davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (IL)

I am writing to dispute the denial of my approved modification, for multiple reasons. 

* Selene was mailing documents to the wrong address ; you had my address listed : I was not informed in a timely manner that my loan was transferred from XXXX to Selene, I never received email, mail, or a phone call to notify me of the transfer. The first contact I received was mailed on XX/XX/2022. 

A payment was supposed to be drafted from my bank account on XX/XX/2022, and was not because the Selene Agent I spoke with via telephone entered the account number incorrectly. My account ends in XXXX, and the agent entered XXXX. 

* On XX/XX/2022, I received correspondence ( dated XX/XX/2022 ) that my account was now in default, and I called on Monday, XX/XX/2022. I spoke with an agent I believe it was XXXX and explained the situation, and let her know I would have my bank mail a check to Selene. I got paid on XX/XX/2022, and XXXX XXXX  sent a check on XX/XX/2022. On XX/XX/2022, I called and spoke with a different agent I believe XXXX, to figure out what happened to the check I mailed. I was informed the check was returned. When I received the correspondence dated XX/XX/2022, it stated as the payment is less than the agreed-upon amount required to cure the default on your loan, was not certified funds, or was not the agreed-upon amount. I was told to send the final payment in the amount of {$540.00} which was the agreed amount from the modification from XXXX, nor was I told to send certified funds. The letter also stated, we have been trying to reach you in reference to reference to this payment. The only contact was via letter, with no phone or email attempts. When I spoke with XXXX, I asked for the contact information for my Assigned Loan Resolution Consultant, but she could not provide the information requested. I am asking again who is the Assigned Loan Resolution Consultant, and how I contact them? 

In closing, I attempted to make the 3rd payment both attempts were made within 60 days of my initial contact from Selene which was on or about XX/XX/2022, when I received the correspondence dated XX/XX/2022. All I am attempting to do is save my home and have the modification agreement I had in place honored. Again I ask that I receive any and all communication via electronic mail, as phone and USPS to date have been ineffective. 

Thank you and I look forward to a timely response. Thank you!
Consumer complaint received 2020-09-08
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: Experian Information Solutions Inc. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of. Section 511 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the Federal Trade Commission. This has been truly stressful. My information was also impacted by the XXXX data breach and may have somehow gotten into the wrong hands. No matter what I need them to remove these inaccurate things from my credit report. It's ridiculous for them to have even taken this long to remove clearly inaccurate information
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Premier Lending Corp (AZ)

My account was placed in foreclosure no 30 60, or 90 day notice showing on my credit. I was approved by HAF government program for reinstatement of my loan and was declined by mortgage company stated I need to pay loan off in full they wouldnt accept payment to bring loan current after being in a Covid forbearance. Mortgage company Premier Lending wouldnt remove foreclosure status even after I paid loan off it never foreclosed. Asking to have removed from credit as a foreclosure payoff to just say payoff. Investor on loan is XXXX XXXX. Because saying foreclosure it is not allowing me to move forward with or begin able to purchase another property.
Consumer complaint received 2021-01-04
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. (MD)

( XXXX XXXX ) IS REPORTING LATE PAYMENTS ON MY CREDIT REPORT THERE ARE A COUPLE ERRORS ON MY CREDIT REPORT WITH LATE PAYMENTS DURING XXXX, XXXX, XXXX AND XX/XX/2020 I WAS NOT LATE ON THESE PAYMENTS I ALSO HAVE A XXXX BALACE ( XXXX XXXX ) HAS A 30 DAY LATE ON MY CREDIT PROFILE I HAVE NEVER MISSED A PAYMENT WITH THEM
Consumer complaint received 2021-05-25
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. (TX)

Transunion credit agency has removed accounts on my credit report related to fraud and I have sent them proof on several occasions to correct and they still refuse to help me. It has been 8 months and they still will not this information from my credit report.
Consumer complaint received 2023-08-28
Product: Credit reporting 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 XXXX XXXX  has violated my right. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : Its also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-01-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA (NY)

company has committed fraud pursuant to 12usc 1431 because they are not authorized to issue credit only debt. also the alleged credit card does not meet the definition of a credit card In accordance with 15 usc 1602 ( I ) and according to 15 usc 1602 ( g ) the bank does not meet the definition of a creditor
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

I have disputed my Discover credit card for multiple charges by XXXX XXXX which were not initiated by me. I am sure that as a credit card company Discover can see where the charges are coming from with the name and XXXX XXXX. I had absolutely nothing to do with the fraudulent charges that were made to my Discover account. Discover assigned a XXXX agent to my case that would make fun of my accent and kept denying my claim as if I was the one that used the card and tried to dispute the charges. I am an old customer with Discover and I would never go as low as to use my card and blame it on fraud. Thanks God we live in the most advanced country with the most advanced technologies and for Discover not to be able to properly investigate and find the perpetrators is simply not true. Discover preferred to blame it on me rather than investigate the charges and find the real fraudsters. If I am guilty of committing this crime they should go ahead and charge me with fraud but instead they find the easiest solution-blame it all on the card holder.
Consumer complaint received 2022-04-07
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: EQUIFAX, INC. (GA)

During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit inquiries, as well as ones that were clearly deficient of the compliant demonstrated permissible purpose ( to be kept or disclosed lawfully ), allegedly made by the following Original Creditors. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. Equifax failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, per pursuant of section 604 it indicates the only permissible purpose for inquiries are firm offer of credit, court order, employment and insurance. From my records neither did I authorize these inquiries there is not permissible purpose that applies so therefore Equifax is REQUIRED to immediately remove each and every last one of them from my credit report.
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Neighborhood Autos, LLC (NV)

I tried reaching out to wise credit llc back on XXXX & XX/XX/2023 about getting this vehicle removed off my credit but I have not heard back and I am unable to find a number for them to get to the correct dept as I filed a XXXX XXXX bankruptcy
Consumer complaint received 2022-04-28
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: CBC Companies, Inc. (IL)

I was looking into rates for refinancing and XXXX XXXX or Factual Data said this was just a quote and was a soft inquiry now on my credit report
Consumer complaint received 2021-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Credit Recovery, Inc. (LA)

entered a consumer credit transaction with SOUTHERN CREDIT and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that SOUTHERN CREDIT claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. SOUTHERN CREDIT has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to file a formal complaint regarding an inaccurate late payment entry on my credit report associated with an account labeled " XXXX  XXXX and XXXX  XXXX XXXX '' with Account Number XXXX. This late payment is in error, as I have never been late on any payments, and I kindly request that this erroneous entry be updated and removed from my credit report. 

The reporting of a late payment associated with the " XXXX XXXX and XXXX XXXX XXXX '' account is entirely inaccurate. I have consistently made on-time payments for this account, and I can provide documentation to support this fact.
Consumer complaint received 2022-04-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Hello, I have been trying to removed these companies I have no idea about how I owe them money. They are updating wrong information on my account like I just opened an account. It is frustrating to see how your name got attached to things you have clue about. I asked them to send me proof they are sending statements. Which is totally wrong information. Things I have no clue about. Please look into my account. Thank you
Consumer complaint received 2021-12-04
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. (LA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance {$960.00} JXXXX XXXX XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2020-12-09
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 — Investigation took more than 30 days
Company: Credence Resource Management, LLC (FL)

I have filed a dispute on XX/XX/2020 in regards to the incorrect items on my credit report, it has been well over 30 days and haven't received any investigation results.
Consumer complaint received 2024-04-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc. ()

My name is XXXX XXXX and i am from XXXX. I was using Blockchain for XXXX but they restricted my ability to sell, when i reached them to ask why this happened they had no answer and said that they are pushing my ticket to a higher authority, ok, after 2 days i recieved an email with the content " Your gold status is not available at this time '', i was gold, that means i was verified but after this somehow my account got locked even harder plus my ability to send XXXX was also locked. My money are locked and at the time i wanted to withdraw i had XXXXXXXX XXXX now i have only XXXX ( on XXXX of XXXX ). I am waiting a response from them since last month, but no one is saying me anything. Please help me with this situation.
Consumer complaint received 2021-12-04
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. (LA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance {$960.00} JXXXX XXXX XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mountain Land Collections, Inc. (UT)

Mountain Land Collection is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed that Mountain Land Collections was on there, I immediately called and settled the account. I was completely unaware that this was reporting on credit. I ask that they remove this account from my credit file since I was not notified about this account.
Consumer complaint received 2020-09-08
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. (NV)

Over the years XXXX XXXX  would remove and then replace back on my credit file. This causes my fico score to go down. I am never given my fico points back. They also dont show correct balance. I always dispute with Equifax and company but they just shift the blame leaving me to suffer the damage of a bad credit score. It has happened again today XX/XX/2020. I put another dispute in today.
Consumer complaint received 2022-04-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc. (AL)

I am trying to payoff a debt that has not changed balance in approximately a year since it was turned over to the current collection agency, in 60 days it has increased by approximately XXXX yet the invoice said no interest or fees are being assessed and I requested a payoff two weeks ago, and have not received a reply. The website forces you to agree that you are a customer in order to get the payoff, I added a disclaimer in my verbiage requesting the payoff and no one has called me. The Company is Real Time Resolutions on behalf of XXXX XXXX XXXX XXXX XXXX. I just want to be done with XXXX XXXX XXXXXXXX, as they are shady and unfair. 

I just received the payoff an includes default interest, in which a lump sum should be waived due to XXXX.
Consumer complaint received 2021-12-04
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. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681 623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA, I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : Unverified account 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 3 ) Certain public record information Except as otherwise provided insection 1681k of this title, aconsumer reporting agencyshall not furnish aninvestigative consumer reportthat includes information that is a matter of publicrecordand that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting Act. XXXX, Transunion and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to the 15 USC 1681 Section 602 A. States I have the right to privacy. 

These addresses do not belong on my report : 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 XXXXXXXX XXXX XXXX Incorrect variations of names do not belong on my report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX Incorrect employers do not belong on my report : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-02
Product: Credit 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: Block, Inc. (CA)

I returned a product in store got the return receipt, nothing was refunded as I did use a third party payment Afterpay I submitted a ticket to process my refund providing the return receipt but no response
Consumer complaint received 2021-12-04
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: Affirm Holdings, Inc (PA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST remove this collection account immediately. 

AFFIRM INC XXXX XXXX : {$1200.00} ;
Consumer complaint received 2021-04-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (PA)

So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally