davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Dear Sir or Madam Under 1024.36 Requests for Information, I am hereby writing to you to request specific itemized recorded information about the accounting and servicing of the mortgage and of my need for understanding and clarification of various charges, transactions, actions, payments, analyses and records related to the servicing of my loan of attorney fees as it relates to XXXX XXXX XXXX XXXX. 

I am disputing the validity of the corporate advance debt you claim that is owed for attorney fees. To independently validate this debt, I need an itemized breakdown of the services performed linked to the monies disbursed ( see attachment ) XX/XX/XXXX to XX/XX/XXXX. 

I also request that you conduct your own investigation and audit of XXXX XXXX and XXXX XXXX account whether the attorney fees has been deemed reasonable based on the services rendered. I need to ensure that the attorney fees disbursed to XXXX XXXX XXXX XXXX in the amount of {$11.00}, XXXX based on the work performed is accurate to the XXXX. Please do not rely on previous servicers or originators assurances or indemnity agreements and refuse to conduct a full audit and investigation of my account of monies disbursed or provide justifiable information or itemized breakdown of the services performed. 

I want to ensure that the fees charged were for actual services performed or rendered. As such, please treat this letter as a Request for Information under 12 CFR Part 1024 ( Regulation X ) 1024.36. A servicer must comply with the requirements of paragraph ( d ) ( 1 ) of this section : for requests for information, not later than 30 days and acknowledge receipt within five days to provide a written response acknowledging receipt of the information request. 

/s/ XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

THIS COMPLAINT CONTAINS THE CORRECT ATTACHMENTS. I sent an email directly to the CEO of XXXX. Received a letter in the mail stating that he will not remove the late payment history/incorrect payments reporting to the credit bureaus. I have disputed the account with the credit bureaus several times regarding this inaccuracy and the results stated that the data furnisher verified that the information is reporting correctly. This issue has carried on for almost a year. XXXX along with the credit bureaus state that they will not correct the information reporting on the account. The account is closed, paid, and still has a {$0.00} credit. I have attached a copy of my credit reports from Experian and XXXX showing how the pay history is STILL showing an active pay history from one credit bureau while the other bureau is showing a charge off pay history of XXXX each month. This continues to affect my credit over the past year and should be removed by the data furnisher for continuously reporting inaccurate information.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I've contacted the Credit Reporting Agencies several times both via phone and mail to see why discharged accounts are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT. 

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility or reporting maximum accuracy to my consumer profile. 

These inaccurate accounts being reported are severely impacting my ability to obtain credit.
Consumer complaint received 2021-11-14
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: EQUIFAX, INC. (PA)

There is proof that your credit reporting agency did not do a reasonable investigation. Your agency also did not investigate the challenge stated in my letter ( s ). Which means your agency is not operating in compliance despite other consumer reporting agencies deleting the account ( s ) in question.
Consumer complaint received 2021-11-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I placed an order with online retailer XXXX, using Venmos debit MasterCard. Including tax the total amount due was $ XXXX. 
Upon placing the order a second charge was withdrawn from my debit MasterCard : [ photo of transactional record would be placed here if allowed ] {$24.00} was deducted from my Venmo account to XXXX XXXX but i am unable to see delivery address or any additional information.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

TV is everything in accordance with The Fair Credit Report act 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 has violated my rights. 15 USC 1681 602 Section A States I have a right to privacy. 15 USC 1681 section 604a section 2 : and also states that a consumer reporting agency can not furnish an account with out my written instructions.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (OH)

I sent an email directly to the CEO of Discover. Received a letter in the mail stating that he will not remove the late payment history/incorrect payments reporting to the credit bureaus. I have disputed the account with the credit bureaus several times regarding this inaccuracy and the results stated that the data furnisher verified that the information is reporting correctly. This issue has carried on for almost a year. Discover along with the credit bureaus state that they will not correct the information reporting on the account. The account is closed, paid, and still has a {$0.00} credit. I have attached a copy of my credit reports from XXXX and XXXX showing how the pay history is STILL showing an active pay history from one credit bureau while the other bureau is showing a charge off pay history of XXXX each month. This continues to affect my credit over the past year and should be removed by the data furnisher for continuously reporting inaccurate information.
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (TX)

According to the FCRA, my rights and the accounts listed below in question have been violated : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
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 is listed 3 different times, XXXX XXXX XXXX I have never lived at any of these addresses. 
15 U.S.C. section 602 A. states I have a right to privacy.

15 U.S.C. section 602 A. states a consumer reporting agencies can not furnish an account without my written instructions. 
I'm a XXXX, my name is being mixed up also. Correct name : XXXX XXXX XXXX. 
Incorrect Phone Numbers : XXXX, XXXX, XXXX These belong to my ex. 

XX/XX/2022, I have been trying to correct inaccurate information that is reported in my Experian credit report, Experian sent me a stall tactic letter stating that it was not me who is disputing the information in my credit file. I sent my identification, proof of address, and my identity theft report notifying me of the issue. Experian is still saying that it is not me. 
I have started the dispute process all over again to be told that they need proof of my identity again. When I submitted it the second time, I provided everything that was requested from Experian. Experian has failed to comply and violated my consumer rights when it comes to disputing erroneous, inaccurate, and unverifiable information in my credit file. I'm a true victim of identity theft and I'm trying to correct the misleading and inaccurate information in my credit report with Experian. I have done my homework and feel like I'm entitled to dispute anything that is untrue in my credit file. I do know the laws and can use them correctly to fight for what's right in my file.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (KY)

According to 15 USC I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 

FCRA Section 623 Debt Disputed, XXXX XXXX has failed to report it as disputed. 

FDCPA Section 805 ( b ) XXXX XXXX has contacted 3rd parties in XX/XX/2021, disclosing loan information to XXXX individuals, thus XXXX violations. 

FDCPA XXXX XXXX AND XXXX U.S.C. XXXX ( XXXX ) - Harassment or abuse. XXXX XXXX, Account Control XXXX for XXXX XXXX XXXX XXXX called my family member toxic, rude, a bad human being, condescending, a negative person and then told her to think about herself, wait 30 minutes and call back with a retraction and apology.He told her he had been in this business for 40 out of his 60+ years and that she was one of many liars who he had talked to over the course of his career. This occurred on XX/XX/2021. 

XXXX XXXX  has taken adverse actions toward me pursuant to CFR 1026.13. CFR 1026.13 and now forfeits it's right to collect the disputed amount as described in 15 U.S. Code 1666 ( e ). pursuant to CFR 1026.13. CFR 1026.13.

15 U.S. Code 1681b ( a ) ( 2 ). A consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. By definition XXXX XXXX has committed identity theft.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (IN)

XXXX REPORT ONE OF MY NFCU CREDIT CARD OVER THE LIMIT WICH IS NOT TRUE AND MYU SCORE WENT DOWNED XXXX POINT. I CALLED XXXX CUSTOMER SERVICE AND THEY SAID THAT NAVY FED CU ACCT CREDIT CARD ENDING XXXX IS OVER XXXX AND THAT IS NO TRUE THE ACCT IN QUESTION BALANCE IS XXXX WHICH LEFT ME WITH XXXX AVAILABLE TO USE. HERE IS NAVY FEDERAL CU XXXX FOR YOU TO VERIFIER WHAT I SAID. I NEED XXXX TO STOP TARGET ME AND GIVE THE XXXX POINTS BACK TO MY SCORE.ANY FUTHER DOCS YOU NEED DON'T HESITATE TO CONTACT ME PLEASE. 


XXXX XXXX
Consumer complaint received 2021-11-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (WI)

I received an text from numberXXXX, Law Offices of XXXX XXXX XXXX It stated I had to confirm my Chase account within 12 hours. I called the number and it went directly to a voice mail that did not mention this law office. I called Chase which I never had an account with. Chase confirmed it was a scam. I also contacted A law office with the named attorney, but they haven't called me back.
Consumer complaint received 2022-12-17
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. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-12-17
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. (CO)

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., 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 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 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 2021-11-14
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: AMERICAN EXPRESS COMPANY (FL)

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2021-11-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I have my Home financed with Mr Cooper ( Loan # XXXX ). In XX/XX/2021 I was contacted by Mr Cooper via mail to refinance. I contacted their mortgage specialisXXXX and decided to go with a streamline refi to lower my interest rate. I was told to expect the close to happen in XXXX but could delay until XXXX. In XX/XX/2021, I was contacted by Underwriting related to Ownership and names on the deed ( My wifes name was added to the deed when it should not have been ). My wife signed a warranty deed to remove her name from the deed. The underwriter requested I send them the original warranty deed taking my wife off the deed, instead of having it filed at the court house, which I did. As of the writing of this complaint, I still have not been scheduled to close on this streamline refinance. I have in XX/XX/2021 requested in writing the return of my original documents including the warranty deed that has NEVER been filed. To-date have the documents not been returned, but no one from Mister Cooper will return emails or phone calls related to this matter. Not having this document filed, is now causing property tax implications.
Consumer complaint received 2021-11-14
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I want to block and arrest the person who issues credits I am not familiar with from Capital One XXXX, Capital One, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, I don't know the amounts by I did not issue any of these cards and there was recent activity of my social security number that was used as well and I want this dealt with and corrected and have the person responsible for this arrested their address is XXXX XXXX XXXX XXXX XXXX LA XXXX please arrest this person and help correct my problem.
Consumer complaint received 2021-11-14
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: EQUIFAX, INC. (TN)

I have several inquiries listed on my credit report that I don't know anything about. I just noticed when I accessed my credit report. This was not done by me. I have explained this several times. Please delete this fraud information
Consumer complaint received 2019-11-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Ace Cash Express called me and said I defrauded them and they would be filling a criminal complaint and would talk to judge, the man 's name was XXXX XXXX  his phone number was XXXX in XXXX Tx
Consumer complaint received 2022-05-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

Received inaccurate information on how to pay first tax bill on phone call with Nationstar Mortgage XXXX. Received delinquent notice from local tax authorities XXXX with late payment fees attached. Called Nationstar about problem. From XXXX through XXXX I talked and/or corresponded with 18 Nationstar agents XXXX this problem, some on multiple occasions. ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. In the interim, I received a notification from the local tax authorities threating to place a lien on my property and place my home up for sale. Once the escrow was paid by Nationstar some 8 months after my initial call on XXXX. Nationstar refused to reimburse me for the extra {$120.00} incurred by late fees and penalties from my escrow account. They also refused to apologize for the stress and agony incurred upon my wife and myself worrying about our home being seized by local tax authorities and damaging our credit score due to their incompetence.
Consumer complaint received 2018-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (IL)

rude, male demands I bring my account up to date. states I moved and have a previous account. told the XXXX i did not have a previous account in XX/XX/XXXX and i have the same account I did -and it was opened and activated this year only XX/XX/XXXX. he decided he was going to talk over me and harass me. told him to XXXXXXXX XXXX and hung up and blocked his numbers. XXXX and XXXX i have contacted XXXX XXXX who stated my account is in good standing and no new account was created. my account is paid and up to date.
Consumer complaint received 2021-11-14
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. (IL)

FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2022-12-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (WI)

The collector, Credit Management , LP, never notified me in writing, nor delivered a telephone call or voicemail when issuing an intentionally damaging claim on my credit report. They claim it was on behalf of XXXX XXXX, MN, who never gave me written notice or telephone notice of a debt. They never returned a call and had no idea why I was issued a debt nor sent to collections. 

I never received any notice other than a negative notification by XXXX.It was XXXX bank who were able to get me the number of the misconduct filled collector. I have also never received a receipt from them over two months after they promised full payment would guarantee removal from my credit report.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A. (TX)

I want to block and arrest the person who issues credits I am not familiar with from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and Citi Cards XXXX XXXX, I don't know the amounts by I did not issue any of these cards and there was recent activity of my social security number that was used as well and I want this dealt with and corrected and have the person responsible for this arrested their address is XXXX XXXX XXXX XXXX XXXX LA XXXX please arrest this person and help correct my problem.