davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (TX)

I keep being sent notices over a debt that is not mine. I was a co-signer for an auto loan of over 13 years ago. These people keep calling me and sending notices that they are going to take action against me. Mr. XXXX from Settlement Dept.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (UT)

The following account sent in attachemnt is not ours, I had an HomeDepot account in XXXX and paid it off and then they back charged me interest and I had to fight for them to fix it. I would never open another account with Home Depot so I know for a fact this is not ours and in XXXX we sold our house so there is no reason in XXXX we would need anything from home depot. I called the number and they have no account on record for either me or my wife.
Consumer complaint received 2021-04-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

This is my second complaint filing with the Specialized Loan Servicing. I have been dealing with them for a year now since the pandemic began to try and get my loan modified. I own a small business, a bakery, that has suffered from the pandemic and was in need of mortgage relief. I sought a forbearance early on, was denied, and then finally received one. After additional requests I received a forbearance for 12 months. 

I have sought to modify for my loan repeatedly for months. I have sent document after document, spent hours on the phone, been yelled out, lied to and hung up on. I have received the same letter requesting the same documentation. I have sent the same documents over and over. Even though I have repeatedly said I can get help paying my mortgage so that I can keep my home, my modification was denied twice because I missed the " parameters of the program '' by 1 %. I begged to speak with someone who could help, make decisions about my case. Every letter that was sent to me included the name of someone and a teller number, but I was never permitted to actually speak to that person. There is never a direct line or extension number. While I have been transferred I nearly always am hung up on when I am transferred. 

Following my last complaint to CFPB, I received the explanation of why I was denied the modification, and then received the exact same forms to apply again. The letter to this regulating body included the name of another " teller '' and included the number to " XXXX XXXX  '' should I have any questions. The " XXXX XXXX '' number goes to voicemail automatically. A human being never picks up. I left a voicemail BEGGING for a callback. I never received one, even though the voicemail promises a callback within 48 hours. I continue to struggle to speak to a human being that can make any definitive decisions regarding my mortgage, which will no longer be in forbearance as of XX/XX/XXXX. 

I am again filling out a modification request. i am including documentation that I can get monthly help. If I COULD JUST SPEAK to someone when I fill out this application, I'm sure I can qualify for a modification given THAT IC AN GET HELP PAYING MY MORTGAGE. I don't understand how this is not preferable than my foreclosing.
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (NY)

CrossCounty mortgage refuses to provide me with a loan estimate until I provide them with a signed purchase contract. 

On XX/XX/2020, I spoke with XXXX XXXX of CrossCountry Mortgage who identified himself as working with loan officer XXXX XXXX XXXX ID # XXXX at CrossCountry mortgage. After a brief phone conversation, I was directed to fill out a mortgage loan application on their website, which I completed, along with extensive documentation regarding assets and income, on the same day. On XX/XX/XXXX, I received an email from XXXX to tell me that I had been pre-approved for a mortgage. Attached to email was a letter signed by XXXX stating that my credit, assets, and income were reviewed. I also received a notification from XXXX  that CrossCountry performed a credit check on XX/XX/XXXX. 

On XX/XX/2020, I sent an email to XXXX and XXXX requesting a loan estimate. In my request, I included the property address, property value, loan amount, as well as an estimate of other fees, including HOA and homeowners insurance premiums. 

XXXX responded that CrossCountry is unable to provide a mortgage estimate without a purchase contract. This is despite CrossCountry reviewing my mortgage application and me providing them with all of the details they would need to provide me with an accurate loan estimate.
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my FEDERALLY PROTECTED COCONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY under 15 USC 1681. 

ACCOUNTS_____ACOUNT NAME : XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX HAS VIOLATED MY CONSUMER RIGHTS 15 USC 1681- ( A ) - ( 4 ) : THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, AND A RESPECT FOR THE CONSUMERS RIGHTS TO PRIVACY. 

15 USC 1681-SECTION 604-A : SUBJECT TO SECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES.

15 USC 1681 SECTION 623 : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. ( 1 ) PROHIBITION ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR CONSCIOUSLY AVOIDS KNOWING THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2021-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

We are attempting to payoff our mortgage. However, our attorney did a title search and discovered our original mortgage company ( XXXX XXXX XXXX ) sold our mortgage to two separate entities. The timing of these sales of mortgage were close enough together that a title search would not have revealed the prior sale. 
Currently, we have deposited the funds ( {$79000.00} XXXX to payoff our mortgage with our attorney pending satisfactory resolve of this issue. These funds are being held in his escrow account. The problem is the payoff supplied by our lender was only valid through XX/XX/2021 and the servicer ( Select Portfolio Servicing Inc. ) failed to answer how this matter would be cleared up. Instead, they simply indicated who one of the mortgage owners are. 
To date, Select Portfolio Servicing , Inc. has failed to answer us or our attorney as to whether both mortgage owners will file a satisfaction piece once our mortgage is paid off. Our concern is the servicer will attempt to add additional fees, late charges and/or adverse credit reporting.
Consumer complaint received 2020-06-02
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/20 I mailed certified letters to all three credit agencies, XXXX, Transunion, and XXXX  regarding a delinquent account being reported by XXXX XXXX XXXX. I was requesting verification of the account. XXXX responded on XX/XX/20, XXXX   responded XX/XX/20, Transunion XX/XX/20, all three agencies stated that the account was verified and updated on my credit report. I submitted a second request to the agencies requesting their method of verification. XXXX  responded back after my second request on XX/XX/20 stating that upon their reinvestigation the account was deleted and my credit report was updated. I received a second response from Transunion and XXXX again stated that their reinvestigation of the account in question was again verified and updated. I sent a third request for method verification to both Transunion and XXXX and provided them proof of the removal of the account from my XXXX  report. After three rounds of request for their method of verification, I received the same response that the account from XXXX XXXX XXXX has been verified and updated. I don't believe that a thorough investigation was done as required under the FCRA. XXXX reached a settlement with the federal government regarding their unfair practices. I fall under that lawsuit umbrella and DEMAND that XXXX XXXX XXXX is removed from my Transunion and XXXX credit report.
Consumer complaint received 2021-04-11
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: TRANSWORLD SYSTEMS INC (NJ)

I originally wrote Transworld systems ( TSI ) about a {$140.00} collections they put on my credit report of XX/XX/XXXX for a XX/XX/XXXX XXXX XXXX utility bill. I wrote and called to both XXXX  and XXXX  in XXXX and XX/XX/XXXX and showed proof that I didn't owe it and they all refuse to take the Transworld collections off my report. TSI put a collections on all three credit bureaus for a Utility bill that originated from creditor XXXX XXXX. The house where the XXXX XXXX bill originated from was sold in XX/XX/XXXX and the XXXX XXXX utility bill originated in XX/XX/XXXX. I had already MOVED and SOLD the house IN XX/XX/XXXX. All outstanding bills were settled or transferred to the new owner. I was not made aware of this bill because I did not live at that house since XX/XX/XXXX and never received notification although I had a change of address with United States postal service and all mail was being forwarded by United States Post office to my new address. I sent Transworld Systems copies of the notarized documents showing the sale of the property in XX/XX/XXXX. I also enclosed United States Postal Service mail forward form from XX/XX/XXXX showing that I moved at that time. 
Based on the aforementioned, Trasnworld system should remove the collections from my report. I even I called Transworld systems numerous times and they keep giving me the runaround and told me to call the XXXX XXXX. Transworld systems is the collection agency for XXXX XXXX and there is nothing XXXX XXXX can do. Transworld is responsible for the collections that was put on my credit reports. I called XXXX XXXX, I disputed the collections with XXXX XXXX  and XXXX, but XXXX was the only one who removed the collections. XXXX and XXXX will not take it off because transworld will not budge and do what is right despite me writing, calling and showing them notarized documents that I sold the house in XX/XX/XXXX. 

I even paid the {$140.00} because I'm trying to refinance my home and although it is paid and wrote to every high authority at Transworld system they will not remove the collections. This is a form of oppression to keep my credit scores low so I will not be able to obtain a better standard of living. I SOLD THE HOUSE and THE THE BILL WAS GERNERATED AFTER the sale and I showed proof. The bill was generated and sent to collections years AFTER I MOVED! There is nothing I could have done to have known about this bill or paid since I moved out of the state.
Consumer complaint received 2017-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Below are the names of people and/or organizations who have obtained a copy of my Credit Report without my knowledge. Per your companys request I have contacted ALL of the below companies and have heard nothing back. Upon researching a solution as these inquiries were not initiated by me, I found that Section 611 of FRCA says you can request the method of verification from the reporting agency ( your company ) and if such agency doesnt have legal validation : documents provided bearing my signature where I applied for credit from the below companies, or showing that I have a legally binding open account with the company, then such reporting agency must delete the file/inquiry. 

When I called XXXX XXXX, disputes for all of the below accounts were initiated and no prevail has happened. In accordance to Section 611 of FCRA, I have the right to request the name, address, and telephone number of each person contacted regarding the accuracy of the reporting of the inquiry in which your company spoke with during your investigation ( automated response or e-oscar verification is unacceptable ), yet your company has yet to furnish to me how you have concluded that these inquiries are valid. On my credit file there is a fraud alert and fraud police reports, yet your company is still allowing the pulling of my credit without myself being notified prior. My statement even states to call me prior, nonetheless unauthorized after unauthorized inquiry is happening almost daily.
Consumer complaint received 2022-11-17
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX FIN XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  COMPANY ) XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXXXXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (OH)

I requested a letter of validation of the debt on XX/XX/XXXX, I never got a response. In XXXX, the company filed a law suit. They bypassed the rights I have under the consumer financial protection bureau.
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX is an account that has been reported with an incorrect balance, incorrect payment history, incorrect opening date and all 3 of these issues have been brought to the attention of the Credit Bureau by dispute. 

However, each dispute has come back as 'VERIFIED '.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OR)

on XX/XX/20, i received an email from XXXX thanking me for a {$100.00} gift card purchase for XXXX. i do not know a XXXX, so i knew this was bogus. i immediately contacted XXXX to say i did not buy a gift card, and XXXX deactivated my account and canceled the gift card. but they did not refund the {$100.00} charge. 

i also contacted chase.com to say that apparently my account had been hacked because someone had made a {$100.00} purchase with my credit card. chase sent me a new card and opened an investigation. they contacted XXXX   for more information and XXXX provided chase with my name, address, email, phone number and credit card number. chase determined that if XXXX   had my personal information then the charge was valid. 

i did not have a XXXX account, although i had had an account with one of their affiliates, XXXX ( i believe XXXX has acquired XXXX ). i was appalled to find out that XXXX had my personal information in the first place. i had previously used my chase card to have food delivered, but that was a one-time order, i did not authorize XXXX to keep my information on file. that XXXX 's lax security allowed a hacker access to my personal information is not o.k. 

that chase would deny my fraud claim on the basis of information provided by XXXX -- information i had no idea XXXX had in its possession -- seems to me a violation of federal consumer protection regulations. and that is the basis of my complaint. 

i have corresponded and talked on the phone to several people in chase 's fraud investigation department. again and again they've told me that if XXXX   had my personal information then i am responsible for the {$100.00} charge. that can't be right. 

although chase promises to protect its cardholders, it is not providing any protection for me, its customer in excellent standing for 10 years. here 's what the chase web site states : " Your security is our number-one priority ''. it further states " You wont be held responsible for unauthorized charges made with your card or account information. '' that's balderdash.
Consumer complaint received 2021-08-20
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: PENTAGON FEDERAL CREDIT UNION (NY)

I have these accounts that are not mine and i want htem to be removed. 

XXXX 1. Identity Theft PENTAGON FCU Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

6. Identity Theft PENTAGON FCU Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft PENTAGON FCU Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
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: Santander Consumer USA Holdings Inc. (NY)

During the past several months I have try to resolve a situation with inaccurate reporting on my credit report regarding Santander Consumer. I reached out to the company several times an attempt to resolve this matter by even faxing over documentation that was mailed to me by the New York state general. Santander Consumer was ordered in court to resolve and delete any debt owed in between several years expand due to fraudulent loan high-interest and knowing that consumers will not be able to properly payback on time due to high interest rates which was unfair to Consumers they preyed on consumers with not so much of a good credit and knowing that they did this in a selfish manner of trying to make money illegally. Needless to say I fell victim to the situation and I regretted it ever since. I have also reached out to the credit bureaus and for investigation into this matter because after speaking with the company Santander Consumer they instructed need that they notated on the account and that it will be deleted eventually because due to high volume of account he asked me to be patient. The supervisor asked me if wanted to speed up the situation that to place if disputing with the credit bureaus and it will be notated on the account and it should be deleted within 30 to 45 days. This never happened and now I'm very frustrated and confused about the situation. I've reached back to New York state general office emailing them regarding that I have an issue with them following court orders with deleting the account from my credit report. They also asked me to be patient. This account should have been deleted long time ago especially after faxing over the same letter that was mailed to me from the New York state general office regarding being qualified for the multi-state settlement. This is the website where you can find more information regarding the multi-state Settlement athttps : /XXXX/. I can also be reached at XXXX. I asked for this to be deleted which doesnt violate my rights, thank you in advance.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Self Financial Inc. (FL)

This is a follow up complaint about the response the company SELF/LEAD  XXXX gave me. 
they are using misleading and deceptive practices to collect fees and negatively impact my credit because the only time I received notice that there was an issue with automatic payment was two months later. I NEVER received any other notices prior to that. now checking I see other emails that I've never seen before because they were sent from a different email address and those were going directly to promotions or spam. As you can see in the attached picture below they just apear if I look specifically for Self in the search bar.