davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Palisade Legal Group, PLLC (IL)

XX/XX/2023 I was contacted by Palisade Legal group with an offer for a debt consolidation loan. I applied for the loan & was denied but they offered me an alternative in which they would negotiate my debts with creditors in exchange for lower monthly payments. After explaining to Palisade my concerns of negative impact on my credit & XXXX score I was assured by their representative that a negative impact was brief & temporary. I agreed. In order for the Palisade Legal Group to be able to negotiate debt with creditors on my behalf their representatives advertised me to let my accounts go delinquent by not paying them & ignoring phone calls & threats from creditors. This caused my credit score to drop from XXXX to XXXX and XXXX  XXXX score to go from XXXX to XXXX in under of 4 months. I was told my credit score would only be affected for a short period of time and I would see it increase. When I called to ask how long should I expect to have bad credit I was told for the length of the program which is 5 years. From XX/XX/XXXX until today XX/XX/2023 I have made 5 payments of {$900.00} Palisade Legal group has since negotiated settlement with 1 of the promised 8 creditors of {$64000.00} of debt. They have since paid a {$270.00} check & a {$25.00} check to that one settlement. I believe they are taking off the top of the amount Palisade agreed to settle they are collecting a 27.50 % fee of {$17000.00}. I made this agreement with Palisade Legal Group I was trying to Finance a Semi Truck for XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX and rent an apartment. With my bad credit & low XXXX scores this is no longer possible 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 also canceled my {$5000.00} line of credit that I was going to furnish my apartment with because they are affiliated with one of the creditors XXXX XXXX  XXXX XXXX XXXX XXXX is automatically taking money from my XXXX XXXXXXXX XXXX account because thats what they do when you owe them & have a XXXX XXXX XXXX  Account Palisade Legal Group has ruined my life!
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a credit card with XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX and XXXX   reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.
Consumer complaint received 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Received a letter on XX/XX/2020 being charged {$88.00} for supposedly paying mortgage late. in my payment history I have always paid my mortgage before the XXXX of every month. This month I paid on XX/XX/XXXX a Thursday. My bank shows it cleared on Monday the XXXX but this " Mortgage Payment Reminder Notice '' was sent out on a Sunday dated XX/XX/2020. I know my banks don't do business on Sundays and I definitely know Specialized Loan Servicing doesn't either. I believe their is a new predatory tactic starting up for homeowners who are paying their mortgage. 

I have had to deal in the past with forced placed home owners insurance and it was a complete nightmare to correct and we never quite recouped from that experience. I cringe in fear whenever I get a letter from SLS. Its never good news. I have attached the letter we received and hope you can assist us and maybe be alerted of this new way of adding homeowners to an automated system that makes them look delinquent on their mortgage. 

I tried to call SLS on the XXXX and you can't speak with anyone nor hold for as long as you can because it only offers a call back option. 

what about people who are working and can't have their phone on them? Its just horrible service and the system is obviously set up for you to give up.
Consumer complaint received 2020-05-26
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. (CA)

I have a credit card with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX   reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.
Consumer complaint received 2020-05-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (SD)

Was closing on a home with Wells Fargo, witch took them 1 month and 3 weeks, 4 days before I closed got a phone call saying the loan failed and Id have to find another lender, I went to XXXX XXXX thy had me in the home in 3 weeks, just heard from Wells Fargo for the 3rd time, they only want to give me half my money back the loan did not go thru to no fault of my own, I will never do business with them again, I just want my money back. approximately {$700.00} dollars. My contact person with wells fargo is XXXX XXXX XXXX XXXX XXXX ex XXXX XXXX and trust me I am screaming at the TOP OF MY LUNGS to anyone who will listen to what a horrible experience I had withwells fargo. i have some documentation but will have to mail them.
Consumer complaint received 2020-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Timeline : 1. I deposited a personal check to my HSBC checking account. 
2. And their security department suspend my account. However no one from HSBC contact me via email or phone 3. I don't aware of the issue until I can not access the account either from web or mobile. 
4. I called the customer service department on XX/XX/XXXX. They gave me a phone number of security department without addressing my issue 5. I called the security department on XX/XX/XXXX. The representative ask me to wait to 5-8 business day without giving me a resolution. During these time i can not access my account balance or do other action. 
6. I called the customer service department on XX/XX/XXXX, and issue still doesn't get fixed. 
7. I want to close the account, and the representative refuse to do that. 

Complaints : 1. During these time, No one called or emailed me explaining why my account was suspended. And how can I fix the issue. 
2. They set the working hour of security department to is 8-5 pm, ET, which is very inconvenient for me to contact them since I am in PT time zone. I have successfully contacted the security department once. However they does not fix my issue just asking me to wait. 
3. I used this account to pay my other credit card and rent. Since they refuse to tell me the balance of my account, I might be required to pay over-draft fee or late payment fee from various credit cards companies.
Consumer complaint received 2020-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America card, XXXX XXXX account, XXXX XXXX card opening in my name. 
Someone applied for XXXX card in my name. 

Someone hacked into my XXXX app and changed cell phone number contact Several alerts that my phone number is on the dark web
Consumer complaint received 2021-11-29
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CARVANT FINANCIAL LLC (CT)

I had a vehicle Repossessed in XX/XX/XXXX for non payment had a XXXX lost XXXX in XXXX XXXX and could no XXXX XXXX the lending institution was Carvant Financial the account was closed in XX/XX/XXXX Shortly after I contacted the lender to make an offer of Compromise last month on this loan late payments were added to my credit report for XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I contacted XXXX and XXXX to dispute the new late payments after the account was closed this issue remains unresolved so far XXXX has the correct data Can you please help me resolve this issue
Consumer complaint received 2020-05-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (MN)

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account.As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 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. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney Generals office.
Consumer complaint received 2020-05-26
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY WHOEVER THE INDIVIDUAL IS WHO HAVE DONE THIS DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I checked my credit history with all 3 major credit reporting agencies, Trans Union, XXXX  and XXXX  all have my name spelled in different ways as if I have an alias. My name has always been the same. When I got married, I did not change my name, therefore, I saw no reason to think that I would have to make sure my name is spelled correctly on my credit report. I have been divorced for approx. 10 years and like I said, I did not ever change my name.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I signed a listing agreement with XXXX XXXX XXXX group on XX/XX/XXXX. FOR $ XXXX after a careful study of comparables on most recent sales in the area. XXXX XXXX XXXX XXXX XXXX  thru XXXX XXXX XXXX XXXX conditionally pre-approved me for short sale for 120 days sale.Almost immediately offers were presented one with all cash full price and two more of 20 % downpayment with approved loan ready to fund. The buyers waited a minimum of 4 months for the bank to make their decision. To my disappointment, none of these offers were accepted by the bank. I was asked to list the property for $ XXXX which none of the comparables match this price. In XX/XX/XXXX the servicing of my mortgage was transferred to Shellpoint Mortgage Servicing. The bank pre-approved me a conditional approval to short sale on XX/XX/XXXX. On XX/XX/XXXX an offer of $ XXXX was submitted to the bank.The latest appraisal is below $ XXXX. To this time, the bank continously and abusively delay their decision to accept an offer. Meantime, I have sent them several hardship letters and communications regarding financial and emotional difficulties that me and my family have been through. Then, the Corona Virus Pandemic lockdown occurred. I got laid off from my job at the school. I am financially struggling to pay my bills and maintain the property.
Consumer complaint received 2020-05-26
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. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2020-05-26
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. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (OK)

Recently my pay has been reduced by about 35 % because of the pandemic freedom debt relief agreed to work with me verbally, then would go back on their verbal agreement and make an auto withdraw from my checking acct causing an insufficient balance charge of XXXX. They did this repeatedly, they would tell me their records did not indicate me making arrangements, with them. But the only way they would acknowledge any changes to my scheduled payment to them was via phone calls. I would even email them and do live chats, I was always advised to make a phone call. When I would confront them and tell them I made the call to make a change in their withdrawal, they would tell me their records did not indicate a change. It has resulted in hundreds of dollars in additional fees from my bank. After paying them for 7 months they are only showing that I deposited XXXX but I have actually paid them XXXX, I inquired about this and was told I had to pay them before I could begin negotiation with my creditors to settle my debt. I need out of their program, now they are telling me I will be in breach of my contract, and they still have their hand in my checking acct, I need for them to stop.
Consumer complaint received 2020-05-26
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$490.00} XXXX  XXXX {$880.00} XXXX XXXX  XXXX {$570.00} XXXX XXXX {$970.00} XXXX  XXXX {$10000.00}