davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

We had a loss of income in XXXX and tried to get a loan modification from XXXX XXXX loans. During the modification process the investor ( XXXX  XXXX  ) sold the loan to XXXX  XXXX XXXX for servicing. We then started the modification process with them. In XXXX XXXX loan was identified and flagged as part of Department of Justice settlement with XXXX  XXXX XXXX at a XXXX event. We continued the to submit documentation. While in waiting for settlement documentation from the Department of Justice. On XX/XX/XXXX XXXX  XXXX XXXX notified us that Select Portfolio Servicing was now Servicing the note. XXXX XXXX moved our loan again. Sps stated they did not have to honor the Department of Justice settlement or work with XXXX. Started modification with SPS. They began foreclosure process under XXXX  XXXX XXXX on documents with SPS lawyers. Stating they did not have to refile.we now have submitted rma documents for a modification on XX/XX/XXXX since making homes affordable no longer exist?
Consumer complaint received 2018-07-25
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. (TX)

I was advised to reach out to the FTC regarding the following accounts listed that are not mine. I have also reached out to my local police department and the creditors and have not been able to get this resolved. I'm reaching out to you all to see if you can help me with this. 

UNKNOWN ( XXXX : XXXX UNKNOWN XXXX  : XXXX XXXX, XXXX XXXX  XXXX  ( XXXX : XXXXExperian : XXXX, XXXX XXXX XXXX XXXX  ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX  XXXX  ( XXXX  : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX XXXX  XXXX ( XXXX : XXXX Experian : XXXX XXXX XXXX XXXX : XXXX ), XXXX XXXX XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX XXXX : XXXX, XXXX   XXXX  XXXX TX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX, XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX  ( XXXX  : XXXX Experian : XXXX : XXXX. I requesting the above accounts be removed from my credit report.
Consumer complaint received 2018-07-25
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. (TX)

I was advised to reach out to the FTC regarding the following accounts listed that are not mine. I have also reached out to my local police department and the creditors and have not been able to get this resolved. I'm reaching out to you all to see if you can help me with this. 

UNKNOWN ( XXXX : XXXX UNKNOWN XXXX  : XXXX XXXX, XXXX XXXX XXXX ( XXXX : XXXX : XXXX, XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion  : XXXX ), XXXX  XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX  : XXXX XXXX T ransunion : XXXX ), XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Trans union : XXXX, XXXX XXXX XXXX TX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX ( XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX ( XXXX : XXXX XXXX  : XXXXTransunion : XXXX. I requesting the above accounts be removed from my credit report.
Consumer complaint received 2020-09-04
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)

I am an international student and I received my Social Security Number in USA in XX/XX/XXXX and in XX/XX/XXXX I misplaced my Social Security Card, after which, some suspicious activity was reported on my CREDIT REPORT : FRAUDULENT OPENING OF XXXX  XXXX XXXX XXXX  ACCOUNT.I am a victim of identity fraudulent activity as I did not open this account. I am requesting that the account to be removed from my credit report and that I receive an accurate statement. I had disputed this issue with Trans union bureau and the investigation says that the information on the account is VERIFIED AS ACCURATE. The account is visible on my CREDIT REPORT which are impacting my credit score a lot. As i am an International student, it is getting very difficult for me to apply for loans, get a car and an appropriate insurance as my credit score is  being majorly affected by this Fraudulent activity. I am requesting that these items be removed from my CREDIT REPORT to correct the information. Please investigate this matter and provide me with an Federal Trade Commission Report so i can send it to the bureau in order to remove the accounts on my credit report as soon as possible Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-18
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 WAS CHECKING MY CREDOT REPORT AND i REALISE THAT MY CREDIT SCORE IS LOW. I DONT KNOW WHY YOU PUT THIS INFORMATION ON MY ACCOUNT.
Consumer complaint received 2021-07-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I have reached out to portfolio recovery on more than one occasion to explain to them the debt for the car loan was in litigation. I have been trying to get this removed for over a year now. I dispute it and they send me the same paperwork over and over again. I provided paperwork and proof showing it was part of a class action lawsuit. I also provided documentation showing that the debt was supposed to be removed from my credit report and they refused to remove it. The item is on my credit report multiple times by both portfolio recovery and XXXX XXXX
Consumer complaint received 2021-02-06
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. (DE)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX and contacted the police department. Please block and remove all information from my credit report and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. XXXX XXXX XXXX ACCOUNT NUMBER XXXX 2. XXXX XXXX : ACCOUNT NUMBER XXXX 3. XXXX XXXX XXXX Original creditor : XXXX XXXX : XXXX 4. XXXX XXXX XXXX Original creditor : XXXX XXXX : ACCOUNT NUMBER XXXX 5. XXXX XXXX XXXX : ACCOUNT NUMBER XXXX 6. XXXX XXXX Original creditor : XXXX XXXX : ACCOUNT NUMBER XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2020-04-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

I had a car loan with XXXX  my car was totaled my insurance paid debt then the finance company sold car and never put that money towards loan then charged it off claimed that charge off to the government got credit for it and sold the loan in which has reported wrong amount owed as has falsely reported this debt on my report as a new debt I am not in contract with Jefferson Capital nor have I ever signed an agreement to them that makes me obligated to pay any amounts of money this goes against my fair credit it rights any I would like it removed immediately from all my credit reports.
Consumer complaint received 2021-11-11
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. (NC)

I filed atleast 10 complain since XX/XX/2021 about same issue that Credit bueros reporting late payment of my one mortgage with XXXX XXXX XXXX account # XXXX .. this case is going on since XXXX and XXXX says they never reported to credit bueros and Transunion says shellpoint has reported it. 

1. I am attaching credit report here - where negative report is appearing 2. I am also attaching shelpoint letter where they mentioned they never reported. so who is lying here, either XXXX is lying or Transunion and XXXX is lying. 

If XXXX never reported negative report then who has reported and why credit bueros showing it on report
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2021-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (IL)

I have been getting my unemployment deposited in my chime account since XXXX My unemployment back pay was deposited XX/XX/2020 in my chime account and chime put a hold on my account now I cant access it I have sent over all the information that they requested
Consumer complaint received 2020-09-19
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$23000.00}, {$8900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXXXXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$8900.00} -This is not my account.
Consumer complaint received 2021-07-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

I have an account from XXXX XXXX XXXX  owing over {$45000.00}. Experian continues to report that Im to pay {$45000.00} per month even though I sent them proof that I have an agreement to pay {$250.00} per month. All other agencies has corrected to monthly payment amount but Experian refuses to thereby causing my credit score to stay low and creditors believe that I pay over {$45000.00} per month in child support which is not true. I have been disputing for 2 years from XXXX Now Experian is refusing to accept my disputes which is against the law. The will not fix my credit report
Consumer complaint received 2021-10-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

XX/XX/2021 my laptop froze and I called a XXXX got impression it was agent with XXXX. ( XXXX  ) I was told my social security number was compromised. I never asked any questions, not smart. Agent connected me to Ms XXXX XXXX who said she work at America First Credit Union fraud prevention XXXX, UT. Each time we talk I had a reference number. XXXX also connected me to Social Security Admin. Officer XXXX XXXX XXXX badgeXXXX. ( XXXX ). I was told I had to change my ss # using form XXXX XXXX  XXXX. To safe guard my money I was advised to write 11 times large amounts of money. I had a router number, account number, XXXX XXXX in NY. And XXXX XXXX, XXXX from XXXX XXXX was beneficiary. About XX/XX/XXXX XXXX went dark, phone number was no loner working. A police report was made, IC3 was filed, fraud with FTC was filed and all 3 credit bureaus I freeze.
Consumer complaint received 2021-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NJ)

On XX/XX/2021, I made a payment ahead of time to the mortgage company Home Point Financial in the amount of {$1700.00} to satisfy the payment due for XX/XX/2021. This action makes my next mortgage payment 's due date as XX/XX/2021. In a letter dated XX/XX/2021 from Home Point Financial, I was advised that my new loan servicing company will be XXXX , XXXX ( XXXX ) effective XX/XX/2021. XXXX , XXXX ( XXXX ) does not have the payment I made to Home Point Financial and still has my next payment due date as XX/XX/2021, not XX/XX/2021, and does not have my payment from XX/XX/2021 reflected in its account dashboard. I also spoke to a XXXX , XXXX ( XXXX ) customer service representative on XX/XX/2021, who confirmed that they did not receive monies of my XX/XX/2021 payment from Home Point Financial. This has not been a smooth transfer of my mortgage, and I am worried that my payment is unaccounted for and that it may appear that I did not make a timely mortgage payment, which can adversely affect my credit.
Consumer complaint received 2021-07-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: We Collect Inc (OR)

My name is XXXX XXXX. On XX/XX/XXXX I sold my vehicle to XXXX XXXX of XXXX, Oregon XXXX. DOB XX/XX/XXXX. Phone Number : XXXX. His wife is XXXX XXXX and can be reached at XXXX. I sent my transfer of liability form to the DMV on XX/XX/XXXX via mail, I sent a detached signed copy of my title via mail to the DMV, and I filled out a transfer notice on the DMV online web portal. 

The vehicle was reported stolen on XX/XX/XXXX and was found crashed. The owner showed police proof of ownership yet the towing company fined me, then they sent me to collections. I have provided official copies of police reports and certified documentation demonstrating my release of liability to the debt collection agency. I have sent numerous emails and phone calls, and I have not received a call back providing me any information that this debt was removed from my record. I am being held liable for {$800.00}, this is not my debt and I do not owe it. They have provided me little information about actions taken or not taken on my behalf in relation to this debt and have not provided me any clear or concise details as to the process of this debt being removed from my name. I also have no idea if my tax refund or unemployment funds are being held up because of this agency. 

Towing Company Involved Speeds XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : ( XXXX ) XXXX XXXX Case # XXXX Vehicle XXXX XXXX XXXX XXXX License Plate : XXXX VIN : XXXX Date of Tow : XX/XX/XXXX
Consumer complaint received 2021-05-03
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: Santander Consumer USA Holdings Inc. (MA)

Hello Santander Consumer department ; Listen, I'm a little concerned about how this account continues to report on my credit profile. There are so many inaccuracies, incompleteness, and misleading information. See the attachments! Why are there so many inconsistencies in the way it's reporting? How come? Each credit bureau is reporting a different amount owed - which i already paid off the accounts months ago! Each credit bureau is reporting different dates of last active, dates of last payment, dates of last verified, different comments on the account, inconsistent with payment history, etc. I paid off this account but XXXX  is showing that i still owed $ XXXX? How? Also, the date opened seemed questionable? Also, i'm missing a lot of payment history ... Look at it closely on the attachment ... Impossible that you verified this account from my previous disputes and yet it continues to report all these errors. Delete for inaccuracies! Even the account rating shows, closed, open, and paid! HOW???
Consumer complaint received 2021-07-08
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. (AZ)

I never authorize anyone to share my information. Please remove it from my report. I also know that the FCRA states that only purposes for pulling someones credit report is : firm offer of credit, insurance, court order or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove from reporting on my credit report.
Consumer complaint received 2021-05-03
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: EQUIFAX, INC. (FL)

So recently I checked my profile ad I found out items that do not belong to my activity. I mean I do not know these items and I have never been connected with these accounts. So I am asking you to delete them from my credit report because they are killing my score and as a result I have financial issues now.
Consumer complaint received 2021-06-30
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: EQUIFAX, INC. (CA)

I have sent multiple letters of dispute over the course of 5 months dated XX/XX/21 and XX/XX/21. I have yet to receive an investigation, response, or any type of communication back.
Consumer complaint received 2021-07-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (NM)

On XX/XX/2021 around XXXX XXXX XXXX I received few alert emails from XXXX XXXX  mentioning there is an inquiry and the change to my credit report. This is very suspicious as I did not need to apply for any loans at the moment. I logged in to XXXX and found there is a Hard Inquiry from ONEMAIN Address : XXXX XXXX XXXX XXXX, IN XXXX Phone number ( XXXX ) XXXX. I called the number and I was asked to provide my phone number but my number did not match to the application on file. Then I was asked to provide the XXXX, they found it and locate the loan went to One Main Financial address in XXXX XXXX XXXX, XXXX, NM. They then connect me to the loan officer, they have verified the email address and the Phone number provided did not match mine. The phone number on the application start with XXXX are code and last XXXX is XXXX, also the email was a gmail account. They have assured me that in this case someone had used my XXXX for the loan and they have stopped from processing the loan and assured me that there will be no money approved for this loan. I have also clarified that this has never happened before, and I had a XXXX XXXX XXXX against my XXXX  when this issue occurred. Highly suspected that this must have been done by someone who knew my XXXX but I have no proof. They had advised me to freeze the credit report from all XXXX credit bureaus, to make sure similar issue will not happen again. I have done everything they suggested me to do, and have also file a dispute to XXXX to have this Inquiry remove, but this is still in process.
Consumer complaint received 2021-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

So recently I checked my profile ad I found out items that do not belong to my activity. I mean I do not know these items and I have never been connected with these accounts. So I am asking you to delete them from my credit report because they are killing my score and as a result I have financial issues now.
Consumer complaint received 2021-07-08
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. (NC)

Equifax reported 11 unauthorized inquiries on my credit file without my written consent dates XXXX irresponsibly and it damaged my credit worthiness reputation. After I disputed the inquiries, they were eventually deleted between dates XXXX but as a consumer my right to privacy was violated and I gave no consent to those 11 unauthorized inquiries. I am aware that equifax is civilly liable for damages to me by misuse of my consumer file.