davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

Approximately 3-4 months ago, I contacted my mortgage servicing company, Specialized Loan Servicing about a legal description change on my property and a partial release of deed of trust. I contacted them several times and were given several conflicting answers not only on facts of what needed to be done to solve my issue, but also in how they operate. When my phone calls got difficult where I was inquiring and asking why I was told wrong, the call would some how be disconnected and you would have to dial in again. This happened on at least 6 occasions ( and as I am typing and waiting for a person in the Executive Services department, it just happened again! ) They advised me that for a legal description change I needed to contact the investor on my mortgage. I had to write a letter to SLS requesting the information and then contacted XXXX XXXX. XXXX XXXX advised me they do n't handle legal descriptions and when I told them I had already spent over 2 months with no resolve with SLS, they offered to assist me. XXXX XXXX has now been working the case for over 6 weeks and also does n't have resolution. So today I decided to call SLS to get a status. As I just mentioned, I was routed to 4 departments and spent over 40 minutes on the phone and just got connected to a LEVEL 3 representative who told me to hold while he researched my situation and, once again, after a couple of minutes the call was disconnected. I have always called in from a land line so either they are having consistently large phone issues or this is a tactic for their call center reps to just get you off the phone because they do n't know how to help you. I am holding up a large community project with the XXXX XXXX XXXX because SLS is not working with me to provide me the information needed to finalize my piece of the project with the City. I am writing you because I have never had such extremely poor customer service phone issues along with such horrendous accuracy issues with a financial institution. You can barely get a supervisor on the phone and EVERY question needs to be answered by a call center rep who can not even view your information. They will never let you talk to a person in the back office who is working directly on your case. Just to help provide a comparison, I recently worked with an elderly neighbor to conduct the same task with his mortgage company and it was solved in 4 weeks. I am sitting at close to 4 months with no resolution and need a manager to reach out to me to get this done. It is hard to believe that a company with these practices can stay in business. Please HELP!
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My personal information on my Transunion credit report is inaccurate. This is my second request to have incorrect addresses and names corrected on my report. This is a violation of my consumer protection rights.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

ON XXXX/XXXX/2020 I have called XXXX, EXPERIAN AND XXXX  SEVERAL TIMES AND REQUESTED THAT ALL FRAUD ALERTS BE REMOVED AND ALSO TO UPDATE MY PERSONAL INFORMATION MY DATE OF BIRTH IS INCORRECT ON MY CREDIT PROFILE
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate.

This is false because there are a number of inaccuracies on my consumer report that still remain. 

XXXX. I am disputing this account for inaccurate information because XXXX is reporting a monthly payment on a charged-off account. Now, it is to my knowledge that a charged-off account is an account that has already been closed by the original creditor so how is it that a closed account can have a monthly payment? This is misleading as it makes it looks like I made payment arrangements with the creditor which is not the case. 
XXXX XXXX  Account Number : XXXX XXXX. XXXX is reporting the date of the last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and Experian is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 
XXXX XXXX Account XXXX : XXXX XXXX. This account has been deleted from XXXX but somehow it is still being reported by Experian. I am aware that 15 USC 1681i states that if an item is deemed to be inaccurate or incomplete, then, the credit reporting agency shall delete it and notify the data furnisher and creditor. If XXXX notified you and the data furnisher that it was inaccurate and incomplete, how are you still reporting this information? 
XXXX XXXX XXXX Account Number : XXXX XXXX. Provide me with the date of delinquency that the creditor has provided to you. I am of the belief that the date of delinquency is incorrect and needs to be removed if you can not provide it. 
XXXX XXXX Account Number : XXXX I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.
Consumer complaint received 2022-10-05
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. (OH)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly
Consumer complaint received 2020-01-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (NJ)

I received no phone calls nor any letters with proof of myself being the owner of the original card, all I received was a legal notice stating I was being sued for an amount of {$1000.00} on XX/XX/2019. 
I responded immediately via email to LVNV Funding ( resurgent ) asking for proof and have not received anything. I then mailed a letter to the lawfirm suing me again asking for proof on XX/XX/2019. Still nothing, however a pending lawsuit over my head being that I am a federal law enforcement officer is something I do not need since I have never had a credit card with a limit of {$1000.00} for over 20 years and especially not with this original creditor. 
I do know this company is being sued in a class action suit for fraud so I want these criminals stopped.
Consumer complaint received 2022-10-05
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. (FL)

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character 1. This is not mine. I am a victim of ID Theft and I have included a police report. 
Please investigate and remove from my credit report. 
XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2020-06-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: E*TRADE BANK (MI)

Had a Home Equity Loans through XXXX, on XXXX, recorded with the XXXX County Register of Deeds under Liber 3075, Page 904 that was transferred to E*Trade Bank under account number XXXX. I paid this loan off with check number XXXX on XX/XX/XXXX ( see attached copies ). To Date, this loan was never sent to the XXXX County Register of Deeds  as being paid off. I have been trying to get this information recorded since XXXX and continually am being told it was transferred to XXXX XXXX. It was not as I have the documentation showing I paid it off. There was a different XXXX Home Equity Loan that had gone to XXXX XXXX and was recorded as released to the XXXX County Register of Deeds. I have contacted E*Trade about this problem and was told that it was sold to XXXX XXXX XXXX again ... it was not or I wouldn't have the documentation showing my check information and subsequent bills from E*Trade Bank showing my balance is " XXXX '', not that it was transferred to anyone else. I am submitting copies of my documentation showing I was the one that paid it off through E*Trade Bank on XX/XX/XXXX. The response they sent me in XX/XX/XXXX is for a different Liber and Page number for a different loan, not the one under Liber 3075 Page 904 that still shows outstanding. Both HELOC loans I had were paid off, one by MERS and XXXX XXXX under Liber 3428 Page 169 and one by me under Liber 3075 Page 904.
Consumer complaint received 2020-06-10
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

Hello and Thank you for review my complaint, As of early XX/XX/2020 we were sent a collection stating that we owed a balence of about {$12.00} grand to XXXX XXXX XXXX, this notice was sent from IQ data international. We had contacted to Comapny asking why it is this amount when the apartment agreed to do rent responsibility till someone had moved in we would be notified and ask for a payment. Instead they had sent it to collection with out notifying me till late of XX/XX/2020. We sent the revision to the collection company and they did not adjust the price till XX/XX/2020. During this time XXXX we tried working with them explain I am unemployed living off my fiance at the times income. I explained to Iqdata that we had left because I was being harrassed by a tenet who was selling drugs in front of our gate where our apartment was right in front of. While ontop of that, the gate was always broken even though we were suppose to be in a gated community because this XXXX had always opened Manually breaking the gate. The apartment had verbally told me that they would address this and contact legal, I've never heard back. Complaints were repeatedly made to the office and the police. I had told the iqdatatech, I was scared because I wish not to be XXXX again, the tech responded " that's your fault ''. So, as you can understand I yelled back ; being told it is my fault for being XXXX is 100 % wrong. The next day I had apologized tell her I am stress, suffering from XXXX XXXX, XXXX, and XXXX. To avoid further issues my fiance at the time, now husband, XXXX XXXX had called to try arrange a affordable arrangement, they disagreed and told him we now have a vendetta against you and will make your lives difficult. Then our 3 lease signers XXXX XXXX had contacted them to make arrangements and they told her if she had paid XXXX grand and the other lease signers again XXXX, XXXX, and XXXX XXXX agree they will take her off the lease. Which we wrote a letter agreeing with our signatures. She called and ask to start th ed process and they told her " No.Why would we, when you have the highest score? '' She asked for other options and they had screamed at her saying " that the have a vendetta ''. We sent another letter asking for a payment arrangement again explaining we are now affected by XXXX and furloughed from the district XXXX and XXXX. They contacted us again and only asked us to pay, and we asked did you receive our letter and they responded " yes, that's why we changed it to the revision the apartments made ''. This company has been rude, had lied, and had went ahead and added the collection and diluquent on our credit score after stating we were affected by XXXX they put it on our score. As the law stated during pandemic they are not allowing collections to be added to scores.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: M1 Holdings Inc. (CA)

M1 Finance is holding my money hostage unless I pay a ransom to leave the platform. I currently have only about {$100.00} in my XXXX XXXX  on their platform. They are refusing to transfer it and denying other companies to withdraw the money given I don '' t have enough to cover their $ XXXX fees to leave the platform. 

They are effectively holding my money ransom and have been stalling for weeks so they can implement their Monthly charge to effectively absorb my account. 

What they are doing should be illegal. I imagine this post will likely get deleted like others on this subreddit but I hope I can possibly help others out by letting them know.

The most ironic thing is I have two close family members who have $ XXXX and $ XXXX with them and they were both bribed to stay- they were offered {$250.00} to keep their accounts with M1 and yet I am getting charges $ XXXX to leave.
Consumer complaint received 2022-12-27
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. (AR)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There's FRAUDULENT ACCOUNTS and addresses on my consumer report which I've reported a number of times, AND they have yet to be removed. I've never lived at XXXX XXXX XXXX XXXX XXXX TX XXXX. You, XXXX, TRANSUNION, and XXXX are all in VIOLATION of my rights. Because you have reported FRAUDULENT information to my consumer report, my life had been in shambles... So please remove the address listed ABOVE from my consumer report.
Consumer complaint received 2023-06-28
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. (GA)

This account is reporting on my credit as late/missed payments when it was obviously fraudulent transactions on my account. XXXX XXXX investigated and helped me through the process by clearing the BALANCE due to fraudulent activity. XXXX XXXX XXXX XXXX did NOT CORRECT the delinquency of payments on the account that was NOT connected to me!
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 — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

A Method of Verification letter was mailed certified to Equifax XX/XX/2020 requesting them to verify the inaccurate bankruptcy they have listed in my credit report. The letter was delivered to Exquifax on XX/XX/2020. They replied and said verified without providing me their method of verification as I requested. I mailed a 2nd certified letter to Equifax XX/XX/2020 requesting them to delete the inaccurate bankruptcy and have not received a response. Equifax has not provided me any information on who or how this inaccurate bankruptcy was verified to be my record.
Consumer complaint received 2020-01-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

XXXX XXXX tried to collect for a debt from XX/XX/2011. The debt was sent to Midwest Recovery. This account is too old to be reported, and it is also not my account. I recieved no communication from Midwest Recovery on it. They put the info on my credit report.
Consumer complaint received 2022-10-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reviewed my Transunion Credit report and noticed my score dropped XXXX points. There is not apparent reason and they could not give m any. My utilization is 28 % and my balances were reduced. Just would like to know why.
Consumer complaint received 2024-04-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (VA)

In XXXX of 2023 Credit Control Corporation reported to the credit bureaus that I owe them {$700.00}. I've sent a letter to them asking them to validate the debt, if not, remove the inaccurate information from all 3 credit bureaus. Here is what was sent to them : You never provided me proof of validation that I have ever owed a debt to Credit Control Corporation. Furthermore, where is the agreement between you and the original creditor? I also would like for Credit Control Corporation to provide me with a signed contract that I have in agreement with Credit Control Corporation that states that I owe Credit Control Corporation the amount requested.
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. (IA)

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. ailure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX, RI XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>.
Consumer complaint received 2023-06-28
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. (OH)

XXXX XXXX XXXX XXXX XX/XX/2022 Filling a collection under my name. 

i do not know who XXXXXXXX XXXX XXXXXXXX is nor have i ever done business with them or been lent any my by this agency for me to owe such debt nor do I agree with this debt on my report as I never signed anything. 

1006.18 False, deceptive, or misleading representations or means.
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MA)

I was online looking to book a hotel. The cost was to high so I closed out the site. I then received a charge on my acct. I called synchrony bank on XX/XX/24 to dispute to charge and they wont refund me. Ive called multiple time over the last 3 months Ive been hung up on etc. I dont know what to do. 

The amount is XXXX.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I AM WRITING TO YOU FOR THE FOURTH TIME TO ADDRESS THE ONGOING ISSUE OF A BANKRUPTCY ENTRY ON MY CREDIT REPORT, WHICH I BELIEVE VIOLATES MY RIGHTS UNDER US CODES 1681C AND 605B. DESPITE MY REPEATED ATTEMPTS TO RESOLVE THIS MATTER THROUGH MY PREVIOUS THREE LETTERS DATED ( XX/XX/XXXX  ), ( XX/XX/XXXX  ) ( XX/XX/XXXX  ) I HAVE NOT RECEIVED ANY ACKNOWLEDGMENT OR CONFIRMATION OF THE REMOVAL OF THIS UNJUST BANKRUPTCY ENTRY. 
BANKRUPTCY INFORMATION : XXXX, XXXX THE CONTINUED PRESENCE OF THIS BANKRUPTCY ENTRY ON MY CREDIT REPORT IS CAUSING SIGNIFICANT HARM TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. YOUR INACTION IN RESOLVING THIS MATTER IS UNACCEPTABLE. 
ENTION TO THIS CRITICAL MATTER.