davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In XXXX I receive a Home Affordable Modification from my servicing Company Select Portfolio Servicing XXXX XXXX  XXXX XXXX XXXX XXXX UT.XXXX ( XXXX ) XXXX My Modification was in XXXX of XXXX in the agreement Recital 3 ( c ) of the modification agreement the total Deferment amount of XXXX would be waive in thirds on each anniversary of the modification as of XXXX of XXXX Select Portfolio Servicing has not honor their agreement or obligation to the modification agreement first payment agreement : provided that i maintain a current status. 
the wavier breakdown is as follow 1 ) XXXX XXXX in the amount XXXX ( not completed by S.P.S ) 2 ) XXXX XXXX in the amount XXXX ( not completed by S.P.S ) 3 ) XX/XX/XXXX in the amount XXXX ( not completed by S.P.S ) How ever my Servicing Company has fail to to address my concern i have sent a request to the customer correspondence department this issue has prevented me from refinancing my home and has cause huge delays and cost
Consumer complaint received 2023-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

My wages have been garnished from a public case dated XX/XX/XXXX without my knowledge. 

After moving from an address, another entity took the creditors catalog ( XXXX ) and used my account to order massive products. When I received the bills I disputed them immediately. They were done by someone with a different name than mine. 

A fraud alert was filed with XXXX XXXX on XX/XX/XXXX. 

The creditor did not address this alert. Instead they sued me in XXXX XXXX I lived in. At the time, I was under complete duress with a still born child and a parent in hospice. 

My options for resolution were never disclosed. 

The account was purchased by Midland Credit Management. 

The creditor has now since garnished my wages without me receiving any paperwork to the effect. 

I have contacted Midland Credit Management for this alarming issue and was advised to start an appeal. They did confirm they sent the paperwork to an old address. 

My current address was provided to them. 

How can I get this resolved?
Consumer complaint received 2020-10-22
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. (OH)

I am a victim of identity theft. First I started getting calls from creditors that were threatening concerning accounts I know nothing about. I decided to look at my credit and noticed addresses I never lived at & fraudulent accounts that don't belong to me. I immediately called the cops to get a report.
Consumer complaint received 2020-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My capitol one card was debited on XX/XX/XXXX for the amount of XXXX, onced debited the amount of XXXX was removed from my account available balance. Once the transaction finally settled, it settled for XXXX and i was suppose to receive the remaining amount of XXXX which i have not received to this day
Consumer complaint received 2015-12-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

XXXX XXXX fraudulently reported a dispute on my credit report for a {$600.00} collection. This is shows as a revolving credit which was paid in full over a year ago. The dispute was finally removed after 4 months. However, my home loan is being denied 10 days before closing because XXXX XXXX/HSBC is refusing to delete the inquiry off my report. I am about to lose my home loan all because a {$600.00} collection was fraudulently disputed and effected my credit. If it had n't been disputed and the dispute recently removed, I would be approved for my home loan.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I am writing to dispute the accuracy of information being reported on my credit reports with Experian and XXXX. Upon reviewing my credit reports, I have identified several inaccuracies related to the fraud accounts from XXXX XXXX XXXX, which are not in compliance with Metro 2 guidelines and are in violation of the Fair Credit Reporting Act ( FCRA ). 
Account 1 : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Original Balance : {$16000.00} Current Balance : {$18000.00} Status : Account charged off. {$16000.00} written off. {$18000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Payment History : The account is reported as being opened in XX/XX/XXXX yet the payment history is reporting missed payments in XXXX when this account WAS NOT opened. The status update says XXXX and the account was NOT opened until XXXX and charged of in XXXX so the status update date is inaccurate as well as amounts and the actual personal information as I DID NOT OPEN this account and if you are reporting all of these inaccuracies I can image ALL THE information in my report is inaccurate! 
Account XXXX : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Original Balance : {$25000.00} Current Balance : {$26000.00} Status : Account charged off. {$23000.00} written off. {$26000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Payment History : The account is reported as being opened in XX/XX/XXXX yet the payment history is reporting missed payments in XXXX when this account WAS NOT opened. The status update says XXXX and the account was NOT opened until XXXX and charged of in XXXX so the status update date is inaccurate as well as amounts and the actual personal information as I DID NOT OPEN this account and if you are reporting all of these inaccuracies I can image ALL THE information in my report is inaccurate!
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (MD)

Contacted Netspend customer service at XXXX to attempt to close a Mastercard that was sent without solicitation. Spoke with XXXX at their customer service to close account. This company violated the Truth in Lending act of 1968 and the Board of Governors of the Federal Reserve System regulation Z.
Consumer complaint received 2020-05-22
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: PRANCER CAPITAL CORP (FL)

I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to PRANCER CAPITAL CORP to get the inquire removed but, they haven't resolved the matter.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax has been non-compliant with removing the unverified account XXXX XXXX  XXXX XXXX Opened Date XX/XX/2013 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/2016 American Express placed an inquiry on both my XXXX and XXXX credit report which I did not authorize. The American Express Website contains a page ( https : XXXX ) where they claim you are able to " See if we Have Any Pre-Qualified Offers for You Find out in less than a minute without affecting your credit score '' However, when I completed this information it resulted in hard inquiry on which reduced my credit score by 9 points. I called to complain about the situation but was treated very rudely by " New Applications Manager '' in XXXX ( XXXX ). She told me there was nothing that could be done and when I asked her how I could complain to the company CEO she told me to " google it ''. I am shocked at the lack of customer service when an obvious error has been made on the part of American Express. I would like all inquires on XX/XX/2016 removed from my credit report immediately.
Consumer complaint received 2020-07-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I file 2 disputes with transunion they refuse to verify items on my credit report that is not reporting accurate which is preventing me from getting a home
Consumer complaint received 2017-08-11
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. (FL)

In regards to the XXXX collections on my credit report, I have called several times with hopes in settling the debts as I am in the process of purchasing a new home. Each time I have called, even in speaking with a supervisor, I have been told that the debts are beyond the statue of limitations and they can not collect any monies on the accounts. If the debts are beyond the statue of limitations and they are refusing to collect any monies from me, then why are they reporting these debts to my credit report. I need these removed ASAP. XXXX : {$5300.00} - {$2500.00} Also, in regards to the XXXX XXXX XXXX account listed on my Equifax report, I have requested in writing twice now for Equifax to remove the debt from my credit report as I am an authorized user on this account and it should not be listed on my report as it is negative. Please remove this account ASAP.
Consumer complaint received 2017-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Reliant Capital Solutions, LLC (MI)

Reliant Capital Solutions began to garnishment actions against my wages on XXXX XXXX, 2017. The amount being withheld is {$310.00} per pay period ( twice monthly ). I was never contacted by Reliant never attempted to contact me to collect the debt or allow me to make payment arrangements.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-07-17
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. (TN)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$600.00} XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXXXXXX Balance : {$300.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX
Consumer complaint received 2024-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (VA)

I have an account with Venmo pay service. I started with a personal account and I used it to sell goods and services to my customers and my account kept getting suspended etc. so I created a business account with Venmo to help with When my customers sent me money, Venmo blocked my account, seized the money that was sent and sent an email saying that I somehow violated their community standards which I did not violate anything. When I contacted them to find out why I wasnt able to transfer my money over to my personal account or even add my bank information to my Venmo account so I could do a standard direct deposit. I asked them what the problem was and they escalated the problem to the higher ups and the department. Somehow they claim I violated user agreements, which I did no such thing I have tons of proof that they are Violating their own terms and illegally holding money from myself and my customers because now my customers cant even get their money back or issue a refund and claim that any money would be resolved within 180 days which is unacceptable in my book
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

first collection resources is attempting to collect alleged debts owed on behalf of XXXX XXXX. XXXX XXXX has informed me that a third party was used to gather my personal information. no transactions between me and XXXX XXXX ever occurred. no transactions between me and first collections ever occurred.no transactions from me and XXXX XXXX  ever occurred. The policy was written by XXXX XXXX, underwrritten by XXXX XXXX XXXX. By XXXX XXXX own admission they used a third party ( XXXX XXXX  ) to collect my information and now is using a fourth party ( first collections ) to attempt to collect a debt.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (FL)

Lexis Nexis Consumer Center is reporting that " other-not-at-fault '' on a XX/XX/2020 accident, when the other was at fault, ran a red light, I was the only driver who had a right of way to be in that intersection. I received no citation, and I suspect the other driver who ran the red light did. His insurer XXXX paid for the accident and reimbursed me my deductible to further corroborate I was not at fault. 

So, when my renewal came up in XX/XX/2020, I wanted to swtich to XXXX and from XXXX with whom I've been for the last seven years. XXXX gave me a quote of {$590.00}, but then changed it to {$1200.00} when they saw this erroneous credit report from Lexis Nexis. They explained the adverse decision was due to the report. I'm stuck with XXXX paying a higher rate of around {$770.00}. XXXX agrees with me that the XXXX accident was clearly the other driver 's fault as there are no surcharges on my end at all from that incident. 

Lexis Nexis purportedly has no one to answer its automated phones, I'm stuck in the seventh circle of XXXX over there trying to get them to get this off my credit report or do an accurate report of what occurred. And I'm losing valuable time trying to fix something I shouldn't have to fix based on some data entry person 's erroneous assumptions from who knows what sources. 

Help. XXXX XXXX
Consumer complaint received 2017-08-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Check Security Associates, LLC (CA)

Contacted XX/XX/XXXX by number suggesting they 're taking pre-legal action. Shortly thereafter, significant other received phone call, requesting employment verification on my behalf.
Contacted again XX/XX/XXXX by number suggesting pre-legal action again. An hour later, significant other 's father ( who lives out of state and we have n't contacted in nearly a year ) receives phone call requesting employment verification.
Phone number was called repeatedly at their behest, only to receive no answer.
Consumer complaint received 2023-07-17
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: MARINER FINANCE, LLC (NC)

I have been getting phone calls from Debit collectors for a loan I did not take out. This is also on my credit report. This loan came from Mariner Finance , LLC in XXXX, MD XXXX. The person that took out the loan did this online according to the loan office. It was a personal loan for {$35000.00}. the check was sent to an Address in XXXX NC. I do not live in XXXX, and I did not take out this loan. There saying because the last 4 of my socials was used and they want me to pay for this loan. I have had several debit collector calls and tell me I need to pay for this loan.
Consumer complaint received 2019-11-02
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: Account Recovery Services, Inc. (WA)

Account RCVY collection company has several inaccurate and false collection items on credit report. These are not my debts. Never heard of company. Lawyer on my behalf stated I should go thru consumer protection Bureau first to give collection agency one last chance to remove off of credit reports before we proceed.
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: First Financial Resources, Inc. (MA)

I received a voicemail today from FFR ( First Financial Resources ) calling about a debt. I don't have any debt, so I called right away and was told they were calling about someone else 's debt but would not give me any other information besides a name. The rep said, " this must be your mother or sister? '' She was wrong, it is not, and it is completely inappropriate to contact people other than the debt holder. I asked how she got my number, she said that she had several numbers to call to reach this person but couldn't discuss it with me since I am not on the account. I asked how she got MY name if I'm not affiliated with the debt? She refused to answer me and hung up on me. I called back to ask more questions and she hung up on me again.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

On XX/XX/2023 I notified Citibank that an EFT from XXXX XXXXXXXX that was not authorized was being taken from my account. Citibank promised me provisional credit while they investigate the matter further with XXXX. I have yet to get the credit and so I have asked Citibank to put a hold on my account and I transferred my funds to another account to protect them since Citibank will not. I have been a member of Citibank for over 20 years and I do not understand why I am having issues like this. I am hoping that this issue gets cleared up sooner than later and once done I need a new account number to stop this from happening again in the future.
Consumer complaint received 2023-07-16
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. (TX)

In accordance with the fair credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX, Account # XXXX credit acceptance, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX 15 U.S.C 1681 Section

602 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also sta
tes a consumer reporting agency can not furnish a account without my written instructions.