davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (MI)

XXXX and sourcerm. Wow. What can I say. We terminated our XXXX contract after fulfilling our two year contract. Im sure that sourcerm  isnt the first company that XXXX tried to sell this debt to. There is a {$3000.00} amount sent to collections. This was not supposed to happen according to XXXX, when we switched carriers. XXXX was angry, upset and frustrated that they were losing a valued customer that paid thousands of dollars over YEARS. According to XXXX, we were all set. Done. Paid in full. Phones were not to be returned because of the damage and wear to them. How on earth is a clerical or accounting mistake on XXXX  part a problem that I should have to suffer through?!? I have disputed this with all credit bureaus and am at the end of my rope. This goes all the way back to XX/XX/2017 and can not get an answer.
Consumer complaint received 2023-03-18
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)

XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ny XXXX SSN : XXXX | XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX I recently reviewed my credit report and found some accounts that do not belong to me. As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I demand that you remove them immediately : Account Name : XXXX Account Number : XXXX Reason : Account is fraudulent Please respond to me with an updated copy of my credit report once these accounts have been removed. 
Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Information for ID theft and XXXXXXXX XXXX is for XXXX XXXX and Equifax and the whole thing is for XXXX  I recently filed a complaint attached the Identity theft report to it XXXX said CFPB can never do anything to XXXX so dont care showed them proof who I am and all personal information and the Identity police report they said they dont care now blocked me from calling writing and online paid account but still are taking money from my account here is a copy again of the police report so the FBI dont investigate XXXX for accessory to Identity theft. They said they will never do anything for this account its blocked law says if I cant dispute problems on credit or if I recently filed a dispute in writing and I did then everything I disputed has to be removed If you report information about consumers to consumer reporting agencies ( CRAs ) like a credit bureau, tenant screening company, or check verification service you have legal obligations under the Fair Credit Reporting Act 's Furnisher Rule. 
You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) ' XXXX has had over 300,000 complaints and never fixed any of them all posted on XXXX and CFPB postings and this is in less then 1 yr. All XXXX XXXX   negative reporting is by XXXX XXXX procedures they are breaking signed contract from XXXX XXXX and have no amendment on file. so all the negative reporting XXXX XXXX  will be removed. All proof is attached to this complaint real forms that show XXXX XXXX is reporting information and lies this real contract shows proof and attachments show they payments were maid but XXXX is in lost mitigations and contract says no changes to account till investigation for loss mitigation is complete which means no credit reporting at all so negative reporting for XXXX XXXX needs to by law and contract removed.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A collection on a credit report should Never have a past due amount and shouldn't. show as a open account have balance and a high balance and should have a full account number and not asterisk at the end. As you can see on pages 5,6,7,8 of my TransUnion Credit Report Account XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX NCA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX all of these accounts have those errors, according to FCRA Section 623- Deems it a violation to report information with actual knowledge of errors. A person shall not furnish any information. Relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate, all information reported to a consumer. credit report must be 100 % accurate if not it must be deleted from a consumer credit report. By Law 15USC 1681s-2 Responsibilities of Furnishers of reporting information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. ( 1 ) Prohibiltion ( a ) Reporting information with actual knowledge of errors, A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate as you can see in the attachments
Consumer complaint received 2018-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (MD)

I signed and had notorized on XX/XX/18 loan modification papers from XXXX with new interest rate of 7.6 %, with monthly mortgage payments of {$990.00}, for 300 payments that became effective XX/XX/18 ; with signed and notorized agreement by XXXX XXXX from the company of XX/XX/18. I submitted an electronic payment of {$990.00} on XX/XX/18. I received notice that the loan had been sold to SN Servicing Corporation with payments to be sent to : SN Servicing Corporation, Payments, XXXX. XXXX XXXX, XXXX, TX XXXX. I submitted an electronic payment on XX/XX/18 of {$990.00} to that address. I would like assurance that the modification agreement I signed on XX/XX/18 is still in effect with no changes. In the notification letter from SN Servicing the address for questions is : SN Servicing Corporation, XXXX XXXX XXXX, XXXX, CA XXXX and the letter also stated the owner of the loan belongs to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, LA XXXX ; XXXX. I sent an original of this document on XX/XX/18 ; but it would not go through to the address of the owner of the loan.
Consumer complaint received 2018-09-07
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Attention dispute department RE : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX   Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX  Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry :  XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (WA)

My agent submitted the short sale package and it was deemed complete, however we can not get them to order the XXXX. My agent has called repeatedly, the servicer which is SLS has continued to blame the problem on XXXX XXXX. We have called XXXX XXXX, and this is a lie. XXXX  has received NO request for XXXX.
Consumer complaint received 2023-03-18
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. (IL)

on XX/XX/2023 I sent the consumer reporting agencies a letter about an inaccurate late payment on my consumer report and also letting them know that they are violating my rights as a federally protected consumer As of today XX/XX/2023 the consumer reporting agencies has disregarded my Request and once again violated my rights under the FCRA and they are also not complying with their own policies in a timely manner. 

the law States that the CRA 's has 30 to 60 days to investigate the consumer request and if the information on the consumers report can not be verified it has to be deleted from the consumers report. so now its been well over 75 days and the inaccurate Information has not been verified and its still reporting on my consumer reports and the CRA 's has missed there deadline so I'm demanding this information be deleted from my consumer report immediately.
Consumer complaint received 2022-07-10
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. (OK)

I have disputed XXXX XXXX XXXX XXXX fraud account on my credit file due to fraud. This account is connected to fraud account XXXX XXXX account that has been deleted and is/was fraud as well from my credit file. I have explained and disputed this to XXXX on several occasions to no prevail. XXXX says that it is accurate and it is not! Its a fraud account associated to the fraud account XXXX XXXX account. Please have them to correct/delete this account from my credit file permanently! The most recent dispute was completed on XXXX/XXXX/2022. XXXX keeps allowing this same fraud account to continually reappear on my credit file under different names. Please help me stop this vicious cycle.Thank you
Consumer complaint received 2022-07-25
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. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2018-09-07
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. (OH)

Send debt validation letters to Trans-union. Upon receipt of documents they mention investigating the matter. 
However once the investigating was over they never validation from the creditor side the necessary documentation to the consumer. 
The creditor never provided to me ( the consumer ) all account information. 

By failing to do so, I caused me great injury to my personal credit.
Consumer complaint received 2018-09-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (IN)

I took out a payday loan at XXXX on XX/XX/2018. I am currently on my 3rd consecutive payday loan with them. The store even wrote on my receipt when I took out the loan that it was loan 3 of 6. The Indiana Small Loan Law document that they attach to your contract, states the  company is required to offer an extended payment plan at the time you enter your 3rd, 4th, or 5th consecutive loan. I went to the store on XX/XX/2018 to make a payment on my loan and was told I was ineligible for the extended payment plan until I take out a 4th loan. The manager stated she was sorry I misunderstood the Indiana Small Loan Law document, because XXXX starts their loans at number " zero '' so even though this is technically my 3rd loan, they consider it number 2. I asked the manager if she could hold the check until XX/XX/2018 and I could pay off the balance. She stated she could not do that. I know they are able to extend your due date from 2-4 weeks because I have taken out loans with XXXX in the past when I was paid monthly and they would have me due in 4 weeks instead of 2. The manager stated they could not work with me and that my check would be deposited on XX/XX/2018. She said once the check is returned to them then they would offer me a payment plan with an additional {$25.00} return check fee. I called the corporate office and they just called the local store and talked to the manager and reiterated what the manager had already told me. I believe this is deceptive practice by XXXX. They start you out at loan number " zero '' to extend the number of loans you have to get before utilizing the extended payment plan.
Consumer complaint received 2018-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OH)

XX/XX/XXXX single family home with one deed and two parcels. sold vacant parcel to private entity through Ditech 's " partial release of lien '' department. Sale closed. 


XX/XX/XXXX ditech escrow dept pays tax payment for vacant parcel XX/XX/XXXX Ditech pays additional {$330.00} on vacant parcel, ( one year in arrear ) XX/XX/XXXX Ditech pays XXXX County {$4600.00} for neighbor 's ( no longer vacant lot ) house and property. Mortgagee advises lender of error in XX/XX/XXXX. 

XX/XX/XXXX Mortgagee receives XX/XX/XXXX escrow analysis with repeated error, showing ditech intends to make two payments to county for each parcel, and advises lender escrow analysis is wrong. She is told they are re-running the analysis.

XX/XX/XXXX Mortgagee receives bill for roughly {$6000.00} for escrow shortage and calls lender. Asks for supervisor. tells the details of which parcel is owned jointly by ditech mortgagee and which parcel was sold. Is told they will investigate. 
XX/XX/XXXX Mortgagee receives check for {$4.00} from ditech with no explanation. Mortgagee is told escrow is correct and she owes {$9200.00} ( escrow for one year is roughly {$4500.00} : current tax bill is {$1700.00} for half the year and {$810.00} of hazard insurance ) The explanation is {$480.00} is scheduled to change.. 
{$1900.00} 12 months = {$770.00} Monthly Escrow. 

XX/XX/XXXX mortgagee calls lender to advise of resolution or legal action after she recieves foreclosure " pre '' letter. She is told by advisor that the county has told Ditech that the refunded to money to the homeowner, but I received no check. 

XX/XX/XXXX mortgagee calls County to find out to whom check was issued. County insists no refund has been given nor has been requested. Mortgagee calls Ditech to give them direct line to county assessors,  name of employee and email address to expedite refund request. Mortgagee asks for phone number and address of legal dept for corporate office. Is given a fax number. when she calls back to get correct phone, is told they dont have a phone number. 
XX/XX/XXXX mortgagee requests cancellation of escrow account, by email, and receives two emails from escrow agent XXXX XXXX that he needs the correct loan number. He is given two emails with a pasted loan account from ditech 's website. 
XX/XX/XXXX Mortgagee calls lender to request to speak to escrow. is told they dont have a phone number. Is told by supervisor Luwanee that ditech has requested a refund for the last two payments made on the parcel that was sold. I believe that they have made another error, because the tax bill is paid for one year in arrear, and they owed a payment through XX/XX/XXXX.
Consumer complaint received 2018-09-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IA)

This is a complex issue, and involves multiple factors. First, our home was impacted by a major flood in XX/XX/2008 declared as a national disaster by FEMA 4 years after we purchased our home. We were quickly pushed into a loan through SBA to repair our home without discussing if this was the right financial decision for us. This basically doubled our debt on the home. We did our best to pay the loans, but we had a child at that time as well pushing us further into debt. Regardless of the challenges, we continued to pay the loans the best we could relying on family and borrowing from my Retirement plan and taking on credit card debt. We applied for HARP loans on multiple occasions to give us a break from the high interest rate of the primary mortgage, but were turned down on multiple occasions. We did not qualify for a normal refinance due to the extensive debt we took on. 

We are now dealing with two structural repairs that need to occur on the home that cant be delayed for long, but in the end we want to be able to move out of our home. Our home has depreciated by XXXX, and no bank will lend us additional money for the needed repairs, and our property tax has increased drastically. With all of the factors involved we are 10 years into the disaster loan and 14 years into our primary loan, and still looking at an additional 8 years before we are right side up on the mortgage allowing us to move out. If I take on the additional debt to repair the home without a modification to our loan this will push us over our financial threshold and put us at risk of foreclosure. If the repairs are not made soon, this will put the home at risk of unrecoverable damage. 

We made one last effort to apply for a HARP loan, but no options were offered to take additional money out for repairs, and the bank is quoting XXXX in closing costs. We were denied a short sale, or loan modification by the primary lender, claiming we make too much money to consider. Wells Fargo manipulated figures to skew perspective to make a decision favorable to their company. SBA will not provide any reprieve and has threatened legal action if we foreclose. SBA claims that they evaluated our financial situation when the advised us to go this route, but clearly ignored my wife being pregnant that would lead to significant day care costs. They also lead us to believe this was our only option. Between the two banks I am trapped in a home in dire need of repair that I can't afford to fix or ignore.
Consumer complaint received 2019-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On Wednesday XXXX XXXX, I wasn't able to access my Capital One online accounts ; this unique Capital One log-in should have opened all my on-line accounts including checking, savings, IRA and credit accounts with Capital One. Even though I used the correct user name and password to log in, I wasn't allow access to my accounts. The only option offered to me through their portal to verify my identity by an alternative method was set to be through an old phone number XXXX ; this was my phone number before XXXX. 
I had no choice but to make a phone call to Capital One the next day Thursday XXXX. I was put through a series of redundant verification steps over and over through several customer service representatives in different offices. This process was complicated by the fact that allegedly I hadn't updated the phone number linked to my Capital One accounts supposedly since XXXX As a matter of fact, I did update my phone number with Capital One in XXXX and my current phone number has remained the same since that time. I have found in my e-mail account the e-mail notifications I received in XXXX confirming I had updated the phone number linked to my Capital One account. 
Please find attached as PDF the e-mail notifications regarding the successful update of my phone number in XXXX ; I am also sending an e-mail from XXXX ( XXXX ) which shows the actual phone number.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

I am requesting the removal of these bankruptcies ( below ) on my Equifax credit report due to their failure to provide me with verifiable proof required for their company to post the accounts. Listed below is evidence that it does not exist and therefore is proof that they can not properly verify the accuracy of any of the disputed account. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they were required to promptly delete all information which can not be verified., Equifax has violated the Fair Credit Reporting Act ( FCRA ). Furthermore, I disputed this inaccurate information on XX/XX/2018 and XX/XX/2018. I also contacted the bankruptcy court via mail and they stated they do not correspond with credit bureaus and never verified this information with Equifax, which documentation of said information by the Court is attached. Due to the inaccurate information on this bankruptcy and I asked Equifax to follow suit in which they did not and continue to report this unverified inaccurate information on my credit report. Attached are documents supporting my aforementioned claims against Equifax and its imprecisions.