davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

In mid XXXX I had requested that the PMI on my mortgage with Specialized Loan Servicing be removed. My home was completely renovated and have approx 60 % equity. My 1st request was in mid XXXX via a phone call. SLS then sent me a letter dated XX/XX/2021 stating that according to their research, I only have 16 % equity. The letter also stated that if I wanted to have a BPO or appraisal completed, I needed to fill out and sign the authorization included w/ the letter and fax or mail it back to them. I filled it in, completed the question about any major renovations/updates, signed it and faxed it back on XX/XX/2021. On XX/XX/2021 I called and spoke to XXXX at SLS. He confirmed that the authorization that I faxed was received on XX/XX/2021 and told me that it could take up to 30 days to review and if needed, a broker or appraiser would be in contact to schedule a time to look at the house. As of XX/XX/2021 I sent SLS a message through the message center explaining that I had not heard from anyone ( I thought I would have had a message or a call from an appraiser by this time ), and could they provide me an update. On XX/XX/2021 I received a message that they had received the authorization ( but no other update ). I sent a message back on XX/XX/2021 and asked for specifics on what was going on and when I should hear from someone. On XX/XX/2021 I received another message from SLS stating that a signed authorization was required before they could review the file and schedule a BPO/appraisal. Once again, I sent a message ( on XX/XX/2021 ) that the authorization was already sent and 2x SLS confirmed that it had been received. On XX/XX/2021 I received a message from SLS that a decision letter was sent to me on XX/XX/2021 and I should refer to the loan and document section to see a copy of it. There was no such document sent on XX/XX/2021 ( the letter was sent to me on XX/XX/2021, not XX/XX/2021 ). Based on the last 2 messages from SLS, I have to assume they aren't even reading my messages or looking into the request. It's been over 2 months since my request and I continue to get the run around from SLS and continue to have to pay the PMI on my mortgage. Even if I hadn't renovated the house, AZ property values have increased 25 % in the last 12 months in my area. I have sent them all docs required. My experience with SLS in the past has been similar. They do not address questions or issues in a timely manner.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-04-04
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-04-30
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. (PA)

The following accounts have incorrect information with all 3 credit bureaus : - XXXX XXXX XXXX ( Account Number : XXXX ) : Has incorrect dates of first delinquency. XXXX has date of XX/XX/XXXX, TransUnion has date of XX/XX/XXXX, XXXX does not have this information. TransUnion and XXXX also have incorrect payment histories throughout their filings. 

- XXXX XXXX  ( Account Number : XXXX ) : Has incorrect past due dates starting from XX/XX/XXXX through XX/XX/XXXX. XXXX has past due days of 150 in XX/XX/XXXX, TransUnion has past due days of 120 in XXXX. XXXX has me in good standing as of XX/XX/XXXX, TransUnion has me in good standing as of XXXX XXXXTransUnion and XXXX also has incorrect payment histories throughout their filings. XXXX does not have this information. 

- XXXX XXXX  ( Account XXXX : XXXX ) : Has incorrect past due dates starting from XX/XX/XXXX until account close date. Many inaccuracies throughout payment history. XXXX 60 day past due in XX/XX/XXXX, TransUnion has 30 days past due in XX/XX/XXXX. XXXX has me in good standing from XXXX XXXX XXXX TransUnion has both 30 day and 60 days past due days in the same time span. TransUnion and XXXX also have many other incorrect payment histories throughout their filings. XXXX does not have this information.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : XXXX under the Fair Credit Reporting Act this disputed item XXXX not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$3100.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report
Consumer complaint received 2021-07-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Oklahoma Student Loan Authority (OK)

I have two lower balance student loans. Due to covid I havent been required to pay them, the accounts are basically frozen. I havent been able to access them or pay on them whatsoever. Both student loans were in good standing. I understand the freeze on student loans was done in order to help in a time of need but the issue I have with this, is affecting my life greatly in a negative way. Before covid I had auto drafts to pay my student loans each month, totaling under {$100.00} combined. Since student loans arent requiring payment right now I can not pay on them even though Ive been fortunate enough to keep my job throughout covid. My issue is that I am trying to buy a home and now that I havent had the option to pay on either loan my balance has exceeded my credit limit for each loan, as well as a 90+ day late status on each loan. This is impacting my credit report significantly in a negative way. While I understand and appreciate the US government trying to assist those in need during covid I feel I am at a disadvantage. If I were to have the option to continue my monthly auto drafts my balance would be significantly lower, possibly paid off. I am requesting that this be looked at and removed from my credit report with all three bureaus. I am a law abiding citizen, I pay my taxes, I have a good career. I am trying to better myself and my family but this issue is affecting my credit report so negatively that I feel discouraged. Thank you.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I reviewed my consumer reports and noticed that i had two late payments on two accounts that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/23, XX/XX/23. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete remove these incorrect numbers below. 
The following numbers are not mine XXXX, XXXX
Consumer complaint received 2023-04-04
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)

I am submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT RPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

amount {$1000.00} I have never done business with XXXX XXXX XXXX. I do not have a signed contract with XXXX XXXX XXXX. I have the right to demand to see a signed contract between XXXX XXXX XXXX and myself
Consumer complaint received 2018-02-12
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. (NY)

my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX social XXXX date of birth XX/XX/1959. equifax confirmation XXXX my complaint is that equifax office of consumer affairs that handles my credit file, i told them several times that the XXXX XXXX XXXX XXXX account XXXX is not mine it a fraud account with balance of XXXX that account supposed to been remove due to fraud. and also all the hard credit inquires that were not mine do to fraud. please talk to equifax to have the XXXX account XXXX remove from my credit file alng with all hard inquires do to fraud
Consumer complaint received 2018-02-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (IL)

I previously sent two requests for validation of the debt. Never got an answer from XXXX XXXX. I pointed out to them that that they have illegally reaged the Date Opened to avoid Statute of Limitations. As you can see from XXXX 's reporting of this same {$64.00} debt, they show Date opened as XX/XX/XXXX ( the actual date of last activity was probably in late XX/XX/XXXX so the entire amount is no longer collectible and should be shown on my report as any attempt to collect a debt which is otherwise uncollectible is illegal.
Consumer complaint received 2022-01-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2020-01-26
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: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment that resulted to this account getting a charged-off. This is paid already. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2018-02-12
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. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified with the original contract with my signature or removed immediately. Its been more than 90 days that I sent in certified documents over to XXXX  and you havent removed the remaining errors. You removed majority of the inaccurate accounts and inquiries listed in the attachment area that you havent removed 1. XXXX XXXX XXXX # XXXX, 2. XXXX XXXX XXXX, 3. XXXX XXXX XXXX. I am unaware of this account and its an error but you continue to report inaccurate information. I warned you not to long ago that if you dont remove this account that I will forced to take legal actions against XXXX and you still insisted on delaying the process but you have violated THE FCRA sections 609, 611, 612, 604, and more. I am in distress and my only option is to take this to court. It has been well over 120 days and i havent received any
Consumer complaint received 2022-01-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I have been trying to starve off foreclosure and i was told in XX/XX/XXXX by the bank SLS a payoff of arrears of {$220000.00}, now i finally got together {$240000.00} together sold a business and i then requested in XXXX the payoff from the bank that was good through XX/XX/XXXX they send me a payoff of {$280000.00} now my mortgage per month is only XXXX per month but the bank increased the payment between XXXX 1 month of {$60000.00} increased and all my taxes were paid nothing outstanding so i questioned the bank and requested them to explain how my mortgage arrears went up {$60000.00} in one month? they have refused to get back to me or my attorney XXXX law handling this. The most my arrears should of went up in one month is {$3200.00} not {$60000.00} ... the bank is stalling because the longer they get back to me the more the mortgage arrears goes up.
Consumer complaint received 2020-01-26
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. (NJ)

XX/XX/19 -Disputed incorrect data on my accounts with XXXX  , they failed to verify and correct errors on my credit file. No proof provided to me.

XX/XX/19-same as above.

XX/XX/19-same as above accounts : XXXX duplicate accounts XXXX  account XXXX doesn't belong to me XXXX  XXXX incorrect data XXXX XXXX duplicate accounts XXXX XXXX  incorrect data XXXX XXXX XXXX XXXX XXXX XXXX incorrect late pay and data
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I called Carrington Mortgage and was informed they did not know why a recent credit update was not sent to the credit bureau. I was informed to contact the credit bureau. The mortgage shows no more than two months past due and a past due amount. Incorrect.
Consumer complaint received 2022-04-30
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX, has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-30
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX, has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.