davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-23
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: LD Holdings Group, LLC (NJ)

We began the process for a construction loan with XXXX back in XXXX. From then until present we have received misinformation about crucial components of the process, such as proposed closing dates, amount required to close, and even difficulty at present with regard to the first draw. We were initially told that the closing would take place on XX/XX/XXXX during my brief return from visiting family in XXXX. The closing did n't actually take place until the XXXX. Our mortgage broker, XXXX XXXX told us we should prepare the house for the XX/XX/XXXX closing and the commencement of construction, and so we cleared our house and placed all of our belongings in storage. Make no mistake ; I am fully aware of the unforeseen complications that can occur with regard to processing a government loan. However, we have email records that clearly indicate several lapses in the processing of paperwork, as well as faulty information regarding the timeline and credentials necessary for the transaction. Certain forms ( that did n't require any updating ) were requested and filled out as many as four times, as our mortgage broker told us he had lost them. 
Additionally, several weeks after finally receiving notification that we were " cleared to close, '' my wife called our mortgage broker to check on the status of our loan, as we had received no update. Our broker, XXXX XXXX, of XXXX, became defensive and rude on the phone, and told her that he was " done with us '' and said, " Your loan was only approved because of me. I am passing this to my boss, and I can assure you that now your loan wo n't be approved. '' I 'd like to think that the approval of line would be based on the applicants ' meeting the qualifications of financial solvency required, and not be contingent upon the personal whims of an individual. 
When XXXX boss, XXXX XXXX, took over our loan, he was just as vague and non-compliant about our closing procedures. We received absolutely no consultation or update about our closing documents or the closing itself. We were told that we had to " figure out '' who our title company was, and schedule the closing ourselves. When we met with the closing agent, she informed us that XXXX had been alerted about the date and details of our closing, and that they had assured the title company that they would make the clients aware. This never happened. 
After all of this, our closing finished, and the initial disbursement was transacted on XX/XX/XXXX. The check for the first draw has still not been cut, and we have placed several phone calls to address this problem. XXXX XXXX, another individual from XXXX, spoke with us after we placed a phone call this morning and assured us that he would call us with an update on the check. He never did. I am thoroughly disillusioned with the complete lack of professionalism on the part of this company. XXXX essentially collected XXXX dollars for themselves in exchange for providing zero service and subjecting my family to immense inconvenience and stress.
Consumer complaint received 2023-02-02
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$70.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (TX)

my husband and I was visiting in XXXX in XXXX, we where stopped by some sales people about taking a free helicopter ride and a free steak dinner if we attend a seminar, we did upon this meeting they asked for our ID '' s and some other information. We did. and after the seminar we go to a back room with all these salesmen again to get you to apply for a vacation package.for XXXX I told my husband no and we left .the next thing I found out money was coming out my account in XXXX. I tried and tried to reach out to them and nothing/at first they couldn't even find me.i finally after 2 month 's have got a phone number to call them about a credit card they say i purchase for a XXXX and never received are used.they are still taking money out my account
Consumer complaint received 2023-02-02
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. (CA)

On a copy of my Experian credit report taken from XXXX, there is an " On Record Until '' field for the account " XXXX XXXX  ''. The field says " On Record Until XX/XX/2023 ''. See page XXXX of attached copy of report from XXXX. But when I look at all credit reports from XXXX, that field/information for the account XXXX XXXX  XXXX XXXX. Why is this " XXXX Bank '' account still showing on my credit report when the field/information " On Record Until '' shows " XX/XX/2023 ''? Please remove this.
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

On XX/XX/XXXX I sent a letter to all 3 credit bureaus to verify debt of National Credit Systems on behalf of XXXX  XXXX  as on each report was reported differently and notified that status showed paid and no debt was owed on account. I have not received any verifiable information from either credit bureaus to advise of debt other than the collection agency have verified debt. I started paying this debt in XXXX. I reviewed my credit report in XXXX as status showed paid and stopped making payments. I did not receive any verifiable information of amounts I paid on account. I no longer received phone calls regarding debt from XXXX. I started receiving phone calls regarding debt as of XX/XX/XXXX and explained that debt was validated as paid on credit report and no debt was owed. The representative preceded to say that although it showed it was paid that debt was still owed. This company have reported inaccurate information on my behalf. The bureaus went off a previous dispute from XXXX to determine the information was correct.
Consumer complaint received 2015-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MS)

they will not let me dispute these, what they have on them are wrongXXXX Dispute this itemAccount Number : XXXXDate Opened : XX/XX/XXXXStatus : Discharged through Bankruptcy Chapter XXXX this was paid not chapter XXXX by me with money orderXXXX XXXX Dispute this itemAccount Number : XXXXDate Opened : XX/XX/XXXXStatus : Paid, Closed. 

XXXX XXXX Dispute this itemAccount Number : XXXX .... 
Date Opened : XX/XX/XXXXStatus : Paid in settlement. this was not settlement i paid full bal
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (PA)

I was declined for a open end consumer credit plan and wasnt sent the adverse action. The law is very clear in this matter. 

15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination ( 3 ) because the applicant has in good faith exercised any right under this chapter.

( d ) Reason for adverse action ; procedure applicable; adverse action defined ( 1 ) Within thirty days ( or such longer reasonable time as specified in regulations of the Bureau for any class of credit transaction ) after receipt of a completed application for credit, a creditor shall notify the applicant of its action on the application.

( 2 ) Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. A creditor satisfies this obligation by ( A ) providing statements of reasons in writing as a matter of course to applicants against whom adverse action is taken ; or ( B ) giving written notification of adverse action which discloses ( i ) the applicants right to a statement of reasons within thirty days after receipt by the creditor of a request made within sixty days after such notification, and ( ii ) the identity of the person or office from which such statement may be obtained. Such statement may be given orally if the written notification advises the applicant of his right to have the statement of reasons confirmed in writing on written request.

15 U.S. Code 1681m - Requirements on users of consumer reports ( a ) Duties of users taking adverse actions on basis of information contained in consumer reports ( B ) a statement that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide the consumer the specific reasons why the adverse action was taken ; 15 U.S. Code 1602 - Definitions and rules of construction ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time.

( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Consumer complaint received 2021-09-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

On XX/XX/2021, I sent XXXX Of my HEX coins to my Coin base account from my XXXX mask account ( valued close to {$23000.00} on that date ). Coin base received my coins  and the transaction was successful. Transaction ID : ( XXXX ) The Coins/funds was never credited to my coin base account. 
I reached out to coin base customer service to find out why my HEX coins ( or their value ) were not in credited to my coin base account, I got back from coin base customer service stated that HEX coins are not used in coin base. So, I sent another email to Coin base  customer service to resend the HEX coin back to my XXXX XXXX XXXX since the transaction was done/ completed and the HEX coins are in their platform and out of my XXXX XXXX XXXX, but they never did giving me the same story as HEX coins  are not used in their platform. 
I filed a compliance compliant with coin base and the answer was the same as their customer service. 

I would like to file a complaint about their business practices and in the way they are maliciously and fraudulently holding my HEX coins and how I am not able to get them credited on my coin base account or refund them back to my XXXX XXXX XXXX 
COIN BASE is publicly traded company, and they need to stay away from shady practices and keeping investors monies as hostages. The bottom line I am not able to get Coin base to credit my account or refund my HEX coins/ money, please help. 

Kind regards.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (GA)

To whom it may concern, Im am reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. XXXX, and XXXX are consumer reporting agencies, and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. 15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title. Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

This account is an adverse item they are reporting again without my permission which is against the law. * Truist is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection c, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : In accordance with the written instructions of the consumer to whom it relates. Truist, The financial institution does not have my consent to furnish this information and does not have my written consent. All consent to XXXX, XXXX, XXXX whether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose non public personal information to a non affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX never informed me of my right to exercise my non disclosure. XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
Consumer complaint received 2023-02-10
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. (HI)

I had identity theft happen and my credit has been ruinned as a result. Here is a list of the items I discovered on my report that need to be removed immediately thank you. 

Account Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I have attached a report that was sent to XXXX XXXX via XXXX report but have not gotten a reply from the police department at the present time. Thank you again for your help.
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

I am currently in the process of purchasing a home. On Saturday, XX/XX/XXXX, XXXX XXXX withdrew {$7000.00} from my HSBC XXXX Checking Account ( last XXXX XXXX ) for the deposit on my new home. On Monday, XX/XX/XXXX, I wrote a check to myself from my XXXX XXXX XXXX XXXX Checking Account ( last four XXXX ) for {$9000.00} to deposit into my HSBC XXXX Checking Account ( last four XXXX ) to replace the funds that were withdrawn for my home deposit and to cover any upcoming expenses that I may have in the home process. On Tuesday, XX/XX/XXXX, I attempted to log in to my HSBC XXXX Checking Account ( last four XXXX ) through my mobile phone. I was denied access as the page stated " Account Suspended. '' I contacted HSBC fraud services, and I was told that the check that I wrote to myself for flagged for fraud. I was then told that until my bank verified the funds that I would not have access to my HSBC XXXX Checking Account ( last four XXXX ). I offered to three way the bank. That was denied. I offered to send in proof of funds. That was, also, denied. I then placed a stop payment on the check as I did not want those funds to go into my HSBC XXXX Checking Account ( last four XXXX ) and become frozen. On XX/XX/XXXX, I called HSBC fraud services and told them that I have stopped payment on the check and what verification do I need to have my HSBC XXXX Checking Account ( last four XXXX ) unfrozen. I was told that there is nothing that I can do to prove that the funds are and were in my account on the day that I attempted the mobile deposit for {$9000.00}. On XX/XX/XXXX, I called into XXXXSBC fraud services because I was unable to stop my payroll direct deposit from being submitted into my HSBC XXXX Checking Account ( last four XXXX ). I asked what I would be able to do to access my verifiable payroll direct deposit, I was told that I could go to a local branch -- of which there are none within a XXXX mile radius of home -- and they may let me access my funds. HSBC refuses my access to verified funds that are not fraudulent and from a Fortune 150 corporation because their computer system found it odd that I would be conducting financial transactions from my HSBC XXXX Checking Account ( last four XXXX ).
Consumer complaint received 2021-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

I have filed many complaints with SLS and with CFPB with regards to this matter. SLS has yet to correct this ongoing matter correctly, they keep perpetuating the matter and refuse to take responsibility in the fraud that they committed by granting a loan modification without my consent, communicating with the incorrect parties, communicating with parities that have no legal rights or obligations to the properties right up to XX/XX/XXXX even after the AG 's Office of MA notified them. My last complaint was answered by SLS by documents with no signatures. I was given blank. I requested copies of the loan modification to show signatures because I never signed any legal documents, I couldn't because I `was incarcerated. SLS also sent a very altered court document without the seal of the Court - because the document from the Court provided an end date for XXXX XXXX to be personal representative of the estate of XXXX XXXX XXXX XXXX. SLS has requested that I file a police report for identity theft but yet they have perpetuated this problem and have not taken any responsibility in this problem and provided me with documentation. SLS purchased this loan from XXXX loans in XXXX, sent a letter stating that nothing would change but yet a few months later SLS stopped taking our mortgage payments and requested payment in full completely ignoring their letter that they sent previously. SLS was not communicating with the legal borrower of this loan and made no attempt to do so and now they are trying to foreclose on this mortgage.
Consumer complaint received 2024-04-12
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (CA)

I haven't lived in XXXX since XXXX. I have permanently lived in XXXX since XXXX. 

Try to collect for an application fee. 

National Credit System for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion lowered my score due to balance decrease of {$11.00} and change of Account number was change pertaining using services with XXXX XXXX  by 17 points. This circumstances shouldn't decrease my score but increase my score just as it did with XXXX by increasing my credit score by 32 points. The account number change was due to XXXX XXXX updating their application software on XXXX XXXX and had nothing to do with theft or simply replacing the account. Transunion is wrongfully giving me a lower score when Im simply making on time payments.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Onity Group Inc. (MD)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX  you caused me.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (CA)

There are two XXXX XXXX XXXX fraudulent opened accounts reporting by Experian credit bureau. I submitted valid police report at XXXX XXXX police department and FTC identity theft report sent to Experian to block/remove this two fraudulent accounts from my credit report under CA Civil Code Section 1785.16 which states : " when consumer submits valid police report or a valid investigative report, the consumer credit reporting agency shall promptly and permanently block reporting any information that consumer alleges appear on his or her credit report as a result of identity theft ''. I contacted Experian and their representatives based on the documents and the statement that I made keep rejecting my documents. Please resolve this issue on my behalf by removing two XXXX  XXXX XXXX fraudulent accounts from Experian credit report.