davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-17
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Select Portfolio along with XXXX and XXXX are attempting to collect on a debt/foreclose on subject property ( XXXX XXXX XXXX XXXX XXXX illegally. The first problem, SPS does not know, nor have they verified the current and rightful owners of the property. Therefore, they are foreclosing in the wrong Homeowners names, while failing to serve the rightful owners of the property, prior to advertising a foreclosure sale. SPS, Inc claims to work on behalf of XXXX XXXX XXXX XXXX XXXX  XXXX ( the alleged creditor ). XXXX and XXXX claims to work as a Power of Attorney for The XXXX XXXX XXXX XXXX XXXXXXXX on behalf of SPS. However, XXXX has claimed on several occasion that their firm does not own the property or the loan. Per the Supreme Court of Georgia, only the secured creditor can foreclose. The XXXX XXXX XXXX XXXX XXXXXXXX is not the secured creditor, nor have they invoked SPS or XXXX and XXXX to collect a debt. We also had a Licensed Financial Private Investigator cross reference our findings please see attached. SPS has also instructed our homeowners ' insurance company to discontinue our decade plus old policy. Please see attached. SPS and XXXX and XXXX are engaging in illegal and fraudulent activity that is causing irreparable harm. We the rightful owners of the subject property have retained legal counsel. SPS, Inc refuses to acknowledge or communicate with legal counsel, hired to amicably resolve all matters surrounding the account. SPS, Inc in connection with XXXX and XXXX are attempting to sell illegally converted stock instruments, represent entities that have no interest in the subject property, perform an illegal foreclosure, theft by taking personal property, false and misleading representation, ignore homeowners counsel while interfering with their constitutional rights through deception, theft and fraud.
Consumer complaint received 2022-03-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

In XXXX I did a forbearance with Lakeview LoanCare LLC and I was harassed my phone calls, emails, certified mail and regular mail from this company stating I would lose my home if I did not make a payment. I have proof that I made mortgage payments the entire time that I was on forebearance even though by law I was not required to do so. Even at the end of my forebearance my mortgage payment was never behind nor missed. I have never been late on my mortgage payment. I was harassed by Lakeview Loancare to the point where I was afraid, stressed and depressed the entire time I was under the forebearance all due to the fact that this company emailed, called, sent letters stating that I would lose my home if I did not make mortgage payments. I would call the company ask them to stop harassing emails, calls and mailers when I did this I started receiving certified mail from the mortgage company threatening to take my home if I did not make payments to them. I would call have them to check my account to make sure that they were receiving and applying my many many payments correctly because there was no reason for be to harassed for payments while under forebearance and everyone I spoke with say where I was making payments and saw that I was under forebearance but no one could explain why I was being harassed for payments by the mortgage company. I would speak with supervisors have them to check my account and them to spend me payment history statements and nothing absolutely nothing and no reason reflected under the forebearance why I was being harassed by this company. The harassment finally stopped after I threaten to sue the company for harassing me.
Consumer complaint received 2018-09-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: PNB INTERNATIONAL INVESTMENTS CORPORATION (CA)

I have some concerns about the information that XXXX XXXX XXXX ( XXXX  ) is keeping on their website. I was surprised that they are using security questions that are not appropriate. They are using information about me that were not provided by me. I have done business with the company for several years sending money to my family in the XXXX, but have been really concerned now about how much data they have about me. I would like that this company, XXXX ( or XXXX XXXX XXXX ) to remove all information about me on their servers. I do not intend to use their service any longer. Thank you.
Consumer complaint received 2022-03-17
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (HI)

In XX/XX/XXXX, I requested and was approved for a mortgage forbearance under the CARES ACT with my mortgage company, XXXX XXXX XXXX. It was my understanding that my account with XXXX XXXX XXXX  while in the forbearance would remain in good standing and not affect my credit score/report. The forbearance period I was approved for was XX/XX/XXXX through XX/XX/XXXX and requested and approved for the balance of the amount owed during the forbearance period be deferred to the back of my loan. I resumed my regular, consistent monthly mortgage payments in XX/XX/XXXX. 
In XX/XX/XXXX, I inquired about re-financing with a local mortgage broker and was told that my XXXX XXXX XXXX  account was appearing on my credit report as delinquent and showed an inconsistent payment history, mainly during the approved forbearance period and subsequently thereafter. It is apparent that XXXX XXXX XXXX  have been incorrectly applying my monthly payments and had failed to recognize the period of forbearance. Upon learning this I contacted XXXX XXXX XXXX  on XX/XX/XXXX and opened a credit dispute. I have been in contact with XXXX XXXX XXXX  on many occasions since then and have been continually told that my credit dispute is being " worked on ''. On XX/XX/XXXX I opened a credit dispute with XXXX. The results of XXXX 's 'investigation ' deemed a correct reporting, which is totally false. I am currently awaiting the results of open credit disputes with XXXX and XXXX. 

In summary, it is my understanding that under the CARES ACT any amounts owed during a mortgage forbearance period should NOT negatively affect my credit score/report. XXXX XXXX XXXX  has acknowledged this to be true yet I am still waiting for my credit report to be rectified and reflect an account in good standing, with regular on-time monthly payments. Because of this I was unable to pursue other beneficial financial opportunities and feel this is extremely unfair and careless on XXXX XXXX XXXX XXXX part. 

I am humbly requesting some assistance with my situation. I also believe there are many others experiencing this same problem ( s ).
Consumer complaint received 2022-03-17
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. (MS)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.
Consumer complaint received 2022-03-17
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now
Consumer complaint received 2023-08-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK (NY)

Was accepted for a Covid deferral back in late XXXX. 
Since early XXXX I Went to get off it and refinance the deferral? I started making payments again. I signed the contract and a couple of days later was contacted by the mortgage company as to a problem with a secondary XXXX from the USDA on my primary that hadv to do with my wife 's separate farm property which my mortgage company already had a subordination agreement from previously. They requested a new subordination agreement from them. Since the farm was up for sale, I went back and forth with everyone about this until the farm was actually sold in XXXX of XXXX. Turns out he USDA filed the lien releases on the farm but not on my primary residence. I received the secondary lien releases for my primary property and filed them in XXXX of this year. Since then I've gone back and forth with the mortgage company about a single equipment lien that they admit they have but because it doesn't have a certain number on it. I've traveled to the county courthouse 5 times and was assured the lien in question was discharged.

Still a problem. I applied to the mortgage company to have the USDA Farm loan officer speak as a third party but they denied it. ( He also spoke with the courthouse previously to assure the lien was discharged ) I told them I would complain to the Congressional office and the next day I received notice it was cleared up, i called and to verify that it was? I received a a new contract ( at almost twice the interest rate then when i started this whole process? which I signed and sent back. 
Only to receive a call again about the title problem. 
And here we are again.
Consumer complaint received 2022-03-17
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now
Consumer complaint received 2022-03-17
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA (AZ)

I traded in my XXXX XXXX for a XXXX on XX/XX/XXXX. The payoff was done late by the dealership causing a negative mark on my credit and over XXXX points being removed. XXXX corrected the problem partially. I should have my XXXXpoints added back plus points for the payoff. In addition the account should be shown in a positive not negative way like it is. Account was paid in full due to a trade in.
Consumer complaint received 2022-03-17
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE im XXXX  now
Consumer complaint received 2022-03-17
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (GA)

A collection was filed on behalf of XXXX XXXX XXXXXXXX XXXX around XX/XX/XXXX. This was for maintenance fees for a times share, not a loan, We had attempted to return it to XXXX as we could no longer afford it and they refused. They reassigned this to another company in XX/XX/XXXX, Monterey Financial. They filed a collection in XX/XX/XXXX severely dropping my credit score. Company info is : XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX My understanding is that the same collection should not be filled twice by different companies.
Consumer complaint received 2022-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MI)

I am not swayed that XXXX and XXXX has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both XXXX and the creditor. Make sure to explain the outcome of your investigation about this account with I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report.

Failure to do so is a violation of my rights.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

TO BOTH EQUIFAX AND XXXX I HAVE BEEN DISPUTING THIS ISSUE WITH BOTH EQUIFAX AND XXXX SINCE 2020 ... YOU ARE NOT A CREDIT BUREAU. You are buying and selling information which is against my individual right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction NO further verification or investigation is required you broke multiple laws and i'm not going to take time out of my day to continuously repeat myself... YOU THE CFPB ( Consumer financial protection bureau ) needs to hold these agencies accountable Both EQUIFAX AND XXXX XXXX NOW. I will bring litigation in regards to this matter are it is very clear laws are being broken. 

DELETE THE FOLLOWING PUBLIC RECORD : XXXX XXXX BANKRUPTCY - XXXX XXXX XXXX BANKRUPTCY - EQUIFAX these are clearly inaccurate and i've already previously disputed numerous times and have came back as verified by the BOTH of you. 

15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction or consent furthermore DELETE THE FOLLOWING EQUIFAX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX