davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

My mortgage payment goes through a company called SLS ( Specialized Loan Servicing ) and they have been making payments to my insurance company on my behalf after repeated requests to not do that. I have also been paying for my own insurance during this time so I am being billed twice. As a result I have had the payments that SLS made for me go into my escrow and it has increased my monthly payment tremendously to the point where I can't afford my payment. 

The real problem is that I have been on the phone with their customer support representatives and supervisors for countless hours trying to resolve it and I have been getting nothing but a run around. They don't ever return my calls from requests to speak to supervisors, they don't ever receive the letters that they ask me to send to be removed from escrow that I have sent in several times. And they never document anything we speak about for hours on end. 

I am getting nowhere with this company and I have no clue what to do next. If I make this payment I will not have enough money to live, and if I don't it will be reported that my payment is late and it will ruin my credit which I need very much. Can someone please assist me in having SLS cooperate with me. 

XXXX XXXX
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (CA)

I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. 
I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my XXXX XXXX but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. 
I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. 
To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken.

Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process.

I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (CA)

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
Inaccurate Name : XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA Date Updated : XX/XX/XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-27
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. (GA)

I believe the reporting credit bureaus are in violation XXXX Experian And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Consumer complaint received 2024-04-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NC)

On XX/XX/year>, XXXX XXXX sent an ACH request to Citi to have the full amount from Citi Accelerate Savings be sent to my account at XXXX XXXX. No one at Citi contacted me and after visiting the Citi website today, the Citi website only showed a XXXX deposit from XXXX XXXX to the Citi Accelerate Savings account. After a long chat session, I was told by XXXX that Citi will only allow transfers of {$50000.00} once a month. Citi is denying my request to move the entire amount which was {$180000.00} on XXXX.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SD)

I was paying on an account that was not even mine just to get it off my credit report because when i previously reported that the account was not mine and filed complaints about it. they just went ignored since the reporting bank was using my social to report the account. i have called them numerous amounts of times and no one has any record of an account ever being opened yet they are reporting a fraudluent account which is still sitting on my credit reports ( all three bureaus ). i can not obtain my credit report from XXXX  ; not by phone or online. i was able to get through a third party and found that it is still sitting there even though i reached out to the company and requested that they remove it. they sent me a letter confirming it but nothing has been removed. I have never banked with an XXXX XXXX XXXX ; im not and have never been in the military and i have never lived in XXXX, kansas ; i did not open the account it is not mine. there are also several variations on my credit report of the spelling of my name which are incorrect. i do not want anything that is not mine applied to my credit report becuase fraudsters are getting goods and services that they should not be able to get since there are fraud alerts on my credit file with all three credit bureaus. They can't even spell my name correctly. i know how to spell my own name ; this should be a clue to the credit bureaus that the merchants or whoever is fraudulently using my information is not who they say they are. the XXXX XXXX account is also still on my credit report and that is not mine. when you call them, they have no record of the correct account that was transferred over to them from XXXX with a much lower balance and when you try to pay to get it off your credit, they send the payments back because they have no record of the account they have listed on my credit report or any of the account numbers they provide. I have previously sent copies of these letters but again, nothing has been done and it all still sits on my credit report even though it is not mine. i am not going to pay these accounts that are not mine. i've already done that on one and they are still reporting it even though it is not mine and they have confirmed verbally and in writing that it is not mine.
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On Wednesday XX/XX/2022 I attempted to deposit a check via the Bank of America mobile app and the process failed. I called in to Bank of America customer service and spoke to XXXX XXXX with B of A. XXXX requested that I try the deposit a second time and that there would be no issues and that the hold would not go beyond XXXX  XXXX the XXXX. This was not accurate and the B of A representative lied regarding the downstream implications of trying the deposit a second time. The check/funds are now on a 7 business day hold until Friday XX/XX/2022. You might at this point say who cares, right? Incorrect! I pulled this money out of my 401k with XXXX to cover rent, requested it be sent overnight via XXXX to avoid eviction. Now as a result of XXXX 's false, misleading and incorrect information how to proceed I will be evicted this week. I get it that the working class poor are not priority 1 for B of A but when you put a hold on a {$2500.00} check for 7 business days believe it or not the poor have consequences. I will find some place to live but not sure when I will see my kids again as a result!
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Consumer Portfolio Services, Inc. (KY)

This was paid off from XXXX back in XXXX or XXXX when I traded the car in for a new car. This should not be pending. 

AUTO LOAN ; NO CONDITION/STATUS ; ADJUSTMENT PENDING CONSUMER PORTFOLIO SVC Installment Account Paid as Agreed XX/XX/XXXX XX/XX/XXXX {$12000.00} {$0.00} XXXX days : XXXX XXXX days : XXXX XXXX days :
Consumer complaint received 2020-10-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sa-Vit Enterprises, Inc. (NJ)

I notice on my credit report a collection which has appeared from Savit collection, The date of service was on XX/XX/2019 yet Savit Collection is reporting this since XX/XX/2019, Based on the XXXX XXXX XXXXXX/XX/XXXX Plan This should not have been reported prior to 180 days.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA (TX)

I applied for the Apple credit card and was notified that all I needed to do was added XXXX XXXX wlet to use. Apple XXXX keeps making me apply again because I not using the correct apple ID. Contact apple to notify them that I never open through a different apple I'd but she in the process of fixing it The person that open account already called and close the account. They are able to pull up my social is so that I have had an account open but show that it was closed. Now theyre not allowing me to open up a new account because he keeps on denying me. Purchases which also made all my XXXX XXXX XXXX do you Apple and XXXX And I provide them all information and they are still unable to pull up any information even though I have receipts proving it. The person is calling in changing information and blocking my accounts so Im unable to access them and purchase anything to Apple. I have 10 college and I need to purchase equipment in order to finish my degree in an able to need assistance
Consumer complaint received 2020-10-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kashable LLC (TX)

Although the Cares Act preventing creditors from reporting past due payments, charging late fees or penalties, Creditors are claiming that has ended and has now attempting to force consumers to somehow pay the amount or else. Not only does this place society in danger, but has negative affects on credit at no fault of our own. Creditors were ask to provide extended time, forbearance, and any other remedy to assist consumers with a worldwide nation health crisis. I am asking that Kashable remove all negative reporting.
Consumer complaint received 2021-09-08
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: Experian Information Solutions Inc. (AZ)

The Bureaus-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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$960.00} XXXX The accounts listed above do not belong to me, I didn't apply or use these accounts.This was fraud that was committed in my name. I need this removed from my credit file.
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

Dear Sir/Madam : Branch Banking and Trust now Truist bank has failed to uphold their word to accurately report my accurate mortgage balance owed. On XX/XX/2021 BB & T reported to all three Credit Reporting Companies I paid my mortgage on-time. However, they fraudulently reported I owe more on my mortgage than I actually owe. BB & T reported a {$950.00} increase. Please view attached documents for further detail into this matter.
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (FL)

Hi my name is XXXX In XX/XX/2021 I got an apartment in XXXX. As this was during covid I did not know my company jokes would reduce. I was not able to pay for the apartment. So I went to the manager of the company and told them the situation and they said they wouldn't charge me. However 6 months later I got a collections for XXXX dollars.
Consumer complaint received 2022-04-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

After reviewing OCWEN account payment history, I have identified misappropriated funds totaling {$29000.00} that impacted/inflated the loan modification principle to {$200000.00}. The misappropriated funds occurred between XX/XX/XXXX thru XX/XX/XXXX. Included find OCWEN account payment history highlighting the misappropriated funds and a summary document for your review. 

In addition, documents filed by OCWEN with XXXX XXXX Register of Deeds. 
XXXX Document # XXXX XXXX Document # XXXX XXXX Document # XXXX XXXX Ocwen Loan Servicing LLC Home Affordable Modification Agreement executed. 
XXXX Document # XXXX XXXX XXXX XXXX Title Group Seller Closing Disclosure/Closing Statement XXXX OCWEN LOAN SERVICING LLC.is the present holder of a mortgage. 
XXXX XXXX the Vice President of PHH Mortgage Corporation Successor by Merger to Ocwen Loan Servicing LLC notarized. 

XXXX Document # XXXX
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc (CA)

Harley Davidson Financial Services still shows my account as a bad debt for collection with a balance of {$10000.00} although the account was included in my bankruptcy ( BK final XX/XX/2020 ). I have called into their customer service line XXXX separate times ( XX/XX/2020, XX/XX/2020, and XX/XX/2020 ) to correct the reporting. They will temporarily fix the credit reporting and then the balance/collection will reappear months later on my XXXX, XXXX, and XXXX credit reports.
Consumer complaint received 2021-05-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United We Collect, Inc. (FL)

I noticed an account on my credit report that I did not re-call owing and I did not know who the collector was so I sent them a letter asking them to verify the debt back on XX/XX/XXXX. They merely sent me an invoice with an amount with little to no information about the debt. 

On XX/XX/XXXX I advised them that what they sent me does not prove the validity of the debt just that the debt exists on their records. I advised them that reporting collection activity on an account which has not been validated is a violation. 


On XXXX/XXXX/XXXX I proceeded to notify them that without necessary proof I would be filing complaints without further response from the company.
Consumer complaint received 2018-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NV)

on XX/XX/2018 I was looking to purchase a home, upon pulling my credit report, I noticed there were some odd things on my reports, so i order copies of my credit reports. I found out I was a victim of Identity theft. I notified all credit compines, and filed a police report, and a Identity theft report. I also notice that someone ordered cable services in my name, from the same cable company I go through now, an d have been for awhile now. XXXX XXXX. They ordered serivces at a address that I do not live at. Well what happened was I do not know, I am shocked. I called XXXX XXXX I am current on my bill I told them what was going on they had no clue. I reached out to the collection agency, XXXX XXXX XXXX account number # XXXX there address is XXXX XXXX XXXX XXXX XXXX WA XXXX TEL:XXXX  I was very upset she was rude I was upset, I told her what was happening she did not care just yelled at me and said I get it you are a victim of fraud, and told me they would send me some paperwork. I never heard anything back. This collection agency states I owe them XXXX no I do not. People should be more kind. You know it XXXX when someone stills you Identity and, this collection agency had no remores she just want all my information so they can call me 40 times a day like they have been but they will not give me there fax to send the police report a email or I still have not got the paperwork in the mail to send back my proof I been a victim of Identity theft.
Consumer complaint received 2021-05-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CO)

Applied to refinance my home XX/XX/XXXX, company collected documentation and approved the loan application, but has refused to move to closing as of XX/XX/XXXX. Actively solicited my business for the refinance, but failed on their end. They strung me along by promising to resolve the issues. Rates rose while they strung me along, denying me the opportunity to go through another company to take advantage of historically low interest rates.
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP (NC)

I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE'NT RECEIVE ANY INVESTIGATION RESULTS.
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

In XX/XX/2019 a hailstorm damaged my property located in XXXX, TX. Both real property and personal property was damaged.The damaged real property is secured my a mortgage currently serviced by US Bank. The damaged personal property is not secured with any creditor.My insurance company mistakenly included US Bank as a payee on the claim check which included payment for damages to both real and personal property (they generally issue separate payments for personal property claims).The initial insurance check was received by US Bank on or about XX/XX/2019. When I submitted this check to US Bank, I formally requested, in writing, that the amount for the personal property be returned immediately as US Bank has no financial interest in the property and thus no right to retain the money.On XX/XX/2019, US Bank received a second claim check for additional damages to real property that were not covered by the initial check. As part of the submission of this check to US Bank, I requested formally, in writing, that they immediately release the amount they have held since XXXX  for the personal property. I made a third formal, written request for the personal property funds onXX/XX/2019.To date, US Bank has neither provided the funds for replacement of my personal property nor provided any reasonable steps I can take to obtain them.Both of these actions are contrary to the Texas Insurance Code.
Consumer complaint received 2018-02-27
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. (VA)

I opened a dispute on XX/XX/XXXX. My dispute is still open and processing. I have received no further information or updates regarding it 2 months later. The 30 day deadline has passed. I demand that all the information be removed immediately per the FCRA. 

XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX  XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-10-27
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (PA)

Federal Regulation D limits electronic withdrawals/transfers from your savings account to 6 transactions per month. Due to COVID-19, the Federal Reserve Board temporarily suspended Regulation D on XX/XX/2020, so that people can bank electronically verses going to the bank. TD Bank is charging their customers {$9.00} per transaction if you go over the 6 electronic limit even though the government temporarily waived Reg D. We are in the middle of a pandemic! Their conduct is deplorable!