davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/ My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX My employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Consumer complaint received 2020-03-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (UT)

Hello! My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX utah XXXX. My phone number Is XXXX. 
I tried contacting my mortgage company Monday, Tuesday and today! They will only defer my XXXX mortgage which is XXXX till XXXX but pay them both both in full XX/XX/XXXX which would be {$4000.00}, that doesn't help at all! I want to pay it. I'm just not working this week or probably the next 2! I was just hoping they would put it at the end of my loan and no help. My daycare Is still charging me everyday even though my kids aren't attending which is {$310.00} every week! I am seriously stressed  and freaking out. Please if anything just return my message. Please and thank you!!!! 
CMC Funding Inc is my mortgage company Sincerely, XXXX XXXX
Consumer complaint received 2020-03-19
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. (IA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed immediately.
Consumer complaint received 2020-03-19
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. (IA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt  my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed immediately.
Consumer complaint received 2020-03-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MD)

I went to the Hospital and I got medical care and they didn't bill my insurance like they should have.I would like t know why is this on my credit report.If they had billed my insurance provider.They would have gotten their money.I don't think I should have to pay this debt.Since this debt should have been paid through my insurance provider.I am requesting an itemized report and an full investigation into this serious matter before I sue this collection agency and XXXXXXXX XXXX.If this is not resolved with 30-45 days.I will file a lawsuit against the hospital and the Collection agency.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2019-11-05
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: EQUIFAX, INC. (CO)

The credit Bureau is not correcting my payment history on my old XXXX XXXX account. This car loan has been paid off in full and is closed. That part is correct, the loan has been paid off and is correct. The incorrect information is the fact that it states i was late 3 times on XXXX, XXXX and XX/XX/2014. That is incorrect. I was never late these dates. I contacted XXXX XXXX and they agreed, but said I wuld need to contact the Credit reporting agencies. I've tried that several times and each time they immediately turn around and say the information is verified, but they have not verified the information, because those lates would come off. 

XXXX XXXX account : XXXX
Consumer complaint received 2020-03-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

I was shopping online with XXXX  online first the was no available for delivery so I went to the option which you allow XXXX to shop for you and you just pick up your purchases and completing the order it gave my option to pay for my order with Chase Pay which supposed to be option for you pay. What's concerning that the customer services did not know about the product and told that I only can view my transaction via the application so I cancelled it. Really concerned that Chase allow me to enrolled in product and services that has been discontinued since XX/XX/2020 when I select this product and services it should denied enrollment. Complaint references # XXXX please investigate ensure that me other customer are not able to enroll in product and services that are no longer available and fraudulent.
Consumer complaint received 2020-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MI)

QVC has a flex-pay option that allows customers to pay over time. I bought a XXXX XXXX mixer from them. My credit limit did not allow me to pay for the mixer. I was paying my payments, but had other flex-payments. QVC once I ran out of available credit adjusted the payments that I make to have me pay for the rest I owed on the XXXX XXXX. At the same time, the company they sold the debt to is after me for the remaining balance. I have been paying on the bill for a year and it hasn't gone down in that year and I have not bout anything from QVC in over a year. My limit is only {$400.00}. When I brought it to my attention a few months ago, my bill began to go down, but it should have been down months ago. I even cancelled the insurance and they kept that on longer than they should have. I had to call twice. I want to pay them off, and pay the remaining {$150.00} on the XXXX XXXX, but I'm not paying more than I owe.
Consumer complaint received 2019-11-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

I was contacted by a company ( XXXX  ) Claiming that I owed a debt to HSBC bank. When I contacted HSBC they advised me that I did not have any outstanding debt with them. I contacted back XXXX  and they told me that they had already sent validation and that I did not need to validate. However they said that I would need to pay this debt before having my wages garnished. The representatives were very threatening and convinced me to give my card number for payment. They told me that once the first payment was made that I would receive a receipt however I have not ever received that receipt. My bank has cancelled my card and I am now getting a new card. I have continued to get calls from XXXX.
Consumer complaint received 2019-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2019-11-29
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: Experian Information Solutions Inc. (UT)

" New Issue '' Experian re-inserted a previously deleted XXXX  account back on my credit report. This account was involved in fraudulent activities. It must be removed immediately. I never received any notice from XXXX that this account was going to be be reported again. Additionally, Experian you received valid police reports XXXX and XXXX. This is a violation period. 


Secondly you verified again XXXX when you were sent police report XXXX, the account balance is fraud. XXXX is aware various accounts that have fraudulent balances. I was informed the accounts were suppressed. Why is it still showing on my credit anyways? 

Experian continues to be NON-Compliance of the law.
Consumer complaint received 2019-11-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (MD)

My loan experience has been awful. While that is one thing, it has now cost me money out of my own pocket so I felt the need to formalize my complaints.

From day 1, I made it clear my cashout refinance needed to close early to mid XXXX. I literally followed up every day with the LO or Processor to ensure this happened. I was never once told this would not happen, but it felt like we were moving slow. Then, the day for closing, when I finally reviewed my documents, I noticed they had the wrong property address on the CD ( embarrassing considering they had an appraisal completed ) and did not have a deed to add my wife to title ( which was told to both the LO XXXX and Processor XXXX ). This delayed closing another week. I escalated to a manager ( XXXX ) and was essentially told this timeline is completely normal. 

Fast forward to the day of closing and I'm notified that my funds will be available in 10-15 days. I asked why it was more than 4 ( 3 days to rescind ) and was again told this is normal because they're busy. At that point, I had to take a loan out against my 401k to pay for the trip we had already scheduled as a family. Good thing I did! We are now two weeks since " funding '' and I still don't have my money. I don't even know what it means for a loan to " fund '' when I don't actually receive any funds.
Consumer complaint received 2019-05-23
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: EQUIFAX, INC. (UT)

I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following account XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-11-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CURO Intermediate Holdings (MI)

I received this e-mail claiming to be from a law firm claiming I will be prosecuted for an unpaid debt and numerous other threats that violate consumer collections laws. Their e-mail does not tell me who the debt is for, just an extensive list of the companies they claim to represent. As a legal document, it is if filled with grammar and spelling errors. It is a very unprofessional letter. 

Another red flag is it appears I am only Blind copied on this e-mail so who knows how many other people received the same e-mail. The biggest red flag is that it is coming from personal e-mail addresses. 

Finally, this is not the first time I have received an e-mail like this from XXXX Attorneys. 

I have been a XXXX  XXXX  for XXXX  at a rather large XXXX   for 14 years and I know consumer protection rights when it comes to collecting on a debt. 

This is a major violation and they need to be stopped.
Consumer complaint received 2019-11-29
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: HW Holding, Inc (NY)

i went to check my credit karma report as well as my free credit report monitoring sites and there are some fraudulent accounts on my credit that i would like to be removed immediately the following accounts are. 

1.hunter Warfield inc in the amount of {$22000.00} 2XXXX XXXX in the amount of {$1100.00} 3XXXX XXXX XXXX XXXX in the amount of {$1100.00} 4.XXXX XXXX  in the amount of {$1000.00}
Consumer complaint received 2019-11-29
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: Conn's, Inc. (CO)

I have a Conns account on my collections. I made a payment to settle the account in XXXX. The company sent me letters confirming. I made a dispute and neither Conns nor XXXX will fix the error on my report. 

They are also not reporting the correct amiunts for my student loans. They randomly grabbed a number out of thin air. 

Neither account will change. 
Also EVERY couple of day Conns put a new remark on my account after the last payment was made. Months after that payment was made to be exact. This made my credit drop like 100 points even after the last payment was made. They updated my account with wrong information Every 2 to 3 days for months. I also made payments three months prior to the last payment for the full settlement. This included two payments in XXXX. I sent all documents confirming that to all three : XXXX XXXX and XXXX
Consumer complaint received 2019-11-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUN WEST MORTGAGE COMPANY, INC. (TN)

I accepted a position with Sunwest Mortgage in XXXX was promised they would obtain mortgage licensing in GA. my office was in XXXX Tn., which it is very important that we able to make loans in GA.Called to mandatory meeting in XXXX Tn XXXX with Managing Director, National Production XXXX XXXX, was informed that they are not willing to terminate any of the felons that they currently have employed in order to obtain GA license, Was advised that I would not have to pay any sign-on bonus money back to the company and we could leave. I went to my Sales manager to complaint and was advised to take my loans and get out. they refused to pay me my commissions have demanded that I repay my sign on bonus. I felt threaten and afraid of their strong arm tactics.
Consumer complaint received 2020-03-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (OH)

I recieved a letter today from Capio partners in regards to an alleged debt from XXXX for my son. The letter threatened to report the alleged account to the credit bureaus of not resolved. For one, my son is covered under two insurances, XXXX failed to bill both of them ; one of the insurances is XXXX. I dont owe XXXX  any money and the my insurance companies were not billed
Consumer complaint received 2019-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-03-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OR)

On XX/XX/2020 I initiated a phone inquiry about refinance options through Amerisave Mortgage Corporation and spoke to XXXX XXXX. He started the conversation by asking me to provide my social security number and few questions regarding my financials, so that he can better assist and provide a more accurate quote. Amerisave was the third company I contacted regarding a rate quote, so I authorized him to use my SS number for a more accurate quote. After answering all of the financial questions, he concluded with a proposal. After receiving the information, he was aware I still needed to call my bank to see their rates, and talk to my husband. We agreed to revisit our conversation in two business days, on Friday, XX/XX/2020, at which time I would have an answer. The next day, I talked to my husband and then to my current bank, and decided to move forward with my bank ( XXXX XXXX ) and start the application process with them. 
XXXX called at the scheduled time on Friday, XX/XX/2020. Right away I told him I decided to go with my bank and declined his offer. 

On Monday, XX/XX/2020, I received an email from Amerisave Mortgage Corp. Thanking me for starting a loan application with them and provided a link for disclosures and a list of documents that I needed to submit. I never authorized or consented to starting an application, nor was I aware of it. I immediately sent an email, and filled out a survey. His reply never addressed why he started the application in the first place. He did state that it was closed but I am unsure of how to confirm this. I also am not sure if this effects my credit in any way, shape or form. Within a week, I submitted an email to their general inquiry address, I never received a call or email back.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XX/XX/XXXX, I submitted through the major credit bureaus a dispute regarding a late payment that was reported on my account to Trans Union, XXXX, XXXX and shouldn't have been. This late payment was never removed as requested, but instead the account in question that I have had for over 10 years was completely removed, improperly. The 10 year old account is still open, active, and in good standing. This account ending in XXXX is still on my XXXX and XXXX reports but is still not placed on my TransUnion report and hasnt been since XX/XX/XXXX. I have been calling and speaking with reps as well as responded to letters regarding this matter with no positive response. According to the FCRA all information should be reported properly. This has not been done as my account ending in XXXX still has not been placed on my Transunion report, nor has the incorrect late payment been removed. 

I have responded to the letter sent me by the company via certified mail on XX/XX/XXXX. It is XX/XX/XXXX and I still have not received any comments or feedback regarding this issue. Certified mail Tracking # XXXX. 

I contacted Transunion numerous times regarding this situation but have always gotten sent back to XXXX XXXX with no success, and my good standing 10 year old account missing from my report. 

I have attached the documentation showing its removal XX/XX/XXXX on the Transunion report. This document also shares the Transunion File Number.