davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX SSN : XXXX | DOB : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thanks, XXXX XXXX
Consumer complaint received 2017-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC (TN)

I received a notice from XXXX on XX/XX/2017 stating that my loan was being transferred to a new servicer as of XX/XX/2017 and that they would no longer accept any payments after XX/XX/2017. XXXX did provide the new loan servicer name and contact telephone number and ask that I contact Specialized Loan Servicing LLC for c further assistance, I contacted Specialized Loan Servicing LLC I was told that my information had not uploaded into their system and was asked to call back the following Friday and that I would receive a welcome letter within XXXX days after the XX/XX/2017.I called again on XX/XX/2017 was told information has not yet fully uploaded into their system I was told not to worry because no late charges or negative reporting would be reported to the credit bureau during this phase my house payment is due on the first of every month I told this to the representative that I spoke with. I was in the midst of refinancing with another lender prior to my mortgage being transferred and had received a payoff from XXXX XXXX, now the company that I am refinancing are asking for a new payoff from Specialized Loan Servicing LLC who are telling me that they can not pass that information to the mortgage company that I am refinancing with because they do not have the information in their system yet, which is keeping from closing on my loan.
Consumer complaint received 2015-07-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (NC)

I have had cash on demand account with Wells for the past 7 years. While I may have been late on a payment or XXXX about 5 years ago, I have diligently paid the balance and interest every time I have used the card. Two months ago I received a letter stating that my annual fee would be assessed in the month of XXXX, and since that time I have logged onto my account weekly to look for the assessment and pay my bill. Instead, I received a very curt letter in the mail stating that I had not used the account in XXXX or more months and effective immediately my account is closed. 
I called Wells customer service to discuss having my account re-opened and offered to make a debit to keep it open. I was told they would not reopen my account but I could apply for a new account. 
Had I been notified that they were going to close my account if I did not use the card within X days, I would have happily used the card to keep the account open. 
Wells practice is detrimental to my credit score as I have been a paying customer for years, on both this card and my mortgage. By closing this account they have reduced my available credit balance by {$9500.00}. Moreover, asking me to apply for new credit instead of reopening my account will negatively impact my credit score as it will ping my SSN and show up as a new inquiry and new account, which are factors used in all XXXX of the credit bureaus ' models. 
I request that my account be reopened and that the Wells review the fairness and atrocious customer service element of this practice and the harm consumers that are not delinquent.
Consumer complaint received 2017-05-23
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: EQUIFAX, INC. (MD)

After obtaining a copy of my credit report I noticed multiple unauthorized inquiries from the same company all around the same date. There are 3  XXXX   XXXX  Inquires for 3 days in a row that I did not authorize. Th e 2 I  am disputing is  XXXX / XXXX /  XXXX   and  XXXX / XXXX /  XXXX  . I 'm not sure why this creditor ran my credit multiple times. The next  is 2  inquiries for  XXXX   XXXX . The other  2 is  for  XXXX  and  XXXX  I am not sure who or what these companies are.     On Equifax there are  2 inqui ries per creditor. I did not authorize  XXXX   XXXX  to run my credit on  XXXX / XXXX /  XXXX   or  XXXX  on  XXXX   XXXX . I am not sure how these creditors got my information. I called the credit bureaus and was told to contact the creditors directly, I did so and I was informed to contact the bureaus. I sent the creditors certified letters an d not one  of them has responded but  XXXX   XXXX  for  the one  inquiry  XXXX / XXXX /  XXXX  .     The credit bureau proclaims to have verified I authorized these accounts, I asked them to provide me with the information they used to validate these accounts but my request have went ignored.
Consumer complaint received 2015-07-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

We are processing a short sale and the value came back extremely high. We have requested copies of any BPO 's or Appraisals that were done but XXXX states the following : No, XXXX does not provide copies of any BPOs or other property valuations it may order in connection with a short sale. Any such valuations are proprietary documents/information that are used to help XXXX assess the price it is willing to accept for a short sale ; this information is not obtained or used in connection with an application for credit. 

We thought under the valuation rule that XXXX had to provide this information.
Consumer complaint received 2019-05-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CO)

On Tuesday, XX/XX/2019, I was searching on XXXX for tickets to the XXXX XXXX XXXX at XXXX XXXX for game 3 in XXXX Playoffs. I found an ad that had pictures and information on the  seats, and for how much. The price was {$190.00} for 2 tickets. I had contacted the person to set up a meeting and to buy the tickets. Through text message, XXXX XXXX requested money to be sent through XXXX and would then have the tickets transferred over through XXXX. I transferred the money, and heard nothing back from the person. I never received the tickets and was scammed out of {$190.00}.
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (KS)

An account was paid off in 2011. Collection agency that had the account ( XXXX ) has now sent all XXXX credit bureau 's XXXX letters stating that the account is paid in full but none of none of the credit bureau 's will mark it as paid. I have now opened XXXX investigations with no change from credit bureau. I need this resolved so it can quit negatively affecting my credit.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (VA)

I have written LEXIS NEXIS many times to request a simple security freeze on my account so that no third parties would be able to access my file. 

This is a basic right afforded to me under multiple federal laws. 

Yet each time I write to request a freeze, LEXIS NEXIS fails to place the requested security freeze on my account. 

Nothing has changed about my personal information. I have resided at the same address, where I own the house for 19 years. My address is the same. Phone number. Name. Email Address. Social security number. None of my personally identifying information has changed in the last 20 years. 

Yet LEXIS NEXIS has failed to place the security freeze on my credit report. 

Further, they have failed to answer my multiple letters demanding they supply me with specific reasons they have failed to address my concerns. My last letter to them ws dated XX/XX/2024. 

They are committing fraud and harming me by their deliberate failure to protect and enforce my rights.
Consumer complaint received 2021-06-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: RAB PERFORMANCE RECOVERIES, LLC (NY)

On XX/XX/21 RAB performance had XXXX XXXX XXXX place a hold on my bank account for a credit card i never had. And the so called debt is over 10 years old. Also when i contacted both agencies they gave me the run around. I need XXXX badly
Consumer complaint received 2016-10-04
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (FL)

SHELLPOINT Mortgage Servicing is a complete fraud and is trying to get our home through foreclosure. 
We have been trying to settle through the courts with Shellpoint mortgage and have spent XXXX of dollars in attorney costs and have gotten nowhere. 
THEY were sold our loan that was part of the illegal ROBO- SIGNING banks and now we are about to lose our house. 
We finally filled out a an application for the HAMP program - they approved us under HAMP 3 program were they promised to remove all penalties and past due amounts Our new Principle balance was to be $ XXXX When they approved us for the HAMP 3 program they just tacked on the all the penalties and interest and other fees on the back of the loan. 
When I asked them what happened to the Principle forgiveness on our loan they said that that is a HAMP 3 program and that they do not participate in that program They set us up on their HAMP 2 program, We were lied to. 
our loan amount to them is now $ XXXX our house is worth $ XXXX HELP! 
I have seen hundreds of similar complaints and lawsuits online against the predatory practices of SHELLPOINT MTG. and we are very worried that we are going to lose our house Is there a class action Govt lawsuit that we can join against them? 

Please advise ASAP Thank You for your time XXXX Fl XXXX XXXX
Consumer complaint received 2016-06-02
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Credit & Collection Corporation (NJ)

Global Credit & Collection Corp has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt.
Consumer complaint received 2021-02-24
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. (GA)

In XXXX, and XX/XX/XXXX someone opened two fraudulent Credit Card accounts in my name with XXXX XXXX XXXX. In XX/XX/XXXX someone opened two fraudulent accounts with XXXX card and XXXX. I've tried disputing this matter with XXXX, XXXX and Equifax. They haven't blocked the fraudulent accounts in accordance with the FCRA Section 605B. 
1. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX 2. The following account is not mine XXXX XXXX XXXX Account Number : XXXX 3. The following account is not mine XXXX Card Account Number : XXXX 4. The following account is not mine XXXX Card Account Number : XXXX 5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX 6. The following account is not mine XXXX /XXXX /XXXX  Account Number : XXXX
Consumer complaint received 2016-03-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (TX)

Chase bank re ordered the processing of debit card and checking account transactions not by original date, but by the date they found would generate them the most revenue from overdraft and NSF fees. 

Rather than processing smaller transactions first, and in the order they occurred, they processed a larger transaction first and smaller ones several days after their original transaction date to charge more than XXXX NSF fees to my checking account. As I am aware, this violates several recent laws that have been implemented over the past several years to limit banks ' abuse of overdraft protection and charging of NSF fees.
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (VA)

JP Morgan Chase has not shown proof of paying my taxes to XXXX County. I have a contact at the county who has contacted Chase but the issue is over two months and has not been resolved despite assurances from Chase that they would look into the matter.
Consumer complaint received 2015-10-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I have a XXXX XXXX on my and my husband credit I have called them I get transferred over and over spent hours on the phone just for them to tell me they will send me a bill to show me what it is for but it never comes. So it is on our credit as part of my bankruptcy when this was paid in full we were with this company for years. When I first went to verizon years ago they told me my husband and son had the same name so my sons up grade got added to our account by mistake. The point is it is affecting my credit and I want it taken off.This is showing on all three bureaus on mine and my husband. I have no documents due to the fact it is so old.
Consumer complaint received 2017-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

The aforementioned credit collection agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If  COMNWLTH FIN does no t have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Consumer complaint received 2024-03-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC (NM)

Received debit collection statement from Transworld Systems Inc. ( TSI ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX claims I owe them {$60.00} ; however, this debit has been paid. Furthermore, XXXX XXXX billed my insurance incorrectly.
Consumer complaint received 2024-03-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (MN)

I received a debt collection notice dated XX/XX/24 regarding apartments in texas for debt owed. I have never lived in Texas. I am a victim of Identity theft. THis debt is not mine. The company trying to collect is Procollect Incorporated. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX The account number is : XXXX.
Consumer complaint received 2019-02-26
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. (TX)

I started my dispute process with Experian on XX/XX/2018. I sent the company a 609 letter asking them to verify the UNVERIFIED accounts listed on my credit report that are illegally impacting my score, I did this a total of 4 times! ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) ALL letters were sent certified mail, notarized, & I also provided a copy of my SSN & ID. The exact same response was sent to me EACH time verified account with NO evidence of binding me to these negative accounts on my report! no kind of documentation with my signature on it at all. It is now XX/XX/XXXX and the accounts still have not been verified. I need these accounts verified or DELETED. by law that is my right! to avoid legal action I would like to get these accounts verified or deleted!!
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IL)

In accordance to The Fair Credit Reporting Act this creditor has violated my rights under USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (SC)

This is for Paypal Special Financing which include no interest for certain period of time. Currently I have XXXX special financing items XXXX expire in XXXX & one expires in XX/XX/XXXX. From my online account I was wondering why my payments were not being applied to the special financing- I called Paypal Friday XX/XX/XXXX & spoke to both customer service & then I was told I then have to speak to computer center to have system updated & then they told me I have to talk again with customer service. I was never notified of the change in how payment allocation changed and there is no information on the paypal website to state their new policy. The new policy is after every payment a customer has to call in to make sure the payment is allocated correctly. This is absolutely ridiculous and that they can only go back up to 60 days of payments to have them applied to the special financing when all my payments from XXXX should have been going to the special financing. This is really a XXXX failure very unfair & deceptive practice. Today Monday morning XX/XX/XXXX I spoke with XXXX customer representatives XXXX XXXX & XXXX XXXX and then a supervisor XXXX XXXX via XXXX Chat from Paypal online account from approx XXXX - XXXX EST. Partial resolution only XXXX payments now allocated to the special financing. When all payments should have been allocated to the special financing.
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (AZ)

XXXX which is my current mortgage servicing company reported late payments and I need them to remove the late payment history ASAP. I have attached letter from XXXX which clearly states late payment history was an error on there part and they have asked credit bureaus ( XXXX, Experian XXXX, and XXXX to remove derogatory/negative information.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation (FL)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : WORLD FINANCE Account number : XXXX
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I mailed my FTC identity theft report to Transunion via Certified mail they received my document on XX/XX/XXXX. In Pursuant to 15 USC 1681 c-2 ( a ) transition has 4 DAYS from the data of this notice to comply with my demands as set forth in the context listed in my FTC report XXXX I have called the specialist fraud department about my FTC report and they stated It takes 30 days for an investigation. They sent my completed investigation on XX/XX/XXXX which isn't a full 30 day for an investigation. Please be clear that no consent or authorization is IDENTITY THEFT! Transunions willful noncompliance has resulted in identity theft which I demand to Cease & Desist! Pursuant to 15 USC 1681 a ( 2 ) Congress makes it clear that a consumer report does not contain any transactions and or experiences to be updated in accordance with my written instructions. I have called and contacted the dispute and the fraud department. This will be my final time reaching out to have these items removed off of my credit report. I am ready to litigate if my rights continue to be denied by Transunion. I have the attached documents and my FTC report that they failed to correct on my consumer report. As a consumer I have the right to a 100 % accurate consumer report under the FCRA.