davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-10
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. (MI)

XXXX XXXX XXXX XXXX- {$11000.00} this company is reporting an account that was opened in XXXX XX/XX/XXXX and was opened fraudulently. This account has finally come off my report and this debt collection company is reporting inaccurate date of being opened XX/XX/XXXX which is incorrect! 

XXXX XXXX XXXX XXXX {$2300.00} This company is reporting a debt from XXXX for cellular phones that weee fraudulently attained in my name. This is complete fraud. 

XXXX XXXX XXXX XXXX Amount Amount {$4900.00} this company is reporting a debt but would not allow me to continue to pay on my debt and they are reporting inaccurate amounts. I made several payment til they all of sudden closed my account and Ive paid down to about {$1900.00} on that account. 

I also have inquiries that I have never authorized nor applied for these things. Here are the inaccurate inquiries : 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 Credit Bureau XXXX XXXX I have never applied for any of these things and they are NOT my inquiries at all.
Consumer complaint received 2019-10-11
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. (CA)

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit and because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2023-02-10
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. (MA)

Dear XXXX XXXX XXXX ; XXXX ; XXXX ; and Transunion ; These are unfair entries on my credit report. I have been trying to get to the bottom of this account. I got into a car accident in XXXX on my XXXX, and the car was totaled my insurance told me not to worry about it and don't make a payment. I have proof that I still made the payments and your company refunded me over $ XXXX but yet told me that I was late during the month of XXXX and XX/XX/2023. How is that even possible? I believe this negative entry on my credit report is inaccurate because I have a record that my insurance company sent you {$42000.00} and i made a payment of {$3700.00} and other automatic payments of {$1200.00}... This monthly payment always comes out of my account religiously every month non-stop. How can you say that I missed a payment in XXXX and XXXX?
Consumer complaint received 2024-05-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

On XX/XX/2024, XXXX XXXX XXXX and XXXX XXXX XXXX communicated to Select Portfolio Servicing, XXXX ( SPS ) that the property was transferred into a XXXX. SPS responded that they received the request and will review. 30 days later, SPS then requested another 30 days to review the information. The 30 days has passed ; After which there has been no communication from SPS regarding the property transfer into the XXXX. 

However, SPS has sent a status to XXXX and XXXX that Foreclosure proceedings have started ; further diminishing the capacity for XXXX XXXX XXXX and XXXX XXXX XXXX to obtain credit. 

XXXX XXXX XXXX and XXXX XXXX XXXX is not aware of any Foreclosure proceedings as this mortgage account is still in dispute with the account owner XXXX XXXX and validation of debt with Select Portfolio Servicing, XXXX ( SPS ). which is evident in recent communications with XXXX XXXX and the attorney that SPS has illegally referred the mortgage account to.
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

XXXX XXXX XXXX  mailed me a letter stating that I was preapproved for a credit card. I used the EASY TO ECCPET YOUR CARD METHOD by phone, I was told that my credit card would be mailed within 2weeks ; yet I was not told that this preapproved credit card would place an hard inquiry on my credit report, I did not authorize this inquiry nor did I have any knowledge that an inquiry would be placed on my credit report. On XX/XX/2019 XXXX XXXX XXXX placed an unauthorized inquiry on my credit report I called XXXX  XXXX XXXX to inform them that I was unaware that the acceptance of a preapproved credit card would place a inquiry on my credit report, asked that XXXX XXXX XXXX remove this unauthorized inquiry from my credit report and have not received any confirmation that the inquiry has been removed yet.
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX  XXXX bank mailed me a letter stating that I was preapproved for a credit card. I used the EASY TO ECCPET YOUR CARD METHOD by phone, I was told that my credit card would be mailed within 2weeks ; yet I was not told that this preapproved credit card would place an hard inquiry on my credit report, I did not authorize this inquiry nor did I have any knowledge that an inquiry would be placed on my credit report. On XX/XX/2019 XXXX XXXX XXXX  placed an unauthorized inquiry on my credit report I called XXXX XXXX XXXX to inform them that I was unaware that the acceptance of a preapproved credit card would place a inquiry on my credit report, asked that XXXX   XXXX XXXX  remove this unauthorized inquiry from my credit report and have not received any confirmation that the inquiry has been removed yet.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was XXXX XXXX. Depending on which credit bureau you look at, XXXX XXXX reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau. XXXX XXXX sold the alleged delinquent debt account to XXXX XXXX XXXX. In XX/XX/XXXX, I paid XXXX XXXX XXXX for the full amount that I allegedly owed : {$16000.00}. Both XXXX XXXX and XXXX XXXX XXXX assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent. XXXX XXXX did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, XXXX XXXX XXXX refuses to update XXXX XXXX with this information or forward them the letter proving that I paid off the account in full. I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times.
Consumer complaint received 2017-07-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (IL)

OnXX/XX/XXXX I called Santander Consumer about my XXXX payment. I stated that I was not going to be able to pay the full amount and the customer service rep informed me that she could offer me an " extension '' on my loan that would put XXXX and XXXX 's payment on the back of my loan. I agreed and the customer service rep informed me it would take up to 10 days for Santander to process the extension on my loan. I called back and asked about the paperwork they were supposed to send me she stated that I would get an email and when I received the email to electronically sign the docs and my next payment would be on XX/XX/XXXX. I did n't receive the email until XX/XX/XXXX. I did everything they asked of me and thought everything was fine. I have my account to be set up with recurring debits so Santander actually still got a payment for XXXX in the amount of {$300.00}. Then in early XXXX I get a notification that I am 30 days late in XXXX. How can I be late in XXXX if my XXXX and XXXX payment was " extended '' and put on the back of my loan?? I called Santander and they stated that the paperwork was not finished processing until XX/XX/XXXXso that 's why its a late on my credit. Santander waited until my account was 30 days late then they processed the paperwork. That is fraud because they purposely waited until my account was past due then processed the paperwork. I called Santander to resolve this problem but they will not correct it. How can Santander say I was late for for a month that they put on the back of my loan. I have never been late or missed a payment since XXXX of XX/XX/XXXXwhen I got this loan and I have my account set up for recurring payments so this wont happen.
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OR)

Back on XX/XX/XXXXcontacted XXXX XXXX/collection asked them about this account # XXXX in the Amount of XXXX they advised me that they had Bought this credit card account from XXXX XXXXXXXX XXXX I advised them that the account not mine they look at the account that it was a valid account that I would with the CFPB case XXXX that was sent to the XXXX now the collection agency is caused my credit scores to Fall back in XX/XX/XXXXmy credit score XXXX XXXX XXXX they are now down to XXXX XXXX XXXX as of XX/XX/XXXX this Account was open on the Internet With out my Knowledge and yes there is a Police report made I also sent a letter of demand today by fax
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a Credit Card with Capital One. There were fraudulent charges on the account. They removed the charges after hours on the phone. Then a few months later they put the charges back onto the account without notifying my and then started calling me arguing with me on the phone saying that the charges were mine. I asked them to please notify me in writing what charges they were questioning. I never received anything in writing and they refused to resolve the matter. I then transferred any charges that I knew were mine to another credit card and in XX/XX/2018 asked them to close the account and let them know that I would not be responsible for the charges. I just received a statement out of nowhere today XX/XX/XXXX stating I have a much higher balance. I also was notified by the credit bureaus. I submitted these letters to the credit bureaus and they keep telling me that the account is correct!! I called Capital One telling them the WHOLE story again and that this was a final courtesy call regarding the matter. They did state that they received my XXXX letter asking them to close the account and didn't know why it was still open and said they would close the account but all of sudden we were disconnected ... which happened many times before. This time I actually asked if the person I was speaking to was actually was in the United States and they said no. I am hoping to have someone please investigate Capital One and my account and listen to the phone messages of the harassment from their fraud department. I hope this matter can be resolved. Thank You
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

In XX/XX/XXXX my husband XXXX XXXX XXXX got XXXX  and was XXXX  from XXXX until XX/XX/XXXX. We have reached out to Capital One and the credit agencies regarding the last payments that were posted to his account, Under the Care Act, creditors are not supposed to report late payments due to the pandemic, We are homeless and are trying to purchase a home but the late payments report is not allowing us to purchase a new home. We need this incorrect information to be removed so that we can apply for a VA home loan. my husband 's name is XXXX XXXX XXXX ssn XXXX and dob XX/XX/XXXX.
Consumer complaint received 2019-07-11
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. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (CA)

There are several companies multiple times in a short time period ( Im talking days ) that have pulled my credit without my written consent I have reached out to these companies, called, sent letters and they can not provide me with the accurate information of me giving them consent to fun my credit once let alone multiple times. 

XXXX  pulled my credit on XXXX, XXXX, XXXX, XXXX Exeter fin pulled my credit on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX pulled my credit on XXXX, XXXX XXXX pulled my credit on XXXX, XXXX, XXXX
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Adjustment Services of Harrisburg, Inc (IN)

In XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulently charged many people in the area including myself. Heres a link to a local article that states the facts - XXXX XXXX XXXX  They fraudulently charged me {$370.00}. Ive tried contacting this bank and they said they would reach back out to me, several times, and never did. this is the only thing on my credit, and its the only thing keeping me back from being able to get credit cards. this is ridiculous and is illegal! why cant XXXXXXXX XXXX fix this?
Consumer complaint received 2021-06-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (TX)

In the month of XX/XX/2021 U.S. Bank system some how drop one digit from my auto payment account causing a missed payment on a loan. I contacted the bank and no one was able to tell me why this happened. I was told to fill a dispute that's all. I have tried multiple times get this resolved but get little response from the bank.
Consumer complaint received 2018-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (CT)

I have a two family loan and a home loan with PHH Mortgage XXXX. 
I pay each of my mortgages with electronic bill pay through my credit union. Although I have spoken with PHH and provided proof of my payment day and proof of electronic delivery of these payments I have received notices of delinquent payment charging me a {$40.00} late fee each time. I just receive another notice in the mail saying my payment was late. I have checked my checking account and it shows the payment was posted on the XXXX. Each time I call to provide proof of dates payment was sent and receive ( I get this information from my credit union ) they argue with me and then tell me I can use my one time late payment forgiveness option and I then have to argue with them that I am NOT late and refuse to use the one time late payment option. Can someone please help me so I do not have to contact my credit union and then PHH to prove my payment was  delivered on time. This is becoming a habit with PHH and I do not feel it is fair for me to take time out of my work day to deal with this issue which is becoming reoccurring. Thank you for any help you can provide.
Consumer complaint received 2019-03-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NJ)

Our loan was previously serviced by XXXX XXXX XXXX. I was up to date and current with my mortgage. XXXX informed me in XX/XX/2018 that they will be transferring my loan as of XX/XX/18 to TMS ( The Money Source ). However, somehow TMS received my loan information in XX/XX/2018, and I have received delinquency notices saying that I have not paid my mortgage since XXXX. 

Since XXXX we have been in contact with both TMS and XXXX MANY, MANY times trying to get this issue resolved. At one point both companies had the same mortgage listed on our credit reports ( adding up to double the amount of our mortgage ), with XXXX showing as current, and TMS showing incorrectly as delinquent. After XX/XX/18 XXXX updated their information on our credit reports to show as closed and current. TMS is still showing on my credit report incorrectly as delinquent since XXXX. I was assured by TMS that the issue would be resolved by XXXX. It is the beginning of XXXX and still not resolved. TMS is now saying they can not help me because their records show I owe them the money. I have even provided them with our bank statements showing the mortgage payments to XXXX up to XX/XX/2018, along with the letter from XXXX confirming that the mortgage was only to be transferred to TMS as of XX/XX/18. The XXXX number I always called is now disconnected. It seems that the location is XXXX, NJ is no longer open ( I searched for XXXX corporate number and I left a message ( they do not give you the option to speak to a live person ). I have not received a call back. 

Now because of the mix-up between these 2 mortgage companies and through no fault of our own, this is causing us additional financial distress, as we have a leased car which needs to be switched over to a purchase/finance, and they will not approve us due to my credit report incorrectly showing we are 6 months behind on our mortgage. They have extended our lease for another month, and if this issue is not resolved before then, we face repossession of the vehicle, which will cause more unnecessary distress and damage to our credit! We should not be penalized and suffer the consequences of the errors between these two companies.
Consumer complaint received 2022-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OK)

I have been trying to resolve my home loan for the last 3 years without result. I have paid extra on my loan for the past 11 years and was under the impression that I would have paid it off by now, but instead they have continued to surprise me by charging more and more each year. The previous lender filed for bankruptcy and beginning XX/XX/XXXX I noticed payments werent posting correctly. I have called and called and faxed and submitted online review requests multiple times with different answers each time. The current lender Shellpoint-division of Newrez has additionally added {$4500.00} on XX/XX/XXXX to my principal balance, supposed fees from Bankrupt fees. I have neither authorized or ever filed for bankruptcy in my life. Upon pressure I was told it was previous fees not posted correctly. I requested a payment history and review to which upon review has many years of payment history missing and has multiple prior service cost assess and unapplied payments on the ledger. I have called and been told to write a dispute and I have multiple times-on XX/XX/XXXX after review of paperwork received and finding of charges imposed without authorization I sent another request of review to what they returned the response that they had already sent a response and to refer to the letter dated XXXX. This is a nightmare and a never ending loop of payments after payments without end for almost 20 years.
Consumer complaint received 2024-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Mohela did it again. Mohela is NOT FOLLOWING THE LAW. 

The Cares Act states if your income recertification date is within 6 months after payments restarted in XXXX then you do not have to recertify your income until the following year. The 6 month deadline is XX/XX/XXXX. My annual income recertification date is XX/XX/XXXX. XX/XX/XXXX is before XX/XX/XXXX. Given XX/XX/XXXX is within the 6 months, I do not have to recertify my income until XX/XX/XXXX. 

Mohela decided NOT TO FOLLOW THE LAW AGAIN and change my payment from {$290.00} to {$5800.00}!! This is ridiculous. Mohela needs to be held accountable and to follow the law.
Consumer complaint received 2024-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

PennyMac scheduled a foreclosure sale date while I have a complete loan modification package pending and there is a Veterans moratorium stopping all VA foreclosures. Reg X requires a servicer to not schedule a sale date while a complete package or facially complete package is pending.