davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I currently have a credit card with CpaitalOne - Via - Walmart. I have had this card for over 10 years. I have been able to use the card up to the past year. I have contacted CapitalOne, which had asked for my XXXX XXXX Licenses, due ( I am assuming ), the fact that I have gotten married during this time. I tried to send via phone, which didnt work, I have sent it by mail, not ONCE< TWICE, but THREE times. Each time, I have had to call them back ( after waiting 6 weeks ) to get the release of my card, as they have suspeneded my account. I have spent hours on the phone trying to get this resolved, I have tried hours also talking w/a representative on being able to sign onto the account via web to pay the bill, and I am getting nowhere. All I keep getting is that when I do send in the information, they are not able to read the back of the licenses. 
I am sorry, I do not know what they are looking for, but short of going up to XXXX, VA. there is nothing else that I can do. 
Again, I was informed today, they had received the info, but unable to read ... 
This is unfair to me on something that is not new, again, I have had this card for years.
Consumer complaint received 2021-01-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

COMPLAINT AGAINST XXXX XXXX AND SPECIALIZED LOAN SERVICES ( SLS ) Amortization period for the loan was extended from 360 months ( Loan maturity on XX/XX/XXXX) to 480 months ( that is Loan Maturity onXX/XX/XXXX ) .But SLS state the loan maturity as XX/XX/XXXX ; instead of XX/XX/XXXX to create a fraudulent fictitious balloon amount of {$380000.00} added to the current loan of {$610000.00} because they used 360 months maturity to amortize the loan contrary to the 480 months, which they claim falsely is the new amortization period ( see page 54 of attachment ) I do not see how this is a Mortgage Relief Option. To address an unpaid arrears of {$100000.00} ; SLS introduced a fraudulent fictitious balloon amount of {$380000.00}. 
1.XXXX  XXXX and SLS should be directed to remove the balloon amount of {$380000.00} to be a truly a mortgage relief to enable me commence the trial period commencing XX/XX/21. It is fraudulent for XXXX XXXX and SLS to state the maturity date asXX/XX/XXXX. This date is a strange introduction and has no basis. XXXX XXXX and SLS should harmonize the maturity date of XXXX and amortization period of 480 months. 

2. I did not apply to increase my financial burden and lose my home. Am I being maltreated because I am minority and XXXX? I never contracted any loan from SLS. They were imposed on me by XXXX XXXX as Servicer. XXXX XXXX manipulated my loan accounts and expect me to accept their fraudulent practices without seeking for fair and equitable resolution. 

3. If I can not get fair and just intervention from CFPB, I will engage my representatives both in the House and Senate to help me out ; and the courts. I am aware a good number of XXXX and minority home owners have dispossessed of their homes fraudulently ; and sold for pennies to white cronies. 

4. Minority interests and XXXX people should also be considered and not serially and continuously abused. 

cc. Senator XXXX ; Mrs. XXXX XXXX ( Chair, Financial Services ; Senate Majority Leader ; XXXX XXXX ( NY )
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (MD)

XX/XX/XXXX : Opened a Southwest Rapid Rewards Priority Card ( Visa Credit Card, info at : https : //creditcards.chase.com/southwest/priority-credit-card ) through Chase. I was explicitly told both verbally and in written words, that the card would be received in the mail within 2 weeks. I applied for this card because I wished to take advantage of the XXXX bonus miles deal, in which the Terms & Agreement stated that {$2000.00} must be spent within 3 months. 

Unsure of Date, but before XX/XX/XXXX : I did not receive the credit card in the mail and requested it to be sent again. 

XX/XX/XXXX : Still did not receive credit card and called the customer service asking when it will be received. Asked for an extension to the 3 month spending term, seeing as it has been over one month and the bank failed to honor their agreement of sending the card in priority mail within 2 weeks. 

XX/XX/XXXX : Still did not receive credit card. Called customer service again, they said my card will be received at an unspecified date. Still refused to extent the 3 month spending term even though at this point, 38 days ( or over 5 weeks ) have passed. 

This is a deceptive practice. They state that they can not extend my promotion period of 3 months due to the Terms & Agreements. However, they refuse to acknowledge that the Terms & Agreements also states that my card will come in most likely in 3-5 business days, and 2 weeks at the latest. Yet it has been over 5 weeks and I have no received the card. Now I am still expected to make the {$2000.00} with significantly less than 3 months, as initially outlined within the Terms & Agreements.
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX Customer service would not help and take care of the negative inquiries reporting on my credit report.
Consumer complaint received 2021-01-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MI)

I began this process with SLS Servicing on XXXX XXXX. I am currently in trouble with my loan and was seeking to work out a repayment plan with my SLS who is servicing my loan. I have been in contact with consistantly since XXXX regarding my intentions for my property. I completed a XXXX application to apply for assistance, uploaded the forms. 

I then would call to verify they had everything. I was told on numerous occasions there was nothing else needed. I then would receive a letter indication nothing specific but documents were needed. I would then make a call and the representative had a very hard time figuring out what I was missing. Finally the representative would find the document that they stated was missing already submitted and was over looked. 

This went on from as I stated XXXX to XXXX XXXX. 
Each time between XX/XX/XXXX andXX/XX/XXXX I was told something different by each representative, I have never been able to speak with my appointed representative. I have left several messages for her but no return calls. Finally Last Thursday I requested a supervisor and was allowed to speak with her. She stated there were missing documents, after reviewing my documents sent she found what they had been looking for and forwarded it over to the correct processor. she stated that I should have a final answer within 72 ours it has now been about one week. 

I believe that SLS is attempting not to assist me, I believe they are trying to allow my loan to go into foreclore. I have indicated in my correspondence to them that I am willing and able to make 2 payment a month to get this resolve. I have also let them know that if I need to file bankruptcy to resolve this I will. I can not afford to be in the streets at this time. I believe these are intentional act from this servicer
Consumer complaint received 2021-01-18
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)

I sent a letter to the credit bureau to dispute and investigate questionable information on my credit report but have not received any response. The company only updated my personal information I requested and not the inquires.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

As I recently reviewed my consumer report, I noticed there are still incorrect addresses furnished on my report. This is inaccurate information and there should always be 100 % accurate info at all time pursuant to the FDCPA. This is not my first time telling Experian to remove this inaccurate information off my report.
Consumer complaint received 2020-04-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XX/XX/XXXX I bought my leased car through my dealer. I was unaware the dealer submitted an application on my behalf to XXXX financing companies, Bank of America was apparently one of those companies. 
On XX/XX/XXXX I received an Adverse Action letter from Bank of America communicating that they declined my loan application and provide 5 reasons why. 
2 of the reasons I had no idea what they were so I researched and learned a collections company erroneously tagged my credit report for a medical bill that was paid in full and never should have been in collections and was late for payment. 
These were both errors on my report, maybe I'm wrong but from my understanding Banks are prohibited from using medical bills in their credit decisioning. 
Another reason Bank of America declined my application was length of time line of credits have been established ; I have XXXX + open accounts with XXXX late payments for well over 20 years. I have owned my own home with current mortgage payments for over 15 years ... .I have no idea what BofA is looking out and in review of my credit reports their assessment is faulty.
Consumer complaint received 2021-01-17
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Shellpoint Partners, LLC (FL)

On XXXX XXXX, XXXX, I spoken with XXXX XXXX , at Shellpoint and XXXX XXXX reporting on my credit reports. This mortgage loan hasnt been on my credit report since XX/XX/XXXX. This debt has been discharged and removed in Chapter XXXX Bankruptcy 11 years ago. Please be advised this debt should not be on my credit report as I have NOT RE-AFFIRMED the debt in Bankruptcy. 

On XX/XX/XXXX @ XXXX spoken with XXXX . Please remove these mortgages off my credit reports immediately as this significantly impact my credit scores with all 3 credit reporting agencies. As Per XXXX, she will have the Bankruptcy Dept to get this removed off my credit report within 24hrs. 

On XX/XX/XXXX @ XXXX, I spoken with XXXX XXXX the Bankruptcy Dept. about these debts still showing on my credit after I have already informed them that XXXX XXXX and Shellpoint should not be reporting on my credit report. At this point, Shellpoint and XXXX XXXX is NON-Compliance according to FCFA Section 623 ( a ) ( 1 ), As a rule, it's illegal to report information that you know or believe is inaccurate. Re-aging and duplicative reporting, particularly following portfolio acquisitions or sales, mergers and other transfers. 

Overall the level of inaccuracies reporting on my credit report has cause me and my family credit denial, defamation of credit and conflict of emotions. 

I'm requesting that XXXX XXXX and Shellpoint Mortgage be removed off my credit report immediately as I have waited beyond 30 days for credit report to be corrected. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-01-16
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. (SC)

XXXX XXXX XXXX is reporting a fraudulent account that was opened about XX/XX/XXXX when i found out it was XX/XX/XXXX and i closed it i talked with XXXX at XXXX fraud department on XX/XX/XXXX and gave them all the info. They called me on XX/XX/XXXX and said they this account was opened over the phone so they are going to continue to report a account they cant verify and that they know is not mine
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

Loan paid off in XXXX, now saying money owed. Submitted modification XXXX and XXXX and emailed XX/XX/XXXX! Still nothing, at this point just want it modified. XXXX was originator! NEED COPIES OF ORIGINAL LOAN DOCS NEED TO SEE ORGINAL LOAN DOCS AND RESPA VIOLATION! AND MODIFY LOAN TIRED OF FAXING AND NOTHING HAPPENS say nothing received!
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION (AZ)

First Advantage I've attempted to reach out to the reporting agancy through email, with negative results. And their phone number is disconnected. They are reporting data that is way over 7 years ago. As a result, I'm likely to get denied for the licensing I need to continue to operate my business. I was under the impression that the FCRA allows reporting of criminal history up to 7 years ago. They are reporting on crimes frim 2008!
Consumer complaint received 2021-01-18
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: ALLY FINANCIAL INC. (OH)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XXXX XXXX, 2020, ALLY FINANCIAL Inquiry : XXXX XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2021-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

Credit Collections {$100.00} On XX/XX/20 I sent a letter over to Credit Collection after noticing an account on my credit with no response. 

I also sent a follow up letter on XX/XX/20 since I did not get a response and still have not heard back from them. 

This account comments shows that it was disputed and meets the FCRA requirements but I have no gotten any reply from them about this debt or the validity of it.
Consumer complaint received 2021-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NJ)

I submitted one payment to The Money Source https : //www.tmscustomer.com/ Website on XX/XX/XXXX. Normally I did get an email confirmation. I logged into my account XXXX onXX/XX/XXXXand did not see any transaction log for my payment. I called up and spoke with someone and informed me to make another payment. She did not see either payments in her records. She said she would call me back to cancel one. Later that day I get two confirmation of payments. 
XXXX for {$3000.00} XXXX for {$3000.00} I called later that day on XX/XX/XXXX and spoke with agent XXXX and he said he would try to cancel one payment. 
I had to borrow money to cover the second {$3000.00}, just in case the transaction does go through, since I would be charge by my bank for not having enough and also TMS would also charge me for submitting a transaction and not having enough funds. 
I log in to day XX/XX/18 and no updates on transaction and payment. This is very bad service and I have not gotten an update or email explaining what happened and why my mortgage account was not credited already.
Consumer complaint received 2021-01-18
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: I.C. System, Inc. (FL)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing
Consumer complaint received 2021-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX, TRANSUNION, XXXX ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.
Consumer complaint received 2021-01-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: TrueAccord Corp. (FL)

I am being bombarded and harassed about a payday loan from a company called : TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX USA tel : XXXX TrueAccord is a collection agency. We're reaching out to collect your outstanding balance of {$990.00} with XXXX  XXXX. You can pay or sign up for a plan through our convenient website. 

I NEVER requested any loan in XX/XX/XXXX! Or that entire year! 

The thing is, I dont recognize this company at all. I know that I applied for an emergency payday loan when our family was in dire trouble back at the end of XXXX. Around XXXX? I paid a company back IN FULL. Now this other payday loan company is just begging me to set up a payment plan for XXXX. I dont know this company, have no records of them and after XXXX  XXXX  got us sick and destroyed our XXXX, my family is barely getting by as it is. Now these folks show up harassing us for money non-stop is not helping things, much less we dont know who they are! Thats a lot more money too. We have XXXX little XXXX with XXXX and are barely surviving and these people are attacking us. Who are they and why did they show up suddenly blowing up our phone and emails. They are stalking my family. Maybe others know whats going on here or you can help? Thanks for everything you all do!
Consumer complaint received 2021-01-18
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: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.