davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-06
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: Experian Information Solutions Inc. (MO)

I have a U.S Bankruptcy Courts that is reporting on my credit report. I have reached out to Experian on XX/XX/18, XX/XX/18 and XX/XX/2018. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. Experian has yet to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. Also when asking how they are getting the information. I receive a response that they are getting the information from XXXX XXXX. When I contacted XXXX XXXX they stated that they got the information from Experian. I am getting furious with going back and forth between Experian and XXXX XXXX. This inaccurate information is hindering me from getting a home loan. 

Under the FCRA, section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and or judgement all accounts ad public records hat you post o anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Consumer complaint received 2021-09-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

XXXX, XXXX and Experian was notified by certified mail of a bankruptcy on my credits reports on XX/XX/XXXX XXXX To remove it off my public records or investigate while its XX/XX/XXXX and i have not heard anything from them. Its been a ongoing problem since XX/XX/XXXX they sent me a letter stating that the courts of bankruptcy verified the bankruptcy and the courts sent me a certified letter stating that they don't release that kind of information its illegal for them to. I would like for it to be removed because they didn't provide me accurate information nor respond in a timely manor.
Consumer complaint received 2021-09-09
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. (NJ)

I am a victim of identity theft. There are fraudulent accounts on my credit profile that needs to be removed immediately. I have never had accounts with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, I never have had any credit cards in my life. I have never lived at any of the addresses listed on my report and my name is not XXXX XXXX.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (TX)

On XX/XX/XXXX, I purchased a duplex property with the address XXXX, TX XXXX. I bought the duplex through XXXX, who transferred the servicing of my loan to Specialized Loan Servicing , LLC ( SLS ). I have an escrow account required for the loan, which SLS services. In XX/XX/XXXX, when the property taxes for both sides of the duplex were due, SLS paid the taxes for only XXXX. I did not notice the unpaid taxes until I received a deliquency notice from the XXXX County Tax Assessor. On XX/XX/XXXX, I contacted SLS by phone to inquire about delinquent property tax notices I had received for my home loan XXXX : XXXX . I contacted SLS because my loan requires an escrow account and SLS is required to make the appropriate tax and insurance payments under the loan servicing agreement. I spoke with an agent who was very apologetic and confirmed this was an error. The explanation given was that SLS ' had mistakenly paid the taxes on only XXXX parcel of the duplex property. She thanked me for bringing the error to SLS ' attention before the delinquency date for the property taxes and said that they would rectify it promptly. I accepted this resolution and notified the agent that I would be sending a qualified written request ( QWR ) including the county tax assessor 's bills as documentation of the issue. I sent this QWR the same day to the address of SLS ' XXXX tax office given by the agent. By XX/XX/XXXX, I had not received any further contact from SLS as required by the 5-business day window for acknowledgement of a QWR. By XX/XX/XXXX, I still had not received any contact from SLS despite it being 20 business days from the date of my QWR. I was still receiving bills from the county tax assessor and my taxes were listed as delinquent. On XX/XX/XXXX, I called SLS and was told by the agent that they had received my QWR and had an open ticket in their system for the issue. She assured me I would receive an explanation by mail on XX/XX/XXXX. By XX/XX/XXXX, I had not received any correspondence from SLS. By XX/XX/XXXX, it had been 6 weeks since SLS first promised to resolve this issue. Due to the advanced state of delinquency and SLS ' failure to resolve my issue, contact me in any way, or issue their legally-required response to a qualified written request under Section 6 of Real Estate Settlement Procedures Act ( RESPA ), I sent a demand letter outlining my complaints and requesting the full amount of property taxes due, which was now inflated by XXXX dollars due to penalties and interest. By XX/XX/XXXX, I received my first and currently only response from SLS which stated that they were looking into my issue but did not give me any resolution or a timeframe to a resolution. On XX/XX/XXXX, I paid the full amount of my delinquent property taxes myself to avoid incurring any more penalties. I intend to file suit against SLS for their egregious mishandling of my mortgage despite reaching out several times to them and trying to reach an amicable resolution.
Consumer complaint received 2022-01-06
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: Credit Plus Inc (NC)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2018-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

We purchased our home inXX/XX/XXXX. Our mortgage was with XXXX XXXX XXXX but, it was sold to Select Portfolio Servicing. Due to the housing crash inXX/XX/XXXX as well as a poor economy we have struggled with the mortgage payments since the beginning. We own our own business. Shortly after Select Portfolio Servicing purchased the mortgage from XX/XX/XXXX we tried a modification. The process was a complete disaster. After 6 months of sending the same information to Select Portfolio ( ex : I would send what was requested, I would be told they had everything for their underwriting dept, I would check back a week later only to find out something else was needed. After 90 days I had to send a new packet and the process started all over again ) we finally gave up on the first modification and have tried to keep up with the payments. Unfortunately, we were not able to make our payment inXX/XX/XXXX. We have missed 3 payments ( we were able to make a payment last month - I was told this would keep us out of foreclosure status ).

The second loan modification was started XX/XX/XXXX. I contact SPS about every 10 to 14 days and every time I contact them there is " something else needed ''. I verify with the representative that what is needed is all that is needed and their response is " yes ''. The last time I called I was told the bank statements I sent over at their previous request did not have the deposits circled and they could not tell what deposit to look at. These bank statements had 1 deposit on each of them! and this was the deposit information they were needing. When this modification was started I was told by SPS that they had improved their modification process and had been very successful at helping their clients.

We were provided with a direct contact for each modification. It was the same woman. I don't believe she exists. We have never spoken to her. She is never there. The last time I called I asked to speak to someone in underwriting and I was told that the underwriting department does not have telephones. I was not allowed to speak to anyone in underwriting. We don't have a loan officer to speak with. Every time we call we get someone in a call center.

We have requested a modification. If this is not possible then, allowing us to put some of the mortgage payments we are behind on at the back end of the loan could be an option.

I don't believe SPS has any intention or providing a modification or a payment arrangement for us. We understand we are at their mercy. What I don't like is their misrepresentation of the modification process and how we are being treated.

We have tried selling our home in order to get out of the mortgage debt but have had no luck. Our home has been up for sale and is currently up for sale in the hopes that we can sell it before we are foreclosed on. We do want to keep our home however, if we can sell it and payoff the mortgage then both SPS and us are successful.
Consumer complaint received 2021-08-05
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. (CO)

In XXXX I requested that Equifax investigate / dispute my XXXX Account and Reinvestigate my account. 

While the issue has been resolved by XXXX, Equifax still shows the account as being disputed. It shows this even though Equifax shows the dispute as closed as well the company corrected the mistake.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (FL)

I have yet to receive my way2go Florida unemployment benefits card it has been over 2 weeks I have called repeatedly waiting on hold for hours only for them to say there servers are down and call back later and hang up before I can say anything or I wait on hold forever and they act like they cant hear me and hang up on me they have my card with {$1200.00} on it I dont know what to do
Consumer complaint received 2023-03-04
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: Paypal Holdings, Inc (AL)

I filed a dispute for a payment I did through PayPal for an item that never showed up in the delivery timeframe it was supposed to be delivered. I contacted the merchant and informed them of the case because they refused to initiate a refund after making it clear I no longer wanted the item and informed them that it would be marked " returned to sender '' if it was finally delivered after being stuck in limbo for over a month. PayPal gave me a resolution date of XX/XX/XXXX and I provided them with all the information requested about the transaction. Once the resolution date got closer, PayPal extended the date again and moved it to XXXX despite being told that the case was ruled in my favor and received confirmation that the merchant received the item back. Despite that, PayPal continues to give me no answer and keep telling me to check my emails for a follow up even though they have confirmed that the case was in my favor. I've repeatedly expressed that waiting any longer was not acceptable and that I just wanted my money back after confirming the merchant received the item back.
Consumer complaint received 2018-01-23
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. (CA)

This company made a grave error that caused a devastating effect on my credit file. I already disputed these with the credit bureaus before but they refused to fix the error they 've made. Incorrect information such as wrong addresses, phone numbers, accounts, and inquiries has been reported in my credit file. All these information do not belong to me and should n't have been reported on my credit file. Despite my efforts on fixing these errors, these credit repository remained negligent and noncompliant. I only moved to XXXX XXXX XXXX, XXXX XXXX, CA last year and this is the only address associated with me. They only phone number that should be reported is my phone number ending in XXXX. This is the only phone number I ever had. EQUIFAX also reported accounts from XXXX XXXX XXXX opened last XX/XX/XXXX and account with XXXX XXXX reported opened last XX/XX/XXXX. These are not my accounts. I am a victim of this credit bureau 's mixed up files. Furthermore, there had been inquiries reported that donot belong on my credit report. Inquiries XXXX XXXX  last XX/XX/XXXXand XX/XX/XXXX, XXXX pulled last XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX pulled last XX/XX/XXXX and an inquiry by XXXX XXXX pulled last XX/XX/XXXX and XX/XX/XXXX. Attached to this complaint is a letter from XXXX stating " that my credit file might be combined with someone else who has a similar name '' This company has mistaken me for someone else. This is my last effort to have this bureau fixed before I get a legal counsel involved.
Consumer complaint received 2021-08-13
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: Fidelity National Information Services, Inc. (FNIS) (FL)

I have sent 3 letters to this organization to send me proof of the alleged infraction that is reporting in my name. The company has refused to do so and is now stating my dispute is frivolous when they haven't sent me what I have asked for. 

I have not received any dated information with the company 's logo with stating how this infraction pertains to me. 

According to the FCRA Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer.

Please send information from YOUR database. Not information that you have to acquire from XXXX XXXX XXXX for the investigation. XXXX XXXX XXXX can alter information for your benefit. 

This organization has yet to comply.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

I was a victim of fraud and it is my understanding that it is my right to place an extended alert with all XXXX credit bureaus and receive a free credit report to check for discrepancies. All of the credit bureaus have automated telephone response systems and do not allow for a consumer to obtain a free credit report due to fraud and/or place an extended alert. Furthermore, none of the bureaus offer to speak with a customer service representative.
Consumer complaint received 2017-04-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (TX)

No prior notice of default or dispute for note acceleration Prolonged prior loan modification by consistently stating that paperwork not received placing property in foreclosure. 
prolonging get contractor paid due to stating paperwork not received, paperwork done incorrectly per their instruction, losing draft, stated they never got it, but third party confirmed they sent it to him by mistake, this preventing sale of the property. 
Offered {$8900.00} move allotment which they received, but did not stand behind
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I owed Capital One {$290.00} in XX/XX/2015 & I paid it in full before the XX/XX/2015 deadline. I had sent a letter to Capital One previously that I was no longer using their credit card & CapOne responded by sending me a letter saying my card had been suspended, so cut it up. I then went on vacation & when I returned I had received an item that I had not ordered from XXXX, who said that Capital One had allowed a charge to my credit card, after denying the same charge 16 times, I now owed Capital One {$77.00}. I immediately sent {$77.00} to Capital One. Both of my checks for {$290.00} & {$77.00} cleared my bank, but Capital One refuses to credit these payments. Capital One has reported me to the credit agencies & sent 2 collection agencies after me, XXXX XXXX & XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

IQ Data International is reporting an account on behalf of XXXX in XXXX Georgia that was discharged in my bankruptcy ( File # XXXX ) that was filed on XX/XX/XXXX and discharged on XX/XX/XXXX. I never received any correspondence from this company and noticed it listed on my XXXX credit report when I pulled my file on XX/XX/XXXX.
Consumer complaint received 2018-01-25
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: EQUIFAX, INC. (FL)

I have sent 2 letters by certified mail, return receipt to Equifax disputing 4 items being reported incorrectly on my credit report. The first letter was dated XXXX XXXX, XXXX, return receipt # XXXX, requesting for the method of verification they used to determine the items being reported on my credit report were mine. Equifax received and accepted my letter through registered mail dated XXXX XXXX, XXXX. To date I have not received a response. A second letter sent dated XXXX XXXX, XXXX, return receipt # XXXX, stating notice of intent to file a complaint with the FTC and CFPB and was received and accepted by Equifax dated XXXX XXXX, XXXX. To date I have not received a response.