davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
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. (MA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2018-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANCORP ()

Good afternoon I have my mortgage with XXXX XXXX XXXX in XXXX XXXX XXXX XXXX. Since last year I been asking the for my Billing Statement and they refuse to send me the document instead the continue send me a regular payment book, This is not providing me with the information require by Billing statement Act. Today I call again and spoke with the servicing manager XXXX XXXX and she told me that they are not obligate to send this document they are sending this document only to the clients with direct payments. they have more than 2,500 loan on servicing and refuse to comply with the Billing Statement establish on XX/XX/2014. My Loan number is XXXX and my full name is XXXX XXXX. My phone number is XXXX I appreciates your help on this matter
Consumer complaint received 2024-05-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

During the months of XXXX and XXXX I was searching for an apartment to rent. I utilized a resource recommended by the XXXX for servicemembers seeking housing ( XXXX  ). I responded to a listing on there on XXXX XXXX and was told that I needed to send them the security deposit and first month 's rent in order to secure the unit for move in. I signed a " lease contract '' and sent them the document via email on XXXX XXXX. The total amount for the above was {$3000.00}. I sent the first {$1000.00} through XXXX ( provided by my bank USAA ) on XXXX XXXX, then again on XXXX XXXX. I then sent {$500.00} on XXXX XXXX. I attempted to wire transfer {$500.00} directly from my bank but was unsuccessful for some reason on XXXX XXXX. I sent the final {$500.00} on XXXX XXXX, again thru XXXX. On XXXX XXXX, I was told I needed to pay a fee for something called a " Tenancy ID '' due to city policy and I submitted a further {$780.00} to cover that through XXXX. I then asked to view the property as the Property Manager stated the unit is not available for viewing until XXXX XXXX and got an odd response. Subsequent attempts to contact them have been met with silence. This was when I realized I was scammed and reported it to USAA. After XXXX rounds of dispute submissions, USAA declined to help me recoup my funds, citing the terms of use. 

All contact with this scammer has been thru email and the total amount of funds transferred to them is {$3700.00}
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (OR)

To whom it may concern : My name is XXXX XXXX social security # XXXX. I've worked hard to build my credit over the years and have not had a major late payment on any of my credit cards for years until just recently i noticed something that is affecting me. My credit card payment to Sears credit card was set up with automated payment. I had a family emergency right before this late payment happened which is now causing negative consequences in our ability to get approved for a home due to this 1 late payment on my credit report. The family emergency required that I leave my family for a month to help with another family member in a different state. I was unaware that my automated credit card payment had not gone through and had made my credit card bill 30 days over due causing my credit score to plummet from what I had worked so hard to get it up to over the years. I was unable to get notifications of the payments not going through due to me no longer having access to the email address on file with XXXX XXXX that they normally sent me messages to. My only access to that email address where I would normally get notifications was through a laptop that was damaged So I was unaware this had taken place when I was away from my husband and kids. Long story short, during this time I was away from home, the bank that my automatic payments were coming out of had a problem with there system and my automated monthly payment to Sears card did not go through ( they said it was a " glitch '' in the system ) causing the 30 day late hit to my credit report which killed my credit score now severely hurting my families chances of getting approved for a home loan we have worked so hard to be able to apply for. I apologize for this error on my part even if unintentional on my part. This is my only 30 day late payment on any of my credit card account. I will make sure that this never happens again. I am humbly asking if you could please see if Sears credit  card could remove that 30+ day late payment from my account so that my credit score can go back up to where it was before this horrible mistake on my part. This is a request for a goodwill adjust to my payment history to take away that late payment from my account. You will never know how much that would mean to me if you could help with this request. XXXX XXXX XXXX ps this is for the missed payment on XX/XX/2018 XX/XX/2018
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Equifax keeps adding a ( XXXX XXXX to end of my name MY names is XXXX XXXX as to the letter sent out on XX/XX/2019 error after error with Equifax
Consumer complaint received 2019-09-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION (TN)

I recently applied for a mortgage loan with BB & T bank and was connected with XXXX XXXX. I submitted my completed loan application on XX/XX/19. Both me and my realtor expressed the need to be expedient since the seller had already accepted my offer. XXXX rarely responded to any form of communication. She has not once called since the application was submitted. I emailed her several times asking for an update. I was finally able to reach her several days later when she confirmed that one of my documents came through blank. After asking repeatedly for updates regarding the process, she informs me on XX/XX/19 that there are dispute comments listed on my credit file. I immediately called all three bureaus and requested to have any dispute comments removed. I received confirmation that this was completed and forwarded them to Ms. XXXX. She insisted that the dispute comments are still on my file. I called all three bureaus again and received confirmation from each that they were in fact on the reports, but have been removed. I pulled my credit myself from each bureau to confirm that all the disputes had been removed. We were approaching our deadline to have the home inspection completed so I reached out for an update again to see where we were with the financing. Since Ms. XXXX did not respond to either me or my realtor, I called the bank directly and requested her manager 's number. Upon speaking to her manager, she immediately texted me and informed me that my loan was denied due to the disputes. I have provided everything Ms. XXXX has requested from me in order to process the loan within hours of her request. Regardless, she was very uncooperative. I believe that the loan was denied because I reached out to complain regarding the service. Due to her lack of professionalism, I will lose the opportunity to purchase this property. I would like someone at the bank contact me regarding the service I received. I also have copies of the text messages, credit reports, and unanswered emails that I would be more than happy to supply.
Consumer complaint received 2018-11-27
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. (AZ)

Credit Bureaus verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB to remove the account XXXX  XXXX XXXX
Consumer complaint received 2022-07-27
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. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (SC)

Hello : I am XXXX XXXX and LVNV Funding LLC is reporting on all three of my credit reports and they should not be. This account is paid and closed and should reported as such and then removed. 

I have paid this account.
Consumer complaint received 2018-11-27
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. (AZ)

Credit Bureaus verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB to remove the account XXXX XXXX XXXX
Consumer complaint received 2020-07-30
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. (TN)

I received Dispute Results Report # XXXX for XX/XX/20 Experian has my Public Record Unchanged and they used the XXXX Consumer Center to obtain their Public Record Information ... 

I Contacted XXXX Consumer Center Twice to obtain my Public Record Information as Stated on my Credit Report but they could not  Verify the Information I have Attached Evidence of my Correspondence with XXXX Consumer Center ...
Consumer complaint received 2018-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

Two weeks ago, family members began telling me that they were receiving odd messages on their home answering machines concerning me. Some of them were threatening legal action and demanding a return call and many answered calls continued even though this company was told that I could not be reached at their numbers. These are the first of many collection violations under the FDCPA, FCRA, and Texas Finance Code. There are even FTC violations occurring as well. My family members have saved and given me every single voicemail that was left by this agency and one particularly resourceful person was able to record a threatening telephone conversation between themselves and an agent of this company. This company made claims of a civil case being processed against me, however, a good friend works in the city office and assured me this is not the case. This is a common harassment technique used by unethical debt collectors. Yet again, another violation of numerous debt collection governing agency laws. 

I looked up the contact information for this company and sent them a cease and desist notice and a debt validation request, as I was unaware of what this company wanted me with. These letters were sent by certified mail and delivered on XX/XX/2018. This company has persisted with collections and has now even reported to XXXX and XXXX credit bureaus without validating the debt, which is now yet another violation to add to a long list of actions that are for liable for damages under numerous governing agencies.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Glass Mountain Capital, LLC (VA)

Original account was opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XX/XX/XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Glass Mountain Capital LLC XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX Debt : {$610.00} I was unaware of this account until contacted by phone XX/XX/XXXX from Glass Mountain Capital . Following the call, I received a letter from Glass Mountain Capital with an attached copy of the lease agreement disputed by me. The email address used on the agreement is incorrect and neither of the 2 debit cards used for payment belong to me. I do not have debit cards ; only 2 credit card accounts.
Consumer complaint received 2022-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

According to the Fair Credit Reporting Act, debt collectors are required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Account : Portfolio Recovery
Consumer complaint received 2019-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NH)

On XX/XX/XXXX Select Portfolio Services offered me a repayment plan with the following details : {$3300.00} for 6 months and {$70000.00} balloon payment. The 1st payment will be due on XX/XX/19. This information was provided by two representative of Select Portfolio Services, XXXX XXXX and XXXX XXXX who represented themselves as 'Supervisors '. However during this time that I was under review for a Hardship program, Select Portfolio Services was pursuing a foreclosure date of XX/XX/XXXX. I understand this is a violation of Federal Dual Tracking law that a lender can not pursue foreclosure while reviewing a homeowner for a loan workout program. Because Select Portfolio Services was illegally pursuing foreclosure for the next day, I was forced to file bankruptcy to save my home. Now they are telling me the repayment plan has been cancelled because of the bankruptcy. The bankruptcy I wouldn't have had to file if Select Portfolio Services hadn't violated Dual Tracking law. 

Select Portfolio Services currently has a sale date on my home for XX/XX/XXXX even though I am protected by Bankruptcy. They sent me a letter stating the home was protected by a 'Stay ' but have a sale date anyway. I understand this violates US Bankruptcy law as well as the Fair Debt Collection Practices Act. We were told this by Select Portfolio Services representatives XXXX XXXX on XX/XX/19, XXXX XXXX on XX/XX/19, and XXXX XXXX on XX/XX/19, all of whom represented themselves as supervisors. They refused to recognize there was an illegal sale date and simply told me they would look into it and get back to me. I never received a call from anyone at Select Portfolio Services.
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I opened a checking and savings account with Fifth Third bank on XX/XX/XXXX. It was immediately flagged as fraudulent and I can not log in online. I have been on hold to try to get it unlocked for XXXX hours. I have talked and complained many times. Never able to talk to anyone. Hung up on several times. 

I am now getting emails saying my account is overdrawn. I want to close my account but I am told I have to also wait on hold to on this line just to close my account. I don't know what to do. I am not even sure if there is someone that works in this fraud department. I don't think if I even go into the bank I can solve this problem.
Consumer complaint received 2022-04-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (GA)

On XX/XX/XXXX I finance a XXXX XXXX XXXX truck with credit acceptance corporation. Included with the finance charges should have been the premium but was not, I had to purchase a separate insurance from the finance charge. And the the law says anytime you finance a vehicle the premium should be included in the finance charges.It was not, so therefore Im demanding compensation for violating my right as a consumer.Im demanding compensation for the premium, compensation for violating my right as a consumer and also deletion of all consumer reporting agency and the title to the XXXX XXXX XXXX truck. Based .on the law it makes the contract null n void by deception.
Consumer complaint received 2018-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

I received a collection notice from afni, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL XXXX about a debt collection for creditor : XXXX XXXX XXXX XXXX dated XX/XX/2018, the amount of {$480.00}. 

My wife called both companies on my behalf because I am out of town and this needs urgent attention. She spoke to the fraud department of XXXX XXXX XXXX and explained the situation that I am being billed for the services I never ordered from XXXX XXXX XXXX. In fact, this is the second time afni colleciton company sent me a bill, the first one was last year about XXXX XXXX. This time is XXXX XXXX XXXX XXXX of which XXXX XXXX is also subsidiary. According to XXXX XXXX XXXX  staff my wife spoke to, the user was from XXXX, XXXX, Michigan. There is no street name XXXX in my XXXX research. Both XXXX XXXX XXXX and afni refused to provide the street number. XXXX XXXX XXXX acknowledged that there is a fraud on this bill. The bill was sent to my address in California. My last four digit number was being used as well. I believe this is an extortion on part of afni and XXXX XXXX XXXX knowing my address in California should already make XXXX XXXX XXXX knows that the user is from XXXX, MI and yet it sent the collection notice to me at my address in California.
Consumer complaint received 2019-09-06
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. (CA)

To Whom It May Concern, On Friday XX/XX/2019, I was attempting to dispute incorrect address information on my free Experian credit report and was unable to use their website or follow their instructions to submit a dispute. I was given three options for verifying my identity, online, phone or mail and tried to call them via the phone number. However, when I called there was no way to speak to an actual representative to verify my identity. I tried using all of the options on their automated response system and after an hour was unable to get to an actual person. As a consumer, attempting to correct my personal information I find it misleading by Experian that I can not verify my identity in the manner presented. 

The number that does not in fact lead to a service representative is given on the Experian website - XXXX. My experience was that they do not care to have someone talk to with me without my paying them for my own personal information. I find this is a violation of my consumer rights. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-27
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. (TX)

I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) to contest the presence of incorrect and faulty accounts on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any incorrect or incomplete information on my credit report. Upon reviewing my credit report, I have discovered several accounts that contain inaccurate or erroneous information. The accounts I am disputing are : XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX Balance Owed : {$29000.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX XXXX Balance Owed : {$9900.00} XXXX XXXXXXXX XXXX Balance Owed : {$820.00}. The information in these accounts is incorrect and does not accurately represent my credit history. I request that you investigate this matter and correct any inaccuracies found. The FCRA 's section 611  mandates credit bureaus to investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, section 609 of the FCRA requires credit bureaus to provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.