davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX  credit reporting Has never updated removed incorrect information.After much hassle I did get a letter with my credit score after complaint here with you.My score has not changed.I called and spoke on the phone with a gentlemen named XXXX who I could hardly understand.I was told my credit report is computer operated and there is no way to change that.i pointed out and asked about the hard Inquires that have dropped off a d the point system for that.he confirmed that is the point sytem.and the computer generates all reports there is no way to change it.i filed on XXXX and have had no responses.I asked why some information disappears and reappears.no answers.I called again spoke to a supervisor who said I have no credit history.i find that hard to believe since the whole reason I checked into my credit was i was notified that my information was hacked and frozen.I have been at this almost 3 years i belive.Done it all by myself.And it is worse then it was before.I am ready to pursue legal charges for all the headache, time, effort, calls, disputes, complaints, and research into this whole issue.
Consumer complaint received 2019-07-04
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. (CA)

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 below. 


XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ;
Consumer complaint received 2019-07-04
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. (CA)

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 below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX   XXXX ; XXXX XXXX XXXX ; XXXX XXXX ;
Consumer complaint received 2019-07-04
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC (FL)

My name is XXXX XXXX XXXX. I am a widowed senior citizen of XXXX years old. I am currently in a reverse mortgage with Celink Mortgage, XXXX. XXXX XXXX, XXXX, TX XXXX. Telephone number : ( XXXX ) XXXX. The reverse mortgage loan number is XXXX. My husband died in XXXX due to XXXX. I live with my son and he too has XXXX and is XXXX. Between the both of us living on a fixed government check once a month it is getting nearly impossible to continue making the home insurance payments to the XXXX XXXX XXXX company, address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Phone : ( XXXX ) XXXX. Now on XX/XX/XXXX they want a down payment of {$2100.00}. I tried getting another insurance company but when my local insurance agent sent an inspector this week and did a 4 point inspection the report showed that this house needed too many repairs, i.e., roof tiles and electrical issues. Hence, my son and I don't have the money to repair the house for another insurance company to take over. The roof is especially critical with 50 % of the tiles needing repair. I don't know who to turn to. I don't want to loose my house and I am afraid to let the reverse mortgage lender know for fear of foreclosure. Please advise me! Thank you for your time and consideration in this matter.
Consumer complaint received 2020-02-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

My Grandmother passed away XX/XX/XXXX with no will. She had XXXX adult children who are the heirs. I live in her home and my mother, ( Heir 1 ) paid mortgage until XX/XX/XXXX, She had notified Ocwen of her passing. My mother moved out and I didn't learn the mortgage wasn't being paid until XX/XX/XXXXor XX/XX/XXXX. I received default notices and the amount to pay to bring loan current. So I called Ocwen to make sure of the exact amount due to bring loan current and up to date and pay them over the phone. They refused to speak with me and told me they would not accept payment because I wasn't on the loan account. They also refused to speak with both heirs also. I again tried paying in XX/XX/XXXX and they refused. Then XX/XX/XXXX I received summons for foreclosure. The heirs wrote the mortgage company stating they didn't have interest in home and they wanted me to assume mortgage or continue to pay. I was living in home. I hired an attorney and he wasn't communicating with me so I hired another one in XX/XX/XXXX and he filed answer to Summary Judgement hearing. Ocwen won because the lawyer didn't give me a defense in his answer per the judge. But the evidence they presented as Exhibits B and C were documents that didn't belong to my Grandmother. They had incorrect name, loan number, interest rate, principal balance, and much more. The payment history was so inaccurate, and was printed so small you needed a magnifying glass to see it. Everything was fraudulent. And they had lawyers and people swearing to reviewing these documents that belonged to a man in XXXX not to my Grandmother. This was their evidence submitted to the courts to win with. They also had lawyers fees for {$3100.00} for his time spent and documentation presented. They had foreclosure fees and costs separately multiple times a day with exterior inspections, property inspections, property valuation expense, title search, and they were listed twice on documents I received. They scheduled the foreclosure Auction for XX/XX/XXXX it was cancelled. Again on XX/XX/XXXX changed to XX/XX/XXXX and was cancelled. Now ive received a letter dated XX/XX/XXXX requesting to reschedule the foreclosure sale again because a successor in interest did not come forward. My aunt ( Heir 2 ) was trying to sell property before it was foreclosed and got involved with some shady real estate investor/broker and lawyer. So im confused as to what is actually going on with property because PHH has taken over for Ocwen and its a big fraudulent mess. The house has a lot of equity in it. More equity than what is owed on loan. Ocwen has violated many servicing laws and wrongfully foreclosed on my Grandmothers estate with fraudulent paperwork, forged documents, and incomplete and inaccurate payment history. Everything needs to be investigated from the start of the loan process.
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX XXXX XXXX with Bank of America Credit department reduced my credit card limit by {$15000.00}. I have had the card for 15 years and never had one missed payment up to that date. The reduction of credit was done as a result of me asking to have a lower interest rate and having won an arbitration against Bank of America in the past. Clearly retaliation on two fronts. The retaliation has caused me financial harm by causing my credit to be lowered and caused me liquidity and cash flow issues. 
Bank of America took a bailout from the U.S. taxpayer and now rips off the American taxpayer with predatory credit card interest rates and retaliates against employees and former employees. Clearly the government bailout of Bank of America led to the retaining of corrupt management which abuses the American general public.
Consumer complaint received 2019-07-04
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. (CA)

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 XXXX 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 below. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ;
Consumer complaint received 2019-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNIVERSAL COLLECTION SYSTEMS, INC (TN)

I checked my credit report and found a medical collection that is seriously effecting my credit scores. Universal collection Systems is reporting information that is inaccurate, This debt is not mine and is for someone else with similar name. I have made contact with the collection company whom has not validated that this debt belongs to me. I have not done business with Universal Collection Systems, below is the inaccurate reporting information.


UNIVERSAL COLLECTION SYSTEMS
XXXX XXXX XXXX XXXX | XXXX, TN XXXX 
Phone: XXXX 
Toll Free Phone: XXXX

Creditor Name
UNIVERSAL COLLECTION SYS


Account No.
XXXX


Original Creditor
XXXX XXXX XXXX XXXX  


Responsibility
Individual


Condition
Derogatory


Original Balance
XXXX


Balance
XXXX


Date Opened
XX/XX/XXXX 


Date Reported
XX/XX/XXXX


Remarks
Placed for collection
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (MD)

On XX/XX/2019 I were accused of two charges from a Person who does not match my legal name, age or and other specific identifications. My driving record and any other record is clean. I have never been indicted for anything. I work for the XXXX as a XXXX  and XXXX. With a XXXX XXXX ( I will not be able to have if I were charged ). I put a dispute in with Corelogic. The management company for XXXX XXXX   located in Maryland.
Consumer complaint received 2019-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY ()

Mr XXXX XXXX and Mrs XXXX XXXX XXXX / XXXX To Consumer Financial Protection Bureau Re : XXXX account ending XXXX and Platinum account ending XXXX In XXXX, we opened an Amex XXXX card offered to the XXXX XXXX XXXX Private Bank platform, of which we are clients. In the following month, we also opened a Platinum card. 

Since then, we have had multiple issues with the membership, causing us financial, security and even moral damages, and after several attempts at contacting Amex, no solution has been presented yet. 

Issue # 1 : Around [ XX/XX/XXXX ] of XXXX, we received an additional card that was never requested of a person that is not known to us, named XXXX XXXX. The card is linked to our account and can be visualized when we access our account online. Not only is a very serious security and financial, but it also created a very uncomfortable personal situation. 
A copy of the card and a screenshot of our online access showing the card is linked to our account is attached. 

Issue # 2 : Amex XXXX cards offered through XXXX XXXX have initiating fees ( {$5000.00} ) and first additional card fee ( {$1500.00} ) waived. However, we were unduly charged these fees : {$5000.00} on XX/XX/XXXX and {$1500.00} in XX/XX/XXXX. We have not yet been refunded, despite our complaint. 
( Copies of the statements showing the charges are attached ). 

Issue # 3 : Both XXXX and Platinum have terrible customer service lines. We can never connect and, when we do, the quality of the call is always very low. We have tried calling from different numbers, but we always encounter the same issue. Also, XXXX claims to offer assistance in XXXX, but that is not the case. Trying to resolve the issues above with this customer service has been impossible. We asked Amex for a physical or e-mail address to send a letter with our complaints, but after waiting on the phone for XXXX minutes, we were told there were none the only way to make a complaint is through the telephone. 

After months of unsuccessfully attempting to address our issues directly with Amex, we are turning to you hoping that you can help us reach a solution. To resolve the problem, we would like to have XXXX XXXX immediately removed from our account. We would also like a refund of the {$6500.00} paid in fees. Last, but not least, we also suggest improvements in the call center as well as the availability of assistance in XXXX, as advertised. 

We look forward to your reply. Please contact us at the above address, by e-mail at XXXX or XXXX or by phone at XXXX XXXX XXXX. 

Sincerely, XXXX XXXX and XXXX XXXX
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (VA)

I had open my account with American Express in XX/XX/XXXX when I seen the promotion that I would get 15 mos no interest. When my bill came in yesterday, I had interest on my bill. I called American Express today, XX/XX/XXXX, to see why and they said that my account had no promotion on it. I told her when I applied for the card that is was under this promotion of 15 mos no interest and I printed everything out where it did say I would get the zero interest for 16 mos. She said she was sorry and that my account was not eligible for the promotion. I replied to her and said " you cant make a promotion offer to someone and not honor it. Needless to say I am still paying the interest on the account.
Consumer complaint received 2019-07-04
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. (FL)

XX/XX/2011 I was a part of the XXXX XXXX breach. I received a urgent message saying it was time for me to change my password, threw my play station. I quickly changed my password and continued to play my game. Later on that month I received a letter from XXXX saying the company had a breach in the network and I was affected. At the time I did not know what that meant but I filed a incident report. Now I have accounts reporting on my credit report that doesn't belong to me.
Consumer complaint received 2019-07-04
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: URS Holding, LLC (TX)

This company failed to send out any written notice to me about this debt. I never got an opportunity to pay the debt prior to it being reported on my credit report. This company is illegally collecting in the state of Texas by violating Texas Finance Code 392, FCRA, FDCPA and CFPB regulations. IA complaint is being filed with the Texas Attorney General 's Office for this violation as well. Attached is a document showing they are not licensed. 

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 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service 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 via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. 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. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Consumer complaint received 2023-03-20
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX : {$6400.00}.
Consumer complaint received 2019-10-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I XXXX XXXX have been a victim of Identity theft and have been trying to resolve this problem with XXXX AND BANK OF AMERICA. I have submitted more than enough evidence to have this fraudulent account removed from both parties. None of these companies have resolved my issue and have violated my rights under the Fair credit reporting act and the Fair credit billing act. I have submitted complaints with the federal trade commission and my local police department regarding my concerns. I have sent them everything that is required by law to remove any fraudulent account and they have ignored my request.
Consumer complaint received 2019-07-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (CA)

My mortgage company roundpoint mortgage purchase my mortgage from my original lender and took control of the mortgage on XX/XX/XXXX of 2019 at that time it was discovered that there were issues regarding property tax payments from the original lender. I began the refi process in late XXXX making it very clear to the roundpoint mortgage representative that I was not going to and not able to bring any money to the closing and I was very clear of that both orally on the phone and in email. Nothing was ever said until we were about a week away from closing and then the issue comes up that I need to bring money to the table at the time of closing. The manager of the refi department at roundpoint went back and listen to all of our conversations and admitted to me that they did not make full disclosure about any programs about what my responsibilities were. Here we are now almost 14 weeks later I still haven't closed on my refi and I am going to be asked to bring money to the table. I was not given disclosure about what programs they were going to use what the requirements were for the program 's nor was I ever given the option to discuss what programs they were going to use for the refi. 
Now, if the refi doesn't go through I am going to be struggling for months to catch up not only with my mortgage but with my other debts due to the fact that I was told we were going to close in XXXX. This is not right, I want to close and I want to close the way will you agreed upon, silence is acceptance nobody ever said anything to me that we can't do a refi unless you bring money to the table.
Consumer complaint received 2019-07-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (TX)

During the life ( XX/XX/XXXX to XX/XX/XXXX) of the loan I was undergoing severe financial struggles. Due to stress and lack of transportation at a young age, this was my first car loan and I made a bad choice when I purchased the vehicle. It had tons of severe mechanical problems that were extremely high in cost to fix that the dealership did not disclose. Most of the late payments that were made were due to trying to fix and maintain the vehicle to ensure that it stayed in working condition and I could not afford to pay the loan and fix the vehicle at the same time. The loan provider showed little to no remorse in such situation and did what they could to ensure the vehicle left my possession after late payments.