davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MI)

Hello, My name is XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX MI XXXX In XXXX I purchase a home and financed through XXXX XXXX XXXX  XXXX, who been sold to XXXX Mortgage in XXXX. 

I made a payments to XXXX XXXX till my loan was sold to XXXX XXXX, I never received any notification about my loan is going be sold to another company or assigment of mortgage never been recorded in County. XXXX XXXX filed a BK and transfer my loan to Speacilize Loan Servicing, who I am making payment righ now. 
I always make my payment, even when I faced a hardship and apply for modification payments was made on time I purchase a home with mortgage balance {$250000.00} per they caculation for ten years I only paid {$20.00} XXXX with monthly payment {$1300.00}. How this possible? Becuase when last company who obtain my mortgage in XXXX ( SLS ) start with ballance {$230000.00} Per mortgage amortization balance after 10 years should be {$200000.00} I been scam for {$30.00} XXXX. I am not sure, who to contact due to XXXX doenst exist anymore and XXXX filed BK. As consumer, who worked hard for the money, I should have right to find out what is going on. I am not even talking about interest I paid on money, which not even I can collect and I am sure so many people is facing this problem Please help
Consumer complaint received 2021-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I have been trying to work with the servicing company that I make payment to for my mortgage for a short pay. My home is in an underwater loan situation and I want to offer the company the amount of money the home is worth. The servicing company is Select Portfolio Servicing Inc. I been applying for re-modification assistance with this company since XXXX of XXXX, first they tried to make me lose my home through a short sale ( fraud ) when they knew I wanted to retain the home. They sent someone to appraise my home and I offered them the amount of the appraisal. Each time I apply for assistance they send a letter stating the " mortgage owner '' has denied my request. No other explanations. When I request in writing and over the phone to know who the mortgage owner is on my home they send me documents of the original note which has a lender on it that is no longer in Business. 
So someone owns my loan and is the lien holder but SPS will not give me the name or contact information to this company. 
AS the landowner and payor of the mortgage I have a right to know who the lien holder is. 
I have asked for this information several times in the past XXXX  months and even put a request for the information in to SPS again today. 
They are hampering my ability to communicate directly with the lien holder which is needed in order to prevent losing my home.
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (MN)

I have previously disputed with XXXX, XXXX  and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2021-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (TX)

On XX/XX/2021 at or around XXXX XXXX XXXX, I attempted to make a purchase in the amount of {$170.00} using my debit card. The charge was declined. I had more than ten XXXX XXXX XXXX times that amount in the account prior to making the purchase attempt. The bank XXXX XXXX XXXX aka Chime ] is never available via phone to speak to a live representative. Instead only chat is available. I raised my question to the virtual chat session and the person on the other end simply closed the chat session without explanation or solution. This is not the first time this has happened ; a near identical situation occurred about XXXX weeks ago. I gave up after numerous attempts at reaching someone. Furthermore, this incident occurring today, XX/XX/2021 is extremely troubling as I am currently in a XXXX XXXX, now, without access to my assets and no explanation whatsoever. Again, I do not have access to any other funds and the XXXX XXXX in this country is rather hostile, unaccommodating, and an outright obstacle.
Consumer complaint received 2021-05-02
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. (OH)

Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the XXXX law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that XXXX does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and XXXX authorization. XXXXPlease provide a breakdown of fees including any collection costs and medical charges XXXXProvide a copy of my signature with the provider of service to release my medical information to you.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

In XX/XX/2020 Comenity closed a zales account of mine based on a fictional claim that my credit use was deemed high risk. I use 3 % of avaliable credit. They did not notify me, I found out only because I applied for a credit card they issue for XX/XX/XXXX. My application was denied due to " a negative note on my account ''. I have had a flawless payment history for 6 years and maintain a low 3 %. They refuse to give a valid reason.
Consumer complaint received 2020-12-02
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)

I have sent multiple requests for investigations into the two following accounts currently reporting on my credit report. I sent letters on XX/XX/2020, XXXX and XX/XX/2020. All with no response or no resolution to my request. These items are affecting my ability to obtain new credit and affecting my credit status negatively. 

XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 


XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.
Consumer complaint received 2020-08-28
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: AMERICAN EXPRESS COMPANY (GA)

I have a loan with AMEX, XXXX XXXX XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMEX, XXXX XXXX XXXX  XXXX, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-11-05
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. (NC)

CONTINUATION OF XXXX  AND AG COMPLAINT! 


XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I have been in contact with the credit furnishers listed and have proven that the accounts do not belong to me. They have since closed the accounts in their systems, however, the accounts still remain in your records as active and valid. Because of your mismanagement of account information and unprofessional data being furnished, this has continued to wreak havoc on my financial life and has presented numerous challenged for me and my family. I urge you to remove these invalid entries, at once without prejudice. 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX  XXXX XXXX  ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3500.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$270.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 2020
Consumer complaint received 2021-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

back in XXXX of XXXX I disputed two bankruptcy # XXXX and XXXX that was showing on my credit with all three credit bureaus. they claimed that they investigate the Items and they was verified by XXXX as accurate. 
In XXXX of XXXX I dispute the items with XXXX and they investigate the items and remove them form my credit report. 
on XX/XX/XXXX I disputed the said items and received a dispute report dated XX/XX/XXXX from Transunion report # XXXX stating that the disputed item was verified. I call Transunion and ask to know the method of verification and they stated that I'm not entitled to that information. I ask to speak to an supervisor who basically told me the same thing. after about forty five minutes on the phone call, the supervisor said that they will verified the items with the furnisher. I then asked who is the furnisher, and she said the court. back in XXXX of XXXX I received a letter from the court stating that the court do not furnished any information to any third party reporting bureaus. 
the representative told me that they will investigate the items again if I would like to dispute the item again. I told her that I would like to dispute the items on the XXXX of XX/XX/XXXX, Today, I received a letter dispute result in the mail form Transunion dated XX/XX/XXXX report # XXXX. They did not investigate my dispute they just resend me the same report the very day I dispute the items. 
Transunion violating my rights 603. Definitions ; rules of construction [ 15 U.S.C. 1681b ] Exclusions. ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; It also defines what a credit card is " ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' My Nine digit Social Security card number that was used to extend credit in the above mentioned account is prohibited by law to publish on any credit reporting agency.
Consumer complaint received 2019-08-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

I purchased a new on car on XXXX XXXX, XXXX the finance manager applied an extended warranty on my vehicle with out my permission. I told the financial Manager on XXXX XXXX, XXXX. I didn't want the extended warranty applied to my loan extra charges were applied .I didn't notice it during the transactions, I took my paper work to my father and sibling and they looked at my contract and my father noticed their were extra charges was applied to my loan, I went back to the dealership. and I informed him that I didn't want and extended warranty on my contract, I asked the finance manager for my receipt and he said he didn't have to give it to me. I ask him to remove it after one week, He said verbally he would take it off and a week later, I went back to the dealership and he finally gave me my receipt after my third visit weeks have gone by the extended warranty is still on my contract, I notified the bank until this very day it's still haven't been removed. My receipt was given to me on XXXX   XXXX, XXXX it said in XXXX XXXX XXXX  the extended warranty was going to be removed in that time frame it's going on XXXX the XXXX XXXX. I called the manager and he said he notified the Finance Manager while he was at home that was on XXXX XXXX,XXXX. He said it would take six weeks from the twenty one day mark. I haven't bought a new car in over twenty years and I felt like the Finance Manager and the store manager took the advantage of me as a female. I went to another bank to refinance my loan.I can't get my car refinanced until the extended warranty is  removed from my account.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX Todays Date : XX/XX/XXXX RE : Investigation Request to Delete Incorrectly reported late payments and correct account balances immediately To whom it may concern, In accordance with the Fair Credit Reporting Act Section XXXX ( XXXXXXXX XXXX XXXX ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX. XXXX XXXX { ac # } XXXX { Reason for Dispute } : Incorrectly reporting late payment for ( XX/XX/XXXX ) as well as the balance for this card is {$0.00}. -please remove late payments and correct balance immediately XXXX XXXX XXXX XXXX XXXX { ac # } XXXX { Reason for Dispute } : Incorrectly reporting late payment for ( XX/XX/XXXX ) as well as the balance for this card is {$180.00}. -please remove late payments and correct balance immediately XXXX. XXXX XXXX XXXX { XXXX # } ending in XXXX { Reason for Dispute } Incorrectly reporting late payment for ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) as well as the balance for this card is {$0.00}. -please remove late payments and correct balance immediately XXXX. XXXX  XXXX XXXX  { XXXX # } ending in XXXX { Reason for Dispute } Incorrectly reporting late payment for ( XX/XX/XXXX, XX/XX/XXXX ) as well as the balance for this card is {$0.00}. -please remove late payments and correct balance immediately XXXX. XXXX XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } Incorrectly reporting late balance. balance for this card for this card is {$0.00}. -please correct balance immediately I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (FL)

I have noticed unauthorized inquiries on my Experian and XXXX report and provided this information over to the reps, and managers at Experian and XXXX over the phone. I mentioned to them how I was aware that according to the FCRA, legally these unverified & unauthorized items Must be removed but instead they said they DO NOT and WILL Not remove and inquiries and gave no reason as to why. XXXX investigated and removed the unauthorized inquiries but Experian and XXXX still refuses to do anything about this. I am in the process of applying for home loans and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness.
Consumer complaint received 2021-05-02
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)

The issue is that all three credit agencies are not including my entire lines of credit when calculating my 'credit usage '. All three of them keep looking outside at the creditors who are reporting to them rather than looking at their own miscalculations. I have called and emailed them all but they seem incapable of correcting this error in THEIR OWN records. 

I have spent hours on the phone with them but their agents are not capable of correcting this problem. It is negatively affecting my credit score.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
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: FORD MOTOR CREDIT CO. (IN)

Ford Motor credit comp account XXXX, has violated my rights 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681section 604 A section 2 : it also states a consumer reporting reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2020, I sent a debt validation letter via certified mail with return receipt to Portfolio Recovery at XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX requesting Debt validation Tracking # XXXX shows it was received and signed for on XX/XX/XXXX, XXXX by a name I can not make out. Debt validation is my federal right granted under the Fair Debt Collection Practices Act ( FDCPA ). Since I was NEVER contacted by the collection agency regarding any alleged debt, I reached out immediately after noticing the unfamiliar account on my credit report. It has now been well over the allowed 30 days and Debt recovery solutions has failed to provide any of the required documentation under FCRA to prove this alleged debt is mines however they continue to report the debt to the credit bureaus, which is a clear VIOLATION OF FCRA & my rights as a consumer are being violated by this company. THIS DEBT IS NOT MINES.
Consumer complaint received 2018-02-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Federated Law Group (FL)

XXXX XXXX purchased a credit card debt from XXXX XXXX XXXX, assignee of XXXX XXXX   and hired FEDERATED LAW to represent them in the Court of law in order to collect on the debt. On XX/XX/XXXX, a lady named XXXX who claimed to be with law enforcement agency and wearing a " badge '' and shorts, t-shirt, flip flops, came to my place of employment with her XXXX small children. She was asked to leave by human resources and to contact me at home. She left and then immediately called my place of employment again, being harassing. She left her number and I called her to try and set up an appointment and all She stated was someone would be out next week to my home address, which I verified with her, as I believe she was trying to give me Court papers. Instead, On XX/XX/XXXX, she showed up again at my place of employment. I asked her to please wait outside as I was getting ready to leave work and I would meet with her. I came out and she was still inside. I told her I needed to use the restroom. She said " really '' I said yes. Then when we got outside she continued to stand by the employee entrance area. I said this is embarrassing and why didn't anyone come to my residence. She accused me of avoiding her and threatening to fine me. They took me to court and Sued me and unfortunately the judge sided with them which I disagree with. Not only violating the FDCPA, the company failed to provide evidence that I owe the debt and that they have a claim in the debt. I asserted lack of standing not to mention being threatened, harassed and humiliated at my workplace.
Consumer complaint received 2022-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

This accounts appears on my credit report today. 
Its reporting that this account was opened in 2020 during convos. I never opened this account I want prove of debt and for them to remove this inaccurate fraud account immediately.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NC)

Discover Card compromised along with other banks and personal information in 2018. Victim of ID Theft. Fraudulent charges made to card ; discover fails to remove them in addition to reporting inaccurate, derogatory information to credit bureaus.