davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My home was foreclosed, and the servicer Select Portfolio Servicing ( SPS ) out of Utah, did not adhere to the homeowners bill of rights. It is as if it does n't matter to them. I never spoke to the point person that you are entitled to have. The servicer never tried to work something out with me. 
Additionally, ( SPS ) engages in dual tracking, which is another violation of the Homeowners bill of rights. I have an inherited property that ( SPS ) is now trying to foreclose on. They are not specific with their instructions when they send out a modification packet, however, when you send the required documentation, they become specific, and document it as they did n't receive it, but the truth is, they would not accept it. By the time you send the documentation the way they want it, other documentation has expired, causing you to have to resend it. This is a trick, because they will place a sale date on your property in the process, and say if they do n't receive the documentation your property will go to auction. They then sell it to a XXXX party to clear their books. Now your recourse is not with the servicer but the third party, that may or may not know what is going on. When my primary residence was sold, I discovered that XXXX actually held the note. When my primary residence went to auction, it did n't sell and became an XXXX and from XXXX to XXXX I was going into XXXX asking them to reconsider what had been done, except, XXXX could not identify me either by Social Security number or Loan number, I spoke with the branch manager, by the name of XXXX XXXX and he called his back office. I had been fighting XXXX for 6 years because they created the default, and for 6 years they were unable to foreclose on my home legally, so XXXX simply sold the loan to ( SPS ) and it is clear their only goal was to foreclose on my properties, and decided to engage in illegal activity, as well as ignoring the homeowners bill of rights, because nobody is regulating it. I would like to see this illegal foreclosure reversed and my property returned to me. My case is further complicated because my properties are in private label security loans ( PLS ). the financial institutions have no intention of working with homeowners with principal reduction, however, are willing to sell them to speculators at a discount and displacing the homeowner, I have information that the speculator that purchased my home, has a non-profit in XXXX XXXX CA, and yet between he and his wife have recently purchased XXXX properties in XXXX XXXX CA, in XXXX zip code, XXXX of them on my same block, he has no desire to live in these properties, just wants to flip them to make money, this is not fair to homeowners. When I was notified that ( SPS ) was the new servicer, I informed them that their were unresolved issues with another financial institution, they replied, they have no say so on which loans they service.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-06-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MI)

My mortgage loan was foreclosed on XXXX XXXX, 2011 Sheriffs deed. I contacted A lender to apply for a new mortgage in which I can not obtain XXXX as my name is still in the FHA XXXX XXXX. I contacted Citi Mortgage to have this resolved. Per FHA they have not received a claim on the property and I can not get a preapproval for a new mortgage. Citi could not provide me with any information.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I have asked the credit reporting agencies to remove these accounts because the information is inaccurate and also remove these inquiries that were not permissible but they have again ignore my request. The law states that after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall.. ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 
I have not given anybody permission to review my credit report as well and i have requested that they remove those inquiries but they still remain. I have been trying for several months to get this situation resolved.
Consumer complaint received 2015-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (TX)

There is a 'collections ' open under my credit report with name AFNI and original creditor - XXXX XXXX for {$250.00}. 
I have no idea why is this amount pending under my name and what I need to do to get rid of it from my credit report. I never had this account and I do not owe XXXX anything.
Consumer complaint received 2022-01-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX at XXXX, I received a text message from XXXX stating they were Wells Fargo Security asking " Did you use your debit card ending in XXXX at : XXXX XXXX, {$10.00} Declined, XX/XX/XXXX XXXX XXXX XXXX XXXX  {$15.00} Approved, XX/XX/XXXX XXXX PAYMENT, {$3500.00} Approved, XX/XX/XXXX If you recognize this activity, reply YES If not, reply NO STOP to end text I then replied NO and immediately received a call from XXXX at XXXX from a customer service representative stating she was with Wells Fargo security . Asking me if I made these transaction and I then proceeded to tell her NO. She said she would cancel my debit card immediately and issue me a refund of the XXXX XXXX XXXX XXXX charge. She then said the XXXX PAYMENT XXXX was approved but had not gone through yet and that I needed to reverse the transaction by sending the money back to myself. She sent me a text message from the Wells Fargo number ( XXXX ) at XXXX XXXX with a 6 digit code that I usually receive text messages from Wells Fargo and instructed me to login and give her the 6 digit code. She then told me that the XXXX payment was going to someone named XXXX XXXX and asked did I know them. I stated NO. She said that I'd need to login to XXXX and change my phone number back over to my name and send the money back to myself in which I did. She said to give it 15 minutes and I should see the charge made to my account I did not so I called Wells Fargo back immediately ( XXXX ). They then told me that that wasn't them and that that was a scam and that somehow their number was hijacked. They immediately deactivated my card and filed two claims 1 ) for the approved amount of XXXX at XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX and 2 ) for the fraudulent XXXX transaction of XXXX. The XXXX was refunded but they denied the fraudulent XXXX transaction of XXXX
Consumer complaint received 2016-02-24
Product: Credit card — 
Issue: APR or interest rate — 
Company: Resurgent Capital Services L.P. (MN)

LVNV Funding LLC purchased a charge off account from XXXX in XXXX. The original balance was {$11000.00}. This account was never in litigation and I have never been contacted by this company. The current reporting of the account is {$22000.00}, which has doubled since XXXX. I believe the company working the account to be compounding interest/fees incorrectly/illegally. I am trying to settle on the original amount of {$11000.00}. I understand due to the age of the account, legally the company can no longer enforce payment, however I would like to settle to remove it from my credit report.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (TX)

I have been disputing the late payments showing on my account for Westlake Service Inc which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Consumer complaint received 2017-03-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Affiliated Group, Inc (TX)

To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim that I owe THE AFFLIATED GROUP {$82.00}. This is a formal notice that your claim is again disputed. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Please note that I never received " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : I do n't have a contract with you, nor have I ever signed anything to THE AFFLIATED GROUP stating I had an agreement with you and owed any monies to THE AFFLIATED GROUP. 
Please be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. 
The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 
I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX, TX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2024-02-10
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. (GA)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-15
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)

I recently pulled my credit report and discovered a collection account listed as XXXX XXXX in which I have never had an account.Furthermore, I do not have any collection accounts for any company. I do not have outstanding balances either. This erroneous information is preventing me from obtaining a home loan and I'd like it removed at once.
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (IN)

Midland Credit Management called ( XX/XX/24 ) to threaten to sue, after I've received no mail of the situation. I had received a call a long while back about a debt that was dropped by XXXX during XXXX and when I was out of work due to injury, and he threatened to send me to jail for not answering him or paying. 
Today 's call was defending this previous interaction, and threatening to tack on wages and interest to what is owed as she got heated with me in my defense of the situation. 
She doubted me being at work and working when I told her I was opening up the restaurant I worked at and needed to go. Very unprofessional to pretty much call me a liar over the phone when I'm here trying to work.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have asked the credit reporting agencies to remove these accounts because the information is inaccurate and also remove these inquiries that were not permissible but they have again ignore my request. The law states that after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall.. ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 
I have not given anybody permission to review my credit report as well and i have requested that they remove those inquiries but they still remain. I have been trying for several months to get this situation resolved.
Consumer complaint received 2022-01-20
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: Experian Information Solutions Inc. (VA)

This submission is NOT from a third party. I XXXX XXXX the natural person and consumer sent a letter to EXPERIAN On XXXX once again informing them they were reporting misleading fraudulent accounts on my consumer report. They received it on XXXX & have 7 days upon receipt to send me my deletion request.

Pursuant to 15 USC 1681a ( 4 ), EXPERIAN is currently in VIOLATION as a consumer reporting agency for not exercising their grave responsibilities of reporting information with fairness, impartiality, and a respect for consumer privacy. They lack impartiality & fairness by continuing to report DISPUTED transactions on my consumer report. The violation continues by not respecting my right to privacy as a consumer by reporting information solely as to transactions/experiences involved by the person creating the report and I the consumer as stated in 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ).

In conclusion Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ) Consumer reports EXCLUDE any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I didnt give anyone authorization to furnish a report on me involving the extensions of credit Im disputing.

I dont consent to the fraud taken place. Im being violated and my rights as a federally protected consumer are being taken advantage of.
Consumer complaint received 2022-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (KY)

My father whom I share the same name with has stolen my identity and was been opening up numerous account of various types over the last several years. I have filed countless police reports, however the problem continues because I do not know where he is located. All I know is that he lives somewhere in Florida. 

Midland Credit Management has sent me some very threatening letters and voicemails in regards to suing me for accounts that are not mine. There are five account with different amounts, which include : XXXX XXXX  for the amount of {$370.00} XXXX XXXX for the amount of {$650.00} XXXX XXXX  for the amount of {$660.00} XXXX XXXX for the amount of {$9900.00} XXXX  for the amount of {$1100.00} The original creditor for the above mentioned accounts is XXXX XXXX. I have reached out to them numerous times to let them know that this matter is identity theft, however they do not believe me and sent these fraudulent accounts to collections with Midland Credit Management.
Consumer complaint received 2015-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WY)

( Please reference these case numbers ; XXXX,XXXX,XXXX ). 

On XX/XX/XXXX we contacted XXXX XXXX, a point of contact through Wells Fargo requesting a copy of our amorterzation schedule. We have been paying our trial payments since XX/XX/XXXX. They have made promises to get us information, but then with hold it. 
If Wells Fargo ca n't tell us what is in our modification how can we as troubled borrowers feel we are getting a fair process to avoid foreclosure at this time.
Consumer complaint received 2021-01-25
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. (PA)

I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.
Consumer complaint received 2015-05-15
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In XXXX 2015 the minimum payment on my credit card was {$270.00}. I paid {$300.00} and did not make any purchases, etc. on the card. As I understand it, {$270.00} should have gone toward the interest and the principal of the lower interest rate ( 9 % ) and at least {$24.00} should have gone to my highest interest rate of 16 %. When I look at my statement from XXXX and my statement from XXXX, though, the balance actually increased for the amount being charged 15.99 %. I called Bank of America XXXX times and spent more than an hour on the phone. The XXXX rep told me it was because I had underpaid XXXX month ( I did not ), the next call I got disconnected and the XXXX transferred me to a line that was supposed to have voicemail, but rang for more than 3 minutes without being picked up.
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

I have a public record ( judgement ) that I paid and had released and vacted for naught. I provide the XXXX major credit reporting agencies a signed document from a XXXX county judge that this judgement was null and vacted for naught. which means it does n't exist. XXXX and XXXX deleted the above referenced public record from my credit report. Equifax on the other hand continued to report but changed the status to satisfied which is incorrect since this judgement is vacated and further ordered that the judgement be dismissed