davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Since the Covid-19 Pandemic, I started having financial hardship due to the decrease of my business and since then I started having difficulty to pay my mortgage payments. I requested help from Select Portfolio Servicing and back in XX/XX/XXXX they put me into a 3 months Forbearance program and not pay my mortgage payments. After the 3 months still in the same financial hardship they gave me another 3 months and another 3 months. My delinquency has increase and now they want me to pay them all the past due mortgage payments within 30 days. I have no way of paying them back when I am still struggling with my business. I have requested to put me into a deferral in which since they offer me the Forbearance they have mentioned that they were working on a solution to offer by the end of the Forbearance and the solution is Foreclosing on my home. I have no way to pay this Lender my delinquency in which they made me think that they were going put my delinquency at the end of my loan. I am asking for help with my lender to modified my loan or put my delinquency into a Deferral. I have attempted several ocasions to resolved this matter with my lender and have no resolution. I was informed that as of XX/XX/XXXX that Mortgage Payment Deferral became available to homeowners. Federal Funds Relief or any other type of funds that can be helpful to me as a Homeowner that due to the Covid-19 I was placed into this terrible hardship. Please help me save my home.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (MS)

We spoke multiple times with Navy Federal that we could not see our transactions online, and they couldn't fix the issue but only stated we have reached the max transactions to view online. When we asked what the number was, they were considered max, and they could not provide it.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I found out about this credit card bill that is in collections. I am a victim of identity theft and I never opened this card nor ever received a bill for this acocunt. Capital One has repeatedly denied my claim of fraud and I wish to state that the phone number and the address associated with the account are not mine. I had other fraudulent accounts opened over the last two years and they have all been deemed as fraudulent in my favor. I would like for Capital One to deem this account also as fraud as it was opened without my knowledge or consent.
Consumer complaint received 2019-04-19
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: Experian Information Solutions Inc. (SC)

I have an account that I am REQUESTING FOR REMOVAL OF OUTDATED INFORMATION To Whom It May Concern Please note that under Section 605 and 607 of the Fair Credit Reporting Act you are obligated within 30 days to delete obsolete information from my consumer credit report. The following items on my credit report are more than seven years old and exceed the statutory time period under this Act, and they be removed XXXX XXXX XXXX This account has been past the limitations date as well as inaccurate. 621. Administrative enforcement [ 15 U.S.C. 1681s ] I would like to avoid having to file any other complaints with the FTC over this issue. My Name is XXXX XXXX XXXX XXXX SS XXXX
Consumer complaint received 2019-04-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

My husband and I were unaware until XXXX that our mortgage company did not remove title and that they did not foreclose on XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Our bankruptcy was completed XXXX of XXXX, we moved out of the house XXXX and moved to Florida. On our bankruptcy our attorney checked retained to give us a year to complete our XXXX XXXX and have our children placed with other families. We contacted XXXX XXXX who was our mortgage lender to let them know to foreclose on the property. We did not hear anything from them until last year when I learned that they didn't re-title until XXXX. I informed Rushmore XXXX that we had a bankruptcy and provided them with the documentation. I have recently learned XX/XX/XXXX that they are reporting the debt on our credit report and refuse to remove. I filed a dispute and they are being uncooperative. 

We need help to remove this debt and also change the date in which we owned the property to XXXX. We were not in the home and it is not our fault that the loan was sold several times and that XXXX XXXX was being sued. We did what we were suppose to do and now they are preventing us from purchasing a new home.
Consumer complaint received 2018-09-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

I HAVE A LOAN THROUGH CHASE AUTO I SENT IN A CEASE AND DESIST LETTER FOR PHONE CALLS DUE THEM CONSTANTLY CALLING 2-4 TIMES A DAY AFTER ACCOUNT BEING PD 5 DAYS PER THEIR POLICY AND CAUSING TROUBLE WITH MY JOB EVERY TIME THEY CALLED. AFTER THEY RECEIVED MY LETTER THEY MARKED MY ACCOUNT AS A " SPECIAL COLLECTIONS '' ACCOUNT WHICH DISABLED MY ABILITY TO MAKE PAYMENT THOUGH THEIR AUTOMATED SYSTEM AND OR ANY AGENT OTHER THAN THOSE HANDLING MY ACCOUNT WHICH IS A VERY LIMITED DEPARTMENT I USUALLY PAY MY ACCOUNT EVERY XXXX DAY OR SO DUE TO PAY PERIODS WHEN I ATTEMPTED TO MAKE PAYMENT THE AGENT REFUSED TO TAKE MY PAYMENT OVER THE PHONE AS HE CLAIMED I HAD TO ONLY SPEAK TO THIS FICTITIOUS DEPARTMENT MY ACCOUNT WAS PLACED UNDER I RECENTLY RAN MY CRDIT AN I AM SHOWING 2 30 DAY MARKINGS ON CREDIT DUE TO THEIR MARKINGS AND ACCOUNT RESTRICTIONS I DONT AGREE WITH REPORTING AS IF I HAD A REGULAR ACCOUNT LIKE A REGULAR CUSTOMER I WOULD HAVE BEEN ABLE TO MAKE PAYMENTS LIKE I ALWAYS DID NO ONE EVER NOTIFIED ME OF THIS SPECIAL COLLECTIONS DEPT AND NOR DID I GET NOTICES I HAD TO SPEAK TO LIVE AGENTS WITHIN THIS DEPARTMENT TO COMPLETE PAYMENT I WAS SET UP FOR FAILURE.
Consumer complaint received 2018-09-14
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. (TX)

As an INJURED consumer, I must state that I am currently without information or knowledge sufficient to form an opinion as to the truth or accuracy of the data providers claim ( s ), and based on that I elect to deny generally and specifically the accuser 's claim. Please demonstrate confirming testimonial certification physically verifying the absolute and irrefutable validity of every aspect of claim in its entirety to the undeniable full truth, correctness, completeness, ownership of, responsibility of, compliance of, and document evidentiary PROOF of the alleged compliant reporting or else eradicate any and all unproven, unverified, or uncertified aspects of derogatory reporting. Perfect lawful reporting is REQUIRED for you to possess legal standing so report in proven compliance immediately today, even here and right NOW! I request that you VERIFY the VALIDITY of all claims physically, CHECK for the factual and precise CERTIFIED COMPLIANCE OF REPORTING and REMOVE or MODIFY as needed any item ( s ) of derogatory allegation of which the PHYSICALLY VERIFIABLE VALIDITY and or the CERTIFIABLE COMPLIANT REPORTING is deficient or missing via willful derelict OR even if dereliction is due to ignorance. To collect any claim MUST be verifiably VALID, and to REPORT the alleged VALID COLLECT-ABLE derogatory information MUST be of a documented CERTIFIED COMPLIANT REPORTING, such as to the true, correct, complete, timely, and undeniably factually perfect METRO 2 FORMAT reporting compliance standards! VERFIFY PROPERLY BOTH the VALIDITY OF and PERFECT CERTIFIED COMPLIANT REPORTING OF all claim ( s ) and every aspect of claim ( s ) OR ELSE permanently REMOVE THE FOLLOWING DATA/ACCOUNTS and or the undocumented derogatory aspects of such data/accounts : Account name TEXAS XXXX EMPLOYEES CU Account number XXXX ....
Consumer complaint received 2019-04-19
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. (SC)

I have an account that I am REQUESTING FOR REMOVAL OF OUTDATED INFORMATION To Whom It May Concern Please note that under Section 605 and 607 of the Fair Credit Reporting Act you are obligated within 30 days to delete obsolete information from my consumer credit report. The following items on my credit report are more than seven years old and exceed the statutory time period under this Act, and they be removed XXXX XXXX XXXX This account has been past the limitations date as well as inaccurate. 621. Administrative enforcement [ 15 U.S.C. 1681s ] I would like to avoid having to file any other complaints with the FTC over this issue. My Name is XXXX XXXX DOB XXXX SS XXXX
Consumer complaint received 2019-04-19
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. (GA)

On XX/XX/2019 a hard inquiry appeared on my credit report from XXXX, I didn't initiate this inquiry therfore it is fraudulent. I contacted XXXX and Trans Union and they are requesting a letter of deletion from the company. I contacted XXXX  corporate and they are unable to pull up the inquiry and referred me to consumer finance.gov.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed a company by the name of XXXX for about 2 years. I never signed a legally binding document with this company or obtained any type of financing with them. This account does not belong to be and Transunion refuses to provide me with documentation proving that the account is mine. This account should be deleted and removed as it is violating my rights and fraudulent. Ive previously submitted both ftc and police reports regarding this account which have been ignored. In addition the account shows up as needs attention with 0 % left to pay on this loan. The information reporting is conflicting, the account does not belong to me, and its affecting my report leading to inaccurate credit scoring.
Consumer complaint received 2019-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

This is the second complaint. Caliber Home Loans is committing ongoing escrow fraud which is very tiresome. They don't respond to letters or phone calls or emails.

( 1 ) PMI should be removed. We paid {$300.00} in XX/XX/XXXX for an appraisal which valued our home at {$370000.00} ( their fraudulent BPO said $ XXXX which is laughable ). 

( 2 ) escrow fraud. We were never reimbursed for homeowner 's insurance despite the company continuing to collect for insurance in the escrow. As a further insult their XX/XX/XXXX purported new escrow calculation assumes PMI into XXXX - this is false. Under the 1998 PMI Act, PMI must be removed in XX/XX/XXXX, so how can they addPMI for a full year XX/XX/XXXX to XX/XX/XXXX to calculate the escrow? Fraud is the ONLY explanation.
Consumer complaint received 2019-04-19
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. (LA)

Experian, is reporting inaccurate information -- I do not owe this debt to this collection agency -- the contract was cancelled/ended " NO CONTRACT '' and yet Experian is reporting I owe this debt to this company, how can a Collection Account/Experian report a past due balance, and a balance owed ( violation ) I have disputed this account with Experian many times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I Lastly disputed this ACCOUNT XX/XX/XXXX, Experian has FAILED to update the status, there last date of is status is XX/XX/XXXX '' ) ( Violation ) and this issue isn't resolved yet, Experian  keeps responding it has been verified with no proof- of a signed contract bearing my signature that binds me to this debt, or other documentation of validation -- Experian is verifying this debt through previous disputes, and electronically through XXXX this is unacceptable and very unfair to me as a consumer, ( I requested in writing to have human interaction to verify this debt thoroughly ) this has been ongoing for 1 year going into 2 ... .. This is giving me a negative mark on my credit report and making it hard for me to obtain credit..DELETE THIS ENTIRE ACCOUNT IMMEDIATELY!!!
Consumer complaint received 2019-04-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (MT)

This checking account is our business checking and I sit down monthly to do our books. At that time I noticed a {$500.00} charge on XX/XX/XXXX that stated it was a business to business transaction with Ally Bank that stated my name XXXX XXXX XXXX. I have not connection with Ally Bank and if fact have never heard of them until this happened. I tried to find out about the transaction and XXXX XXXX customer service was not much help so I decided to go down to the branch and speak with someone. As he was looking at our account we noticed another one that day earlier that looked exactly the same but was for {$470.00} on XX/XX/XXXX. We called in to ALLY to try to get more information about the transactions with the trace numbers and Ally Bank couldn't give us any information on those transactions and had no idea who I was and didn't have my name or ss number in their system. It is very apparent that someone paid 2 bills fraudulently with our business bank account number and we want our money back. Because it was an ACH transaction the regulation states that it needed to be caught within XXXX XXXX because it was a business account and even though it was fraudulent, would not be able to give us our money back. In the past when I have ever done any type of transaction like this I had to do multiple verification process and it is crazy that someone can have our bank account information and pay their bills so easily.
Consumer complaint received 2023-06-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (CA)

I have a lone with access bank for XXXX years, Never been late, we send a check in and it bounced because of issues we had the money at, there was plenty money at the bank. The access bank supposed to redeposit check but they never did, they waited 3 months then they send us the registered mail saying we are in the pre foreclosure mood and instead of XXXX, XXXX they want XXXX dollars, they never gave us prior notices that they want to play all this games and they pushed us to 18.1 % interest rate. Do not know what to do desperately need government regulation help to dial with this criminals.
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

In month of XX/XX/2018 i have asked for a credit line increase for CITI Double case credit card. and i got a line of increase upto {$5000.00}. i am making my payments regularly never missed a payment for my any card and today i was checking my credit report i can see 35 points down in my credit report, upon checking found that i was having 2 CARD from Citibank 1 ) is CITI XXXX card ( usage % 107 ) and 2 ) Double case card ( usage % 59 ), i made Full payment for my XXXX card and next day i see my credit line reduced for double case card from XXXX to XXXX. 
CITIBANK reduced the credit line from XXXX to XXXX Limit. Which changed the credit line usage % on my score and it decreased my points by 35 points.upon checking with Bank specialist they are mentioning we see you have revolving credit on your account and we reduced the limit on your card and we have sent notification via mail today. When bank decide to reduce some one line of credit did you discuss with customer? Did you check if the revolving credit i have as if i am not making any payments? did i came in any ones defaulter list? without checking any factor how bank can reduce some one line of credit. 

Please guide me how to convey my message to bank that this type of situation can affect someone credit score and it take ages to build score and maintain for a customer.
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-07-06
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. (NY)

ACCORDING TO 15 USC 1681I - XXXX AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-07-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MS)

The following accounts have been disputed multiple times, and each time the accounts are updated as verified. I have requested on multiple occasions for proof of verification due to these being medical debts that I have no knowledge of, and I have yet to be provided with copies of these verifications! I am requesting these accounts be deleted immediately from my report for failure to comply with correct protocol on supplying proof of the listed debt! 

XXXXXXXX XXXX XXXX XXXX : XXXX Amount : {$1200.00} XXXX XXXX XXXX XXXX Amount : {$660.00}
Consumer complaint received 2019-04-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I received a leter in the mail from Portfolio Recovery dated XX/XX/XXXX stating that they were seeking payment for an alleged credit card debt from XXXX. I have no recollection of the account. The letter states that the default date was XX/XX/XXXX. The amount of the debt is listed as {$6900.00}. The first page of the letter states, " The legal time limit ( statute of limitations ) for suing you to collect this debt has expired. However, if somebody sues you anyway to try to make you pay this debt, court rules require you to tell the court that the statute of limitations has exprired to prevent the creditor from obtaining a judgment ''. It goes on to say, " Even though the statute of limitations has expired you may choose to make payments ''. The letter then goes on to offer various payment options. This alleged debt has not been verified. This alleged debt is also YEARS beyond the statute of limitations. This company has a long and storied history of unethical business practices and I am seeking to have them cease all future contact with me and all efforts to make collection on this alleged debt. I am an XXXX XXXX XXXX widower on a minimal fixed income. The stress of having a collector write to me asking for thousands of dollars is unnerving and unforgiveable.
Consumer complaint received 2022-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balanced Owed : {$0.00} XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX