davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

in the previous complaint, SPServicing and XXXX XXXX lied to CFPB and the consumer. 
they claim : " Insurance Claim - In your inquiries, you stated that the adjusters worksheet for the wind damage was not being accepted by SPS. In review of our records, the adjusters worksheet for wind damage funds in the amount of {$18000.00} was received and accepted on XX/XX/XXXX. '' my response : SPServicing is flat out lying!! I submitted the adjuster 's worksheet for the wind damage on XX/XX/XXXX!! I have proof of that!! Let me know if CFPB would like to see my proof!! it comes from their own website!! Management of SPS and XXXX XXXX is flat out lying!! see attached PDF file!! I submitted the adjuster 's worksheet on XX/XX/XXXX!!! 

They Claim : " An inspection with XXXX has been ordered on XX/XX/XXXX. You also mentioned that the flood and wind claims should be treated separate. Due to the date of loss being XX/XX/XXXX, for XXXX damage, wind and flood funds are monitored as one. '' my response : THIS IS YOUR CHOICE AND YOU SHOULD COMMUNICATE THIS TO THE BORROWERS YOU ARE SERVICING!! 

They claim : " Please note that a voicemail was left for you on XX/XX/XXXX, requesting that you return call to XXXX XXXX ( Loss Drafts Department ) at XXXX " My responses : " AND I DID CALL HER BACK AND LEFT A VOICE MAIL FOR HER ON HER EXTENSION XXXX ON XXXX, XXXX AND XX/XX/XXXX AND SHE NEVER CALLED ME BACK!! AGAIN, YOU ARE LYING TO COVER XXXX!!
Consumer complaint received 2023-01-24
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. (CA)

I am a Police Officer and my privacy and rights are very important to me. I've researched my rights and found that under 15 U.S.C. 1666b - Timing Of Payments : That My Rights have been Violated. 
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this Title is mailed or delivered the the consumer not later than 21 days before the payment due date. 
Here are the accounts in Question : XXXX XXXXXXXX Acct # XXXX, XXXXXXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX and XXXX XXXXXXXX Acct # XXXX,
Consumer complaint received 2023-01-19
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. (DE)

To whom this may concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : Original balance {$750.00} Account number XXXX Account number XXXX Original balance {$100.00} Original creditor Account number XXXX Original balance {$860.00} XXXX XXXX XXXX creditor : XXXX XXXX Account number XXXX Original balance {$1000.00} Original creditor Account number XXXX Original balance {$390.00} Account number XXXX Original balance {$2400.00} Account number XXXX XXXX XXXX XXXX Original balance {$260.00} Original balance {$2400.00} XXXX XXXX XXXX Account number XXXX XXXX XXXX Original creditor : XXXX As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights
Consumer complaint received 2023-01-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (NC)

A new saving account was opened XXXX XX/XX/XXXX with the initial deposit of $ XXXX sent via XXXX on XXXX XX/XX/XXXX. The bank REFUSES to give me a reason why the account is restricted and will NOT let me have access to my money. I need to make a withdrawal to purchase a house next Wednesday, XXXX XX/XX/XXXX HELP
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (NC)

My account was locked and I had to go in to show ID. No big deal. 

I went to the branch at : XXXX XXXX XXXX, XXXX XXXX, NC XXXX The clerk XXXX tells me I'm good to go, I go home and check my account and I'm still locked. Call customer service and they call the branch as they see no notes about my ID being verified. Branch tells them I came in for a withdrawal and mentioned nothing about my account being locked. I insist this is false so they call the branch back with me on hold, speak to the associate again who tells them that yes she verified my ID but did not make a notation or unlock my account and hangs up. Customer service attempts to have the fraud department unlock me but they insist it must be done by the branch. Customer service calls the branch and the associate hung up on her twice. Finally customer service transferred me directly to the associate at the branch who said she was unlocking my account. 

As of my writing a 2 hours later, my account remains locked.
Consumer complaint received 2023-01-19
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. (SC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2019-09-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I have filed disputes with all three ( 3 ) credit bureaus, only one continues to show this debt from Kohls/Cap One as me being deceased.

I have sent a letter to the company ( Kohls/Cap One ) and even spoke to XXXX XXXX ( she claimed to be the secretary to the president ). I have shown in several ways that I am not deceased. 

I have sent copies of my driver 's license, Social Security Card, a current utility bill, I also still have a government check sent to me every month, and have acquired XXXX ( XXXX ) new credit cards, and finally, I have gotten a notarized letter to attest that I am not deceased. 

These last XXXX XXXX XXXX XXXX disputes have resulted in the same outcome. This item has not been removed. I am very upset because I have no idea how a company can certify information about me is correct if I have provided all the above information.
Consumer complaint received 2023-03-08
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. (CT)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AZ)

I was charged interest during the student loan pause on XX/XX/2022. Which was supposed to be included on my bill, and I had requested to have my loans consolidated and move to another company in XXXX. But this company continued to charge interest on my federal loans. I was then told the bill was overdue and that I had to pay it.
Consumer complaint received 2023-02-17
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. (NV)

I am writing to you because I am concerned about the accuracy and honesty of bureau 's data. According to FCRA section 611, It Is important that we have accurate records on file with those who rely on them most- including not Just customers, but also potential lenders or employers. After doing some research into Metro 2 compliance standards I have found that there may be some inaccuracies in reporting going forward. If these issues are not promptly resolved I would love any feedback possible before taking action against you later down this rood together. The inaccuracies that are currently my report are having a serous negative impact on my quality of life The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate I am demanding accurate documentation so you can document me- the person who deserves status, Society - correctly Please make sure that all inaccurate are removed Immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.
Consumer complaint received 2023-02-17
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-17
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (CA)

I have a proof showing that my bank took out my payment. The mortgage told me as long as I pay before the XXXX of the month it would not affect my score or report which had never been a problem for months which i have done. They messed up my credit score from XXXX to XXXX which is a high low drop for the score which upsets me more. I've called, and i have emailed them and they KEEP demanding it's CORRECT however I have a bank statement that shows IT WAS TAKEN OUT ON THE SAME MONTH of the XXXX that was PAID before XXXX OF THE MONTH and it is marked " LATE PAYMENT ''. But I have paid in the same XXXX month and yet my report shows deliquency one month late on XXXX. Please have the mortgage fix and remove the XXXX late payment and convert to current as I demand that i have a bank statement that shows it did took out on XX/XX/2022.
Consumer complaint received 2023-02-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OR)

During the period after I filed a XXXX XXXX bankruptcy I notified Mr. Cooper in writing, via certified letter, of my continued intentions to save my home. Mr. Cooper received the letters. I asked for all the options that could save my home. Forbearance, forgiveness, modification, grants, etc. I was greeted with the usual no response. I hadn't heard anything about my home till the sherriff posted a letter on my door. Neither Mr. Cooper nor their lawyers contacted me. I was ONLY given 3 weeks notice. This is wrong. Once again Mr. Cooper chose not to help me save my home. It seems they have their minds made up and want my home. I have been dealing with deception from Mr. Cooper for years. I am certain they will once again refuse to respond to a complaint. They do what they want and never get reigned in.
Consumer complaint received 2023-02-17
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. (SC)

To whom it may concern : Please be advised that in accordance with the FCRA I am enforcing my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. The unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? I request for the second time that you provide the method of verification you used along with my wet signature. A letter was never sent to my current address or verified. I requested the following information : 1. The name of the individual business address and telephone number of the person or business contacted during your reinvestigation.

2. The name of the person who verified the dispute with the original creditor.

3. The documentation that was used to verify the dispute to date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database including my wet signature ). 

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I fully intend on enforcing my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : Provide Verification XXXX XXXX XXXX UNVERIFIED ACCOUNT
Consumer complaint received 2023-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (RI)

I received a letter from XXXX XXXX for debt collection which looks fake. It states that I have outstanding debt with XXXX from XX/XX/2020. I have never had an account or used this service. When I try to get information from XXXX, they want personal information such as social debit security number. I just purchased a vehicle this summer and have the highest credit rating. This XXXX debt if valid would have shown on my credit report. It did not because it is fraudulent. I believe someone is trying to get personal data from me by trying to impersonate debt collection. 
I have never received any communication or letters attempting to collect any debt from XXXX or XXXX until today. The debt listed on this letter is from XX/XX/2020.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc. (MI)

Sezzle has reported false information over and over. I have tried to show this with documentation to both XXXX and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Today I will be including the email conversation from the XXXX  with XXXX XXXX their CEO of Finance. Literally says the account is closed. Yet! XXXX and XXXX keep agreeing the account is open because sezzle. Hasn't reported anything sense XXXX. The account has never has a amount owed at the end of any month either.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX, 2022 I was scammed into completing a wire transfer of {$12000.00} to XXXX XXXX XXXX. I found out this was a scam and immediately tried to recall the wire transfer. I called the bank and went online to reverse the transfer. The representative told me there was nothing I could do and that I needed to file a police report. The officer told me to go online to try to reverse the transfer so I did and nothing happened. I just filed a report to reportfraud.ftc.gov and they told me to file a report on this site because my Chase refused to help me with this scam.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

I feel USAA is punishing me for a XXXX bankruptcy filed in 2019. USAA will NOT activate my bill pay feature on a NEW checking account. They say because I had a debt with them they will not activate the bill pay feature with newly established account. I tried to work with the executive offi e but they wont do anything. Their decision is punitive in nature.
Consumer complaint received 2023-02-16
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Shellpoint Partners, LLC (NJ)

XXXX XXXX XXXX under the direction of Shellpoint create and use fraudulent documents in court. Same documents are also filed into various county land records. This company is not compliant with Foreclosure Laws. 

Shellpoint claims to have no knowledge of the loan being in loss mitigation. I have a letter from Ditech acknowledging receipt dated XX/XX/XXXX. If my file was acquired legally by Shellpoint they would have this information from Ditech. 

Shellpoint claims to have never received my loss mitigation application or even having knowledge of it. However, it was mailed certified, and signed for on XX/XX/XXXX. 

XX/XX/XXXX Shellpoint claims to have servicing rights. 

Did Shellpoint legally acquire servicing rights to my mortgage? They claim ownership of the loan using a fraudulent mortgage assignment. If Shellpoint is a Debt Collector who is the Creditor? The response letter they sent to me states that Shellpoint is servicing the loan on behalf of the owner. Who is the owner. Why are they being so vague. Is it because they have illegally acquired servicing rights from a Bankrupt company. 

No original Note. The note they attached to the file has brass tacks at the top. Shellpoint is servicing a loan they have no right to service. Can they provide a free and clear title when the loan is paid off? Or will they continue to create fraudulent documents, to cover up the fraud. 

There is an assignment of mortgage used by Shellpoint dated XX/XX/XXXX, signed by a robo-signer XXXX XXXX XXXX XXXX XXXX of XXXX. 

XXXX is actually an employee of XXXX XXXX XXXX. How is this not fraud? 

XXXX XXXX has no right to assign any mortgage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has posted numerous documents signed by this impersonator. 

I have attached : Letter from Ditech regarding loss mitigation Certified green card - dated XX/XX/XXXX Certification from Attorney certifying to have spoken to XXXX XXXX the document Execution Representative for Ditech - XX/XX/XXXX Mortgage Assignment signed by XXXX XXXX as Assistant Vice President of Greentree Mortgage XXXX - XX/XX/XXXX Assignment of Mortgage signed by XXXX XXXX as XXXX XXXX of Ditech XX/XX/XXXX Additional robo-signed documents by XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX and XXXX. 
Letters from Shellpoint admitting to using these fraudulent assignments as proof of ownership of servicing rights.
Consumer complaint received 2023-02-09
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. (OH)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to formally dispute the accuracy of certain information on my TransUnion credit report, as per the provisions outlined in the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted TransUnion regarding the following discrepancies on my credit report. To date, I have not received a response from TransUnion. 

The following are the details of the erroneous information and the required corrections : The account labeled " CXXXX '' ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$88.00} ) was never late. I request the removal of the late payment designation for this account. 


The account labeled " XXXX '' ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$340.00} ) was never late. I kindly request that TransUnion correct/update this inaccurate information on my credit report.