davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I am writing to Select Portfolio, Inc. to request specific itemized information about the accounting and servicing of the mortgage and of my need for understanding and clarification of various charges, credits, debits, transactions, actions, payments, analyses and records related to the servicing of the loan from its inception to the present date of my deceased mother XXXX XXXX XXXX. 

According to RESPA 12 USC Section 2605 ( e ) my lender had 20 days to acknowledge receipt of my Qualified Written Request and 60 Days to provide me with answers to my questions pertaining to the loan. This complaint is specifically pertaining to the payoff amount however the lender has failed to acknowledge my QWR. 

On XX/XX/2021, I sent a QWR to the mortgage company counsel. The QWR was delivered to the address at XXXX o XXXX XXXX ( see attached USPS tracking ) XXXX. I have not received a response of acknowledgement from the lender. 

I am hereby disputing the amounts due and owing which is contained in Select Portfolio Servicing payoff amount specifically an additional advance balance in the amount of {$75.00}, XXXX which is due and owing and proper accounting of interest and escrow balance. I want full disclosure of this amount in particular or if it is deemed an error I am requesting the servicer to update the payoff amount and provide an updated payoff amount. Other family members were surprised when I spoke to them of the amounts due and owing especially when the amount disclosed by previous counsel less that 9 months were lesser. 

Here, Select Portfolio Servicing has erred by not acknowledging or/and providing the above items to me in a timely and/or sufficient manner. Specifically, Select Portfolio Servicing XXXX XXXX as violated XXXX C.F.R. 1024.36 ( d ) ( 2 ) ( i ) ( A ) ; 12 C.F.R. 1024.35 ( b ) ( 6 ) ; and 12 C.F.R. 1024.36 ( c ). By copy of this notice of error, I am once again requesting that Select Portfolio Servicing immediately provide an breakdown or itemization as it relates to the payoff amounts of the settlement dated XX/XX/2021 and correct all errors as it pertains to the payoff amount.
Consumer complaint received 2021-06-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (MO)

Again, PHH Mortgage Services ( XXXX ) refuses to provide me the itemization I have requested! Once again, I am requesting an itemized accounting totaling {$40000.00} ; which is the amount PHH Mortgage Services ( Ocwen ) charged me when I refinanced my mortgage in XXXX after 29 years of mortgage payments. I purchased my home in XXXX for {$46000.00} ( 30 year mortgage ) and PHH Mortgage Services only credited my mortgage {$6000.00} after 29 years of payments! Please send an itemized accounting of the one-time payment totaling {$40000.00} that I paid in XXXX. DO NOT SEND ANOTHER PAYMENT RECONCILIATION HISTORY! Send me the specific itemization I am asking for. Thank you.
Consumer complaint received 2021-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (CA)

They are attempting to collect a debt for {$6500.00} that does not belong to me. I was a victim of identity theft. 
they have not provided me with a validation of debt or any other document proving this is legitimately my debt. 
They are still reporting it to the credit bureaus as a collection.

it is severely affecting my credit score
Consumer complaint received 2021-06-02
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. (TX)

Company reporting violations to my credit report. Please see the violations below. 

Account Name : XXXX XXXX. Account XXXX XXXX Violation Reported : date of last payments reports XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are all reporting different date of late payments. 

Violation Reported : reporting past due of XXXX, and payment status reports collection/ charge-off. No pass due balance should be reporting. 

Violation Reported : two-year payment history reporting nothing for XXXX, XXXX  reports as CO, and Equifax reports as current/ Ok. These accounts are reporting under the closed account section, and not reporting under the collections accounts section and yet these are charged-off/ collections accounts.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc. (CT)

Last XX/XX/XXXX ( I think ) my I signed up for a Experian 30-day free trial and  about 2-3 weeks later canceled the same having arrived at the conclusion that I will not benefit from its continuation. 

Last month after receiving an email ( see attached ) from Experian informing me of " switching to a premium membership '' which I never did, my husband checked our bank statement and saw that Experian charged us {$19.00} last XX/XX/XXXX and again on  XX/XX/XXXX. 

As this membership had been canceled on the same month I signed in, we were naturally appalled that they would do this so he attempted to contact them by phone but in each instance heard a recorded message that it will take 2 hours ; 2 HOURS to be able to speak to a customer service rep. 

Suspecting that Experian did not want anyone to contact them he wrote a letter addressed to its president XXXX XXXX at their XXXX XXXX CA. address but the letter was subsequently returned with an RTS handwritten on the envelope. 

Clearly, Experian is attempting to avoid any contact with us to explain why they have charged us without our consent. 

Please help us. 
Thank you, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CT. XXXX
Consumer complaint received 2021-06-02
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. (TX)

Company reporting violations to my credit report. Please see the violations below. 

Account Name : XXXX XXXX Account Number XXXX Violation Reported : date of last payments reports XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are all reporting different date of late payments. 

Violation Reported : reporting past due of XXXX, and payment status reports collection/ charge-off. No pass due balance should be reporting. 

Violation Reported : two-year payment history reporting nothing for TransUnion, XXXX  reports as CO, and XXXX  reports as current/ Ok. These accounts are reporting under the closed account section, and not reporting under the collections accounts section and yet these are charged-off/ collections accounts.
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-03-10
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: AMERICAN EXPRESS COMPANY (NJ)

Amex is holding my amount of credit, which Im in my 50s, against an additional card holder on my account, who is in there 20s, She was nvr approved for tht credit amount nor shld it be held against her but it is!! That should not be legal - I hv my child as an additional card holder under my account w a credit limit of {$1000.00}. Yet under credit reporting thy r holding my avail credit amount of {$30000.00} against her even though she ws never approved for that amount of credit. She was denied a loan because of it - CC companies should NOT allowed to hold the credit amount of the main card holder against add card holders for credit reporting reasons!!!!
Consumer complaint received 2021-06-02
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. (MI)

On XX/XX/2021 XXXX XXXX XXXX agreed to settle a collection as paid and to delete the tradeline from my credit report. I disputed the incorrect information with all 3 credit bureaus and the account was updated to reflect the {$520.00} paid but did not delete the account per the letter from the collection agency. This tradeline is hurting my credit score.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

On XX/XX/2021 XXXX XXXX XXXX agreed to settle a collection as paid and to delete the tradeline from my credit report. I disputed the incorrect information with all 3 credit bureaus and the account was updated to reflect the {$520.00} paid but did not delete the account per the letter from the collection agency. This tradeline is hurting my credit score.
Consumer complaint received 2020-08-26
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$6900.00} XXXX XXXX {$900.00}
Consumer complaint received 2021-12-09
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 (CO)

My Venmo account was deactivated for no good reason. I thoroughly read through the terms of service and user agreement, and I never violated them. I made a new account and was paid {$50.00} by a friend, and when I tried to recover my funds, Venmo froze my account and would not let me retrieve my money.
Consumer complaint received 2022-01-09
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. (NJ)

I am writing in reference to TransUnion, XXXX, and XXXX. These credit bureaus have ignored repeated request to correct multiple errors reporting on my credit report. Per the Fair Credit Reporting Act everything being reported by the credit bureaus should be identical! However, the credit bureaus have failed me. They are reporting incorrect information on my credit report. Secondly, my credit report is showing charged-off items as charge-offs and collections this is incorrect reporting. That means these accounts are improperly categorized. It is reporting as charge-off meaning this account is actually considered income under consumer law and therefore are not debts at all. There are multiple reporting errors there is also an account that is also a charge-off that has a reporting history of nothing but CO a charge-off also does not warrant a reporting history! This is wrong. XXXX Department of education are reporting 90 day late payments with no other late payment entries which is also incorrect reporting. XXXX is also reporting incorrectly theyre saying I have 12 90 day late payments and the payment history I am attaching also reflects that incorrect reporting.
Consumer complaint received 2021-06-02
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: DISCOVER BANK (CT)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account XXXX : XXXX This is not mine.
Consumer complaint received 2024-02-26
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. (TX)

Dear CFPB, I am writing to express my deep concern and frustration upon discovering that TransUnion and XXXX have reinserted previously deleted accounts on my credit file, mirroring the inaccuracies reported by XXXX. This situation is profoundly unfair and highlights a troubling tolerance for inaccuracies within their reporting system. 

I was taken aback to find out that the once-deleted accounts are now reappearing on my credit reports without any prior notification or explanation from these bureaus. This lack of transparency and failure to communicate with their verification process is not only unsettling but also puts me at a significant disadvantage as a consumer. 

I strongly believe that the continued inclusion of these reinserted accounts is unfair, biased, and perpetuates discrepancies on my credit report. I insist on being informed of these bureau 's verification process and the rationale behind reinserting previously deleted accounts. Transparency in these procedures is crucial to maintaining trust and ensuring the accuracy of consumer credit reports. 

I request the prompt deletion of these unfair and biased discrepancies from my credit report to restore accuracy and fairness to my credit profile. It is my right as a consumer to have accurate and reliable information reflected in my credit report, and I trust that you will take swift action to rectify this situation. 

I appreciate your immediate attention to this matter and expect a timely resolution.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly.
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2021-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (FL)

This complaint is against XXXX XXXX XXXX which started back in 2016 in which they placed a {$2500.00} charge on me and my sons credit and we have both filed several complaints to the credit agencies with no results and I actually filed a complaint with the XXXX and they never responded to this agencies request. So we found they are claiming that we left the apartment without proper notice and that we trashed the place as well. We gave them advanced notice and we didn't leave the place in a mess. The apartment that I moved into after leaving XXXX XXXX called them to verify that I was in good standing before signing my contract. Southern Management services was hired to collect the debt all they did was just place this account on both our credit reports but both parties avoided the XXXX and did not respond. We are just trying to get this resolved because it has been over XXXX and a half years on our credit history so I hope that you can help us with our problems.. also they are only going to send you what they want you to see because we know that they are hiding something and they have been very nasty with us for all these years for up to just asking a question..
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus.

Company : XXXX XXXX   Account # : XXXX Date Open:XX/XX/XXXX Balance : {$7300.00} Company : XXXX   XXXX XXXX XXXX  Account # : XXXX Date Open:XX/XX/XXXX Balance : {$2300.00} Company : XXXX  XXXX XXXX XXXX Account # : XXXX  Date Open:XX/XX/XXXX Balance : {$13000.00} Company : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account # :XX/XX/XXXX Date Open:XX/XX/XXXX Balance : {$4000.00} Company : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account # :XX/XX/XXXX Date Open:XX/XX/XXXXBalance : {$1100.00} Company : XX/XX/XXXX/XX/XX/XXXX XX/XX/XXXX Account # :XX/XX/XXXXDate OpenXX/XX/XXXX Balance : {$6100.00} Company : XX/XX/XXXXXX/XX/XXXX Account # :XX/XX/XXXX Date Open:XX/XX/XXXX Balance : {$1100.00}
Consumer complaint received 2021-06-02
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I purchased 4 airline tickets for my self and family with XXXX XXXX for travel from XXXX XXXX to XXXX between XX/XX/XXXX & XX/XX/XXXX in the amount of XXXX. The purchase was made on my Chase credit card. Between the purchase and planned travel dates the global pandemic ( COVID 19 ) caused XXXX  ( and all other airlines XXXX to cancel non essential travel. At the time XXXX allowed passengers until XXXX or XXXX of XXXX to rebook the flights at no additional charge. As the pandemic continued non-essential flights between US & XXXX were still restricted by government and it was not possible to rebook by the fall of XXXX. At that time XXXX allowed travelers to convert the tickets to points that could be used in the future to rebook the flights. Then on XX/XX/XXXX XXXX announced they were canceling all US based flight & terminating transatlantic flights. With the cancelation of US based flights we now have unusable " points '', and opened a dispute with Chase on XX/XX/XXXX after becoming aware that it was now IMPOSSIBLE to use the service we paid for since XXXX  no longer flys out of the US & offered no alternative means of transportation between the US & XXXX. On XX/XX/XXXX Chase mailed a letter denying our dispute stating that " the charge took place too long ago ''. Leaving me and my family at a loss of several thousand dollars for travel arrangements that the original merchant ( by choice ) is not capable of honoring.
Consumer complaint received 2021-06-02
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. (PA)

My name is XXXX XXXX an I'm submitting this complaint for myself an there is no third party involved. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this charge. I ask that the false charges be deleted to correct my credit profile. I reported the theft to the Federal Trade Commission and I also have enclsed copies of the Federal Trade Commission Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-07-21
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: LEXISNEXIS (LA)

I have contacted lexis nexis several times about the Bankruptcy that appears on my credit report which some company use my information to filed bankruptcy in my name that can't be vertified by the court or creditors. Also XXXX, XXXX  was order by the court to dispute or deleted these items off my credit report.