davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-24
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. (GA)

I submitted my FTC fraud report, FTC report # XXXX to Experian on XX/XX/2021. I called Experian on Monday XXXX XXXX spoke with XXXX, XXXX employee of Experian.I proceeded to ask her did they receive my FTC Report.She confirmed she did receive it. I then stated that pursuant to 15 USC 1681 C-2a, once the report was furnished to them it has to be removed from my credit report within XXXX days.Once I stated the LAW to XXXX, she told me the FTC report wasnt real and I need to file a dispute with them. I Requested a manager, and was denied, and then told the manager would tell me the same thing. I stated the law and requested to have the fraud removed, She once again denied my Demand after again giving me confirmation of the receiving of the report of the fraudulent account from XXXX. They are in Direct violation of 15 USC 1681 C-2a, which States the following : 15 U.S. Code 1681c2a - Block of information resulting from identity theft U.S. Code Notes ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-06-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (VA)

I assumed a VA mortgage from Freedom Mortgage in XX/XX/year>. They have not provided a single statement via an online portal or email since. They claim that they are unable to allow me to create an online account due to it being an assumption, and that they would send me an email each month with my statement. This has never happened. Of course, Freedom Mortgage has no problem sending marketing emails I didn't sign up for to the address they can't send a statement to. 

We have been forced to make monthly payments over the phone without ever seeing an actual statement. The amounts on the phone statement vary month to month, and are higher than the monthly payment quoted in our closing documentation. I am concerned I am being overcharged / am paying hidden fees I can't see, since Freedom Mortgage will not provide me with monthly statements.
Consumer complaint received 2020-02-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sa-Vit Enterprises, Inc. (NY)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-11-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (MI)

On the week of XXXX XXXX, 2021, I called Planet Home Lending LLC to resume my mortgage payments which had been deferred for XXXX months. The representative was unable to tell me what my new adjusted payment would be, but recommended that I pay the original monthly amount of {$1100.00} in order to prevent a late fee while the underwriting department calculated my new payment. I did as I was advised by the representative. 

Approximately a XXXX later I received paperwork to resume payments. When I got the paperwork I called Planet Home Lending for an explanation of the contract they wanted me to sign. During this phone call it was explained to me that the payment made a month earlier was not going to be applied to my new payment schedule as I was led to believe. The amount went towards the outstanding deferment amount, which is not how it was explained to me at the time. After much discussion, I was explicitly told that the paperwork would be revised and that my payment made in XXXX would be applied to my XXXX payment of my new payment schedule. 

Now, XXXX months and countless phone calls later, they have changed their story and are saying that they never said they would revise the paperwork despite the phone calls being recorded. I would like to take them to court so I can subpoena the phone call recording but due to their blatant lies and manipulation I do not have the liquidity necessary to hire an attorney. 

It may also be worth mentioning that this is not the first time the have acted deceptively regarding my mortgage. They have a long track record of exploiting their customers.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (OK)

I have been disputing the late payments showing on my account for Santander Consumer USA which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Consumer complaint received 2021-11-24
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: Spring Equity LLC (NC)

UCS/Spring EQ LLC ran my credit/Performed a hard credit inquiry on XXXX. I was in communication with this lender asking for loan rates. During our communication, they indicated that they will only perform a soft pull and it will not have any impact on my credit score. Yet, they ran a credit with any explicit authorization or me starting/submitting a loan application.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am a victim and Survivor of XXXX XXXX XXXX, XXXX XXXX and XXXX in Persons. Please see all enclosed forms as Evidence according to Federal Regulations and remove all requested information from the consumer report. Thank you
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (MO)

Fortiva Credit Card, The revised Fortiva increased 2024 APR for Purchases ( Interest Rate of 36.00 % ) and increased Account Maintenance Fee ( of {$15.00} per month ) are predatory. With these terms, the principal balance is unlikely to be paid. The respective user would be paying the interest costs in perpetuity instead of making any progress on the principal. 
Thank You.
Consumer complaint received 2024-06-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: E Mortgage Capital, Inc. (CT)

EMortgage Capital Contacted without my request. They clearly obtained information about my home, it's value and the remaining amount I owe on it. At NO time did I reach out to them to discuss my home or any type of loan with them. 
On XX/XX/2024 XXXX They sent me an unsolicted quote VIA TEXT for a refinance of my primary home. 
On XX/XX/2024 They called me at XXXX despite me opting out and notifying them I never requested that quote I responded that that I didn't request a quote and send OUT per the text instructions
Consumer complaint received 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-24
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. (WA)

Transunion, XXXX, and XXXX are incorrectly reporting fraudulent accounts on my consumer report. It's been beyond 30 days and they've still yet to rectify the information. I've disputed these claims and I'm seeking litigation for the blatant disrespect and disregard for my credit wellness.
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (WI)

I called the company 's customer service line to close the account. The customer service phone number is XXXX. After speaking to someone who I thought would close the account, that person said I had to be transferred to someone else. After waiting on hold for XXXX minutes, I was told that there was nobody who could take my call. I was very mad. I asked to speak to their supervisor- they also said that nobody answered. Really? They have plenty of people available to open an account but no one available to close the account? This is horrible!
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Simon's Agency, Inc. (NY)

Starting in XXXX XXXX XXXX XXXX XXXX  than {$500.00} will no longer be reported on consumer credit reports. but my {$470.00} is still being reported
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (AL)

I opened a check-in bank account in Regions bank in XXXX, Alabama. The account was working fine for XXXX weeks, but due to some issue, they closed my account without telling me. I am an international student studying in the US, I ordered something from XXXX from that bank debit card and I returned it back, so XXXX is saying the amount has been refunded but the bank is saying your account is closed, so there is no amount so contact to XXXX. And XXXX is saying contact to the bank they will provide you cheque, just provide the transaction id ; I provided the transaction id also but bank says that their is nothing where we can enter this
Consumer complaint received 2019-12-09
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. (NV)

I have contacted the collection agency XXXX XXXX XXXX directly, as well as, Experian, XXXX, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Consumer complaint received 2022-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB (TX)

Klarna has violated several of my federally protected rights due to an alleged debt that they are saying I owe in which they actually sold my information to a third party in which I never consented to do so. 

First violation Pursuant to 15 USC 1692 ( a ) - I have been abused because Klarna XXXX XXXX XXXX are stating that I owe a debt when I do not and Klarna XXXX XXXX XXXX are in violation of 15 USC 1692 ( b ) ( 2 ) as while they were contacting me they stated that I owed a debt which in fact they are not supposed to Klarna XXXX XXXX XXXX are in violation of 15 USC 1692 ( c ) ( a ) as I never gave any written consent for anyone to communicate with me regarding this alleged debt and never gave them my permission. 

Klarna XXXX XXXX XXXX are in violation of 15 USC 1692 ( d ) ( 2 ) as the term debt is obscene and profane language to me Klarna XXXX XXXX XXXX are in violation of 15 USC 1692 ( d ) ( 5 ) as I was contacted multiple times and it in fact annoyed me Klarna needs to compensate me for all violations per the Fair Debt Collections Practices Act that they failed to comply with the requirements in the Act and they are civilly held liable for such action. 

Please pay the attached invoice immediately.
Consumer complaint received 2021-11-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

To whom It may concern, I request validation of this debt per Texas  Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 Please note XXXX, XXXX, and XXXX are bonded in the state of XXXX and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response immediately Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Consumer complaint received 2021-11-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

To whom It may concern, I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. XXXX Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response immediately Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Larry H. Miller Group of Companies (NJ)

Today XX/XX/XXXX Ive received a notification regarding a new hard inquiry has been added to my credit the financial is called prestige financial Ive never gone through them before and never heard of them before.
Consumer complaint received 2021-11-24
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. (NC)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2021-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

Convergent sent a letter requesting that I pay a debt that is not mine. I asked for validation and they sent me a contract with a signature that is not mine. It looks like the signature my be XXXX, not sure what the last name is. Please look at the signature pages. I have asked them to remove this from my credit file but they refused. 
Please help. This is injurious to my credit as well as my character. I pay my bills on time and have no collection accounts.
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (GA)

Mid XX/XX/2021, I was transferring funds to an external bank account. I received a call to verify the transaction and I confirmed that I made the transaction and was told it would process the next business day. My account was immediately locked for potential Fraud and has been for more than 2 weeks. I call daily to check on the status of my account, it is still locked and customer service tells me that there is nothing I can do because the fraud department is unreachable. Without access to my money I can not pay bills or buy food.
Consumer complaint received 2019-12-26
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. (FL)

THE ACCOUNTS DISPUTED WERE NOT AUTHORIZED BY ME, THE ACCOUNTS ARE SHOWING CLOSED ACCOUNTS WHEN I WAS UNAWARE OF IT. I DID NOT GIVE ANY AUTHORIZATION FOR THOSE ACCOUNTS AND THEY ARE REPORTING NEGATIVELY IN MY ACCOUNT
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (CA)

I am a victim of identity theft, back in XXXX my home was broken into all my information and daughter information was stolen and all our jewelry. 

Someone even have an eviction in my name in XXXX XXXX. Which I resided in XXXX since birth. 

Please help me I have no knowledge or connection with any account listed.
Consumer complaint received 2021-11-24
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. (AL)

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft )