davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

After my mother passed away in XX/XX/2018, I took over her mortgage with the bank XXXX XXXX XXXX XXXX. In a matter of a month later the bank sold the mortgage to SPS ( Select Portfolio Servicing ). At that time the monthly payment was {$950.00} insurance included. 2 to 3 months later the monthly jumped to {$1000.00} then {$1000.00}. 

When I called them they asked me for some type of identification which so far was normal a step. Things were going smooth until an expert asked for more proof without telling me what exactly he needs from me. I provided them all documentation I could find including the quit claim deed that was made with my mother 's name and mine but still it was not enough. every time I call I got a different answer until on employee told me that what i needed was a court order or a deed. 
I went to the court and filled an application for guardianship and/or a probate letter. 
It did not workout well because having no experience I made mistakes filling it. 
Then I took a lawyer who corrected my mistakes but at the end the judge dismissed the case because my sister death certificate made in XXXX was not their way or some sort. 
In the mean time SPS does what it wants I feel that I have no right to do anything while I keep paying the mortgage. 
In the middle of the COVID-19 pandemic they raised the monthly payment from {$1000.00} to {$1100.00}. 
I keep asking myself what next? 
I don't understand why the court is not helping us the little guys. They know who I am, they have all the data.
Consumer complaint received 2020-06-07
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 (PA)

I am a victim of identity theft, capital one allow someone to open a fraudulent credit card account with my information I been trying to resolve this matter I also reported to the police and also email capital one the police report I called everyday & ask them to do a full investigation an remove the fraudulent credit card loan off my credit report, No Response from the credit company
Consumer complaint received 2019-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

I am enrolled an income based repayment program. I work for a XXXX and my XXXX completed the public service loan forgiveness application in 2014. I have been making payments since that time. I renew my IDR annually and I ask how much longer until my loans are forgiven at that time. Last year I was told 6 years, this year I was told XXXX years! I spoke to a supervisor XXXX XXXX who stated I was enrolled in an income based repayment program but never the Public Service Loan Forgiveness plan and XXXX doesn't even handle that type of program.
Consumer complaint received 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I checked my score on Experian today and it has dropped 19 points for no reason I paid off affirm as agreed and on time. The status is showing loan outstanding which is incorrect reporting from them and Experian if this where an white person account this would not be happening how does your score dropped 19 points for paying off a loan installment.
Consumer complaint received 2019-07-17
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rose & Associates, LLC. (CA)

Daily multiple calls to my personal and work numbers regarding serving me legal documents I have told them not to call me at work. I have sent a cease and desist letter to the company name they provided however they continue to call. Today XX/XX/XXXX @ XXXX XXXX they called my work number and gave personal information out to my coworkers. I have repeatedly requested them to provide a debt validation letter and have yet to receive anything. I do not even believe this is a legitimate debt or company calling.
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am reaching out to you today with a heavy heart as l have recently become a victim of identity theft. It has come to my attention that my personal information was unlawfully used to open an account at your esteemed company, without my knowledge or authorization. l kindly request your immediate assistance in closing the fraudulent account associated with my name. The account details are as follows : Quick SilveXXXX card ending in XXXX and Platinum Secured card ending in XXXX. I had no involvement in the opening or operation of these accounts, and it is of utmost importance that they are closed promptly to prevent any further misuse of my identity. I Furthermore, I humbly ask that you absolve me of any charges or obligations related to the fraudulent account. As an innocent victim of this crime, I should not bear any financial burden resulting from the unauthorized actions Of others. it IS my sincere hope you will handle this matter With the utmost care and urgency it deserves. I would also like to draw your attention to the FTC Notice to Furnishers of Information, which outlines your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). It is essential that you comply with these obligations, as stated in the notice, to ensure the accurate reporting of information related to identity theft. Specifically, I kindly ask that you cease furnishing any information resulting from this identity theft to any CRAs. Moreover, under section 6058 of the Fair Credit Reporting Act, I implore you to take immediate action upon receiving notice from a CRA that information you provided may be the result of identity theft. Your responsibilities, as outlined in the notice, include ceasing to provide inaccurate information to any CRAs and refraining from selling or transferring the fraudulent debt to another party for collection. I trust that Capital One takes these matters seriously and will conduct a thorough investigation into this unfortunate incident. I request that you keep me informed of the progress and actions taken to resolve this matter promptly. Thank you [ DH/OUT attention to this urgent matter I sincerely appreciate your empathy and understanding during this challenging time. Should you require any additional information or documentation, please do not hesitate to contact me at the address provided above or via phone at XXXX. I look forward to your prompt response and resolution of this matter. Yours sincerely
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2024-03-03
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: OneMain Finance Corporation (PA)

As part of a class action law suite , a full refund should have been issued from this creditor to all past and present loan accounts. I did not receive my refund of {$1200.00}. Of additional interests paid to this company. I would like a full refund as per a class action law suit brought against this creditor.
Consumer complaint received 2024-03-05
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-07-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2024-03-05
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. (CA)

To Whom It May Concern : I noticed in my consumer report there is a charge off reporting to my credit report by the three major credit reporting agencies. The charge off is reporting and its illegal according to the IRS cancelled debt rules. IRS cancelled debt is income. I attached a screenshot of the IRS cancelled debt general rules. 

Section 1681 of the Fair Credit Reporting Act ( FCRA ) actually pertains to the responsibilities of consumer reporting agencies regarding the accuracy of consumer reports. Under this law, it is illegal for consumer reporting agencies to include charge-offs, on a consumer 's credit report. Charge-offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not be reported in a consumer report. The document attached is a screenshot of the IRS cancelled debt general rules. Any attempt to report charge-offs on a consumer report in violation of the FCRA 's guidelines outlined in section USC 1681 is considered illegal. Compliance with the FCRA is crucial to protecting consumers ' rights and ensuring the accuracy of their credit information. 

I hereby assert that the three major consumer reporting agencies have violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically regarding charge-offs, and collections. This action has resulted in significant financial harm and emotional distress. As such, I intend to seek litigation against these consumer reporting agencies to pursue damages and ensure accountability for their actions. 

I am formally requesting that the three consumer reporting agencies promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding charge-offs, and collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681 theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 


ACCOUNTS : XXXX XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Out of nowhere I received a letter from XXXX XXXX XXXX that a notice of default was filed against my property, on a XXXX XXXX ( HELOC ) that I had applied with XXXX XXXX  XXXX. on XX/XX/2007. Since then, I did not receive a mortgage statement nor a payment from anyone in 15 years. XXXXXXXX XXXX never contacted me since the crash of XXXX. I contacted XXXX XXXX XXXX who took over XXXXXXXX XXXX loans and was not able to help me. I have been receiving phone calls from Specialized Loan Servicing company from a representative XXXX, she has been harassing me and telling me that if I do not send her a copy of my payoff from my first mortgage XXXX holder that they will foreclose on my home. XXXX gave my information without my consent to a loan officer XXXX XXXX ; XXXX XXXX was texting me telling me that XXXX from SLS had given her my phone number without my consent ( See attached Text message ). XXXX would call me and tell me that she could talk to XXXX to stop the foreclosure, and this was the only way to stop the foreclosure. Both XXXX and XXXX were always intimidated telling me what to do and that I didn't qualify, and I was going to lose my home. I have a XXXX XXXX on my home, and I am XXXX, and this was a huge surprise for me and my children. I had my niece call Bank XXXX XXXX and said that the XXXX HELCO was cancelled ( see attached letter from XXXX XXXX XXXXXXXX ) XXXX also at the beginning said they could help modify but at a higher loan amount. My XXXX XXXX loan amount was XXXX with XXXXXXXX XXXX
Consumer complaint received 2021-07-22
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: CORELOGIC INC (TX)

I was in the process of applying for a mortgage refi and I was on the last day for additional inquiries not to impact my score ( XX/XX/2021 ). I authorized Credco to perform a hard inquiry on this day but then there is another inquiry on XX/XX/2021. I would like the additional inquiry removed with all 3 bureaus as it has adversely affected my score
Consumer complaint received 2022-07-05
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # 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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to section 604 e of the FCRA, I have the right to request deletion of inaccurate information on my credit report. I sent a letter requesting the credit reporting agency to furnish proof of ownership of the accounts, as well as multiple inaccuracies. Not only did my written request go unanswered but the inaccurate accounts on credit report have been illegally reaged. Additionally, there are accounts being reported by one credit reporting agency that arent being reported by others. All accounts in question should be deleted. 

The accounts in question : 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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-26
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: Upgrade, Inc. (MI)

I did not do this, someone took a stand by cash account out in my name. 



Changes Previous Report XX/XX/XXXX Latest Report XX/XX/XXXX Credit Report Period XX/XX/XXXX XX/XX/XXXX Account Number XXXX XXXX Condition Derogatory Derogatory Responsibility Individual Individual Current Balance XXXX XXXX Original Balance XXXX XXXX Limit XXXX XXXX Monthly Payment XXXX XXXX Last Payment XX/XX/XXXX XX/XX/XXXX Status Collection / Charge-Off Collection / Charge-Off Loan Term XXXX XXXX Loan Type Line of credit Line of credit Opened XX/XX/XXXX XX/XX/XXXX Reported XX/XX/XXXX XX/XX/XXXX Remarks Charged off as bad debt|Canceled by credit grantor Charged off as bad debt|Canceled by credit grantor Creditor Information XXXXXXXX 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 XXXXXXXX XXXX XXXX : XXXX
Consumer complaint received 2019-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Perfection Collection (TX)

Perfection Collections is attempting to collect a debt on behalf of XXXX that is not owed. The relationship with XXXX was previously settled in the amount of {$1500.00} on XX/XX/XXXX. 
Perfection Collections has reported a debt to the credit bureau 's as of XX/XX/XXXX
Consumer complaint received 2022-07-26
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: HUNTINGTON NATIONAL BANK, THE (MI)

I did not do this, someone took a stand by cash account out in my name. 



Changes Previous Report XX/XX/XXXX Latest Report XX/XX/XXXX Credit Report Period XX/XX/XXXX XX/XX/XXXX Account Number XXXX XXXX Condition Derogatory Derogatory Responsibility Individual Individual Current Balance XXXX XXXX Original Balance XXXX XXXX Limit XXXX XXXX Monthly Payment XXXX XXXX Last Payment XX/XX/XXXX XX/XX/XXXX Status Collection / Charge-Off Collection / Charge-Off Loan Term XXXX XXXX Loan Type Line of credit Line of credit Opened XX/XX/XXXX XX/XX/XXXX Reported XX/XX/XXXX XX/XX/XXXX Remarks Charged off as bad debt|Canceled by credit grantor Charged off as bad debt|Canceled by credit grantor Creditor Information XXXXXXXX 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 XXXXXXXX XXXX XXXX : XXXX
Consumer complaint received 2021-04-14
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.