davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

On XX/XX/XXXX, Select Portfolio Servicing , Inc received requested documents such as death certificate of XXXX XXXX via email. The email dated XX/XX/XXXX to Select Portfolio Servicing , Inc included XXXX XXXX Death Certificate which is also filed with the Recorder of Deeds at the LT. Governors Office in XXXX XXXX XXXX, Adjudication ( Probate ), Order of Default of cosigner and executor of the estate and the Order vacating Default of XXXX XXXX. A letter XX/XX/XXXX was sent to my address requesting the same documents ( death certificate ) that I uploaded to Select Portfolio Servicing via email ( see attachment ). I am requesting Select Portfolio Servicing to include my mothers death certificate on file. I XXXX XXXX the sole heir that can assume and be further responsible for this loan. 

In addition, I would like to clarify Consumer Financial Protection Bureau ( CFPB ) rules adopted under the Garn-St. Germain Act which list the transfers of real property is excluded from enforcement of a contractual due on sale clause. The protected transfers include a transfer to a relative ( heir of XXXX XXXX ) resulting from the death of a borrower, since the cosigner and executor defaulted. Acquired property by this kind of transactions, I XXXXXXXX XXXX have the full complement of rights under RESPA and TILA. 

Since, I  XXXX XXXX complied within specified time frames, and you have in your possession all relevant documents that are needed to confirm that I am the person making the request, I am a protected successor. I am hereby invoking my rights to get information, request transfer the loan, dispute errors and have payments properly credited. I am requesting Select Portfolio, Inc certified me through the documents received on XX/XX/XXXX as the homeowner of the property. Since the requested documents were provided, I should be entitled to protections relating to assuming the mortgage or other loss mitigation disputing rights, monthly statements, escrow accounts, servicing transfers, and other rights afforded by TILA and RESPA as a home mortgage borrowers. 

Please note, under the new rules expand the definition of a borrower for purposes of RESPA, and consumer for purposes of TILA, to include a confirmed successor in interest. 12 C.F.R. 1024.31 ( eff. XX/XX/XXXX ). Successor in interest is defined as coextensive with transfers listed in the Garn-St. Germain Act after which a due-on-sale clause may not be exercised Select Portfolio Servicing , Inc has erred by not filing the death certificate, placing XXXX XXXX as successor of interest, not proving the requested documents to review the account of my deceased mother XXXX XXXX and provide loss mitigation options such as a loan modification or assuming the mortgage under the Garn-St. Germain Act. By copy of this notice of error, I am once again requesting that Select Portfolio Servicing, Inc provide the above listed documents and/or information and correct all errors.
Consumer complaint received 2022-11-20
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2021-09-03
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2014 with a balance of {$3500.00}.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ADIR INTERNATIONAL LLC (AZ)

Called Curacao Thursday XX/XX/2020 to complain about inaccurate collections reporting on my credit bureau. Said they couldn't do anything. Then turned around on XX/XX/2020 and updated my XXXX  report to 119 days, or 4-5 months late. This account was never late on minimum amounts due, and is reporting also 30 days late and 60 days late. Also reporting installment account, incorrect amounts and incorrect terms, when this is a revolving account that has been closed for a while, plus I requested to close the account, not the grantor.! Curacao reports what ever they want when ever they want, which violated the consumers rights! They do not cooperate with account verificiations at all, when they have 30 days to respond. Certified letters are ignored as well. 

See attachements
Consumer complaint received 2020-10-12
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. (NJ)

AFTER CAREFULLY REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ... DATES ARE XX/XX/20 XX/XX/20 XX/XX/20
Consumer complaint received 2020-07-09
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Consumer complaint received 2020-07-09
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Consumer complaint received 2020-05-12
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: Midwest Recovery Systems (FL)

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , IncXXXX, that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! 

The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Consumer complaint received 2022-11-20
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2020-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

On or about XX/XX/XXXX, Citibank decided to close my 5 accounts which have been opened for over 20 years. 
I was abroad, on quarantine because of the virus, and never read the 30 day notice. 
my XXXX  account was mostly affected. no automatic in or out transfers were approved and I was not able to apply for the government small XXXX relief program. 
2 of my XXXX closed me out. 
it took over a month, while my balances were frozen at Citi to get all my balances transferred to another bank. 
the bank knew that I was away and could not respond. 
my XXXX now is about to close had communications daily with a bank officer but he kept telling me that he could not divulge confidential information of what was going on. as of today, do not know why accounts were closed
Consumer complaint received 2023-02-08
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Received an alert about an account being open with capital one by XXXX on XX/XX/2023, without my permission. Someone has my information and I can not do anything about that but I can have this account closed with my credit report fixed PLEASE.
Consumer complaint received 2021-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc (LA)

As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXX. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
Consumer complaint received 2020-07-27
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. (TX)

This item was previously removed from my credit due to identity theft and has been re-inserted as a new account as of XX/XX/2020 in the amount of {$68.00}, in which is illegal. Please remove this debt off of my credit. I have disputed this with XXXX and they sent me an updated copy of my credit report and this is not appearing. Re-aging a debt is against the law and inserting inaccurate information is also illegal.
Consumer complaint received 2022-04-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

on XXXX sent a letter to transition disputing information on an account named XXXX  I never received a return information or respond meaning the credit bureaus are entitled to delete it permanently off my report
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX, I was rejected a credit card application due to SSN fraud alert that I couldn't resolve due to covid issues at the time. 
On XX/XX/XXXX, a new job couldn't run background check completely due to a fraud alert " Input SSN likely not issued prior to XX/XX/XXXX '' so I was held behind in the process for 3 weeks and the background check came out inconclusive regarding my SSN although i provided the job my copy of SSN and was able to work but it was a hazzle. 
On XX/XX/XXXX, I was denied a lease agreement due to credit report coming out as High Risk, not trusful. I was required to get a cosigner when I don't have anyone to help me with that so in order to be able to rent I had to pay more and my credit score was useless after all these years of working to improve my credit. When I needed to use it, it created me more issues. All of this is preventing me to have access to regular services and leasing. 
On XX/XX/XXXX. I applied for Internet services with XXXX. They holded my credit again and told me because my social is not correct. I told them my numbe and XXXX said it was weird that Equifax would set a high risk alert since my information was correct, but for procedures they would still need copies of all my information and ssn. 
I need this High Rish fraud alert to dissapear. It is preventing me from having services and a normal life. The covid situation is already difficult and this is too much. First of all. I didnt commit any fraud. Secondly, as an XXXX  there is obviously a reason why the social wasn't issued before XXXX, so it shouldn't create an alert of high risk. I need to move on with my life. I need things to work, I deserve that since I worked so hard to keep my score clear so when I need it, I would get services available.
Consumer complaint received 2020-07-09
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: Experian Information Solutions Inc. (TX)

I FILE A FTC REPORT AND REQUESTED THAT THEY BLOCK THESE ITEM AND DELETE THEM THEY TOOK OVER 45 DAYS WHICH IT SHOULD BE 4 BUSSINESS DAY ONCE THEY RECIEVE THE ITEM AND THEN MAKE THERE DECISION I ALSO SENT LETTER TO THE CREDITORS AND THEY ALSO SENT ME NOTHING BACK
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are many errors published on my credit reports. Apart from my name being misspelled many different ways, there are also accounts on my report I have no recollection of. I have been sending validation request letters to all 3 bureaus ( Transunion, XXXX and XXXX ) since XX/XX/2021 and have not yet received any responses thus far- some of which were certified letters. I have also sent letters on the following dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021. According to what I've read about the FCRA, I have the legal right to dispute any inaccurate information on my credit report and by law the bureaus are obliged to provide me with validation of the reported accounts in question or remove them from my reports. These negative accounts are affecting my chances of being approved for a mortgage in the near future. I have been working very hard as a XXXX  to save up and provide for my family and without good credit I am finding it difficult to do that.
Consumer complaint received 2020-07-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: South Mississippi Collection Services Inc. (MS)

The very first conversation I had with an employee happened, I believe, in XXXX. I was on break at work, but about to clock in when I answered. I told her I was an worm and couldnt take care of it right now. Her response was, they would have to take legal action. 
Her notes reflect that I refused to cooperate and hung up. 
They proceed with legal, after not further contact with them. 
They attempted to serve me at the incorrect address. 
I made contact with them in XXXX, after I had been making payments directly to the medical office, which I had been doing though inconsistently, to set up arrangements. I also updated them with all my correct information. In less than a week of making payment arrangements, I lost my job due to COVID-19. I failed to contact them to tell them I was affected by a global pandemic. They never contacted me with regards to payments and proceeded with legal, again without having me served, so of course I was not in court. Now my assets are frozen for the incorrect amount for garnishment. 
Every conversation I have had with multiple employees, including the owner, has been condescending, disrespectful, unprofessional and/or completely dishonest.
Consumer complaint received 2018-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Experian will not allow me to freeze my credit online, they are asking for information that would make me jump through a lot of hoops, for instance, a police report. A police report of what? Everything has to be done by regular mail, yet I have an account and can view my credit history.
Consumer complaint received 2020-11-03
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. (IL)

The bureaus not following the laws. They have not provided me with my investigation results.. I sent out several disputes in regards to my credit concerns and they have not complied ... Please help me remove my credit concerns off my credit report..
Consumer complaint received 2018-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (MD)

As I had filed a complaint regarding XXXX XXXX XXXX XXXX rewards program, refusing to give points for my purchase {$59.00} and credit account balance CFPB # XXXX. Now XXXX XXXX XXXX XXXX changed the Order Number : # XXXX receipt transactions is " blank '' not identifying products purchased ( see Attached ). 
However, the original receipt of purchase Order Number : # XXXX shows what I ordered and identifying the products purchased {$82.00} I ordered boots and {$84.00} I ordered perfume which is a third party and {$59.00} was the reef and leggings which XXXX XXXX XXXX XXXX did not give me any points. 

XXXX XXXX got rid of fragrance and perfumes on the website ( See Attached ) which is a third party company XXXX. I believe they are trying to hide something and be deceitful because I filed a complaint against their rewards program, refusing to give me points toward my purchase of {$59.00} leggings and reef and my account credit balance which is wrong, it's not {$100.00} which someone is stealing my credit. Then they erase the perfume and boots I ordered please see receipt # XXXX and erase perfume and fragrance from the XXXX XXXX website ( see attached ) to hide their dishonesty and deception on my orders, stealing my credit and rewards. 


XXXX XXXX XXXX XXXX keep changing the rewards report acting retaliatory and belligerent not consistent with their on terms and conditions.