and received a response on XXXX saying a investigation is being completed. this is taking to long Please deleted these inaccurate items from my report. Attached is a copy of everything I have sent as well.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

When applying for credit I was informed of information on my report from several creditors that are reporting inaccurately. This information is inaccurate because the last date of activity is not correct. I disputed this information with the credit bureaus and the information remained even though it is inaccurate. The last date of activity has been re-aged on several old debts.

I have listed the debts below in which the re-aging occurred.

XXXX XXXX - {$860.00}, last day of activity XX/XX/XXXX XXXX XXXX - {$480.00}, last day of activity XX/XX/XXXX XXXX XXXX  - {$450.00}, last day of activity XX/XX/XXXX XXXX Unknown account XXXX - {$2200.00} last day of activity XX/XX/XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX XXXX XXXX - {$890.00} - open date listed as XX/XX/XXXX but was opened in XXXX, last day of activity was in XXXX. This was previously a XXXX account. I returned the phone before I went to XXXX XXXX XXXX. 

XXXX XXXX - Duplicate, original creditor was XXXX, last date of activity was XX/XX/XXXX. 

Capital One {$480.00} the account was opened in XXXX. The last date of activity was XX/XX/XXXX. 

XXXX {$280.00} account was opened in XX/XX/XXXX. The last day of activity was XX/XX/XXXX. 

The re-aging of these old debts has caused me harm and has impacted my future in negative ways.
Consumer complaint received 2021-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TN)

ERC has placed a collection on my credit profiles claiming that I owe {$540.00} to XXXX Ive never had services with XXXX I have reached out to this company 3 times ( I have certified USPS proof of delivery to them in which Im sending via the CFPB portal ) and they have yet to respond. They are unable to verify this because the debt does not belong to me. They are clearly not even attempting to resolve this issue.
Consumer complaint received 2021-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

Not a duplicate. Additional new relevant information. I am an individual. This was prepaid by me, and not a third party. 

Discover : You have been notified about an ftc Id theft report. You were provided the report number. It would seem as though I never attached the document. Attached you will find the theft report along with the ftc guidelines as to how you are required to respond. 

When the account was opened there was an fraud alert on my account. You failed to take the nessisary steps to require the person opening the account provide you with unique identification. 

Upon requesting that you provide me with what unique identification you used to identify that it was me opening the account, you were not able to provide any. This account was opened fraudulently. 

You have said that you refuse to respond to any complaints that do not have new relevant information, while ignoring the fact that the account was opened fraudulently without unique identify information, which is required when there is a fraud alert on the credit file. Had you taken the steps to prevent fraud as was requested, then we would not be where we are today. 

You have been notified by XXXX  that this account was the result of identity theft. Per the ftc once notified that there is fraud/identity theft by any cra, you are no longer allowed to report that information to any of the cra 's. That includes all places you are reporting. 

You violated my rights when you did not head the fraud alert, you violated my rights when you reported it. You are continuing to violate my rights by conspiring with the two  remaining cra to not accept the Id theft report. You are suggesting that you will violate my rights by not responding to complaints recieved through the CFPB. You violated my rights by continuing to report the fraudulent account after being notified by transunion that it was the result of identity theft. You violated my rights by continuing to report after having been given a copy of the idtheft report number. And I am very certain there are additional rights you violated, like refusing to return my phone calls after a request for a call back was recieved. ( Yes, you actually responded that you recieved my voicemails more than once, and you decided you do not have to respond, despite the fact that ftc guidelines say otherwise. XXXX  ) Stop all of it now.
Consumer complaint received 2023-04-01
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. (PA)

The credit bureaus keep disrespecting the laws, i showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to the 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681i ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate I can go on and on The credit bureaus have no respect for the laws Someone needs to hold them accountable for this
Consumer complaint received 2021-07-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

i check my credit report on XX/XX/2021 and notice IC SYSTEMS, INC had a alleged balance of XXXX for me that i do not owe so i responded with a letter of validity of debt for them to send me the information concerning this information.