davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

SELECT PORTFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Ref :  Property XXXX XXXX XXXX XXXX XXXX FL XXXX SPS # XXXX XXXX  XXXX XXXX # XXXX Foreclosure case # XXXX XXXX XXXX XXXX  MIN # XXXX PETITION FOR RELEASE/DISMISSAL OF FORECLOSURE As the pandemic COVID-19 is hitting very hard across America destroying the economic and devastating homeowners, Government President Trump directed the Department of Housing Urban Development ( HUD ) and local government to take steps, orders to stop eviction and foreclosure proceeding to bring relief to those stressed family impacted by the pandemic of COVID-19. This is a precious time to bring this matter of Foreclosure case # XXXX, that is still pending in state court to the end with amicable solution. 
Since XXXX, our property has being victim of three ( 3 ) WRONGFUL FORECLOSURE. The undersigned are asking you to open a profound review to the above account and order your legal team to stop/dismiss legal proceeding Foreclosure case # XXXX. 

On XX/XX/XXXX SELECT PORTFOLIO SERVICING INC open a third ( 3rd )  WrongfulForeclosure case XXXX XXXX vs XXXX XXXX  on behalf of XXXX XXXX  AS TRUSTEE for the ACE XXXX. 

There are fatal errors in your claim regarding this account that needs to be seriously addressed to avoid causing more harm to our family, with a nonsense litigation. This litigation has brought a dark cloud to the image of SPS and its reputation. 

This account previously serviced by XXXX  XXXX XXXX XXXX XXXX XXXX XXXX was assigned and transferred incorrectly creating serious misunderstanding and legal battle. Those misunderstanding that need to be addressed and put this account in the right path of release.The XXXX XXXX request SPS to dismiss the Wrongful Foreclosure case # XXXX and releaseproperty XXXX XXXX XXXX XXXX XXXX FL XXXX from those claims. 

Your cooperation to solve this matter will be appreciated. Our family need to be relieved from this nonsense litigation and difficult time of this pandemic of Covid 19 and its effects. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (CA)

To whom it may concern Ive had two delinquent accounts that I paid in settlement back in XXXX of 2019 Ive been challenging these items with the credit bureaus to only have them come back with the account showing I still owe and its several months past due Ive called numerous times to try to resolve this matter but Im always referred to a third party collections agency to only be told they dont even have that account Ive got nothing but the run a round so Im seeking help
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (PA)

AMEX decided to reduce my Credit Limit based on a 'late payment ' on my personal loan with AMEX as well. It was an issue to do with Autodrafting. An internal system flaw does not distinguish between old ( closed ) accounts and current accounts when setting up autodrafts. As a result the autodraft was setup for the closed account ( unbeknownst to me ). The payment date was showing up as XX/XX/XXXX, when my usual debit day is XX/XX/XXXX. I thought that necessary adjustments to daily interest would be made and I will be debited for a further 8 days of interest when the new payment will be debited. AMEX then emails me saying they are rejecting a payment on my XXXX XXXX Card due to a late payment!! I investigate further to see that the payment they are referring to is the one ( on my system ) is showing as XX/XX/XXXX. They explained that this was set up for the old loan account which is still ( active ) on their system even though it was paid off and closed over 9 months ago!! As a result of this 'late ' payment, my other accounts have been affected, including the credit limit of my XXXX XXXX which dropped from $ XXXX to $ XXXX. I have been a customer of AMEX 's for the best part of 14 years and I have been treated like an absolute criminal. I have NEVER missed a payment in the past 14 years!! They are asking me to jump through hoops to appeal my credit limit on the XXXX XXXX as if I am a brand new client just out college or with someone who has no credit history. This is absurd. I have lodged a complaint with the company itself and will take this further for consideration to restore my credit limit and integrity with AMEX and the credit bureaus.
Consumer complaint received 2020-08-11
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (NC)

Navient student loans have been collected interest payments from my parents since XXXX. In my best ability to contact them while on XXXX XXXX orders serving in XXXX I had my mother send them my contact information. They never contacted me via gov email, personal email, or phone. Between XXXX and now they removed my father ( co-signer and retired 100 % veteran ) off the loans, credited him {$600.00} and made my mother, XXXX XXXX the beneficiary. After a security clearance alert, I contacted Navient directly. They told me they sold my loans off and had no idea I was XXXX XXXX. I commented that the information they provided me was predatory, lacking in my self awareness, XXXX XXXX needed to be continuously updated. When I questioned why my father was removed and not forgiven for several loans, they told me to refer to the collections. Navient purposely and willfully, attempted to collect a debt both illegally and without true transparency.
Consumer complaint received 2020-06-11
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. (NC)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Consumer complaint received 2023-01-07
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. (IL)

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has 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 a account without my written instructions
Consumer complaint received 2020-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NE)

This issue if directed to Paypal. 

On XX/XX/2020, I purchased services from XXXX XXXX for the amount of {$15.00} ( Transaction XXXX ). This purchase was for 1 Month ( 30 days ) of server hosting. 

On XX/XX/2020, all servers went offline. According to announcements in the official XXXX XXXX Discord ( messaging service ), the CEO went " missing '' and none of the server bills were paid. Over the next few hours/days the company 's remaining staff alerts everyone to cancel reoccurring billing and eventually sends off refunds. 

Before this happened, I had opened a claim with Paypal but once I heard the news that refunds were being sent out, the dispute was closed. It turns out that all the refunds were eventually rejected by Paypal for an unknown reason ( theories float from there being no money in the account to Paypal restricting their ability to refund wronged customers ). 

I then reach back out to Paypal who tells me to try to work it out with the company ( who is out of funds and who's CEO has run off ) to try to get a refund again. The company is no longer issuing refunds as the remaining staff has done all they can. I CAN NOT get a refund from this company, everything that could be done from their end has been done. ( SEE SCREENSHOTS ). 

Paypal continues telling me to work with the company, I tell them that I can not. I tell them that the company does not have any way to come to a resolution and they then tell me to work with my credit card/bank. That would be great BUT the purchase was used with Paypal funds. I can not go to a bank or credit card company and file a dispute because Paypal funds were used. They are my last resort and all they wish to do is push me from rep to rep without a solution. They continuously cite that their system won't allow them to help me even though I've very possibly been scammed of my money. ( SCREENSHOTS INCLUDED ).
Consumer complaint received 2024-02-26
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. (FL)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( Identify item ( s ) to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 
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 DISPUTES- REINVESTIGATION IN PROGRESS ; AMOUNT IN HIGH CREDIT IS ORIGINAL CHARGE-OFF AMOUNT I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosures : Identity Theft Report FCRA Section 605B
Consumer complaint received 2024-02-26
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. (WA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2020-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Mail fraud I am using this to report on-going chain mail fraud and harassment mailing ( see attachments XXXX ) all Wells Fargo correspondence is sent via electronic means. I dont receive or have approved any mailings. See below. Attached are photos of the envelopes and mailings. Just some, I threw most of them out. Please investigate, I have lost {$200.00} because of this. Thanks. Under zero circumstances any correspondence is to be shared with XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX or any other attorney 's of XXXX, XXXX, XXXX. 


-Logos on the envelopes are ill placed and the lettering is not appropriately sized -They are using a Newspaper and advertisement black and white print logo, not the exact tone match. 
XXXXThe Watercolor logo is not embedded, but printed. 
-Addresses keep changing -Black and white not in color as per the general Wells Fargo mailing -Cheap paper -Double sided printing
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

I applied for a credit card at Wells Fargo on XX/XX/XXXX. A week later I received a letter declining my application with a FICO score of XXXX out of 850, an almost perfect credit score. 

My application was denied due to my XXXX last name. If my last name was of a XXXX person, my application would have been immediately approved based on my credit profile. It makes absolutely no sense why my application was declined based on my almost perfect credit score and annual household income of $ XXXX. I was never contacted to substantiate my income or any of their concerns. 

After receiving the letter, thinking it was a mistake based on my over 20 years of immaculate credit history and an household income of $ XXXX, I contacted Wells Fargo to get more information. I was able to speak with their executive office representative and escalated my case. I offered to provide my tax returns and current pay stubs to substantiate my income and to mitigate any risk concerns the credit card analyst had. Additionally, I expressed my concerns that I was a victim of XXXX discrimination due to my last name. 

A week after speaking with the executive office, I received the same exact letter, almost verbatim from the previous letter which means no one in the executive office did anything. I am a victim of XXXX discrimination. I have a long established immaculate credit history with an almost perfect credit score. The only deviation is my last name. The analyst and manager that worked on my application are XXXX  and proper action needs to be taken.
Consumer complaint received 2020-06-11
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. (LA)

I wanted to start building my credit because I am close to the age where I want to start making big purchases, I been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card, I had I paid for it and had the account closed. I decided to pull my credit and there is a couple of unknot items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft.
Consumer complaint received 2020-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Platinum Holdings Group, LLC (PA)

-First communication was established on XX/XX/2020 where they called mine and my husbands number, person who called was XXXX XXXX XXXX Same date, XX/XX/2020, XXXX XXXX called my brother and went over the debt in question in detail with him and also told him that they were preparing to serve me at my place of employment. This is considered disclosing unauthorized information to a third party. I made an attempt to call XXXX XXXX back that day and got a voicemail in which I left my name, file number and phone number. No other information was given. 
XXXX received a phone call from XXXX XXXX while at work. My husband called back when I got home from work. We specifically asked for a validation of debt letter be sent to us and at this time she started to get very upset and told us to follow the chain of title. She refused to accommodate our request for a validation of debt letter and then also said they contacted the Human Resources Dept at my employer and when the HR rep called her back they would be serving me at my place of employment. 
-by following the chain of title, as XXXX had mentioned, we discovered that this company, Platinum Holdings , had only just acquired this debt at the end of XX/XX/2020. They are threatening to sue without giving us the 30 days to dispute the alleged debt. 
-the company Platinum Holdings has the same phone number as the supposed law firm XXXX XXXX XXXX XXXX No matter what number you call they answer litigation, not the companys name. 
-from doing research I am finding everything mentioned above to be illegal scare tactics and if they are trying to actually sue they are required by law to give me 30 days to give written letter of dispute, which they did not do. 
-they have also almost doubled the amount owed of the alleged debt, trying to tack on some fees which they also did not explain. 
-I would also like to add since I have absolutely no documentation from this company I can not attach any letters or receipts since they do not exist.
Consumer complaint received 2020-06-11
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$66.00} XXXX XXXX {$47000.00} XXXX XXXX {$29000.00}
Consumer complaint received 2020-06-11
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. (AR)

I received a couple bills in the ail stating, that I need to make a payment for a loan. I don't owe a loan, I don't have any loan under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two bankruptcies and a couple of inquiries. A couple of other fraudulent accounts that are not mine. I have never seen these items in my life. PLEASE REMOVE THESE ITEMS from my report thank you CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX   CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX
Consumer complaint received 2020-06-11
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$66.00} XXXX XXXX {$47000.00} XXXX XXXX {$29000.00}
Consumer complaint received 2021-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

XXXX File Number Advised the company via transunion 3 times that this is not my account. Never did business with this entity. 
LVNV FUNDING LLC XXXX, SC XXXX
Consumer complaint received 2020-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX XXXX XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1200.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP.
Consumer complaint received 2020-06-11
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: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX  is reporting a current balance of {$260.00}. This account should report a {$0.00} balance and {$0.00} past due. There is no outstanding balance due. Please keep in mind it would be impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-10-30
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: CREDIT ACCEPTANCE CORPORATION (CO)

In accordance whit the Fair Credit Report Act this creditor ( Credit Acceptance Corporation ) on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states, I have the right of privacy. 15 USC 1681 section 604A section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and and consumer credit plan as late for any for any purpose.