davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

To whom it may concern on XX/XX/2020 Select Portfolio Servicing ( bank ) granted a 90-forbearance due to covid 19 hardship. Reduction in hours, school closures, office shutting down etc. During the forbearance period starting on XX/XX/2020 ending XX/XX/2020 o payments were due. However Only XX/XX/2020, Select Portfolio Servicing, then reported to the 3 credit bureaus that my mortgage account ( which they no longer had ) was over 60 days past due. THIS IS NOT THE CASE, under the Federal guidelines, NO NEGATIVE REPORTING WAS TO BE DONE TO CREDIT AGENCIES DURING THE FORBEARANCE. ( from Select Portfolio Servicing ). 
I contacted SPS, they told me they no longer have account information and would not take back the negative credit report. After several failed attempts with SPS ( select portfolio servicing ) to fix my credit report, I then contacted XXXX, and disputed this issues 3 times with them each time submitting documents that prove that SPS fraudulently reported 60 days past due on my credit even though a forbearance was in place. I received a letter back on XX/XX/XXXX from SPS admitted they reported incorrectly and would fix it, they never did. I supplied XXXX with these documents and now my credit report is even further damaged, it now shows incorrectly that I was 60 days past due on my SPS account in XXXX of 2020 even though i did not have that account open as of XX/XX/2020. Select Portfolio Servicing has broken federal guidelines during a forbearance and still as of today XX/XX/2020 has still NOT fixed my credit report.
Consumer complaint received 2023-03-03
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (MD)

The mortgage servicer SN Servicing Corporation has denied the review of Mortgage Assistance for XXXX XXXX XXXX. SN Servicing Corporation states that investor will not review XXXX XXXX XXXX for any loss mitigation assistance. However, no reason or written statement has been provided detailing the specific reason nor has any evidence been provided from Servicer, SN Servicing Corporation, that the note owner has approved this course of action. 

SN Servicing Corporation stated that they would attempt to provide assistance and review any Loss Mitigation Assistance options to prevent foreclosure. 

Despite being provided with an Offer to purchase property at fair market value, SN Servicing Corporation has instead set a sale date of XX/XX/XXXX. SN Servicing Corporation plans on proceeding with the foreclosure sale, rather than review our RMA application and or the offer for purchase. 

The actions of SN Servicing Corporation are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, SN Servicing Corporation violates the rule of RESPA AND ECOA, while failing to properly and timely provide with required documentation to complete modification and or provide Mortgage Assistance package, while discriminating against XXXX XXXX XXXX by not accepting said RMA application. 

SN Servicing Corporation stated that XXXX XXXX XXXX would be considered and eligible for a COVID-19 Forbearance plan and that XXXX XXXX XXXX would be entered into the plan on XX/XX/XXXX and payments as well as any foreclosure activity would be placed on hold. Instead XXXX XXXX XXXX received a notice of foreclosure sale scheduled for XX/XX/XXXX at XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is a clear example of the term Bait and Switch and consistent with the prohibited practice of Dual Tracking. 

SN Servicing Corporation violates the Governors Executive Order No. 20-04-03-01, this order remains in effect until the state of emergency is terminated and the health emergency rescinded. 

SN Servicing Corporation practices violates federal law ( 12 C.F.R. 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking.
Consumer complaint received 2023-03-03
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$38000.00} ; XXXX XX/XX/2023.
Consumer complaint received 2021-01-11
Product: Debt collection — Other 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: Rauch-Milliken International, Inc. (MA)

To the XXXX, I would like to make you aware of a situation involving the company XXXX. I had a membership agreement with them from XX/XX/XXXX - XX/XX/XXXX. I am a small business of one, I am XXXX years old, and I have never dealt with such a terrible company. 

I was under the impression that I was signing an agreement with a moral, righteous corporation. One which preaches " community '' and praises young entrepreneurs. I was sorely mistaken. 

When COVID-19 first hit MA ( where I reside ), a majority of my membership agreements were put on hold ( gym, et cetera ) due to the MANDATORY stay at home order from XX/XX/XXXX - XX/XX/XXXX. XXXX continued to charge me and thousands upon thousands of members although I could not LEGALLY go into my office and use their services. I asked them to pause my membership until I could LEGALLY go back into my office. XXXX refused. In fact, they didn't give me any reasonable concessions. The pandemic continued, and I as well as millions of small business owners were continually charged. I had to put a stop payment with my bank. 

It is worth noting that I filed a complaint with the Massachusetts Attorney General. The AG 'S office reached out to XXXX on my behalf, and they did not respond. 

Fast forward to XX/XX/XXXX, and they have now sent my debt to collections. The collections agency, named Rauch-Milliken International , Inc., has threatened to seize assets ( of which I have none, I am a XXXX-year-old rentee ), threatened lawsuits, and made me feel extremely uncomfortable, stressed, and freaked out in an already increasingly stressful situation with COVID-19. You have no idea what kind of additional pressure I feel. 

I'm not sure what can be done here, but the AG 's office instructed me to file a complaint with your office. 

Here is some literature on XXXX as of XXXX which is worth noting : https : XXXX https : XXXX It is not just me. It is many, many Americans and I'm sure international members that are feeling pressured, threatened, and intimidated by a multi-billion dollar company to pay rent in a global pandemic. It's also worth pointing out that XXXX, themselves, has not paid rent at some of their offices. 

I will attach the correspondence from the debt collectors below. 

I hope to hear back from you. 

Best, XXXX
Consumer complaint received 2021-01-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Professional Bureau, Inc. (TX)

I sent a debt validation letter on XXXX XXXX the company has failed to validate my debt. Instead they sent a list of medical records and procedures which I know is direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. I'm requesting to please delete this information from my credit file and cease all collection activities immediately.
Consumer complaint received 2021-01-11
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: Mortgage Research Center, LLC (NY)

On XX/XX/2020. 
I received an inquiry on my credit report that I didn't make. I reached out to the company, Veterans United and I was told I would be called back and I never heard back from anyone. I called two more times and my third time calling, my call was escalated to a supervisor. They supervisor couldn't find my name or information in their system. He asked If I was married and explained my spouse may have filled out an application and ( added ) my name to the application. After researching further, he found that to be true. My name was added to the application. However, I never authorized this company to run my credit. Adding my name to an application is permissible. However running my credit without my consent is not. I tried to resolve this matter by simply asking for a letter from Veterans United that would remove this inquiry from my credit report. However, the supervisor disregarded my request. Veterans United had no authorization or authority to run my credit without my permission or signature. After explaining all of this, they are refusing to correct this matter. I would like this inquiry removed from my XXXX  and XXXX  credit report immediately.
Consumer complaint received 2021-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (TX)

i should have nothing on my credit history except for 1 times a year payin taxes i have had id problems since i was a small boy ive never had a credit card and only 1 bank account and it is with XXXX
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

I am filing a complaint against Midland Funding for an account that they are reporting on my Credit Reports. I have been disputing the Validity and Accuracy of this account for several months and not only have they failed to correct the errors or provide proper verification that this is my account ; they have added this account back to my credit report without any notification and they've recently added the same account with a new account number to my credit report. Also, the Original Creditor that they are listing isn't even on my credit report. I am preparing to purchase a home and their actions will make it difficult, especially now that they are being malicious by adding another account, reporting this collection account as current and continuing to report false information. 

My Name is : XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Company the complaint is against : Midland Funding Account # : XXXX New Account # Recently Added : XXXX I have included : - Screenshots of the information being reported on my Credit Reports ( As of XX/XX/2020 ) - Letters that I have written to XXXX, XXXX and XXXX  ( Dated XX/XX/2020 ) - Letters that I have written to XXXX, XXXX and XXXX  ( Mailed XX/XX/2020 ) - Letter to Midland Funding ( Dated XX/XX/2020 ) - Letter to Midland Funding ( Dated XX/XX/2020 ) - Letter to me from Midland Funding ( Dated XX/XX/2020 ) - Letter to me from Midland Funding ( Dated XX/XX/2020 ) - Letter to me from Midland Funding ( Dated XX/XX/2020 ) - Letter to me from Midland Funding ( Dated XX/XX/2020 ) Thank you in advance. 
XXXX XXXX
Consumer complaint received 2023-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was alerted via text by a company called XXXX XXXX XXXX, the {$6000.00} personal loan papers were ready to sign. This happened on XX/XX/2023. I called the XXXX, CA branch and paid them a personally visit. I was told that the person I spoke to on the phone XXXX was not there. Just a young lady was at a desk behind a stack of papers. I asked her for the loan documents that were in my name and gave her my driver 's license to verify me. She refused. Said to call a number in Texas. I tried many times trying to get a hold of a XXXX without any satisfaction. This is part of a fraud series of events and is among one of 43 inquires for credit or loans by this fraudulent individual. I do not know the status of this loan but they at XXXX XXXX XXXX said that it originated on-line request with XXXX XXXX. I have made no dealings with XXXX XXXX or XXXX XXXX XXXX.
Consumer complaint received 2023-03-03
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. (SC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 
XXXX XXXX Balance : {$27.00} XXXX XXXXXXXX Balance : {$170.00} XXXXXXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$25000.00}
Consumer complaint received 2020-09-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PREFERRED CREDIT INC (TN)

Preferred Credit has continued to call us within minutes of each other to let us know our payment is late even during the grace period before its actually late. We let them know our payment would be late due to us  having a XXXX. Today on XX/XX/XXXX, they called twice in a row 3 minutes apart after already leaving a voicemail. Having worked in collections myself, I happen to know this is not legal. We have a XXXX   XXXX  and this has to stop.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

American Express I called to cancel a credit card and was told to switch to a non-fee card. 

I switched to the no fee card and in the process, auto pay was turned off. 

I received a statement and thought auto pay was still enabled and then subsequently was charged a {$29.00} late fee. 

I paid the statement balance immediately and requested a waiver of the late fee.
Consumer complaint received 2021-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (NC)

I was recently denied a credit card and when I reviewed my credit report I saw this fraudulent account on my credit files. I have never conducted business with the company reporting the debt Amerassist Ar Solution, XXXX {$1200.00}. This account is not mine and I have notified the credit bureaus that this account is fraudulent.
Consumer complaint received 2021-01-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

I never received a welcome bonus after I had opened a new HSBC account following the instructions stated on the flyer I received from the bank. Since I set up a qualifying direct deposits last XXXX, the bonus should have deposited by XX/XX/XXXX. I contacted HSBC last XXXX to check the status of the welcome bonus and provided all the information the HSBC agent requested at the time such as my personalized code.

When I contacted HSBC via a chat on Mon, XX/XX/XXXX XXXX -XXXX  GMT, an agent named XXXX has the following comments : " XXXX : As there is a concern already raised for you, I see there is a update from our team that they are unable to locate your application. '' I have an active HSBC checking account, which was opened with a personalized code for the promised welcome bonus. Thus HSBC 's inability to locate my application seems to be delaying tactic. If HSBC can't locate my application, it is HSBC 's fault and the bank should pay the bonus immediately but the bank keeps asking me to check back with them a few days later. I contacted them 3-4 times so far based on their recommendations. HSBC keeps stating that they need a further investigation, although they told me today that they are " not able to locate my application ''.
Consumer complaint received 2021-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have an account on my credit report that says i owe about $ XXXX in debt on an account that i never was aware of or that i never authorized. The report is now in collections. I just started to monitor my credit this past year in 2020 and its saying i been had this account i will ask that i have this account removed as soon as possible because it is having a huge negative impact on my transunion & XXXX  fico  scores and credit reports. This company can not possible say that it is me because i wasnt the individual who opened this account. Please help me with this process these creditors should not be reporting this incorrect information on my reports.
Consumer complaint received 2021-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (SC)

I tried to contact them to dispute this debt letting them know its not mines they sent me over the lease that was not my signature saying that I owe XXXX pulse interest of XXXX with a total balance of XXXX. However this debt is not mines.
Consumer complaint received 2021-01-11
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. (UT)

I have sent several disputes to each on of the credit bureaus : Transunion, XXXX  & XXXX and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes.
Consumer complaint received 2021-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2021-01-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (FL)

A company that claimed to be Upstart XXXX  contacted me on my cell informing that Ive been approved for a loan, but due to my credit history, the first installment would be due on the same phone call. Instead of withdrawing the funds from my checking account or debit card, I was told to purchase 2 gift cards in the amounts of {$250.00} and {$500.00}. Once the gift card numbers and PIN were provided, I was told the funds would be deposited into my checking account. After waiting for hours, no money was ever deposited. After calling the loan agent 15 times, he picked up on the 15th attempt and to make a long story short, asked more of me, in order to obtain a loan that I was never going to get. In the end, I was denied a refund from this company and denied a claim with my bank.
Consumer complaint received 2023-03-03
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-01-11
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. (CO)

On XX/XX/XXXX I mail a certified letter to Equifax stating that they are reporting something inaccurate. I sent along documents showing that the account is 100 % reporting wrong and got no response. The letter clearly shows this I've also received money back because of the inaccurate reporting. For two years from XX/XX/XXXX - XX/XX/XXXX.