davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

SPS has been very fraudulent and dishonest with me on several occasions. 
1 ). On two occasions when I have written to enquire of dishonest activities, I have received letters from SPS stating that I called to state I was struggling financially. SPS will then offer more 'fishy ' deals rather than reviewing the complaints. This is very dishonest because I never called SPS. 

2 ). I have asked twice for a payoff amount to my mortgage and I have been given two different quotes with a difference of several thousands of dollars 3 ). SPS has on several occasions without adequate verification dishonestly charged fees and Escrows of several thousands of dollars to mortgage accounts. This is so wrong I am sincerely asking for a thorough audit of this company to review its financial irregularities. 
Please see attached.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX and XXXX XXXX NOT MY NAMEs THESE ARE NOT MY ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

I am following up with a response to your letter dated XX/XX/year>, in which you assert that I owe a debt to your agency. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and request that you provide me with the following information : I have no record of entering into any contractual agreement with your agency. As such, please provide a copy of the original, signed contract or agreement that establishes my obligation to pay your company this debt you brought, not my personal information.

I remind you that under the FDCPA, you are obligated to cease collection activities and reporting anything on my credit files until you have provided the requested verification of the debt. Failure to comply with this request within XXXX days of receiving this response will be considered a violation of the FDCPA. I will use all remedies available to file a federal lawsuit against your company.
Consumer complaint received 2023-06-26
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. (WV)

In accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights and confidentiality under 15 U.S.C. Sec. 1681. 


I told the XXXX, XXXX, and Equifax to reinvestigate these accounts ( 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 2022-04-15
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-04-15
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. (NY)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-26
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)

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 reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-15
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the Fair Credit Reporting Act XXXX, the companies listed have 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 2022-04-15
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: NCB Management Services Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX, the companies listed have 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 2018-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

Every morning just after XXXX XXXX. I get a call from XXXX. Answered the call today and someone asked for a person I have never heard of. Because of their corrupt practices it may be someone in my neighborhood that they are trying to shame into paying a debt. A check of that number comes back to XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am on the do not call list and would like to see these people pay for what they are doing. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. When I got to the end of this form it makes no sense, I am only harassed because they call my phone number. I owe no debt and so the questions on you form make not sense.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To XXXX, XXXX, and TransUnion this message is in regards to an account 1. XXXX 2. XXXX 3. XXXX 4. XXXX/XXXX 5. XXXX XXXX XXXX/XXXX all are listed as closed. I am not aware of these accounts belonging to me. I am not sure if this was by mistake, done on purpose or a fraudulent act but this is not a laughing matter it is an major error and misuse that I would like to see removed from my credit report immediately. I contacted XXXX but I did n't get a response back so I do n't know if this is a game being played or what. At this point I have contacted my lawyer and we are scheduling to go over to the county court house to get an affidavit for all the companies listed, including XXXX, XXXX XXXX, and TransUnion. Please be aware that I have contacted my personal private investigation team, FTC, and The State Attorneys Office to handle this case. If for any reason this was placed on my credit report, the companies will suffer the consequences. This is my last attempt to resolve this matter and anything after this message wo n't be answered by myself, you 'll have to deal with my lawyer. 

Thank You
Consumer complaint received 2016-01-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

The Ditech Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX was not correct. The statement had a double billing for XXXX XXXX in the amount of {$3200.00} for " Taxes ''. The Ditech error raised my XXXX/XXXX/XXXX payment to {$1900.00}, which is not correct. I contacted Ditech on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for resolution. Noticed a Ditech Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX, which stated payment due of {$1900.00} on XXXX/XXXX/XXXX and payment due of {$1600.00} due on XXXX/XXXX/XXXX. I dispute the payment of {$1900.00} due on XXXX/XXXX/XXXX. I assert the payment due on XXXX/XXXX/XXXX should be {$1600.00} and moving forward the XXXX of each month. Contacted Ditech on XXXX/XXXX/XXXX to dispute their second error, and Ditech stated {$1900.00} due on XXXX/XXXX/XXXX and refused to correct their error resulting in the erroneous amount due on XXXX/XXXX/XXXX.
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My date of birth is XXXX. I am currently Self Employed XXXX Independent XXXX LLC My current and only address XXXX XXXX CT, XXXX, OH XXXX the following addresses are not mine please delete them. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act,  you are required to comply. My name is XXXX XXXX XXXX. My date of birth is XX/XX/XXXX. I am currently Self Employed XXXX XXXX XXXX XXXX My current and only address XXXX XXXX XXXX, XXXX, OH XXXX the following addresses are not mine please delete them. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (CA)

I had applied for a balance transfer to lower my interest rates. I transferred my XXXX  XXXX credit card to my XXXX credit card. XXXX says that the transfer went through and the balance transferred on XX/XX/18. Yet, my XXXX  XXXX balance never shows a transactions so I was stuck paying two balances on both cards. XXXX hasn't been helpful in telling me what is going on and who actually cashed the check. They keep opening claims but I get nowhere and have been accruing late fees.
Consumer complaint received 2023-06-26
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. (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 reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, XXXX XXXX at XXXX XXXX XXXX reported that my XXXX account was CLOSED ( see page 16 of attached credit report ). However, afterwards, they continued to collect and make negative reports to all three credit bureaus. Isn't this a violation of Fair Credit Reporting Act? They report that my account is CLOSED which signifies they have stopped collecting, but then make negative reports after XX/XX/2021 stating that my payments were late. When I saw the CLOSED XXXX account on my credit bureaus, I reasonably concluded that the account is closed and thus I am not making payments. Any reasonable person would assume this. However, it is unethical, fraudulent, misleading and violating of Fair Credit Reporting Act to continue to make negative late payment reports to a consumer 's account after reporting that the account is closed.
Consumer complaint received 2022-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

I do not owe this debt, I am 100 % sure. The short, vague description they provide from the debt is enough for me to know it's not mine. They are causing damage to my credit report/score that I don't deserve. 
I don't have documents to provide obviously, since this debt is not mine.
Consumer complaint received 2022-04-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc. (NC)

Loan was bought out by XXXX XXXX XXXX XXXX Never agreed to any of terms and adds a hidden late fee of XXXX dollars a day to loan. Still pulls it out of my checking account and saids Im late.
Consumer complaint received 2020-02-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I called Experian, XXXX  and XXXX  to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the creditor who reported they have reported the new updated accurate information through e-oscar but Experian, XXXX  and XXXX  still refuse to update the information. Experian, XXXX and XXXX  has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at Experian, XXXX  and XXXX  infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, Experian, and XXXX XXXX ).  As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions Experian, XXXX  and XXXX is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.
Consumer complaint received 2019-07-16
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. (IL)

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX   have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2023-02-22
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. (FL)

It looks like XXXX is up to its old tricks and didn't learn their lesson back in XXXX when they were fined {$28.00} XXXX for deceptive debt collecting practices because as of XX/XX/XXXX, XXXX randomly closed my account ( XXXX ) and illegally froze all funds and my access without any warning. My debit card, ATM usage and online account functions were blocked and inaccessible without adequate notice. 

On XX/XX/XXXX, XXXX mailed a letter to me that states they have no alternative but to recommend [ Account # XXXX ] for legal action. based on a delinquent account. The letter also implied that I will find it difficult, if not impossible, to obtain additional credit because of my present unsatisfactory credit rating. XXXX did not analyze my credit situation before sending me the letter. This is in Violation of Section 1036 ( a ) ( 1 ) ( B ) of the CFPA, that prohibits unfair, deceptive, or abusive acts or practices. 

The injuries I have sustained were not reasonably avoidable because XXXX 's policies and practices regarding electronic access and service restrictions were never adequately disclosed to me when I opened my deposit accounts, credit accounts, or before I became delinquent on a credit account. XXXX 's electronic account access restriction activities, constitute unfair acts or practices in violation of sections 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA, 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( 1 ) ( B ). 

On XX/XX/XXXX, XXXX failed to cease and desist all forms of communication, reporting these inaccuracies on my credit report. This is in Violation of 15 usc 1692 ( c ).

Lastly, both the CRA 's and Creditors did not have permissible pursuant to 15 US Code 1681b : a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I have contacted the Attorney General 's Office, XXXX and the CFPB TWICE and nothing has changed. 

The {$28.00} XXXX was just a slap on the wrist for XXXX. I highly recommend that they learn a lesson by way of stiffer penalties and fines. 

I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as XXXX willfully violated its obligations under the FCRA.
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (PA)

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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.