davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-02
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AR)

I have had my mortgage with Bayview Loan Servicing , LLC, for approximately six years with good credit history, however this company was not of my own chosen, this company brought my mortgage from XXXX mortgage and with them my payment went up very high, and also doing this time i developed and continue to have health issues with XXXX for one, high bills, and paying back taxes that put me in a hardship with my finances. The first four of the six years Bayview Loan Servicing , LLC, didn't report my credit history to any of the credit bureaus with very good credit., and lately after several years they have been reporting my credit history., also during these same times I have applied for a modification loan five or more time, and have been denied five or more time, however the last modification application was fill out with the assistance from a state counselor to make sure the application was in proper order, and i still was denied the modification loan.from Bayview Loan Servicing , LLC. I am asking please, that Bayview Loan Servicing , LLC please have this inquiry, and credit history removed from my credit file because it is making it very difficult for me to acquire credit.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This company continues to report inaccurate information on my credit file about this collection account which the collection agency tried to sue me about but the charged were dismissed but the creditor still reports inaccurate information about this report and still says they verified this account which I know they have not done so because I asked them also to show proof of verification and validation about this account. I have proof that this account went to the court and docket shows dismissed.
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

I have a debt collection company XXXX Phone number ( XXXX ) XXXX or XXXX calling me about a debit that is not mine. It is for a company HSBC which has never been on my credit ever. They are just trying to get me to pay for it through their website with out any proof that its mine. When you chat with their virtual person they try and fight with you sayin its your and you need to pay. This is scam to try to get me to pay a debit that is not mine and then run with the money.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (MA)

This is an Unemployment Benefit FRAUD claim XXXX XXXX/2020 I received a US Bank XXXX card from the Colorado Department of Labor . I am not a resident of Colorado. I am also employed and did NOT apply for this card. I have been trying to get intouch with the bank USBANK and there is no option for fraud to cancel the card. Voicemail options are limited and I didn't want to accidentally authorize the card. Frustrating, honeslty, that you can't speak to a person and then VM hangs up on you. 

I don't know how filing this complaint is going to help me turn this card off. 

The CFPB has given me phone numbers to call to investigate identity theft. I am doing all of that next.
Consumer complaint received 2021-05-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

My second mortgage, originally a home equity line of credit with a " balloon '' payment at the end matured in XXXX of this year. The amount is XXXX. I am unable to come up with that amount. I have tried no less that 5 times to successfully submit the application to modify this loan with SPS, aka Select Portfolio Servicing. Each time, some mistake or flaw is found which completely " voids '' the entire submission-it is not amenable to correction or amendment. Please note : this is essentially the same paperwork, with the stipulated corrections, that is filed, only for some clerk to " discover missing '' or " erroneous '' information. on XXXX application, I checked the " wrong '' tiny box. This process is time-consuming and extremely frustrating and so out of desperation, I made them a cash offer of XXXX. At this juncture, they " need '' information about my " social security benefits ''. I have repeatedly told them I DO NOT receive any form of social security, to no avail. Meanwhile, I continue to receive harassing letters threatening me with imminent foreclosure if I do not " act quickly ''. Their " customer service '' dept. is of no help whatsoever ; the " mortgage concierges '' are hostile, abrupt and condescending. In addition, they reported two of my payments to them as " late '' to credit bureaus. My payments have always been early or on time and I see from other customers that this is their standard practice to harass and wear people down in order to force them into foreclosure. My goal is to avoid foreclosure, get rid of this now XXXX year old loan in a fair fashion and move on. Thank you
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (FL)

I have a collection item from my previous apartment that was reported in XX/XX/XXXX. When the collection agency contacted me in XXXX of XXXX, I told them I would pay on XX/XX/XXXX. I sent a check at that time and the funds were removed from my account. 

I noticed that in XXXX of XXXX my credit report still reflected an owed balance. When I called the collection agency they told me that I needed to contact the office that I owed money and then fax them information. 

During the call, however, the representative was extremely rude, talking over me, and using legal jargon such as " on a recorded line, you are saying you are refusing to send proof of payment ''. And that if I refuse, she will be forced to terminate the call. She did not allow me to speak. 

I contacted the office I owe money to, and they called the credit agency and notated the account that we did pay in full. And that they would be mailing the check. This is on XX/XX/XXXX, nearly two months after I paid. 

My complaint is about the collection agency 's unwillingness and berating behavior and refusal to actually collect a debt that I have paid to the original debtor. And the inhuman way of berating me on a phone call by talking over me and not listening to what the situation is. 

The original debtor also never made any action on our check. They did not proactively call the collection agency or deposit the check. They placed it in a safe with a note " do not deposit '' for nearly two months.
Consumer complaint received 2020-07-23
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. (NY)

My concerns stem from accounts that have inconsistencies with reporting across the other 2 bureaus and with my records. I requested that XXXX XXXX performs mandatory thorough investigation under FCRAct laws. This account is reporting inaccurately and is reporting illegally. 
1. I requested the account to be investigated to see that this account is no longer reporting in XXXX. Therefore it should be removed from my credit report. 
2. Inconsistency continues to report when it comes to Dates, Payment History, number of late payments, and Months claiming that I have missed my payment. 3. The balance reported is incorrect and inconsistent. The account has not been active since. 

If this account is not reporting 100 % accurate, I request deletion immediately.
Consumer complaint received 2020-08-25
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: Experian Information Solutions Inc. (CA)

There's a someone else 's XXXX  XXXX XXXX credit card account on my experian credit report. That account is shown with status charge-off, which drag my credit score down. I was trying to fix this with experian and XXXX  XXXX XXXX. I submitted dispute to experian twice to have that account removed, both rejected with reason : " The company that reported the information has certified to Experian that the information is accurate. '' Called them multiple times, they always ask me to dispute this with XXXX  XXXX XXXX. I called and disputed this to XXXX XXXX XXXX too and got a reply of " we have reported correctly to experian please dispute with experian ''. I discovered this error on my report one year ago, these two companies pass the buck to each other and the issue still not resolved.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and am including it again. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX I reached out to XXXX XXXX in regards to dispute this alleged debt. The rep I spoke with said the company mailed verification last FEBRURY XXXX to an address I know longer live at and have not lived there for over 12 years. This third party debt collector said they received my information from XXXX XXXX without my permission knowledge or consent. XXXX XXXX is in direct violation of the FDCPA. An agent said this is the first contact they have with me about this alleged debt. According to the FDCPA XXXX has 5 Days to send validation of this debt. The agent for XXXX did not ask for an updated address the agent also hung up on me and told me to call back in a few days to dispute it. This company is reporting on an ALLEGED DEBT THAT NEVER BEEN VERIFIED. I ask that you take this off my credit report. I called XXXX to give them permission to respond to CFPB complaint. The only thing XXXX was interested in while on the phone was collecting not verifying any information. The credit reporting agencies are now in direct violation of the FCRA. This is a private matter between myself and XXXX XXXX. In compliance with the FCRA you must verify all accounts to be true. Excuse me but this third party debt collector do note have my correct address or phone number to contact me to verify/validate this debt. I only was made aware from checking my credit report. According to the FCRA I must be notified in writing to opt out of negative reporting and I did not receive any notice to opt out. This account is causing me a great deal of stress.
Consumer complaint received 2020-12-10
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 — Problem with personal statement of dispute
Company: AFNI INC. (NV)

AFNI XX/XX/2020 {$2000.00} My credit repair company has disputed this account but this is not me nor my debt. My credit repair Company is the credit people.
Consumer complaint received 2024-02-26
Product: Credit reporting 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'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - {$0.00} - PLEASE DELETE! 
XXXX XXXX - {$0.00} - PLEASE DELETE! 
XXXX XXXX - {$0.00} - PLEASE DELETE! 
XXXX XXXX - {$0.00} - PLEASE DELETE! 
XXXX XXXX - {$4600.00} - PLEASE DELETE! 
XXXX XXXX XXXX XXXX - {$500.00} - PLEASE DELETE! 


UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX & XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-11
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

This is another complaint for Experian and XXXX  about the complaint submitted on XX/XX/2020 ( XXXX and XXXX ). Experian and XXXX again say that the company reported the information is accurate, that belongs to me and also report this account as an Individual Account when is completely inaccurate. XXXX  said If I have additional questions about this item please contact XXXX XXXX XXXX  which I did so. XXXX XXXX didn't find this account under my name or social security number. After almost an hour, they found out I was an authorized user under this account. Its frustrating that Experian and XXXX  can't do a correct investigation. 

The XXXX XXXX documentation is attached that prove this fact.
Consumer complaint received 2018-07-02
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Penn Credit Corporation (CA)

I received a letter from PennCredit Corperation, Penn Credit XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX PA XXXX, stating that I owe {$2300.00} for 2015 Taxes in the State of MD. I have called to discuss and was yelled at by the companies representative while also being told I should not contact the IRS because they won't have the information about the debt due. I have never lived in MD not have I even visited. I assumed it was identity fraud, however the only fraud I see from research into my own social security number is that of this company associating an arbitrary debt owed by myself. As this company has a physical address and employees responding to XXXX reviews, I would appreciate it if your team can investigate the company 's legitimacy. As the company is impersonating a federal contractor, I would imagine that they have been issueing statements similar to mine nationwide and it's quite discussing. This amount of money could ruin somebody's life and cause an extraordinary amount of stress on a family struggling to survive financially. It may be overboard to say, but fraud such as this should be considered an act of public terrorism. 

Thank you, Looking forward to hearing back.
Consumer complaint received 2022-04-28
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: Bread Financial Holdings, Inc. (NY)

Is in accordance with the fair Credit reporting act XXXX  account number XXXX has violated my rights. 

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

15 USC 1681 section 604 a section 2 it is also a state 's consumer reporting agency can not furnish a Account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit Card account under on open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Linebarger Goggan Blair & Sampson LLP (IL)

I have to file a new complaint to show this evidence. This company sent me a letter stating that they will lien my property for {$280.00}. Yes {$280.00} when A ) i worked so i know my taxes will pay it. 2 ) we can't even seek XXXX  debt consolidation to consolidate the tax owed because it has to be over {$5000.00} and {$280.00} is so low. Yet you are being harassed and threatened with liens for {$280.00}. This company is a fraud. I will sue. People will pay with taxes this low payment. Look at the attachment yo.
Consumer complaint received 2020-11-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I called Huntington bank on XX/XX/2020 asking to close my checking account. I was notified I had a balance due because of monthly fees and then I had to close the account in person. I paid the fees on XX/XX/2020 but was not allowed to close my account over the phone. I am considered a high risk when it comes to COVID-19 and am not able to close my account in person.
Consumer complaint received 2021-05-31
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.