davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

Good Day I need your help with Equifax Information Services LLC aka Equifax the credit bureau. I notified XXXX and XXXX in XX/XX/2021 that there was fraudulent information on those 2 consumer reports. So they added an initial fraud alert and they automatically contacted Equifax to add a initial fraud alert as well ; even though no fraudulent information was listed on Equifax that is how this archaic system works. So in XX/XX/2021 XXXX and XXXX took care of the fraudulent information. So I thanked them and asked them via mail to remove the initial fraud alert. They wrote me back via USPS mail with proof that the initial fraud alerts were removed Great. I also wrote Equifax at the same time and Equifax still have not received the initial fraud alert. I wrote Equifax in XX/XX/2021, XX/XX/2021 and XX/XX/2021 with copies of my ID, social security card and recent utility bill, a utility bill for the month that I wrote them for proof of address. These documents were enough for identity verification and address verification. These are the documents their reps tell you to send with any mailed dispute. I have not received any correspondence from Equifax. Granted I have been writing them since XX/XX/2021 to remove the initial fraud alert on my credit report. I mailed 3 letters each month to these Equifax addresses these addresses are listed on Equifax credit reports : XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX GA XXXX. I know Equifax have received the 9 letters from me asking them to remove the initial fraud alert off my credit report. This is ridiculous and I am so frustrated that they won't do their job. I have written them 9 times to the 3 addresses they supply and I included the proper documentation in each letter they require. I need the initial fraud alert removed
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I noticed that you all are reporting this bankruptcy on my credit report that XXXX not aware of and it is inaccurate. Please notify me what is federal court and what is us bankruptcy court. I researched on XXXX and couldnt find either with my name attached. Please delete this erroneous bankruptcy off my credit report. 


I sent letter to TransUnion and XXXX and received a stall letter stating that the letter came from someone I was working with.
Consumer complaint received 2015-07-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Santander bank failed to comply with their funds availability policy ( that the first XXXX $ of ATM deposits will be available on the first day after the day of the deposit. 
This failure caused a " default fee '' to be charged ( by them ) when the XXXX $ was not available the next day. 
On XXXX XXXX, 2015 I made a ( Non-envelope ) ATM XXXX of a {$4000.00} check, and on XXXX XXXX an automatic payment was rejected for insufficient funds because XXXX had decided to hold the funds until XXXX XXXX. 
In the months that followed while trying to resolve this, I have been lied to ( and even threatened ) repeatedly - in person, by phone and by letter. I have never been given any justification for the banks actions except that " they reserve the right to not honor their own policy '' ( a reservation not stated anywhere in their policy ) I am a long time customer in perfect standing ( the account involved is more than 30 years old ) which was well before Santander was allowed to come from XXXX and take over United States banks. 
The are links to the bank 's posted policy and related US bank rules:1-XXXX2-XXXXthe entire Santander account agreement : XXXX
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Eight student loan accounts were reported 90 days delinquent in XX/XX/2015. 

The delinquencies were reported in error as evidenced by the following : 1. Department of Education student loan accounts remain in good standing while in active deferment status. Deferment continues through a XXXX grace period after the semester ends. 

2. The grace period for these accounts began in XX/XX/2015 and remained in place through XX/XX/2015. 
As reflected on the credit reports, the accounts were in good standing from XX/XX/2015 through XX/XX/2015. 
XXXX records show the accounts in good standing at the time of adverse reporting. No late fees or penalties were billed.
Consumer complaint received 2015-05-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (WA)

In XX/XX/XXXX I made my XX/XX/XXXX mortgage payment. At the end of XX/XX/XXXX I made my mortgage payment for XX/XX/XXXX. Everything was fine until about XX/XX/XXXX when I started receiving late notices. I did some research and found that LoanCare had applied my XX/XX/XXXX payment towards XX/XX/XXXX. So instead of recording XXXX separate months payments as they should have they showed XXXX payment for XXXX. I called and got it resolved without issue. I was assured that this was their mistake and it would not affect my credit score. I have filed a dispute with XXXX with LoanCare but they refuse to change the late. The account was never late.
Consumer complaint received 2022-12-16
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. (AZ)

NOTICE AND DEMAND This account is a corporate account with I, as a member of the corporate LLC. This information has been reported prior and was removed by the lender servicing company. However, there is litigation and this is reporting on my personal name and is erroneous reporting, and need to be deleted immediately, this is causing a hardship and there is liability looming.
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and saw someone opened a card in my name fraudulently with " XXXX XXXX XXXX XXXX . XXXX XXXX XXXX is attempting to collect a debt that isn't mine. There are also fraudulent inquiries on my profile as well & They are : XXXX XXXX  ( Finance ) XX/XX/2021 XXXX XXXX ( Finance ) XX/XX/2021 XXXX  XXXX ( Bank ) XX/XX/2021 XXXX XXXX  ( Finance ) XX/XX/2021 XXXX XXXX XXXX ( Bank ) XX/XX/2021 XXXX XXXX  ( Finance ) XX/XX/2021. 
I have filed a dispute with Transunion and haven't heard anything back from them. I am attaching my Notarized Identity Theft Affidavit, My ftc report & police report! REMOVE THIS ACCOUNT AND INQUIRIES IMMEDIATELY!
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: EQUIFAX, INC. (NY)

XXXX 's credit card did not send statements to me and then XXXX XXXX Credit Card services reported me to XXXX and Equifax for delinquency and my credit score suffered. When I asked from XXXX XXXX Credit Card for proof of mailing of credit card statement, XXXX 's credit card could not produce one and removed delinquency from my account, however another department of XXXX 's reported me again, and sent an email to me ( attached ) stating " Under the Fair Credit Reporting Act, we are obligated to report account history based on factual account data. Standards established in the credit industry ensure integrity of data and uniform communication between credit reporting agencies. ''
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2019-03-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

I am in foreclosure with a sale date XX/XX/2019, the new underwriters who purchased the certificates from other lenders did not complete my disagreements with my previous services who were found to be negligent by CFPB CEO. The damages were not corrected the demands were placed on me as the consumer and reported to the highest banking and court organizations by myself and not resolutions has been resolved.
Consumer complaint received 2022-10-13
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$3300.00}
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I was advised by a XXXX and Equifax rep to fill out this report because of unauthorized inquiries in my report. Please remove all these fraudulent unauthorized inquiries on my report. 

Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help. This is hurting my credit and reporting false information to future creditors. 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 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (FL)

I was recently checking my reports and I am very dissatisfied with the outcome. Back in XX/XX/2021 of this year I notified Equifax of the illegal actions that were taking place dealing with my consumer reports. pursuant to 15 usc 1681b ( 2 ) without written consent Equifax can not furnish my information it is a infringement on my right to privacy. It is a federal violation. No consent is identity theft. I have never gave my consent to furnish any of my information, and I am aware that I am a federally protected consumer pursuant to title 15 chapter 41 of the united states code. I am not understanding how a data collection agency can ignore federal law, and continue to commit the same violations, and not respect the privacy of consumers. The Fair Credit Reporting Act was created by congress as a direct result of the impact this fake bureaus are causing by undermining consumers not just myself. I demand that Equifax delete the tradeline XXXX  XXXX pursuant to 15 usc 1681 c-2 block of information resulting from identity theft ( a ) except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. I am competent and understanding of my rights, and I demand that this information be blocked in deleted. I will submit documents required.
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

A credit card was takiing out in my name with Bank of America. I have contacted Bank of America and we are in the process of getting it corrected. This definently is FRAUD. 
I did not open this credit card with Bank of America. I would like to have this taken off my credit report. 

Please keep me updated on the process of this complaint. 

Thank you
Consumer complaint received 2021-11-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Personal Loan Service ()

I have taken a loan from an online app named " XXXX XXXX '' of XXXX XXXX on XXXX XX/XX/XXXX which was due on XXXX XXXX but i repaid the amount on XXXX XXXX only as per their guidelines. Now as i have repaid the loan the company is denying of the repayment received. And also have not updated their system. They are sending fraud message to my contacts with my XXXX image attached. I made the repayment in XXXX installment XXXX and XXXX, on their XXXX XXXX- " XXXX XXXX XXXX '' registered as " XXXX  '' but the whole amount is paid. And now all the numbers have been turned off also no response is coming. And the overdue charges are being added even after repayment. They are demanding for repayment again and also threatening for the police complaint. Now the app is been deleted from playstore and also no customer service is working. They have the complete access of my contacts list. 

The customer service numbers are XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX My contacts have received messages from the number- XXXX I complained about it to the XXXX  company they said its not our issue try to contact merchant. Merchant, i.e. the loan company said we have not received the payment how will we refund you or update your payment. But the money is debited from my account also i have the proofs that i have sent the money to their XXXX XXXX
Consumer complaint received 2022-05-20
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. (VA)

Eight student loan accounts were reported 90 days delinquent in XX/XX/2015. 

The delinquencies were reported in error as evidenced by the following : 1. Department of Education student loan accounts remain in good standing while in active deferment status. Deferment continues through a XXXX grace period after the semester ends. 

2. The grace period for these accounts began in XX/XX/2015 and remained in place through XX/XX/2015. 
As reflected on the credit reports, the accounts were in good standing from XX/XX/2015 through XX/XX/2015. 
XXXX  records show the accounts in good standing at the time of adverse reporting. No late fees or penalties were billed.
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (OH)

I had a credit card go into collections. The company handling it is LVNV. They also have several other companies under their umbrella. I reached an agreement to pay less than what is owed. I paid the agreed amount, and they are still refusing to report it as such on my credit report. They are still trying to collect the amount that was suppose to be written off. I have all the correspondence and its over 30 pages, so I can not upload it. But I can send it via fax or USPS. I also have the proof that I paid the amount and that each check cleared the bank. I have bank statements, cancelled checks, as well as receipts from the company acknowledging that they received my payments.
Consumer complaint received 2022-07-23
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. (CO)

I went to a car dealership and was told XXXX would run my credit to see if I qualified for their financing, but when I checked my credit report it showed a whole lot of hard inquiries that I did not approve. The list is as follows : Transunion XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt, 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 2018-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

SPS Servicing ( Select Portfolio Servicing, Inc. XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX ) on behalf of Delaware trust ( ) took over the servicing of my Mortgage as of XX/XX/2018 from XXXX XXXX XXXX. Mortgage payments of {$1400.00} ( with additional principal ) are set up as recurring removals ( automatic drafts ) from my checking account. On XX/XX/2018, SPS removed the full mortgage payment and additional principal from my checking account and applied it to the mortgage for my property. On XX/XX/2018 I received a statement that my mortgage was not paid and a late fee was charged and that I owed 2 months mortgage payments. I also noted that my FICO score dropped 18 points when I received this notifications. I call SPSP customer service ( XXXX ) and he informed me to ignore it. I wrote XXXX letters to SPS regarding this issues and I receive 3 letters stating that SPS was sorry that I was having difficulty paying my mortgage on time. On XX/XX/2018, SPS removed the next required mortgage payment from my checking account My mortgage was never late, not any paym, ments delinquents since dealing with this Servicer, yet SPS is sending letters implying that my mortgage is not being paid and letters which imply I am not able to pay my mortgage, questioning my credit worthiness. 
SPS Servicing is also a debt collection agency. I believe this company is trying to establish a false debt delinquency to initiate foreclosure on my property be it intentional or through a computer glitch similar to the XXXX XXXX glitch that lets to thousands losing their homes to foreclosure. 

I have written three letters to SPS Servicing asking why I received a late notice of non payment of mortgage but SPS has not provided me with an answer. 
I have concerns that this Mortgage servicer will also documenting false credit delinquency information about me and also making false reports to the credit report agencies.
Consumer complaint received 2015-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southern Management Systems Inc. (NJ)

According to the company we owe this amount of XXXX. However, we left the premises voluntary. We used the security to hold us for the last months rent. So therefore, this information is incorrect as a whole.
Consumer complaint received 2021-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX, CT XXXX XXXX XXXXXXXX Mr. Cooper Loan # XXXX To Whom It May concern : Mr. Cooper has indicated in their most recentXX/XX/XXXX correspondence that the proposed post modification of unpaid principal balance of this loan is {>= $1,000,000} with a property value of {$360000.00}. In that same correspondence you refute any and all allegations of fraud, duel tracking and deceptive practices, yet it certainly appears deceitful, ( and that is putting it lightly ) to state the property value as {$360000.00} when the actual value of the home is {$310000.00}. A {$59000.00} difference is no little oversight. 

Please know that the value of this loan did not become so inflated without an improper origin. 
Deceptive practices such as disregarding homeowners ability to repay, high point adjustable rates and excessive fees, created an unsurmountable amount of debt for the borrowers ; and potentially a huge write off for the Mr. Cooper, if foreclosed. 

Mr. Cooper has consistently conditionally approved a short sale or Deed In lieu, because that benefits the lender, but what about the borrower who was deceptively lulled into a loan that was a against their best interest. A principal reduction modification is necessary in certain circumstances and/or with certain loans like this. With that said I am also making a request for mortgage information. 

And lastly, the borrower wants to keep their home. Principal reduction is the only resolution that can achieve that goal. Therefore, the borrower requests the modification denial be reconsidered with principal reduction. 


Please help us to appeal to with Mr. Cooper to reconsider the court order modification. 

Thank you, XXXX XXXX XXXXXXXX XXXX