davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I have received several letters and phone calls from Select Portfolio Servicing , Inc regarding my mortgage for my property in XXXX, PA. All the correspondence that I received was in regards to my interest rate increasing in XXXX stating that I had a variable interest rate. I spoke to multiple people at SPS, who two months ago purchased my mortgage from XXXX, explaining that I entered a 5 year rate lock on my mortgage in XX/XX/2018 where I paid an additional monthly payment to process the 5 year rate lock. 
I spoke with XXXX XXXX a supervisor at SPS on XX/XX/18 where he looked through my documents was able to see where an agreement was sent to me in XX/XX/2018 and an additional payment of {$570.00} was processed by XXXX for the rate lock. 
However, since then I received two additional letters and today on XX/XX/18 I received another phone call on the same subject stating that my rate will increase in XXXX. 
SPS has been innodating me with letters and phone calls in regards to a rate change for my property. This is incorrect and I have asked several times to include today to rectify the situation. I have asked them to review their documents and correct their system which is incorrect. I did not agree to the servicing transfer and since the transfer I have had issues in regards to payments that were not processed because someone on their end keyed it incorrectly and now they are threatening to increase my interest rate. I have exhausted all options to rectify this with the Servicer to no avail. 
Based on my interactions with them I believe their servicing records are incorrect, the team is not adequately equipped to service my loan. Additionally, it appears that they have a lack of accuracy on servicing records and there were no quality checks done at time of transfer. As of XXXX SPS is indicating that they will raise my interest by over 1.25 basis points. Again, I locked my current rate of 4.25 % in XXXX for a 5 year period. Please help.
Consumer complaint received 2022-06-10
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. (MA)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 2021-12-22
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the Experian Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately.
Consumer complaint received 2022-11-18
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. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2019 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2022-06-10
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. (MA)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 2018-11-17
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. (TX)

XXXX XXXX charged off a XXXX XXXX XXXX account over 5 years ago, did a 1099c and have told me multiple times on the phone this account has been closed. 
I filed a XXXX complaint earlyier this year and then my account suddenly shows up again on my credit report saying I had a outstanding balance and my account is in a late status. This reduced my credit score by over 30 pts and caused me to not be able to refi on a property. Please help has I called them and was told I deserved it and was hung up on twice. I was also told twice that this should not be on my credit report and they would remove it. Experian told me that they can report however they want and I have no right to dispute.
Consumer complaint received 2020-12-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENOVA INTERNATIONAL, INC. (VA)

I took a loan XX/XX/2018 with Cashnetusa. The company did not try to work with me at all when I lost my job. The sold my account to this company and now getting harrased from all different numbers because I cant afford to pay the loan back. My balance increased from XXXX to over XXXX. I need help. I dont owe this amount and they should write off the balance. 8 found out that cashnetusa is not legal in the state of VA.
Consumer complaint received 2018-11-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (TX)

I am unemployed for several months now. I have informed the company about my situation monthly. All they are were worry about is when I will make a payment. You are x days past due so when can you make a payment. I just told you I was unemployed and I send what I can. They did not offer no long term solution to help at all. 
I am having a financial hardship at this time but they do not have a program to help out. This is very disturbing to me. 
During the week of XX/XX/XXXX - XXXX, XXXX, the vehicle was repossessed. I was very upset about the situation. I called the lender and ask how much to get my vehicle and they told me {$3100.00}. I could not believe this to accumulate more fees to someone that is unemployed. I have had this loan since XXXX and been paying what is due. You should know something was wrong if the payments were not getting paid in a timely manner.
Consumer complaint received 2019-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

I filed a CFPB complaint earlier this year because Fed Loan Servicing changed my payment plan doubling my monthly payment when I had not requested a change. This dispute was resolved, but I recently found out that Fed Loan Servicing has taken away loan forgiveness credit for several payment that I made while employed as a public school teacher. I made three payments of XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which was almost double what I should have been paying due to their mistakes, but I was not given credit for Public Service Loan Forgiveness because Fed Loan retroactively and fraudulently changed the dates and amounts of the payments that I made. They also denied credit for other payments due to their " cooking of the books '' for lack of a better phrase. The payments reflected on their website in my account do not match the payments that they received from me through XXXX XXXX XXXX XXXX account details will be attached ). I want my public service loan credit. My account was not in any type of forbearance when I made these payments as their employee XXXX ( # XXXX ) says. Please look into this matter. Thank you!
Consumer complaint received 2022-06-10
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: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
2.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-12-22
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (MI)

I had phone and internet service with XXXXXXXX XXXX XXXX in Michigan. The service was disconnected in XXXX. I applied for and established new service with the same company in XXXX or XXXX. There was no discussion of a past due bill or collection. I filed for Chapter XXXX bankruptcy protection in XX/XX/XXXX. XXXX XXXX XXXXXXXX was sold to XXXX. 

In XXXX, I received a collection notice. I called XXXX and asked for proof they tried to collect an unpaid balance. They did not have proof. I asked for past bills ranging from XXXX XX/XX/XXXX, they state they did not have any. I asked for any proofs regarding this action, they said their system did not go back that far. 

The collection agency said they did not have any proofs other than what they were told be XXXX. They have posted a negative item to my XXXX credit report. 

Why didn't XXXX issue a final bill? collection notice? Why let me establish new service if I owed a past due amount? Why didn't XXXX notify me of the debt right away? Why doesn't anyone have proof of this debt? If I was aware of a legitimate debt I would have included it in my Chapter XXXX filing. Can they just bypass a reasonable attempt to collect and just go straight to my credit report?
Consumer complaint received 2021-04-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

On or about XX/XX/XXXX for no apparent reason and while all payments were being made from XX/XX/XXXX to XX/XX/XXXX timely and according to the terms and condition of my mortgage agreement to pay the lender {$1200.00}. On XXXX XXXX I had receive an alarming letter from LoanCare offering an immature foreclosure options suggesting homeowner assistance to a repayment plan in which I was not behind on my mortgage for the lender to make the following suggestion ; next the lender then offer me a loan modification when there was no need for a loan modification considering the fact, before covid-19 I was current. In addition to those two option they also, included short sale and settlements as an attempt to collect a debt. I find sending me a debt collection letter as in attempt to collect I debt that I do not owe to be professionally negligent in their duty in handling my mortgage account with the upmost care and attempt to be unjustly enriched when I made 13 payment from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX the account was current and the beginning of escrow balance was {$540.00}. Since XXXX the lender has : ( 1 ) Charged {$4100.00} in Attorney Advance Distribution fees ; ( 2 ) Due to Covid-19 the 14 months of non-payments amount due to LoanCare is XXXX without late fees ; Here, LoanCare has charged to my account {$25000.00} which included changing the term of the mortgage payment from {$1200.00} to {$1300.00} including additional {$7800.00} for attorney fees ; ( 3 ) Violation of FHA Annual Reduce Premium and non-attorney fees are not allowed on a non-foreclosure proceeding. I have contacted the company during by phone on XX/XX/XXXX  regarding the attorney fees being reversed and my account being corrected to show the true amount owed and I have yet to here from the lender regarding this matter.
Consumer complaint received 2022-06-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CURO Intermediate Holdings (CA)

I acquired a loan with speedy cash based in California. I received an email from a *credit Burear debt collection that goes by the name of XXXX XXXX XXXX stating that they will file a lawsuit in the court of Texas for not paying a loan back which I am coming to an agreement with speedy cash myself. They want me to pay a certain amount using a prepaid card from a retail store. They dont provide a phone number I can call customer service to see who really is behind this company. I feel like I am getting scammed and harassed I have had financial and health problems lately. They have come at me aggressively through via email.
Consumer complaint received 2020-12-10
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. (IL)

All three credit bureaus are denying my opportunity to live a better, prosperous life by reporting false information on my credit score. I have contacted the companies that the original creditors and they tell me they have closed and charged off the account and can not do anything about it. They continued to tell me that i need to contact the credit bureaus to remove them from my record. I have sent several letter giving the credit bureaus an opportunity to set things right but refused to do an accurate investigation and remove those damaging items from my record as well as unrecognizable hard inquiries. In these days with so much hardship going on as far as getting employment. This inaccurate information could prevent me from achieving a better life.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a direct dispute with the Virginia Department of Social Services, which they received and signed for on XX/XX/2022. They have failed to report my information correctly as pertains to late payment history. They have been notified to update the reported information correctly, which they have failed to do so in a timely fashion. It is now 30 days after initial notice. I demand that this inaccurate information be removed from my XXXX, XXXX, and Transunion reports immediately.
Consumer complaint received 2023-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (VA)

I am writing to dispute fraudulent information that has been reported on my credit file. I recently reviewed my credit report and found several accounts that I did not open or authorize. This indicates that my identity may have been stolen, and fraudulent activity is taking place using my personal information. 

The following accounts were not opened or authorized by me : # 1 XXXX XXXX Last reported XX/XX/2023 {$870.00} # 2 LVNV FUNDING LLC Last reported XX/XX/2023 {$320.00} # 3 XXXX XXXX XXXX Last reported XX/XX/2023 {$110.00} I did not apply for any of the above accounts and have no knowledge of them. This indicates that someone has obtained my personal information and used it for fraudulent purposes. 

I am requesting that these accounts be immediately removed from my credit report, and that all related charges and fees be removed as well. I am also requesting that you investigate this matter further to determine the source of the fraudulent activity and take appropriate action to prevent it from happening again. 

Please provide me with a written confirmation of the outcome of your investigation, and any actions taken to correct the fraudulent activity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Regenerate response
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

This is a violation of the FCRA Section 623. Each Bureau is reporting different date opened, and high credit, and date last active, and date of last payment this is a violation. This account has many errors/inaccuracies does not meet FCRA. Each bureau is reporting different date last active terms and a collection account should not report a late payment this is a violation of FCRA
Consumer complaint received 2021-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (SC)

I am having trouble getting an account off my credit report that I am currently paying on. I am making monthly payment every month. I have reached out three times about the same issue. I need this to be removed off my credit soon as possible because I still have the vehicle in my possession. They will not talk to me and want remove this possession off of my credit report. Which is not right they are reporting as a charge off / collection. It should be listed as a current account. I am trying to purchase a home. I am trying to get to the bottom of this situation because it is causing a hold up on my home buying process. How can an account be a charge off / collection if I am currently making payments? I ask that you all investigate my situation in Dept. because I will not stop until I get answers.
Consumer complaint received 2020-12-10
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)

Spoke with Equifax about my XXXX XXXX credit card not being reported correctly. They merge a old card with a new card. So it's states current but the status states the account is closed. Told me to call XXXX XXXX  credit car company and they re-reported the information and Equifax never made the change to my report
Consumer complaint received 2019-08-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Opportunity Financial, LLC (FL)

OPPLoans set up a loan account fraudulently set up by someone using my name online and my information. I didn't realize it was being deducted from my account as it is close to the payment that I pay for another loan. I've tried to contact the company for resolve but can not. it is therefore negatively affecting my credit.
Consumer complaint received 2022-06-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.
Consumer complaint received 2020-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc. (IA)

MoneyLion, or XXXX who is backed by XXXX, have closed my account and suspended my withdrawals, purchases, everything, in which I receive my federal unemployment benefits, due to suspicious activity.. but cant give me a straight answer. 

I have been hung up on many times by reps who are lazy or just dont know what theyre doing. They make it near impossible to speak with a supervisor. 

It is also my understanding that an account receiving federal benefits MUST be reopened within 1 business day after receiving the funds from the depositor. And it is also illegal to freeze funds especially from federal benefits. 

These people have caused myself, and my children to go hungry because my funds are locked up tight with no key. I wasnt even notified of anything on my account. No mail, email, nothing. I will be contacting a banking attorney regarding this as well. 

It even says on my app, that I can use my debit card to make purchases and withdraw cash. Nope, when I went to the atm, it said, unauthorized activity and the other said stolen card.
Consumer complaint received 2022-02-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Trust Management LLC (MO)

XXXX Phone call. I stated that I needed documentation/verification of debt sent to me. I stated that I would not provide personnel information over the phone regarding debt or payment. They stated they were working on behalf of XXXX XXXX which I did not recognize and stated so. 

XXXX Phone call. Aggressive, attempted to intimidate me and kept cutting me off. Would not let me finish sentences and was threatening tone when I apparently used the wrong word for the item I had requested. Wanted me to confirm banking and payment over the phone. I stated that I still have not received the requested documentation/verification. I also stated that I would not pay blindly without the documentation/verification I have requested to safeguard that they were handling the debt. He continued to talk over me in the same aggressive manner and then hung up while I was speaking. 

I feel that this was improper conduct, aggressive tactics and and they were threatening to take actions.