davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (NJ)

XXXX and Discover XXXX, XXXX got a copy of your XXXX Credit Report XXXX 
XXXX, XXXX made a Inquiry by checking your XXXX Credit Report XXXX 

Source : XXXX XXXX : XXXX, XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX DISCOVER FINANCIAL SER tried to access your XXXX credit file while it was locked. If you are actively seeking credit or new financing, simply unlock your file. 

Source : XXXX XXXX : DISCOVER FINANCIAL SER Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/202XXXX XXXX
Consumer complaint received 2023-04-07
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCC Business Services, Inc. (GA)

My credit report shows I have a collection account with NCC Business Services. It shows I owe {$770.00} reporting on XX/XX/2017. This information is incorrect. I have never done business with NCC Business Services and I dont owe them any money. I disputed this account several times. I was sent an old lease from another company.
Consumer complaint received 2023-07-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (VA)

I inherited my parents ' home after they BOTH passed in XXXX and XXXX of 2020. They filed bankrupt prior to their deaths and to save their home, they chose NewRez/Shellpoint Mortgage Servicing as their lender. After their deaths, I submitted all required documentation to include : death certificates, loan modification application, pay stubs, letter of qualification ( probate ), and all other forms on numerous occasions via email with no response, reply, or loan modification. For one year, I attempted to make payments ; however, I was blocked from the online system and each time I received a message stating " This loan has a payment stop. '' As a result, I took a picture with my phone and created a folder with those images. I was informed that I could not make payments because my name needed to be on the loan -- -which they never would modify. I also filed a few complaints with the XXXX  ( no resolve ). I have spoken with different Shellpoint associates ( over the last three years ) and consistently gaslighted by this company. Each time, I am assigned someone new who knows absolutely, positively, nothing about my situation. As my sister and I share a father, we are both owners of the property but I manage the estate. However, she filed for bankruptcy which released her from the automatic stay ; however, at this very moment, as a XXXX XXXX XXXX, I am facing homelessness and foreclosure. Shellpoint only sends me statements -- -all that state this is NOT an attempt collect a debt. Shellpoint never asked me to make a payment ; Shellpoint only asked for the above mentioned documents in order to pretend to modify the loan.
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: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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
Consumer complaint received 2023-11-05
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)

I got my social security number in XX/XX/2023. I try to login to XXXX XXXX and my information in XXXX XXXX said that it did not belong to me, I tried to open an account in XXXX XXXX but I couldn't open it. I think someone else is using my social number, I need my social to work and build my credit. I can submit proof of my social and my driver 's license.
Consumer complaint received 2019-06-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

My mortgage payment increased from {$730.00} to {$930.00}, due to an adjustment that was not specified by the mortgage servicers. This payment increase caused me to fall behind and trapped me into foreclosure ... there is a pending sale date set for XXXX. Since the loan is backed by FHA, I asked for mediation hearing to be completed per 24 CFR 203.604. Carrington Mortgage ( CM ) denied access to the mediation hearing. I also applied for mortgage assistance via FHA partial claim. Since I have paid FHA insurance for over 25 years, a partial claim should be definitely available for disbursement. Per FHA regulations 24 CFR Section 203.604, there is a requirement for all mortgagees to meet face to face with the borrower before serious delinquency leads to foreclosure. Both Carrington has refused to report loss mitigation information to FHA, so they are in violation of the False Claims Act ( FCA ) 31 USC 3729 -3733. Since Carrington has refused to address the critical issues within this  complaint, I am seeking your assistance on this matter.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Bank # xxxxxxxxxxxxx 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 2019-06-18
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. (MN)

Transunion I'm filing complaint and Putting your company of Legal Noticed You are Not conducting proper Investigation also you keep sending back that the creditors had verified I'm giving you a 30 day Legal noticed that action will be taking place! I'm not sure why the CFPB is not doing more that what they are doing as well I have requested from your office to respond back Via this site and you fail to do some Its plain and Simple that is proof that you are not conducting investigation But Again Legal action will follow I promise you!
Consumer complaint received 2019-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

I was a consumer with XXXX. Recently, due to litigation, XXXX transferred my loan to Loan Care. Prior to my experience with XXXX, my payment was {$1900.00} a month. Suddenly, with no explanation, my payment became over {$2200.00} with Loan Care. When I contacted Loan Care, they said that an escrow analysis had been done back in XXXX, saying I was short on my taxes and insurance by over {$2000.00}. This had NEVER happened in my entire time having my mortgage. And, I never received the loan analysis. When i contacted Loan Care, they put in for another " escrow analysis ''. 

This is unconscionable. And also a breach of contract. This increased my payment by over $ 200.00/month suddenly. I have never had that happen in my life. There has been on-going fraud with XXXX and I fear that Loancare is just taking up the baton. Someone needs to investigate this, as it appears to be mortgage fraud.
Consumer complaint received 2020-12-18
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: Navient Solutions, LLC. (CA)

I was in deferrance and on disability and not supposed to be making payments and it says I missed payments. 

Also its going back reporting passed 7 years I feel and it never goes down in the amount I owe even though Ive paid on it for years and years
Consumer complaint received 2021-02-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (VA)

TD BANK A/C XXXX XXXX COMPLAINT ABOUT TD BANK ACCOUNT 1 ) I HAD RECOLLECTION OF FINDING A SHORT OF ABOUT {$2700.00} ON XX/XX/XXXX XXXX ) I HAD A RECOLLECTION OF ONE TIME HAVING ABOUT {$1500.00} IN XX/XX/XXXX I AM TOLD I HAVE ONLY {$300.00} SO I HAD TO TRANSFER SOME MONEY TO TO CHECKING 3 ) I HAD A CASHERS CHECK RETURN TO MY ACCOUNT AMOUNTING TO {$15000.00} SO WHEN I CHECKED THE BALANCE I HAVE TOTAL BALANCE SAVING AND CHECKING I FOUND OUT SHORT ABOUT {$4000.00} XX/XX/XXXX 4 ) SOME DAY BACK I WAS PUZZLED TOP SEE A SHORT OF {$900.00} 5 ) THE BANK IS NOT WILLING TO SEND ME A ONE YEAR BANK STATEMENT, TO YOUR SURPRISE I GOT A STATEMENT FOR THREE MONTH AND FOUND OUT THERE WAS A SHORTAGE OF ABOUT {$500.00} VERY RECENTLY, AROUND XXXX XX/XX/XXXX TO XX/XX/XXXX XXXX THIS PROVES THE BOOK HAS BEEN COMPROMISED FOR A WHILE AND SOME OF IMPORTANT INFO i HAVE SAVED ON MY DRIVE WAS HACKED AND HAS BEEN COMPROMISED. 
PLEASE CAREFULLY REVIEW MY ACCOUNTS WITH TD BANK, WHICH SHOWS OVER {$11000.00} AND XXXX XXXX SHOWS SHORT OF {$23000.00} IF CAREFULLY RESEARCHED VIA BANK EXPERT STAFF AND TOOLS I BELIEVE THE BALANCE I STOLEN IS WAY MORE THAN STATED HERE SO I KINDLY REQUEST THE COMMISSION TO GET THE BANK TO REFUND BACK MY BALANCE AS SOON AS POSSIBLE AND ALSO REFER TO CIVIL SUIT LAW FIRMS AND LEGAL AID WHO MAY CHALLENGE THOSE BANKS TO REFUND ME THE MONEY FRAUD FROM MY CHECKING AND SAVING ACCOUNT. 
THANKS XXXX XXXX
Consumer complaint received 2019-06-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

when applying for modification Bank of America hired Recontrust to begin foreclosure Recontrust never licensed in AZ We were forced to sign a loan modification Our original mortgage was {$330000.00} Bank of America added another {$110000.00} deferred Now sold the loan to XXXX
Consumer complaint received 2022-09-03
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. (CA)

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX 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 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  XX/XX/2021.
Consumer complaint received 2019-06-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC (CA)

I purchased a car on XX/XX/2019. I was given a copy of an XXXX Credit rating that was XXXX. I immediately contacted XXXX to inquire and was given a much higher score by them. I contacted Carvana on XX/XX/2109 to inquire and was told there was nothing that could be done. They said if I was not satisfied I could refinance through another lender. 
I believe I was intentionally told I had a lower credit score to give a loan at a high interest rate. The form sent to me by Carvana with an XXXX header seems suspect to me.
Consumer complaint received 2019-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Our Bi-weekly ACH withdrawal amount increased more than expected and we suspect the escrow analysis was done before we submitted a one time escrow balance due in XX/XX/2019. Although the insurance increased slightly, the numbers do not add up to the overall payment increase.
Consumer complaint received 2019-06-18
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. (MO)

XXXX XXXX REPORT TO EXQUIFAX THAT MY LOAN PAST DUE {$780.00} WHICH ISN'T CORRECT. MY ACCOUNT ISN'T PAST DUE. XXXX XXXX NEEDS TO MAKE SURE THEY HAVE REPORTED TO ALL CREDIT BUREAUS MY ACCOUNT IS CURRENT. THEY ARE INTENTIONALLY NOT REPORTING CORRECTLY IN MY OPINION. THEY CORRECT TWO, AND THEY ONE THAT WAS CORRECT THEY MESSED UP.

** ALL CREDIT BUREAUS SHOULD BE CORRECTED IMMEDIATELY!! **** MY ACCOUNT ISN'T PAST DUE!!!!
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 

Fraudulent Unauthorized 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 2019-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (KY)

I have discussed several accounting discrepancies with SPS but SPS has refused to make corrections to my account. SPS statements they mailed to me indicates that I owe XXXX XXXX dollars ( XXXX ) for property taxes, which is not true but they refused to tell me how they derived at that number. There are also charges that show XXXX charges for inspections with no details as to why, especially since I was not in foreclosure. I sent SPS a payment history to show that the billing was incorrect however they refused to stop the Auction of my home scheduled for XX/XX/2019. I filed a Notice of Error on XX/XX/2019 they have ignored the notice, even though they have opened an inquiry for research. They indicated they did not have to stop it because of the RESPA regulations did not apply to Dual Tracking for this incident. The notice of error stated numerous accounting errors by SPS, over charges and other erroneous charges from companies that I do not know that are on the SPS statement of charges sent out by the previous servicer and SPS. 

I also was charged for numerous inspections charges for my home when my home was not in foreclosure. I was charged BPO charges and legal fees when my account was in a current status. I am not sure of what the charges are that are on my account and why, but I asked that SPS give  an accounting to why they continued to charge those incorrect amounts to my mortgage account when I have indicated they were incorrect many times. They are currently ignoring my request. I requested that SPS review my account and make corrections to my interest and my principle, they have refused to this date to do that. 
SPS on XX/XX/XXXX received a QWR they have refused to respond to my request, they indicated they will respond to it after my home is auctioned off which does not make a lot of sense to me. SPS has given erroneous information about the status of my account, I was told by several managers especially one that opened the research to verify the accounting errors on my account that the auction of my home would be postponed until that happened. Of course that was lies. I have requested several call backs from supervisor in the department of the Ombudsman and litigations no one will return the call. I requested that other executives in SPS ( any department ) return the call and address my inquiries and there has been no response, no call back and no evidence that they are willing to allow a workout plan. This has been blatant bullying and harassment from SPS with refusal to discuss with me the status of my account. 

The interest on my account is incorrect because of the erroneous charges therefore the principle is incorrect I have as for a pay-off and settlement which they withdrew which was a breach of the prior agreement in place. I have charges on my account for forced place insurance that need to be corrected and adjusted on my account.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Bank # xxxxxxxxxxxxx XXXX, XXXX - XXXX SERVICES 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 2019-06-18
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: Experian Information Solutions Inc. (TX)

A man came to my door to ask if I wanted to have solar panels on my house for free. He said no cost to me. He took some information from me and the next thing I know. Im getting an email signed by me that they can check my credit bye never asked to check my credit, never gave paperwork for me to review, I never signed anything. The agent did this all without my permission.
Consumer complaint received 2018-02-22
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. (PA)

XXXX  and Transunion continues to report incorrect information regarding an installment account with XXXX XXXX XXXX. XXXX XXXX has been reporting my account late for the past 5 months and that is incorrect. they receive automatic payments for me every month and my account has not fallen behind, This is reflecting my report and it is effecting my scoring with this incorrect information. this account has not been validated or verified and I am being taking advantage of. Please remove this incorrect information from my account.
Consumer complaint received 2023-05-18
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. (NV)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-06-18
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. (CA)

Please review the attached documents. I sent a letter along with an enclosed check for {$110.00} dollars. In the letter I stated the following : Enclosed is a check for {$110.00} for the above mentioned account XXXX. 

Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full. 
2 ). You agree to remove any and all derogatory reporting from all credit bureaus including XXXX, XXXX  & Trans Union and any others your currently reporting to. 
3 ). All collection attempts & activities shall cease. 
4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector. 
5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you. 

I sent the letter certified and asked for return signature. They cashed the check but failed to comply with the terms of cashing the check. I also wrote the same information in the Check Memo section.