davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-30
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. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: First Investors Servicing Corporation, Atlanta, GA Branch (PA)

First Investors continues to furnish late payments on credit report. Client requested late payment to be placed of end of the loan, due to financial Hardship.
Consumer complaint received 2023-04-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (FL)

My husband is a 100 % total and permanent XXXX veteran ( through Veteran Affairs ) and we are 100 % exempt from paying property tax in the state of Florida. ( We are only required to pay XXXX XXXX taxes ). Our property tax bill was sent to our mortgage company and paid in XXXX. We had been paying approximately {$3800.00} to our escrow account for the yearly taxes until we could get the bill from the county. They apparently sent our escrow refund check XX/XX/XXXX and we have yet to receive any of that money. I keep getting blown off when I call being told " it takes XXXX  days to receive this check ''. We also can not get them to re-do the escrow analysis to reflect that we do not pay property taxes, thus reducing my monthly mortgage amount by quite a bit. I keep getting the run-around from them and now and being told that it can take XXXX  days to cut the second check which they've requested to be overnighted via XXXX. Not sure how an overnighted check takes XXXX days to get to me when it was originally requested XX/XX/XXXX. That's ridiculous. They also will not work with me to get my escrow re-analyzed so I can reduce my monthly mortgage.
Consumer complaint received 2020-11-05
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. (GA)

To whom it may concern : This is my second request to remove accounts in my credit that do not belong to me, credit accounts that are not mine and I didn't have any knowledge of, I found out that a report with the FTC and police report has to be file. So I'd like to ask for you help to resolve this issue and restore my credit reputation. Thank you.
Consumer complaint received 2018-11-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC (MD)

JH Portfolio Debt Equities turn a defaulted debt owed by me to XXXX XXXX  Acct : XXXX to XXXX XXXX, XXXX. This resulted in legal action taken by XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. ( XXXX ) on XX/XX/2018 to fill a lawsuit against me for {$2300.00}. When I stopped paying I only owed {$780.00}. I initially offered a settlement XX/XX/2018 for {$500.00}. They made a counter offer of {$1800.00}. I asked JH Portfolio to provide paperwork as to how my bill went from {$780.00} to {$2300.00}. I asked if they have and documentation from XXXX XXXX   about my final bill and they said that what they filled and sent me is all they have from XXXX XXXX. I called them today ( XX/XX/2018 at XXXX XXXX ) and offered {$1000.00} to settle and they said no. The offer is {$1800.00}.
Consumer complaint received 2020-12-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Personal information incorrect
Company: Self Financial Inc. (NY)

This company has reported the wrong social security on my file so it was not updating asked them to closed account & remove from my credit report. File was open in XXXX of 2020 for the amount of {$530.00}
Consumer complaint received 2024-02-05
Product: Credit reporting 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. (TX)

Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # XXXX : I dispute XXXX XXXX XXXX  XXXX {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX XXXX XXXXXXXX agreed to. XXXX XXXX XXXXXXXX has been reporting my auto loan account XXXX. 
They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. 
Please delete this account. XXXX XXXX  XXXX did not report this account correct for more than a year. This account is more than XXXX XXXX XXXX. 
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AL)

In XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX finance my home. I applied for the XXXX mortgage assistance in XX/XX/XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX ). I signed the third-party authorization form for XXXX to process my request. XX/XX/XXXX, my application was approved for 12 months of mortgage payments up to {$50.00}, XXXX toward my loan. XXXX begin submitting payments in the amount {$1800.00} on my behalf to XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. 

On XX/XX/XXXX, my mortgage loan was transferred to Specialized Loan Services LLC XXXX ID XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XXXX Fax : XXXX. I have filed previous complaints regarding SLS Mortgage failure to provide XXXX Information to resume my mortgage payments and correcting my credit report at the Credit Bureaus. After 6 months of call and submitting numerous complaints, SLS MORTGAGE finally provided the requested information to XXXX. Unfortunately, I am still experiencing problems with SLS Mortgage. 

The mortgage company is not posting my AHFA payments ( on my behalf ) to my mortgage account. According to XXXX, on XX/XX/XXXX ( attached ), their office processed and submitted my mortgage payment in the amount {$1800.00} via XXXX to SLS Mortgage for my XX/XX/XXXX payment. Although, XXXX recently reported, XX/XX/XXXX, correcting and applying the AHFA payment to my XX/XX/XXXX mortgage payment, I am having the same issue with my XX/XX/XXXX mortgage payment. 

As of this writing, my XXXX XX/XX/XXXX payment has not been applied to my account. I have contacted their office numerous times and requested an investigation to locate and post my XXXX XXXX payment to my account. However, the issue has not been resolved and I am concerned that I will soon start getting numerous phone calls from SLS Mortgage regarding my XX/XX/XXXX payment as in the past. 

According to XXXX records, my XX/XX/XXXX mortgage payment was processed and wired on XX/XX/XXXX. However, SLS Mortgage denies that they have received my XX/XX/XXXX mortgage payment from XXXX and it is not posted to my account. I am contacting your office for help to get the issue resolve so that to bring my loan current. Thank you,
Consumer complaint received 2018-11-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCSPLUS INCORPORATED (FL)

Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to my verification letter. I sent a certified verification letter to XXXX XXXX XXXX XXXX on XX/XX/18. I still haven't received a response.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Violation of Consumer Rights under 15 U.S. Code 1681c-2 Request for Immediate Resolution I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the reporting of an account on my credit report that has been formally reported as an incident of identity theft. As a consumer, I believe that my rights, as outlined in 15 U.S. Code 1681c-2, are being violated, and I am seeking your prompt assistance in resolving this matter. 
Details of the affected account : ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX BALANCE {$270.00}. 

I have previously submitted a detailed report of identity theft, along with supporting documentation. Despite this, I have observed that the information related to the fraudulent account is still being reported on my credit file. 
Section 1681c-2 of the Fair Credit Reporting Act explicitly outlines the rights of consumers in cases of identity theft, emphasizing the obligation of credit reporting agencies to block the reporting of information resulting from identity theft. It is my understanding that credit reporting agencies are required to promptly block the reporting of inaccurate information resulting from identity theft. 
I am deeply concerned that the continued reporting of this fraudulent account is not only damaging my credit standing but also infringing upon my rights as a consumer. I am seeking immediate action to rectify this situation and bring my credit report into compliance with the provisions of the law. 
I kindly request that XXXX conduct a thorough investigation into this matter and take immediate steps to block the reporting of the fraudulent account on my credit report. 
I trust that you will prioritize this matter and work diligently to rectify the violation of my consumer rights. 
Thank you for your prompt attention to this serious issue. 
Sincerely, XXXX  XXXX
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NJ)

On XX/XX/2020, I purchased a XXXX XXXX XXXX XXXX carpet cleaner from XXXX XXXX XXXX for {$190.00}. Payment was made via XXXX with my Goldman Sachs Mastercard as the funding source. 

On XX/XX/XXXX, when I did not receive a shipping confirmation from the vendor, I replied to the order confirmation email inquiring if the carpet cleaner had shipped. 

After waiting 3 weeks for a response, I filed a claim with XXXX on XX/XX/XXXX. The claim was denied on XX/XX/XXXX because, they said, the seller had provided shipping confirmation. 

My XXXX statement shows the charge was made to my account on XX/XX/XXXX, the day the order was placed. However, payment was NOT made to the company, it was made to an entity named XXXX with a seller name of XXXX XXXX XXXX and an email address of XXXX. 

The shipping information indicates it was shipped on XX/XX/2020 via XXXX which, coincidentally is the same date XXXX denied my claim. The XXXX tracking number provided by the seller is XXXX. I went to the XXXX  site and entered this number and it shows the item was NEVER DELIVERED. It also showed the weight of the package at 13.6 lbs. The unit weighs 26.3 lbs per the manufacturer. Per the XXXX website, it seems to have gotten lost somewhere in XXXX, PA It has been more than 120 days, so this information is not readily available on the XXXX website, but I do have a screenshot that I can provide ( see attached ). 

In addition to the suspicious name change and offensive email address, when you try to go to their website now, it seems it has been taken down. My virus protection software cautioned me not to proceed beyond the warning window. 

I have made 1 failed attempt with XXXX and 3 attempts to resolve this issue with Goldman Sachs and provided proof of all statements made above. They continue to refer it to their " disputes team '' who have rejected it twice based on the same doctored pdf document provided by the vendor showing that XXXX delivered the item.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I sent a Bureaus letter last August 31, 2022, to update the incorrect accounts in my reports which I believe has been taken care of due to the written appeals. However, no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : ATTYGENERL XXXX Balance : {$5000.00} OFFICE OF THE ATTY GEN XXXX Balanced Owed : {$25000.00}
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity Properties Inc. (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity Properties Inc. (OH)

Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX, Attorney General and FTC
Consumer complaint received 2021-09-15
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: EQUIFAX, INC. (NC)

hello Ive been trying for months to get this issue resolved as my information was stolen during a breach and it has caused me harm personally and financially.. who ever got my infomation has been running up medical bills. and i need these items removed as its effecting my job status and future goals.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft, identity report number # XXXX ACCOUNT Informations : XXXX XXXX {$2400.00} XXXX XXXX {$790.00} XXXX {$1400.00} XXXX XXXXXXXX {$17000.00} XXXX XXXX XXXX
Consumer complaint received 2021-07-08
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. (VA)

To whom it may concern, 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 and have affected my livelihood to provide for my family. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions 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 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (OR)

My husband and I left Washington state XX/XX/XXXX, to go on a mission for our church. We changed our address three times while on our mission. so our mail would be forwarded each time. When we finished the mission XX/XX/XXXX, we did not return to XXXX but relocated in XXXX.

XX/XX/XXXX I made a purchase at Macy 's with my Macy 's card, the amount was {$130.00}, as I recall. However, the bill never reached us, as the address on the Macy 's card was a Washington address. 
The problem was discovered on XX/XX/XXXX, when our credit score was checked and we were apprised of the debt applied against my score. I immediately paid it off with late fees ; {$140.00}. XXXX. Included is my bank statement showing the payment. 
I errantly assumed the problem was resolved. We are now about to buy a home and to my chagrin, I discovered this blight on my credit is to last 7 years! 
Macy 's asked me to provide a confirmation number from the Post Office showing we had changed our address. The P.O. sent the last confirmation number, which didn't work, and would not have shown the original change of address which was the address Macy 's had. 
Since I can't get the P.O. to send a history of our address changes, I would like Macy 's to grant me a " Good Will Adjustment. '' This is an unfortunate mistake. They sent the bill to an old address. The bill was not forwarded. I'm terribly sorry for the inconvenience. I would have paid it immediately, had I received it. This error does not justify a blight on my credit for 7 years! Point of logic : You agree to sell, I buy, both parties are happy ; if we agree to sell/buy, but I fail to pay on time or in full, you add a penalty to the purchase and threaten to make harm my good name ; if I pay all you are whole and so am I. Now, enter upon the modern age : you sell and I buy, but I ( for whatever reason ) fail to pay on time or in full, so you add a penalty and threaten to harm my good name ; but after I pay all you SHOULD BE WHOLE and I should be likewise. Not so, you are free to do significant harm to my good name for seven years! A much higher penalty would be eminently more fair.
Consumer complaint received 2022-05-03
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: Social Finance, Inc. (UT)

I received a notification from my credit monitoring servcie that a new loan inquiry had been made. I reviewed the information and determined that it was a fraudulent loan application and therefore opened a case with the credit monitoring service. A representative from the credit monitoring service called me and we placed a conference call to SoFi Lending who made the credit inquiry. The various representatives and supervisors we spoke were unable to locate the loan appliction using my email address and phone number. Since criminals would likely use their own email address and phone number as to not tip off the person they are trying to scam, they obviously were not able to find any loans using that data. We continually asked if they could look it up using my social security number to which they said they can not. This seem rediculous considering that is the information that was used for them to pull my credit in the first place. Since the loan does not show as being opened at this point it was our hope to be able to stop the loan from being opened and reported on my credit. The representatives from SoFi continually told us that they aren't able to search by social security number so therefore we would simply need to wait for the loan to fund, then file a police report and then dispute it with all of the credit bureaus. It seems that their system is set up to enable fruad instead of stopping it. While I don't know the rationale behind these policies I'm guessing it is financial in some way, shape or form. Why can a company pull my credit using my social security number, but not be able to look up a pending loan application using that same information and prevent fraud from happening. What a terrible company. If criminals are reading this then I'm sure they know that if they want to commit fraud, SoFi is the place to do it.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

US Department of Education- Loans were calculated incorrectly. Interest was added to my accounts because it appeared that I was not a XXXX student when in fact, I was. This was reported incorrectly. It dropped my credit score and started adding interest to my loans because of a mistake of the University.
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OK)

PayPal closed my account with {$6300.00} XX/XX/XXXXXX/XX/XXXXfor no reason on XX/XX/2020 and will not help me with getting it back up and going.i am not sure if this is some mistake as assume it was to be .I have not been able to get help for days now but I just remember I could file a report on here as I feel they are not doing their job properly and it as affected me a great deal as I use PayPal quite frequently my email linked to my PayPal is XXXX XXXX