davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (FL)

In XX/XX/2017, Specialized Loan servicing bought a loan of mine from XXXX. They claim it is a second mortgage/ Real Estate loan on my credit report and the address they continue to report as my property has not been mine for 13 or so years. This is an ongoing issue an accounting error had created issues with what was owed etc. Now in trying to purchase a home, lenders say I have to wait because I defaulted on a mortgage.
Consumer complaint received 2020-06-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (MO)

Santander Consumer USA Inc not only allowed someone else to obtain an auto loan in my name, but they REFUSE to cooperate with law enforcement or the FTC to remove the fraudulent account from my report. They are rude to me every time I call them, and one of their " fraud specialists '' told me that it was probably my fault that my identity was stolen, because people leave their wallets laying around all the time. They have made absolutely no effort to help me resolve this, all they do is lie and scam. They just agreed to pay {>= $1,000,000} in a lawsuit for subprime lending and shady lending practices. I think it's time they answer for letting people fraudulently open auto loans in other people 's names and refusing to co-operate with the law and FTC to get the accounts removed from the identity theft victim 's credit reports. Luckily, XXXX  has been great and removed the account, which is obviously fraudulent. XXXX  and XXXX  will not remove the account until Santander does their part.
Consumer complaint received 2020-01-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (GA)

I'm writing a formal complaint against NetCredit due to failure to comply with my request to receive a transaction statement. On XX/XX/2019, I sent a written request for a transaction statement to show how my payments were applied towards principal and interest. NetCredit emailed me a copy of my payment history, nothing detailed of how my payments were applied. I spoke with several representatives who advised me my balance had increased due to interest incurring daily. I had this loan with NetCredit for a year at a payment of {$160.00}, which was automatically drafted from my checking account bi-weekly. As of today, my balance due is {$7000.00}. 

NetCredit has failed to supply me with a detailed transaction statement showing me why my balance is steadily increasing and failed to provide me with a breakdown of how the interest of 59 %, came to a payment of {$160.00}. NetCredit has not been transparent about the usury interest cap allowed for non-bank lenders outside of Georgia. I have a credit score of XXXX and NetCredit, still has me at an interest rate of 59 % for a loan amount of {$6000.00} with expectations of me paying back over {$21000.00}. NetCredit interest rate is higher than 59 %, which is not allowed in Georgia, and a violation of the usury law. I was provided an amortization schedule that shows different amounts from dates I've paid through ACH. 
As a consumer, NetCredit has provided inadequate and false loan terms and provided me a negative amortization schedule knowing the loan payment was too small to cover the interest which, is adding to the unpaid principal balance. Upon my research on NetCredit, I question if NetCredit is licensed to do business legitimately in Georgia. NetCredit has geared up to perform unfair and deceptive lending practices on consumers in Georgia.
Consumer complaint received 2022-12-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (GA)

XX/XX/2022, I submitted my loan modification application to The Money Source via their web portal. On page 7 of the application there is a question, which ask the customer preferred contact method. I checked the box for email, since my cell phone was about to be disconnected. Later that night, I received a confirmation email at XXXX XXXX, which stated " Thank you for contacting Loss Mitigation, where our customers happiness is our top priority! Please accept this confirmation that your email has been received. We will work diligently to review and respond to your request within 1 business day. '' I had not received an email regarding the status of my application, in over a month. I assumed they were processing my request. 

XX/XX/2022, I received a letter from The Money Source dated XX/XX/2022 which stated they requested more documentation and that they had to receive it by XX/XX/2022 or my loss mitigation application would be closed and they would start foreclosure process/proceedings. 

XX/XX/2022 I called The Money Source customer service department and one of the agents advised me what was needed and that I had to date and sign my letter of explanation, and she stressed to me make sure you receive proof of confirmation which I did as stated in the email response I received that same day at XXXX. She also stated that I should hear something back from someone name XXXX XXXX the person working on my modification, I assume ) in 5 days. 

The following week I received numerous letters from The Money Source one of which was another application for Loss Mitigation. 

XX/XX/2022 I resubmitted my original application, letter of explanation ( I submitted to them on XX/XX/2022 ) and updated financial information to The Money Source via email ( I also included a statement in the body of my email ) in a series of 5 emails. 

XX/XX/2022, following up on my call to XXXX I checked my email and the document portal on The Money Source website. I did not see an email or any correspondence from XXXX advising me on the status of my loan modification. 

I am concerned with the lack of timely response from The Money Source. I have no confidence that they are acting in good faith to assist me in preventing my home from going into foreclosure. I have been diligent in my attempts to provide The Money Source with the reqeusted information they've ask of me.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX. Company Inquiries : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : US DEPT ED # XXXX
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. Company Inquiries : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : US DEPT ED # XXXX
Consumer complaint received 2020-01-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SOUTHWEST COLLECTION SERVICES INC. (CA)

I received a notice from Southwest Collection Service,  Inc.stating I owed {$52.00}. I called them to inquire and they said to call the XXXX XXXX XXXX, the creditor. The lab told me that " XXXX XXXX '' was done when I did my physical with my doctor 's office on XX/XX/17 and that's the amount I still owe.This was news to me because XXXX XXXX  is typically covered by my insurance. They told me to call my doctor 's office to get more clarification on what type of XXXX XXXX was ordered. When I called the doctor 's office they said they will forward my message to the billing coordinator, who still hasn't called me even after attempting to get a hold of him several times. At this point I've given up, thus my last option was to reach out to CFPB in hopes of getting a straight answer.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to express my deep concern and dissatisfaction regarding the handling of fraudulent items on my account with Credit Bureaus. Despite reporting these unauthorized transactions promptly, I am dismayed by the prolonged delay in their removal, causing undue stress and inconvenience. 

I discovered fraudulent transactions on my account statement, which were not authorized by me. Immediately upon discovery, I notified your company 's customer service department and filed a report detailing these fraudulent activities. However, I am disappointed by the lack of urgency and efficiency in resolving this matter. 

As a loyal customer, I expect timely action to rectify such issues and protect my financial interests. The continued presence of these fraudulent items not only undermines my trust in your company but also poses a significant risk to my financial security. 

I urge you to prioritize the immediate removal of these fraudulent transactions from my account and take proactive measures to prevent similar occurrences in the future. Additionally, I request transparent communication throughout the resolution process to ensure clarity and accountability. 

Failure to address this matter promptly will compel me to explore alternative avenues to protect my rights as a consumer, including but not limited to seeking assistance from regulatory authorities and legal counsel. 

I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX Balance Owed : {$4300.00} ; XXXX  XXXX Balance Owed : {$150.00} ; XXXX  XXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$260.00} ; XXXX XXXX XXXX Balance Owed XXXX {$20000.00} ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX Balance Owed : {$150.00} ; XXXX  XXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor XXXX  XXXX XXXX ) XXXX Balance Owed XXXX {$980.00} ; XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX Balance Owed : {$150.00} ; XXXX  XXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXX Balance XXXX : {$20000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-12-03
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. (NJ)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( XXXX ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association (TX)

I brought the house on XX/XX/XXXX and during the closing, an escrow account was estimated {$550.00} monthly to cover my property taxes and insurance. My loan was to HomeLoanServ./ Idaho Housing XXXX. XXXX  XXXX XXXX, ID XXXX for servicing of the loan. On XX/XX/XXXX Loan # XXXX I received an escrow disclosure statement from XX/XX/XXXX to XX/XX/XXXX showing the disbursements of escrow payment and showing in XX/XX/XXXX they paid my taxes of {$2200.00}. and they are going to recalculate my monthly payments $ XXXXand refund {$5900.00} because this would be large surplus and they can't keep it. I decided to call HomeloanServ to figure out why there was such a large surplus, and they said not to worry about it this happens all the time. I made them aware this was a new build home so the taxes will go up XXXX year so I don't think they have this worked out correctly, they basically ignore my concerns. I decided to check my property taxes with the county and notice there was two mortgage companies paying my property tax - HomeLoanServ./ Idaho Housing and XXXX XXXX. On the payment history, I notice HomeLoanServ./ Idaho Housing was refunded the property for the 2018 year. I called and asked what happen they ignore my concerns and did nothing. I called again and they did nothing. In XX/XX/XXXX I decided to follow up again on the property for XXXX and notice again my taxes were paid by HomeLoanServ./ Idaho Housing and XXXX XXXX   again and HomeLoanServ./ Idaho Housing received another refund of {$5000.00}. I contact HomeLoanServ./ Idaho Housing again and question the issues and was ignored. Eventually a lady by the name of XXXX XXXX from HomeLoanServ./ Idaho Housing contacted me in XXXX XXXX asking me if I know who XXXX XXXX   was I told her no but I also let her know I brought this HomeLoanServ./ Idaho Housing attention from XXXX and I was ignored. She started telling me I should contact freedom mortgage and figure it out. I told her no I wouldn't be doing this because I have no affiliation with XXXX XXXX  this is a new build home and HomeLoanServ./ Idaho Housing is the owner of the loan whom I make monthly payments too so they should figure it out. After months of back and forth, I was told there was an error with property information by XXXX XXXX from HomeLoanServ./ Idaho Housing . XXXX XXXX handles the taxes escrow account for HomeLoanServ./ Idaho Housing , so she should have notice this error from XXXX when she received the first refund for the XXXX taxes but she ignored it didn't do anything to fix it instead she misrepresented the information on escrow analysis that was provided on XX/XX/XXXX and recalculate my escrow in error to {$550.00} to {$370.00}. Now was are in XXXX XXXX XXXX from HomeLoanServ./ Idaho Housing wants to say I have shortage of {$6800.00} & deficiency of {$4500.00}, this will change my monthly payments to {$2300.00} of which I can't afford. Home.LoanServ./ Idaho Housing and XXXX XXXX misrepresentation and negligence will cost me my home.
Consumer complaint received 2020-06-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Service Bureau, Inc. (KS)

Yesterday XX/XX/XXXX a woman called my husband 's phone I answered as he was driving she gave her name did not say what company she was with did not give XXXX XXXX until I asked if she was going to she said this is owed being XXXX  XXXX XXXX she never verified my id by dob or ss # or my husband said she need my bank information for XXXX I declined to give info. She said we will take legal action if you do not give it to me I advised to call me on XX/XX/XXXX at XXXX. No call was received she violated fdpca rules times 3. I called in asked to speak to a supervisor was places on hold no one got on line I called at XXXX XX/XX/XXXX after find out they called my husband XXXX XXXX at XXXX  and threatened legal action again. XXXX the supervisor told me he revised tape and nothing was violated. I advised I will be make a report on the company and seeking council. Due to covod19 and off of work they should be more compassion towards debtors but they are not I want to file complaint against this company. Which they will not give there name. XXXX
Consumer complaint received 2022-12-27
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. (FL)

I have contacted Transunion Multiple times, explaining I have inquiries in my report that I haven't authorized and are violating my rights and the fair credit report act law. [ 15 U.S.C. 1681a ] ( 2 ) ( b ) the term consumer report does not include. '' any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Transunion has been answering that the inquiries have been investigated and verified without providing documents that the inquiries have been verified, violating [ 15 U.S.C. 1681a ] ( 2 ) ( e ), which states, " The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' and 1681a ] ( 2 ) ( f ) which states The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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- XXXX XXXX XXXX Account XXXX ... XXXX XXXX XXXX Account 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 XXXX XXXX XXXX XXXX XXXX-Account XXXX ALL LISTED COLLECTIONS HAVE 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 an 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 Another 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. [ 15 U.S.C. 1681 ] [ 15 U.S.C. 1681 ] ( ALSO ) ) ) ) ) EXPERIAN DOES NOT HAVE CORRECT INFORMATION REPORTED AS ( ALSO XXXX HAVE ONE ) THEY ARE THE BUREAUS OUT OF ALL OF ALL THREE BUREAUS ON MY CREDIT REPORT TO HAVE INCORECT REPORTING/FRAUD/IDENTITY THEFT. [ 15 U.S.C. 1681 ]
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MI)

On my chase amazon account, I was on autopay and had a representative call me in XXXX to set up the remainder of the payments. Fhey told me the last payment would be a partial payment in XXXX, so when the partial payment came out in XXXX, I assumed, based on the communication from the company, that the account was resolved. I had gone to stay with my elderly inlaws during covid as it was the anniversary of my husband, their son, death and wanted to make sure they were safe. A neighbor who was collecting mail told me a letter came from Chase and I tried to contact them, but because of the COVID shut down, I was not able to get hold of anyone at the time. When I returned home, I promptly called and paid the balance due in full. I spoke to multiple representatives and none of them were willing to take the delinquent reporting off of my credit statement, even though their own repepresentative had told me in XXXX that the partial payment in XXXX would take care of the full balance owed. At no time did any representatives from the company try to reach out to me, nor did I receive an email alerting me to the account status being to the contrary. I would like to request the late reporting on this account be removed due to their misinformation and not contacting me in good faith.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts/items. XXXX XXXX XXXX. Credit 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. 

I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.