davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TN)

I am requesting a 2nd independent review for a loan modification. I would like to be considered for a loan modification that does not consist of a balloon payment which is not in my best interest. I have monthly income. XXXX and XXXX borrowers have disproportionately received and are offered high cost, high risk mortgages such as balloon payments. Even though I am an XXXX XXXX in a predominately XXXX XXXX neighborhood, I know there are better options. I have friends that are not minorities in a similar situation that I am in that were offered much better terms from SLS/XXXX XXXX XXXX. 
I have asked you to call me on several occasions, since XX/XX/XXXX in regards to this loan. No one can explain to me to the loan documents that were sent. All I know is that it is a balloon payment. Your customer service reps tell me to contact my attorney. I have attached the letter from my attorney and he cant figure it out either. He told me to contact you. I have called on 6 different occasions and was informed a rep would call me back. On XX/XX/XXXX I called and was informed that your rep called me on XX/XX/XXXX. They claim the phone went to voicemail and they did not leave a message. How convenient. I checked my call log and do not have a missed call from the number. 
I requested a loan modification on XX/XX/XXXX. I sent in all the documents on XX/XX/XXXX. My attorney received a letter dated XX/XX/XXXX with an approved modification for a balloon payment. It does not make sense and the numbers dont add up which is why I was requesting a call back. You did not consider my income or ability to pay when offering the worst loan possible. You made a decision before I sent in financial documents. That is a travesty and the exact same thing that happened during the mortgage crisis of XXXX-XXXX. I am asking you to consider ALL modification options. I have income and have the ability to pay. We are in a pandemic and I would like to be considered for all options to keep my home.
Consumer complaint received 2019-07-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

My name is XXXX XXXX and I am facing a hardship and have not made my mortgage payment for 3 months and do no want to lose my home. I have visited with a housing counselor and advised I contact the CFPB because my loan has been transferred to a servicer I can get through on the telephone to see what my option are. We have sat in the office of my counselor for hours to no avail. I would like to have someone from PHH Mortgage Services to contact me to resolve this matter.
Consumer complaint received 2022-10-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XXXX I filed a dispute with Trans Union for inaccuracies to my XXXX XXXX XXXX that has been reported to my credit file. I received and email on XXXX stating that the information was accurate. I called Trans Union and spoke with a supervisor named XXXX. I asked for the source of their verification. XXXX stated that they use a third party to verify information but refused to provide the name of the third party. He insisted that I call the courts to get that information. The courts state that they do not report to any third parties so the only way to find out is through Trans Union. I believe that Trans Union has not investigated my complaint at all. Im seeking the name of the third party to verify.
Consumer complaint received 2020-05-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (NY)

on XX/XX/2020 I called Santander Consumer USA to find out options about my car loan and the debt since the call is recorded I explain the Telephonic Agent the situation that New Yorkers and the whole world about the Pandemic and the struggles to handle hardship financial matters how can be possible that they are charging interests and fees during pandemic? 

I had to sign another extension in order to get the account current, which in the mean time for 3 months all the interests an fees will impact financially the budget of my family and will be stuck in a loan that never decreases the level of debt how can that be possible for any parent to negotiate that unfair agreement during pandemic banks and corporations are hurting peoples credit in this unfair money game to the citizens of the united states of america
Consumer complaint received 2019-06-18
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XX/XX/XXXX {$5400.00} XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XX/XX/XXXX {$840.00} XXXX XX/XX/XXXX {$4300.00} XXXX XX/XX/XXXX {$1400.00}
Consumer complaint received 2022-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (OH)

Halsted has been repeatedly calling from different numbers about a debt that is not mine. They has also contacted random people on my phone contact list and shared information with them. 

Reported to social media, strangers, and more.
Consumer complaint received 2021-05-01
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)

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. XXXX  XXXX XXXXDischarged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.
Consumer complaint received 2022-05-18
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-17
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. (MO)

I been a victim of the dark web, along with losing my identification and ssn card years ago. I'm demanding that these unauthorized accounts be blocked from my credit file. 

[ 1 ] XXXX XXXX XXXX/XXXX  {$7300.00} [ 2 ] XXXX XXXX XXXX {$3000.00} [ 3 ] XXXX XXXX XXXX/XXXX   {$5400.00} [ 4 ] XXXX XXXX XXXX  {$3900.00} [ 5 ] XXXX XXXX XXXX  XXXX [ 6 ] XXXX
Consumer complaint received 2021-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (WA)

After fifty ( 50 ) years of having an account with US Bank, someone changed my mailing address without discussing the matter with me. Furthermore, there's no notes/documentation as to when this happened, who did it, as well as no rationale as to why the change was made in the first place. Reps/supervisors that I spoke to tried to make me feel and think that this is the norm. I can't think of any other industry/business where this would be legal. 
Sadly, they ignored my stress and frustration. And, I specificially requested the statement that covers XX/XX/2021 - XX/XX/2021 which has the XXXX, WA address. No such luck, even though I reminded them that I never authorized an address change nor did anyone indicate to me that an address change was necessary XXXX no rationale ). 
The address change was brought to my attention on XXXX by US Bank rep named XXXX. He stated that he would reinstate my XXXX, WA asap. That never happened, no accountability. Also, a rep at the XXXX # informed me that she would send me a copy of the statement dated XXXX, with the XXXX address and if I needed a copy sooner, I could just go into the nearest bank and request a copy with the info in tact. I went to the nearest bank XXXX XXXX & XXXX XXXX but the changes were not noted. She made no notations/documentations regarding our conversation. Later, XXXX stated that this lack of documentation was not unusual. 
I spent an hour and a half on my cell phone trying to resolve the problem, no luck. To add insult to injury, at no time did the manager of the bank asked if I needed any assistance. This reflects the best services that I can get after being a customer for fifty years.
Consumer complaint received 2020-05-16
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. (TX)

I have documentation from the creditor regarding the account with XXXX XXXX XXXX that the balance reported, payment history and date of last activity is inaccurate. The bureau continues to use an electronic system to verify the account without performing a lawful investigation as outlined in the FCRA. The account is updated each month after they have claimed to verify it the month before. I am demanding removal of this account due to its inaccuracy and this companies failure to investigate which is against my rights. The creditor is also attempting to collect more than the balance owed and reported. This reporting is littered with errors that are unacceptable and preventing me from acquiring credit. 

The account is verified as accurate. Continuous updates to the account after they verified several times before that it was 100 % accurate. It can not be accurate when it is different reporting on each bureau and doesn't match my documentation from the creditor. The account type is also incorrect. The most recent update shows that the written off balance is over {$57000.00} when the original price of the vehicle was less than {$30000.00}.
Consumer complaint received 2020-05-16
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. (MS)

On several occasions, I have, to no avail, been disputing erroneous tradelines that have been reported to my Experian Credit Report. Once the credit reporting agency responded stating that the erroneous tradelines where verified by the furnishers as belonging to me and accurate, I requested from the credit reporting agency a description of the method that they used to verify the erroneous information. The credit reporting agency has failed to provide that information to me within the allotted time frame but is still reporting the erroneous information on my credit report.
Consumer complaint received 2022-10-21
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. (KY)

Title 31u.s.c.sec,3123 all debts are UINITED STATES obligations.. H.J.R.192 THERE IS NO RESON I SHOULD BE LATE OR HAVE MISSED PAYMENTS THERE IS NO REASON THERE SHOULD BE ANY COMPANY THAT IS REPORTING MY PERSONAL INFORMATION OR SHEARING MY INFORMATION OR SALING IT FOR ANY REASON..IVE NEVER WROTE TO ANY CREDIT REPORTING COMPANY GIVING THEM MY PERMISSION TO REPORT ANY INFORMATION. I WANT EVERYTHING ON MY REPORT TO BE REMOVED AS IT IS NOT LAWFUL FOR ANY OF IT TO BE THERE I WILL BE FILING CHARGES ON ANYTHING THAT ISNT REMOVED..I WANT TO FILE FOR IDENTITY THEFT .. AND I ASK THAT IT BE FIXED IMMEDIATELY SOMEONE HAS MY INFO AND I WANT TO LOCK MY SS # ASAP..
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I, the consumer and natural person, was denied credit by Capital One when I applied for a credit increase. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. 

You are subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by Capital One due to the response I received. 

Capital One is in violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Capital One.
Consumer complaint received 2022-10-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. Equity Advantage Holdings, Inc. (MA)

The autopay plus program was illegally sold to me as something that would debit my bank account twice a month to accelerate my loan to save money on interest. The Consumer Financial Protection Bureau got involved and I received a check for XXXX in XXXX. BUT now that company is trying to do something else, obviously because they had to pay out that money you got us all. 
I received a text saying if I did not submit a lender statement that they would charge me a dollar a debit. That is XXXX a month. I called the dealership where I purchased my car 4 years ago and they don't know anything about this or even a lender statement. I called XXXX and they said most people just ignore it and pay the XXXX. I asked for a manager to call me and I did receive a call from a man but when I went to return it, it was not to a direct line but to the general one. Hence, I am writing to you. 
This company did not start this charge until 4 years later and after your agency fined them. Obviously, it is to recoup their money from consumers they are hoping will ignore it as it is a small fee. These small fees become a large amount of money when many consumers are involved. I would appreciate your prompt investigation into this company.
Consumer complaint received 2020-05-17
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. (NY)

on XX/XX/2020 my credit took a drop of 13 points with both Transunion and XXXX with no logical explanation. No one is able to offer an intelligent explanation for this. My credit scores should be continually going up, not down. It appears the the poorly written calculations try to find a reason to drop your scores, instead of increasing them. It is either a software bug or intentional misconduct from the clerks and management that drop consumers credit scores for no reason.I have had impeccable credit for the last several years. All of my bills are paid on time. My credit card balances are always XXXX out by the end of the month. I have over {$100000.00} of liquid assets with my mortgage. During this pandemic, I am XXXXne of the few people paying all debts on time. My credit is at XXXX which is still excellent, but it was at XXXX. It should be at 800 by now. You are going in the wrong direction with my credit. Please save this punitive behavior for people that are irresponsible with their credit. Not people like myself that pay all of their bills on time. 
I am a XXXX veteran and mistakes like this stress me out.
Consumer complaint received 2020-05-15
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. (MO)

I had never been late on my credit report ever. XXXX, Equifax, and XXXX  is reporting late payments from XXXX Credit Card, XXXX XXXX Credit Card and XXXX Credit Card. Also Equifax, XXXX, and XXXX is reporting 2 closed accounts that listed as XXXX XXXX XXXX   Credit Card, and XXXX Credit Card.All these negative remarks are on my credit profile due to the outburst of Coronavirus. I really don't believe it's right for consumers like myself have to pay the price of having his credit destroyed due to natural disaster like Coronavirus.
Consumer complaint received 2022-10-21
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

In accordance with the Fair Credit Reporting act. I am attaching a Copy of all letters sent below. has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable to cause to believe that the information is inaccurate.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other advers item of information, other records of convictions of crimes which antedates the report by more than seven years
Consumer complaint received 2020-05-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

XX/XX/2019 XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX Portfolio Recovery Associates, LLC XXXX XXXX  XXXX XXXX, CA XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim to have verified that ( I owe XXXX  XXXX {$430.00} ). Yet again, you have failed to provide me with a copy of any viable evidence, bearing my written signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

I am again formally requesting a copy of any documents, bearing my signature showing that I have a legally binding contractual obligation to pay you the alleged amount. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. 
Details about your authority to collect this debt : whether you are licensed in my state and if so, provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 14 I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNCOAST CREDIT UNION (FL)

I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.