davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing has refused to update our principal balance since XXXX post Chapter XXXX Bankruptcy. XXXX was the original mortgage company. During our Bankruptcy. Our Bankruptcy started XXXX and fully discharged early XXXX. Late XXXX Select Portfolio became our mortgage company. They reinstated the written off amount XXXX submitted Proof of Claim to the Bankruptcy Court. Ive been disputing with them since then. Technically we have not missed payments. This year in XXXX Select Portfolio Servicing stopped taking payments and are trying to foreclose on our home. Throughout all our past hardships and disputes I could not figure out how to get the mortgage company to correct our account so I kept paying them, believing once all was corrected I would get my money back. Yesterday two Realtors named XXXX and XXXX XXXX came to my home pretending to be my husbands cousin trying to gain access to my home. Apparently they had been asking our neighbors questions about my husband saying they were his cousins. I denied them access never confirming names but telling them if the are from Select Portfolio Servicing the need to take me to court and to stop Harrassing me. I reported it to the local Sheriffs. Deputy XXXX  took my statement including my request for extra patrolling of our area. Yesterday I sent another Rebuttal to the XXXX  Complaint # XXXX. Also many disputes have been submitted to the 3 Credit Bureaus, each time Select Portfolio Servicing has corrected the false information having our Credit Scores up and down. My name is XXXX XXXX and my number is XXXX.
Consumer complaint received 2017-07-13
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. (MI)

This is not my account, my ex-wife fraudulently opened the account right before our divorce. I have never purchased a vehicle from this car lot, nor will I ever. Multiple disputes have gone " verified '' - show me my VALID signature. XXXX, TU, and " XXXX XXXX XXXX '' are ruining my credit illegally.
Consumer complaint received 2021-04-22
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 — Their investigation did not fix an error on your report
Company: Dyck-O'Neal, Inc. (VA)

In XXXX I lost my job and began the divorce process. I fell behind in mortgage payments with XXXX XXXX. In XXXX I started the process of a short sale and had a buyer. Somehow the foreclosure occurred and XXXX XXXX transferred the loan to XXXX. In XXXX I was contacted by Dyck ONeal and was told I was responsible for $ XXXX because of the foreclosure. They offered to settle for $ XXXX over 60 months. I typically made payments on time, faced other financial hardships but ultimately paid it off. I have about 40 late payments on my credit report just because of this. Because of PMI I may not have been financially responsible for the $ XXXX but I paid anyway.
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

My Equifax credit report reports  Federal Tax l iens. Equifax improperly and incorrectly reports these items. In   XXXX   XXXX   XXXX     the Department of th e Treasury-Internal Revenue Service  issued Forms  XXXX  Withdrawal of Filed Notice of Federal Tax Lien as relating to the  Federal Tax Liens  Equifax is reporting. These Forms  XXXX  have been filed with the  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX  Florida  XXXX . Equifax has repeatedly refused to correct their error . On three sep arate occasions I filed disputes with Equifax providing documentation to support my dispute. Both  XXXX  and  XXXX  immediately deleted these items from their reports upon receiving a single dispute. Equifax by continuing to knowingly, improperly and incorrectly report these items has harmed and continues to harm me.
Consumer complaint received 2017-07-13
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: Ad Astra Recovery Services Inc (TX)

I was a victim of identity theft from the time I was XXXX years old. I learned about the identity theft in XXXX of 2009. I filed a police report and identity theft claim at that time. The items ( tax liens and XXXX XXXX account ) were removed from my XXXX XXXX and XXXX reports. XXXX still lists these accounts that are not mine. I have attempted to remove them via XXXX County Recorder however, they can not access these tax liens because my social security number is associated with the persons name that stole my identity many years ago. This is the same issue with the XXXX XXXX account.
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WA)

I disputed and request Experian to provide evidence/validation Alleged debt that being is being reported. I didnt get the company response until XX/XX/XXXX. Even though it dated for XX/XX/XXXX. Also attached evidence. I never got anything by mail. As consumer overstand my right request for removal. 

1 15 USC 1681B permissible purpose of consumer reports.

2. 18 USC 1028A Aggravated Identity Theft
Consumer complaint received 2017-04-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Data Systems, Inc. (VA)

Through a credit monitoring service I received notice of a collection account appearing on my credit report. On my credit report the account was reported by the collection agency  Medical Data Systems , Inc., h aving originated with  G  XXXX   XXXX   XXXX   Hospital.  XXXX  Hospital  had provided me a service in the Summer of   XXXX  .     I contacted the hospital and found that they and the collection agency both had an incorrect address on record.     My address is  XXXX   XXXX   XXXX   XXXX  in  XXXX , VA. They recorded  XXXX   XXXX   XXXX   XXXX . The first     XXXX     in my address was transposed to a  XXXX . I did not provide them with an incorrect address to my own home. Any mail sent to  XXXX   XXXX   XXXX  would have been returned to the sender.     I paid the bill immediately and received a receipt that memorializes the address error. It also has my name partially misspelled. I have included this receipt here, along with other documentation recording my correct address and name.     When I contac ted Medical Data Systems t  hey insisted that this was a valid debt and refused to remove it from my credit reports. Nothing  resulted from disputes I filed with the  XXXX ,  XXXX , and  XXXX . It now appears that the wrong address has been added to my credit reports.     I paid the bill as soon as I was made aware of it.     Prior to seeing the collection reported on my credit report, I received no notifications of the balance due.     I do n't think my credit should suffer because of a billing error.
Consumer complaint received 2017-04-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

I have been looking for a resolution from anyone that can assist me and it went on deaf ears since my first purchase of a  XXXX   XXXX   XXXX  as a co-signor with  XXXX   XXXX , and my  XXXX  purchase of a  XXXX   XXXX   XXXX  with the same problems. I complained to  XXXX  multiple times regarding the engine stalling on me. It would turn off in the middle of  the street from  the first year of purchase. When the car had  XXXX  miles on it I took it into  XXXX  due to the stalling issue. They could never find anything. This happened several times and I kept returning the car to  XXXX  and requesting the all points inspection to determine why the car was stalling. Nothing was found. I called  XXXX  and sent emails to the  General Manager t o no avail. I finally had to return the car because it was too scary for m e to drive w hen it would stall and my children were in the car. The person for whom I co-signed had the same problems with the car. He brought it into to the dealer many times complaining about the stalling issue. He was almost in an accident because the car stalled on him when he was making a left turn. My credit has suffered due to the neglect of others not listening to a woman when purchasing a brand new car. ALLY had this predatory lending issue and I 'm not sure if  XXXX  is part of that conspiracy. I received a very small portion of my lending fees fro m Ally  when the CFPB f ined Ally. I was not knowledgeable enough to know within that time span I was given a balloon loan due to the color of my skin according to the lawsuit against Ally. Now Ally  is harassing me until  XXXX  as if ruining my credit was n't enough. I 'm not sure if  XXXX  was part of the lawsuit but what I am sure of is that I purchased a  XXXX   XXXX  and they both had the same stalling issues. I called and emailed everyone I could think of and have the documents to prove it. I sent emails asking for help from the mechanics at  XXXX  and their supervisor. I was told " If the light was n't on to indicate where the problem is they wo n't know. '' In those words exactly. I was also told " If the car stops while you 're driving, at least it wo n't be your fault ''. I have  XXXX  kids and I service   XXXX    learners. There was no resolution. I took the car in to the service department over and over again for months with no resolution. When the cars were returned, my new car interest rate is high, and  my credit score  is really low. Each time I dispute and rant I receive no acknowledgment of my distress and no credit resolution. Then I found out that the  XXXX  is plagued with these problems since  XXXX ! How could  XXXX  not know this issue with the cars they sold? I am a victim of  XXXX  and  Ally 's   predatory selling and lending and demand the CFPB review  XXXX  an d Ally . I now have  XXXX  collection accounts for these bad cars when  XXXX  should not have been selling them. Dealers and lenders are not supposed to prey on consumers.
Consumer complaint received 2024-01-29
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. (PA)

My name is XXXX XXXX, and I am creating this statement. It has come to my attention that there have been several accounts under my name fraudulently my information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to 15 US Code section 1681-C-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies this information that results from alleged identity theft. Also, 15 US Code 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The listed accounts never have received written instructions from me to report anything on my behalf. 

Additional Unauthorized Hard Inquires : 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 2017-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (DC)

I reached an agreement with Schlee and Stillman to pay {$600.00} of a {$800.00} judgement. A few months after paying the {$600.00} they levied my XXXX XXXX XXXX account for {$300.00} and are still holding my account hostage. I was never served or notified of a levy. I am experiencing economic hardship because of this company actions.
Consumer complaint received 2017-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (VA)

We have a mortgage with BB & T on a property in Virginia. In planning the estate we wanted to transfer the deed to the property to our daughter while retaining life estate. In our initial phone calls to the bank, the local branch manager stated that changes to the deed would not affect their current mortgage. After speaking with our attorney, we asked BB & T what language would need to be in the transfer deed to acknowledge the existing deed of trust. After this meeting BB & T stated they would not accept a life estate deed as this would trigger the due on sale clause. BB & T stated that their policy was only deed transfers to Revocable Living Trusts or straight deed transfers were allowable under the Garn St Germain Act of 1982. After reading this act, the law states " a lender may not exercise its option pursuant to a due-on-sale clause upon ... ... a transfer to a relative resulting from the death of a borrower ( or ) .... a transfer where the spouse or children of the borrower become an owner of the property ''. It is our opinion that if this is in fact BB & T 's policy that life estate deeds trigger the due on sale clause, then this does not comply with the intent of the law.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Experian is the only credit agency reporting that a closed Veterans Affairs account is in Collection status as of XXXX and XX/XX/XXXX. 

The account was closed back in XX/XX/XXXX as fully satisfied. I provided a letter from the VA confirming this status. 

I disputed it twice with Experian and on XX/XX/XXXX and XX/XX/XXXX they left the bogus monthly status as in collection for XXXX and XX/XX/XXXX. 

Also, the late status and collection for XXXX and XXXX is wrong. I was disputing the amount owed with Experian. I paid them the full amount that ultimately was owed. 

I did an appeal with the VA in XXXX which reversed the debt they incorrectly sent to collections and in fact received back some of my money.
Consumer complaint received 2021-09-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

In XXXX of 2020, I purchased a new vehicle with my husband. At the time, I had one payment left on a XXXX XXXX XXXX. As part of the negotiation, the dealership said they would make the final payment on my XXXX. They did not. Instead, a 30 day late notice was put on my credit report, which really hurt my score. I attempted to file a correction with the credit reporting agencies but it was denied. 
I was told by the dealership they would make the final payment. They did not make the final payment. I tried to get things resolved through the dealership but they would never return my calls. They never attempted to call the agencies themselves and have it fixed.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

My Experian credit freeze account was compromised. Experian made it almost impossible to talk to a person about the issue. They have no two factor authentication, they have no process for assisting consumers that are victims of having their accounts hacked other than for that consumer to provide to them even more identifying information than they already have on file. 

The Experian security issues surrounding their poorly designed Experian account functionality are well documented in the press, and not only have they not fixed this issue adequately they have made it virtually impossible for consumers impacted to get any help.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX OPENED XX/XX/XXXX CHARGE OFF XX/XX/XXXX REPORTING PAST DUE AMOUNT
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX OPENED XX/XX/XXXX CHARGE OFF XX/XX/XXXX REPORTING PAST DUE AMOUNT
Consumer complaint received 2017-04-21
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo , whom we do not and never have held a mortgage with, erroneously paid our   XXXX     XXXX   XXXX   property taxes and is seeking reimbursement. I confirme d Wel  ls Fargo m ade the payments with the   XXXX   XXXX   XXXX   XXXX   XXXX  . On   XXXX    , a  Wells Fargo  Claims Processing Representative explained our tax ID # is similar to  one of Wells Fargo 's customers ( differs by a digit ), thus, Wells Fargo paid our property taxes in error. Based on internet research, Wells Fargo has made many errors in regards to property tax payments.
Consumer complaint received 2019-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: St.John Cobb Inc (NC)

XXXX XXXX Ss # XXXX ST JOHN COBB INC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Federal Statutes. In addition to the questionnaire below,  please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IL)

Hi, My name is XXXX XXXX and SYNCB/PPC has been giving me some issues that I have been dealing with for months to no avail. I am reaching out to the CFPB with help on this matter in terms of this late payment which is severely hurting my credit as I have been a customer with them for some time now and am confused as to why they want to continue furnishing bad information on my credit and keep hurting me. Please see the attached documentation below.
Consumer complaint received 2016-08-27
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (AR)

I am a veteran of the US Military and I have a XXXX since XX/XX/XXXX. My state recognizes that fact and allows me tax exemption on my mortgage. I recently refinanced with Freedom Mortgage in XXXX XXXX and did let the loan officer know that I was tax exempt but she did not include it in my paperwork, but as soon as I got the letter and the required stamp from the tax assessors office which was XX/XX/XXXX and my first was not due until XXXX XXXX, I call Freedom Mortgage and they advised me to fax them a copy of the letter I complied. Two weeks went by and I did not hear from them so I called back XXXX XXXX XXXX. I was told they did not receive my fax so I re-faxed the letter, at that time I called to verify that it was received, it was verified. From that point on I would call them every two weeks to get an update. I paid them the full payment to include late charges for XX/XX/XXXX. For XX/XX/XXXX I informed them that I needed this issue to be resolved because I am on a fixed income and could not continue making higher payments. XX/XX/XXXX I tried to make the payment anyway because I did not want a hit on my credit. I was told they would not take anything less than XXXX+ late charges. Unfortunately I could not afford the total amount and took the hit on my credit rating. I received a letter today showing that they made the adjustment for XX/XX/XXXX. but refuse to adjust for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am now facing a bill for XXXX due XXXX XXXX XXXX, which I definitely can not pay. I am prepared to pay the adjusted amount for XX/XX/XXXX and XX/XX/XXXX, it seems only fair that the payment be adjusted since they received proof of the exemption, verified XXXX XXXX XXXX.
Consumer complaint received 2017-07-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (NY)

I refinanced my home XX/XX/XXXX and paid off my mortgage with Ocwen. The financing company paid an additional fee so that Ocwen would record the discharge of Ocwen 's mortgage against my deed. I discovered on XX/XX/XXXX, while trying to obtain a home equity note for my home, that this discharge was never filed. All Ocwen would tell me is that it still shows pending and that they would have to research it. I submitted a research request on XX/XX/XXXX but have heard nothing from their company.
Consumer complaint received 2022-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

PLEASE CHECK SUPPORTING DOCUMENTS FOR FURTHER DETAIL ON SITUATION. I AM SUBMITTING MY COMPLAINT WITHOUT INFLUENCE FROM ANY THIRD PARTY.
Consumer complaint received 2022-03-11
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. (PA)

PLEASE CHECK SUPPORTING DOCUMENTS FOR FURTHER DETAIL ON SITUATION. I AM SUBMITTING MY COMPLAINT WITHOUT INFLUENCE FROM ANY THIRD PARTY.