davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Dear Sirs : Ive been with SPS since XXXX and have made payments online for that same amount on time. Since Covid-19 began, Ive noticed that in XX/XX/XXXX, SPS advertised a mortgage relief program for people who were affected with COVID-19 Assistance to the borrower on your SPS website. In XX/XX/XXXX, I was laid off due to COVID-19.

I specifically asked for a COVID Relief Assistance because I was laid off due to COVID-19. I was told I was approved for the COVID-19 Forbearance program and would pay {$390.00} a month, which I have paid on time. I started payments on XXXX of XXXX of XXXX. I have disputed this with SPS many times and I get no where with them. They are purposely ruining my credit, showing late payments, so I can not refinance. I am being held hostage! They are lying to the credit companies and telling them my payments were late and they were not. 

I accepted that offer of assistance. However, now that Im trying to refinance. I ran my credit report and I found that I am 4 months behind. Which first of all, violates what I was promised. I was reported late. Second, I spoke to representatives, XXXX and XXXX. They confirmed that I am in a COVID-19 program. I should have NOT been reported as " late payment '' to the Credit Bureau because I was affected due to COVID-19. I would have never done this program if you had told me that I would be reported to the credit bureau.

Finally, SPS is receiving government funding. As a requirement of receiving this funding, you are not to report the forbearance or any late payments! In my letter requesting this, I even mentioned that this was due to COVID-19 and I can use this as evidence. They have broken the agreement. I want to report this to the Attorney General, to Customer Financial Protection Bureau, and to the Federal Bureau Investigation, to have them investigate whether or not SPS has broken any federal laws. 

I have contacted XXXX, XXXX XXXX XXXX ) and many other managers at SPS and have agreed with me that this was a COVID forbearance and should have never been reported to the credit bureau. Your website even says you will not be reported. 

I have seen the written complaints that others have with SPS and I am thinking of getting an Attorney to start a CLASS ACTION LAWSUIT against SPS. You have caused many other home owners stress and anguish! 

XXXX XXXX XXXX XXXX XXXX Thank you very much for your help and please contact me with any questions. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-08-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alliance Recovery Group (FL)

XX/XX/2021 : I was contacted by a " private number '' and did not answer. When I retrieved the voice mail they left it stated it was from a firm attempting to file a case against me in my county regarding a " dispute over a broken contract ''. I called back the number left by the caller and an XXXX XXXX answered. I asked what this was in regard to and again got a very vague response regarding a broken contract dispute. I was only given the information about said dispute after providing the last 4 of my social. She stated it was due to a payday loan with XXXX XXXX XXXX. I have been the victim identity theft in the past and am therefore very careful about calls such as this. I asked the name of the company and was given Alliance. I asked for written proof of the contract that was said to have been broken or of the loan itself and was told that since this is not a " collection activity '' that does not have to be provided. This is against the Fair Debt Collection Practices Act. They also threatened to contact my employer and family, send their " compliance officer '' to locate me at " every possible location '', and ruin my credit. 

XX/XX/2021 : Received an almost identical voice mail from another private number, this time the caller identified themselves as XXXX XXXX. Did not call back.
Consumer complaint received 2021-08-12
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: Experian Information Solutions Inc. (CA)

I reached out to Experian on XX/XX/2021 regarding and Account/Account number, and hard inquiries that should not be on my report because it is not mine. This is fraud and should be removed. I submitted a letter, along with an affidavit to them. I tracked my package and it was received, however they ignored my demand for removal, and did not send me any information. They violated several of my consumer rights under the FCRA XXXX.
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery Management Solutions LLC (MN)

To whom concerns, My name is XXXX XXXX and I been recovering repeated phone call from the above phone number with in Minutes. Also the Debt Collector calling a family member asking her to return the call. Leaving a voicemail on a 3rd party cell phone. This is harassment and violation of the FDCPA. The 3rd Party call me worried about someone calling and trying to locate me when they have my phone number and address. The reason I didnt answer is because my phone identified the number as a spam risk. Plus I work. I have records of all the information by your request. I have only received 2 messages from the girls calling me. The 3rd part phone number she call was XXXX.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the information reported on my credit report regarding account number XXXX. According to the information provided by XXXX, the account was sold to XXXX XXXX. However, after careful review, I believe discrepancies in this account 's reporting warrant investigation. On or about XX/XX/2022, XXXX purportedly sold account number XXXX to XXXX XXXX XXXX. XXXX indicated that the account was charged off, and {$10000.00} was written off as bad debt. It is crucial to note that XXXX relinquished its rights to this debt upon the sale of the debt to XXXX XXXX. XXXX can not sell an account and maintain a tradeline simultaneously on my credit profile. Including the tradeline on consumer reports makes it Inaccurate and Incomplete and violates the FCRA 's proper reporting. I am being penalized twice for one offense, which is tantamount to Double Jeopardy in criminal law.
Consumer complaint received 2021-08-12
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: Bread Financial Holdings, Inc. (MD)

second contract was open less than one month after the initial contract. XXXX credited all late fees and credited the second account. XXXX XXXX XXXX still shows hard inquiry and late payments. XXXX has sent letter and I forwarded the letter from XXXX also but it shows late payment. 

On the vacation club for Comenity Capital bank the same issues show on XXXX credited all late fees and report shows late payments I would really like this corrected because this has been an ongoing issues since XX/XX/2020.
Consumer complaint received 2021-08-13
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021 I requested validation of an item on my credit report. It came back as verified and I never received any proof of such validation. I requested again XX/XX/2021 and have not received a response from XXXX  nor Wells Fargo in regards to the incorrect item on my report. According to 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they had in their file to verify the information. They have continuously failed to provide such instruments.
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In the process of trying to buy a house and just found out about this debt. The company that owns the debt stated that I had to file a report and send it to the dispute department. They said once they get this they will start an investigation. 

Apparenty it is XXXX XXXX  for a XXXX  XXXX Credit Card - I have not ever applied for or had a XXXX  XXXX Credit Card.
Consumer complaint received 2021-08-13
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. (MD)

On XX/XX/2021 I sent a dispute of items that were alleged to belong to me to XXXX, Equifax, and XXXX. It has been past the 30-day time frame outlined in the FCRA 611 ( 15 U.S.C. 1681I ). This is unacceptable I and this inaccurate information is staining my credit report, which I've worked hard to build. I'm not sure, but the alleged items could be linked to the Equifax data breach are. I would like this information removed immediately per the law or I will instruct my attorney to proceed with filing litigation to remedy this problem.
Consumer complaint received 2021-07-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc. (NV)

My mother owns the home. Got behind due to Covid lost job. My dad lost life to XXXX. My moms house defaulted as a result. We were told we were protected by the moratorium in place. When I went to sign closing docs they added {$33000.00} in unpaid fees and interest and {$10000.00} in penalties. The bank statement itself says we owe {$15000.00} to be current. I was told they are violating regulation Z by Legal Aid of Nevada. BSI Financial Services also told me the moratorium does not apply to them they are private investors. They said they will not reduce any of the fees. Even though we were effected by the pandemic. The fees are compounded at 18 %. Also when my parents signed they were not aware of what they were signing my dad had XXXX, is a veteran and they were both XXXX and XXXX at time of signing. I want to resolve this as quick as possible. If they will honor what it says on their bank statement of {$15000.00} I will agree to pay that. Id like the prepayment penalty waived due to extenuating circumstances beyond our control. Thank you
Consumer complaint received 2021-07-28
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: RS Clark and Associates, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... RS CLARK ASC ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (GA)

XX/XX/2021 Equifax today forced me to enroll in their XXXX XXXX program as a condition of being able to log in to my existing account. 

This is a change from before, where I could manage my account online without this condition. They also didn't sufficiently describe this process, but I do lose 6 free credit reports. 

I called to ask them to remove me from the XXXX XXXX program and was told that I would then lose online account altogether. This was also not disclosed when I was automatically enrolled in the XXXX XXXX program.
Consumer complaint received 2021-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SinglePoint GI (MD)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX  Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Consumer complaint received 2021-08-13
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. (PA)

Two months ago I sent you a letter regarding inaccurate things on my credit report but I until this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Consumer complaint received 2021-08-13
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. (OR)

To Whom This May Concern, Over 30 days ago I sent a certified letter to XXXX XXXX XXXX and demanded they hand over the source of information that validates my obligation to the debt. They did not respond yet I saw the information posted to my credit report recently. My rights under FCRA don't permit such unlawful action. As you XXXX now know, I now have the legal right to sue in federal court. 

So either delete the information or I demand you to provide the source information that validates my obligation to the debt. 

I am hereby exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, account number XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

My identifying information is as follows : Date of Birth : XX/XX/1988 SSN : XXXX As proof of my identity, I have included my passport, mortgage statement, and tax transcript. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX
Consumer complaint received 2023-05-23
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. (AL)

In accordance with the fair credit reporting act : XXXX  XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX ; has violated my rights 15 U.S.C 1681 section 604A states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Since XX/XX/XXXX Ive been trying to get Experian to report only accurate information to my credit report. 

On XX/XX/XXXX I submitted a complaint to the CFPB about Experian. The complaint was about Experians unfair credit reporting methods and their negligent noncompliance or willful noncompliance with the law regarding XXXX XXXX XXXX XXXX XXXX as a collection account on my credit report. 

On XX/XX/XXXX Experian deleted XXXX XXXX XXXX XXXX XXXX as a collection account from my credit report. 
On XX/XX/XXXX Experian was reporting the following collection account XXXX  XXXX XXXX XXXX XXXX as a collection account on my credit report. This is the same account sold to a different debt collector and added to my credit report again. 

I submitted a complaint to the CFPB about Experian and the account was deleted from my credit report. 

As of XX/XX/XXXX Experian is reporting XXXX  XXXX XXXX XXXX XXXX as a collection account on my credit report, and it is being reported by collection agency XXXX  XXXX  XXXX  account number XXXX whose mailing address is XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX. 
As you can see this is the same account being sold to different debt collector. Since this is the same account that was already disputed and removed from my credit report, I am demanding this account be immediately deleted from my credit report.
Consumer complaint received 2021-08-13
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX  ACCT # XXXX ... XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX ACCT XXXX XXXX ... XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX ACCT # XXXX ... XXXX ACCT # XXXX ... that are listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC (NC)

I constantly dispute these accounts in questions and I am not provided anything showing these accounts belong to me yet they are sold over and over again to companies that post them to make it seem like I just opened the account last month. These companies did not provide me any information in the form of a letter that they were putting these things on my credit report which they are required to do. I don't understand how they are able to report these accounts on my credit that are not accurate and make it seem as if I incurred this debt last month. 

Reported by XXXX  : XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) XXXX XXXXXXXX Opened : XX/XX/XXXX Amount {$230.00} ( Please provide proof this account belongs to me and that it was opened XX/XX/XXXX. ) Original Creditor : XXXX XXXX XXXX ( XXXX XXXX is based in Oklahoma where I lived in XXXX and, moved and, haven't lived there since XXXX How could I have opened an account last year? ) XXXX XXXX XXXX  ( also known as XXXX XXXX XXXX ) Opened : XX/XX/XXXX Amount : {$120.00} ( Again Oklahoma Business stating I opened and account in XXXX and I did not live there. ) Original Creditor : XXXX XXXX XXXX XXXXXXXX ( Did not live in Oklahoma in XXXX ) I would like all the companies above to remove these accounts from my report and stop reporting inaccurate at this point fraudulent information for years this has been going on. 

Reported by XXXX  : XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$840.00} ( This doesn't belong to me was never provided proof after asked several times that this account belongs to me ) Original Creditor : XXXX  XXXX XXXX ( They never reached out to me about this, I don't know what this is and this does not belong to me I need It to stop being reported and removed immediately. ) Enhanced Recovery CO XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me what they are reporting is completely inaccurate and needs to be removed ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) Again I need these accounts to stop being reported and to be removed immediately Unless I can receive physical proof that these accounts in question were opened by me on the dates these companies are reporting.