davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I've been talk to Select Porfolio Servicing , Inc. several times to get help for my property but it continued foreclosure on my property. I did submitted another Assistance Program Application, it's currently under review. I talk to XXXX on XX/XX/2021, she said that the account will send to the attorney on XX/XX/2021 to foreclosure. I submitted complete Assistance Program Application on XX/XX/2021. I call SPS back on XX/XX/2021 talk to XXXX, she said the the foreclosure is on hold until XX/XX/2021. 
I call back today XX/XX/2021 to make sure that the foreclosure is still on hold, I talk to XXXX from Utah, he said that he's not sure the foreclosure is on hold and he transfer me to his manager. The manager name XXXX XXXX XXXX said that SPS do not have the exact time line after tomorrow and the foreclosure action is pending and SPS can foreclosure my property anytime they want. 
My property under protection of this Senate Bill No. 91. 
Senate Bill No. 91 CHAPTER XXXX An act to amend Sections 789.4, 1942.5, and 3273.1 of, to add Sections 1785.20.4, 1788.66, and 1942.9 to, and to add and repeal Section 1788.65 of, the Civil Code, to amend Sections 116.223, 1161.2, 1161.2.5, 1179.01, 1179.02, 1179.03, 1179.03.5, 1179.04, 1179.05, and 1179.07 of, to amend the heading of Chapter XXXX  ( commencing with Section 1179.01 ) of Title 3 of Part 3 of, to add Section 1179.04.5 to, and to add and repeal Chapter XXXX ( commencing with Section 871.10 ) of Title 10 of Part of, the Code of Civil Procedure, to amend Section 925.6 of the Government Code, and to add Chapter XXXX ( commencing with Section 50897 ) to Part 2 of Division 31 of the Health and Safety Code, relating to tenancy, and making an appropriation therefor, to take effect immediately, bill related to the budget. 

[ Approved by Governor XX/XX/2021. Filed with Secretary of State XX/XX/XXXX, XXXX ] And the Assembly Bill No. 832. 

Assembly Bill No. 832 CHAPTER XXXX An act to amend Sections 789.4, 1788.65, 1788.66, 1942.5, and 3273.1 of the Civil Code, to amend Sections 116.223, 871.10, 871.11, 871.12, 1161.2.5, 1179.02, 1179.03, 1179.03.5, 1179.04, 1179.05, and 1179.07 of, to amend and repeal Section 1161.2 of, and to add and repeal Chapter XXXX ( commencing with Section 1179.08 ) of Title 3 of Part 3 of, the Code of Civil Procedure, and to amend Sections 50897, 50897.1, 50897.2, 50897.3, and 50897.4 of, and to add Sections 50897.2.1 and 50897.3.1 to, the Health and Safety Code, relating to tenancy, and declaring the urgency thereof, to take effect immediately. 

[ Approved by Governor XX/XX/2021. Filed with Secretary of State XX/XX/XXXX, XXXX ] I need your help to stop the bank foreclosure on my property. Thank you so much!
Consumer complaint received 2021-10-05
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. (GA)

I have previously filed a XXXX  complaint against TransUnion and XXXX because of unfair practices. They have repeatedly decreased my score by XXXX or more points when I am PAYING MY DEBT OFF. They continue to blame algorithms, but obviously these are incorrect. It makes absolutely no sense that a person should be punished for trying to eliminate their debt. They claim to give so many tips and tools that consumers can pay for to help improve their scores but when you follow these tips it backfires. My most recent change as of XX/XX/XXXX was decreasing the amount on a credit card by {$370.00} bringing my utilization from 98 % to 56 % and as a result TransUnion decreased my credit score by XXXX points. XXXX takes a few days longer to update but they are typically in sync with one another on changes and results. This pattern of punishment for payments has been taking place all of XXXX and beyond. There are several other instances of similar actions. 

I believe I am being discriminated against by these credit bureaus due to the diligence I pay to my report and my unwavering stance towards ensuring all information on my report is accurate. Additionally, I do not believe my previous complaints were sufficiently investigated to determine a root cause. I believe a side by side comparison of someone of the opposite race with fairly similar credit patterns would show a significant difference if score calculation. Furthermore, I believe there are different algorithms assigned to different demographics or groups of people. As I informed them previously, if their CEO had the exact same change to his credit as I most recently had, his score would sure have not decreased.
Consumer complaint received 2021-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC (MO)

This is a complaint against EQUIANT FINANCIAL SVCS. I already disputed an account from them before, under the same name with the same account number XXXX and it was deleted from my credit reports under XXXX. However, the same account re-appeared in my reports still under XXXX. I want this to be removed as it is very illegal to add on removed fraudulent accounts. Furthermore, I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out dispute/demand letters on the following dates, as well as filing disputes to the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance or obtain new lines of credit. I've been requesting for validation but had no responses. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified & they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. I feel I'm being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.
Consumer complaint received 2021-10-05
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: EQUIFAX, INC. (AR)

I have been showing three hard credit inquiries on my credit report with all three major credit agencies including XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, with Equifax credit reporting ... ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX  XXXX, XXXX, all with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX  XXXX  XXXX XXXX XXXX all with XXXX Credit Reporting Agency.I have never filled any applications out with these companies nor have I ever provided a authorized signature with any of these companies to run my credit as these need to be removed from each credit agency accordingly and in conjunction with the FCRA.Will you please help me get these removed from all three credit reporting agencies as I did not authorize any of these inquires? Thank you for your help and time in resolving these matters. XXXX XXXX
Consumer complaint received 2021-10-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2 (OH)

This debt collection agency on XX/XX/21 explained that they did extensive research in theyre data base, so I could providing true validity of this debt and couldnt come up with anything stating that I owe persolve or account resolution. Instead of taking it off completely from there theyve continued to make huge impacts on my credit by increasing the supposed debt every 7-10 day by + {$65.00}. Everytime I call they put me on hold and continue to say Im not in there system .Theyve responded to the FTC Credit bureaus by taking the regular persolve name off .Then just replacing with a one of there new names similar to the original, or blatantly taking the name off and putting it back on the the same day.
Consumer complaint received 2021-10-05
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. (IL)

I have been disputing directly with the credit bureaus, as well as with the original creditor on the way a charge off is being reported on my credit profile.The charge off is from a voluntary repossession. The account reported has multiple inaccuracies and inconsistencies that Violate my rights as a consumer. The way this has been reported improperly on my credit profile for the past 2 years, has hurt my ability to obtain new credit. I requested removal of this account after I noticed that the balance was factually incorrect. I asked the credit bureaus to complete a full investigation of the true balance of this account, everything came back as Verified, and my dispute was closed. I asked the original creditor to send me documents that support the balance that they are reporting, because I had gap coverage for this vehicle in my contract, furthermore the vehicle was sold at Auction in 2019 and I asked them to furnish me the receipt of sale. The creditor responded saying ( In Writing ) They had no way to alternate the way they report, and any discrepancies should be filed with the Credit Bureaus to dispute. I then went back to the Credit Bureaus and disputed the account ( this time with proof attached ) due to inaccurate monthly payment. The account has been closed for 2 years, but still shows a monthly payment due of XXXX XXXX The results came back as Verified, no changes were made, My dispute was closed. I even disputed online and attached proof to the dispute that my Term Length and being reported inconsistently between the 3 Bureaus, XXXX shows Monthly, XXXX48 months, and Equifax-bi-weekly. 
Still no changes were made. In fact, a credit dispute specialist Modified my dispute 's reason, so they would not have to reopen the investigation in light of the new information given. ( I have proof of this ). 
The credit Bureaus have failed to do a thorough and reasonable investigation, and simply parrot information from the Original Creditor. Even though, the Original Credit has been reporting inconsistently between them, and Inaccurate Information.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been disputing directly with the credit bureaus, as well as with the original creditor on the way a charge off is being reported on my credit profile.The charge off is from a voluntary repossession. The account reported has multiple inaccuracies and inconsistencies that Violate my rights as a consumer. The way this has been reported improperly on my credit profile for the past 2 years, has hurt my ability to obtain new credit. I requested removal of this account after I noticed that the balance was factually incorrect. I asked the credit bureaus to complete a full investigation of the true balance of this account, everything came back as Verified, and my dispute was closed. I asked the original creditor to send me documents that support the balance that they are reporting, because I had gap coverage for this vehicle in my contract, furthermore the vehicle was sold at Auction in 2019 and I asked them to furnish me the receipt of sale. The creditor responded saying ( In Writing ) They had no way to alternate the way they report, and any discrepancies should be filed with the Credit Bureaus to dispute. I then went back to the Credit Bureaus and disputed the account ( this time with proof attached ) due to inaccurate monthly payment. The account has been closed for 2 years, but still shows a monthly payment due of XXXX XXXX The results came back as Verified, no changes were made, My dispute was closed. I even disputed online and attached proof to the dispute that my Term Length and being reported inconsistently between the 3 Bureaus, Transunion shows Monthly, XXXX months, and XXXX-bi-weekly. 
Still no changes were made. In fact, a credit dispute specialist Modified my dispute 's reason, so they would not have to reopen the investigation in light of the new information given. ( I have proof of this ). 
The credit Bureaus have failed to do a thorough and reasonable investigation, and simply parrot information from the Original Creditor. Even though, the Original Credit has been reporting inconsistently between them, and Inaccurate Information.
Consumer complaint received 2021-10-05
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. (NV)

XX/XX/2021 i was under the impression that my mortgage payment was processed with XXXX XXXX. i was unaware until the following month XX/XX/2021 when i received a 30 day late payment notice 3 days after making the scheduled payment for that month. this prompted me to investigate what what could have happened so i checked my bank statement from the previous month and that was when i realized the payment had not been processed. i immediately make a second payment and called XXXX XXXX  to understand how this could have happened and to have the reporting removed.i spoke to XXXX XXXX who started a dispute and requested 3 months of my bank statements to prove i had no intention or reason that a payment could not be made. at that time i had an open dispute with XXXX. on XX/XX/2021 i received a resolution that it had been corrected. i was unaware it was also reflecting on my transunion and XXXX so i called back in to start another dispute on XX/XX/2021 and spoke to a woman ( did not get her information ) and she told me it would be corrected and removed by XX/XX/2021. since then i have called XXXX a number times and have been left on hold for more than 2 hours by one rep. and been brushed off by a number of others. now they are refusing to remove the incorrect reporting from transunion and XXXX. this has destroyed my credit to the point that my credit cards have all been cut to XXXX limits and i can not refinance my house because of the drop in my credit score. i have exceptional payment history on all of my open accounts. this missed payment was in error i believe to the website being under construction at the time of the missed payment. in either case when i was aware a payment had been missed i paid it immediately. i dont know how to prove a website error so i am requesting a goodwill adjustment. i ask for consideration especially in these time where so many have deferred or defaulted alltogether. i am a good paying customer and i intend to keep it that way.
Consumer complaint received 2021-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

To whom may concern This is a notice of default and opportunity to cure for Midland Credit Management Inc. as the affidavit sent in support of my claim was not rebutted and my demands in the cease and desist were not met. This is an opportunity to settle this dispute by acting in good faith by providing my request of remedy due to the wrongdoings done against me. 
You failed to respond my request, which is a FDCPA violation, and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation and other several violations in the exhibit A ( attached ) Not only they ignored my prior requests for validation of debt included in the cease-and-desist letter ( proof attached : receipt copies or letter copies ) but they continue to report this debt to the credit bureaus causing damage to my character. 
These two certified letters, receipt number : XXXX Delivered : Thu, XX/XX/XXXX, XXXX PM and XXXX Delivered : Thu, XX/XX/XXXX, XXXX PM was to formally advise you that I believe your company has violated my consumer rights in the following ways. 
Specifically, you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation As you certainly are aware, " Admission by Silence '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. 

( Letter attached sent to you previously ) Pursuant to 15 USC 1692c ( c ) I am notifying them in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums.

Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account Deletion from all consumer reports. 

I will reproduce an invoice and send it to your company with Federal violations due to me by your company if you don't comply with my remedy
Consumer complaint received 2021-11-23
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. (TX)

XXXX XXXX company has reported 3 late payments on my account to the credit bureaus ( 30,60,90 days ). For the months of XXXX, XXXX and XXXX of 2022. This information has completely ruined my credit and made me miss on the opportunity to get credit to buy a house, I have never been delinquent on this account, my payments have been made on a timely manner, however XXXX XXXX  still wrongfully reporting my account as past due.
Consumer complaint received 2021-11-23
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. (TX)

XXXX XXXX company has reported 3 late payments on my account to the credit bureaus ( 30,60,90 days ). For the months of XXXX, XXXX and XXXX of 2022. This information has completely ruined my credit and made me miss on the opportunity to get credit to buy a house, I have never been delinquent on this account, my payments have been made on a timely manner, however XXXX XXXX still wrongfully reporting my account as past due.
Consumer complaint received 2021-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

Citi is confusing me as to whether or not I will be assigned a fee, and how it can be offset. A minimum balance is not what I will keep. A deposit and bill pay is what I've tried to arrange, though whether or not the bill pay is qualified remains guesswork. While told the billpay must be in the form of a paper check, a payee changed its policy and would only accept a debit card payment. One credit card is linked to the bank. I've requested the paper check be issued to the card so the billpay will be qualified and a surprise fee does not continuously appear. When configuring the billpay to one that is paperbased, following much stress and hassle by associates confusing me as to whether or not the billpay could be set up, guesswork as to whether or not the credit card linked with the checking account will qualify remained intact. For the XXXX - XXXX statement, no fee was assigned, confirmed by chat, yet past experience has taught that what is communicated through chat can not be trusted in terms of whether or not the bank will impose a fee that can leave the account delinquent to any debit payment. For the upcoming statement, I can not reconfigure the payment to one that is paper based, it is set for electronic, leaving guesswork as to what the bank will do. Calling in or chatting does not inspire confidence that another surprise fee will present, or policy regarding electronic or paper based payment results in being considered qualified. Would the bank clarify its policy for billpay through this complaint forum? I can not keep the account open if continuously guessing as to what the bank will do, and will not be meeting the minimum balance requirement, as already stated here.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX and XXXXXXXX XXXX  XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.