davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TN)

Freedom Mortgage has a very, very dated website that is extremely glitchy and won't process payments half the time. I paid my bill online, but it did not go through. I was not aware of this. Freedom did not place one single phone call to me to advise me that they never received payment. They called my husband ( co-borrower ) once, but it was to offer a refinance, NOT to advise him that the payment was late. They have marked mine and my husband 's credit ( which has tanked our scores ), and they will not budge and offer a goodwill adjustment. I have sent them the following documentation : 1. Screenshot of my online browsing history showing I was logged into their system, paying or attempting to pay the bill, before the due date. 
2. Screenshot of my checking account balance of the day I was online, with more than the amount available in the account ( which was there, and supposed to go to them ). 
3. A copy of my exceptional credit rating, showing that late payments simply do not happen with me. 

We have sent multiple emails with the evidence I just described, showing that this was a fluke mistake. We emailed all of the executives, including the CEO. The VP of customer service even admitted, in writing, that their IT department found that the system was down while I was online, yet claims they can't amend the 30 day late mark on our credit as it is illegal. IT IS NOT MY PROBLEM THEY HAVE AN UNRELIABLE AND GLITCHY WEBSITE. There are dozens of consumer complaints on The XXXX ( and XXXX, and virtually every other outlet ) website outlining the same problems I'm having. I have paid my bill on time, every month like clockwork, and they refuse to give me the benefit of the doubt. My loan is all paid up and current, and all we are getting from them is " we can't do that '' regarding a goodwill adjustment. They seriously have the worst website interface I have ever dealt with, and payments do not go through. The fact that they DID NOT CALL ME ONE SINGLE TIME to try to rectify the situation, yet they mark my credit. I have proof this was a big misunderstanding, yet they will not budge. This is very unfair business practice. My credit score has tanked from over 800 to barely 700. It's not my fault they have a terrible, glitchy, unreliable website interface ( that many others have complained about ), and it is beyond incompetent that NOT ONE SINGLE PHONE CALL was made to me to let me know they never received payment. Instead they just wait and then ruin our credit.
Consumer complaint received 2022-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARS National Services, Inc. (WA)

1 ) Received Debt Collection letter by 2nd party debt collection.

2 ) Debt has already been paid in 2019 through Sign In America.

3 ) Notice was sent to ARS National Services Inc.
Consumer complaint received 2018-10-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FCI Lender Services Inc. (CA)

My house was foreclosed on a XX/XX/2018 and there was a bankruptcy filing that discharged the debt owed on the second mortgage in which XXXX XXXX is claiming. On multiple complaints I've requested for a simple letter from XXXX XXXX XXXX XXXX XXXX to relieve me of the debt that is no longer owed, but yet again it appears that they want to resell the discharged debt to another collector and creating more distressful life for us.
Consumer complaint received 2022-03-14
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Card Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A, States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (WI)

Complaint, Resolution needed Consumer of : HSBC, XXXX XXXX XXXX., New York, NY XXXX Good Afternoon : After a very cumbersome account set-up process, over the course of several weeks, including endless codes and security measures resulting only in a loss of my time, HSBC has now blocked my account online and is using " security '' as justification for terribly deficient service. And the account is anything but secure. On XXXX, I was finally able to access my account online. While I was in the system, I changed my address. It was not critical, as I elected online access, but when we move we change our addresses. On XXXX, I received an email with a verification code and was asked to call. I did and eventually was able to provide this to the representative. He then abruptly moved the " goal post '' asking if he could call me back to verify. The code was unusual, this was more unusual. I gave him my new phone number, entered into the system by me, computer addresses are recognized now, the night before. He returned my call only to tell me he would have to send verification to my old phone number or, as I learned, there is a phone number ending in XXXX in the system -- not mine or one I have any knowledge of whatsoever. What happened to the security code? I later talked with his supervisor who went into an interesting explanation of address verification via credit reports -- as if we check in with credit bureaus before changing addresses. To date, HSBC will not change my phone number or address and claims that they can only verify the address change using a phone number that is no longer mine or the one that was never mine ( ending XXXX ). Today, they continue to completely block me from my account. I see online that people are withdrawing their money from the new accounts without the promised promotion -- and I'm sure the withdrawal is no easy task. I need your help resolving but I do hope you will also keep in mind that they may well be leveraging government " money laundering '' concerns to hang on to assets, that I can't see, and as a distraction to paying promised promotional monies ( my exasperated neighbor was told that they would not be receiving a {$400.00} promotion because of some obscure problem with the online application ). 

Thank you for assistance, XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
Consumer complaint received 2018-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/XXXX I contacted the XXXX I continued to go back and fourth with the company until the XX/XX/XXXX when the XXXX closed the case even though a solution was never reached. And the bank never actually replayed through the XXXX they just sent me letters so the XXXX closed the account with no findings. And the company just kept going in circles and never actually responded to my concerns. 
My account was closed with no notification and they are unable to tell me the reason why it was closed. I opened an XXXX XXXX credit card about a year ago ( while under a bankruptcy ) I have been in good standing ever since. on XX/XX/XXXX my card was declined, when I called the bank I was told the card was closed and that it was due to a change in my credit, when I asked what the change was she told me a list of samples ( she was unsure which one applied to me ). I contacted XXXX XXXX and ordered a full report, but from what I seen online my credit went up in points from when I first applied, the last time the bank checked my was in XX/XX/XXXX ( I called XXXX XXXX and confirmed ), I only have three cards that were opened after the bankruptcy including them and they are all in good standing and paid in full up to date, and anything else before the bankruptcy is closed due to it. I called back XX/XX/XXXX and asked to speak with a manager, when I told her I spoke with XXXX XXXX and I am able to see my score its only gone up and can see tell me what the change was? she told me she is unable to see my report only my score. I than asked what was my score and she than changed and told me she is unable to see my score. I than mentioned that the last time shown that the bank checked my credit was XX/XX/XXXX, she said that the computers check at random that they cant see anything or no when or why its done. I asked why I was never sent any type of notice that this was happening and she told me once again that apparently the computers send out the notices as well. she said I can try to fight it but they don't just open the card again, they re-check you credit ( so my credit will be affected twice from the closing and from them checking to re-open )
Consumer complaint received 2018-10-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MI)

For 5 years now I have paid on a Santander loan that never seems to lower they will not lower my payments they will not lower my interest rate I pay on time they report to the credit bureau that I'm paying late it's automatically taking out of my savings account every month my over 10 year old car is  costing me {$500.00} a month that I have paid for 5 years or more. They will not fix anything this is been going on for the past several years with too many phone calls and letters written to even count. It's destroyed my credit that otherwise would be fine as I have no derogatory marks on my credit.
Consumer complaint received 2018-10-31
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: U.S. BANCORP (MN)

My Mother XXXX XXXX, passed away on XX/XX/XXXX. She opened up a US Bank Platinum Visa Card XX/XX/XXXX. Her payments were set-up as autopay from her checking account above minimum payments were paid monthly as she was able to make them. She was responsible for keeping track of her finances. 

To my knowledge she added me as an authorized user of the card when her health declined in XX/XX/XXXX. In spring of XX/XX/XXXX I reviewed her credit card bill and found many charges she did not authorize. I contacted vendors to reverse charges as I felt elder abuse was happening to my Mom. Her health was declining and her ability to manage finances declined. All US Bank credit card bills were mailed to her residence I did not receive bills. 

On XX/XX/XXXX the account was closed.While my Mom was in hospice her mail was forwarded to my address. Shortly after that the bank informed me I was responsible for this debt. The current balance is {$4900.00} I was offered a hardship payment plan for $ XXXX/mo for five years or a pay off for $ XXXX.I refused due the fact this is not my debt A letter has been sent to the Minnesota Attorney Generals office to US Bank . The bank still claims I am responsible. I dispute this claim as I had no idea I was listed as a co-owner, I am XXXX years old my only income is social security I am debt free other then the mortgage on my house. I still need help to settle this issue and restore my credit.
Consumer complaint received 2018-10-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (PA)

I have a XXXX XXXX Visa Credit Card provided by XXXX XXXX I transfer my balance {$7000.00} to three different credit card debts on XX/XX/XXXX. {$1400.00} transfer to XXXX XXXX by XXXX XXXX credit card, {$3000.00} transfer to XXXX XXXX, and {$2600.00} transfer to XXXX XXXX credit card by XXXX XXXX  credit card again, and the last transfer have failed, {$2600.00} didn't go to XXXX XXXX   credit card, but XXXX XXXX Visa Credit Card balance it been transfer. 
I have call four times customer representatives, first one POOr Attitude, second one very nice give me advice to apply a dispute by letter, third one she is very patience and  professional, and last one she put on hold and never answer me again.
Consumer complaint received 2022-03-14
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. (NC)

For the past 2-3years I have being disputing to charge off account on my credit report. I filed several disputes with transunion and XXXX everytime the dispute results come back verified. Either company investigated my dispute for XXXX XXXX  XXXX  or acceptance now. I did the investigation on my own and acceptance now couldnt provide me a contract to validate the debt plus it was an insurance claim on it. After several calls threaten to sue they removed the inaccurate information that been on my report for 6years and XXXX wasnt about to provide the full contract to validate the either they sent me some of the pages and the past due amount they been reporting on my credit for past 6 years was incorrect. I spoke to a supervisor with XXXX XXXX  XXXX  and I was told that they credit reporting department has been down since 2020. Im in the process of buying a home so I made a settlement on that account for XXXX but I was during that conversation that my past due amount was XXXX but XXXX had been reported for the past 6 years and these credit reporting companies are allowing inaccurate information to be report on my credit and other consumers credit reports. Something need to be done about these companies ruining people lives for debts that not being reported correctly and them not fully investigating the issues because these lenders that are reporting pay them and the consumer not so they dont really care if the information is correct or not they just want to make money and destroy lives because everything is basic on your credit. Please hold these credit reporting companies accountable for their actions
Consumer complaint received 2018-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I've had Capital One Credit since XX/XX/XXXX. It was my first credit card and I was beyond happy that I had gotten approved, being that I was fresh from college. Long story short things happened in my life and I lost track of my payment due date one month in particular, XX/XX/XXXX, after having 8 on time payments, I missed that payment. With everyday life circumstances going on in my life, moving to a different city, life as a young mom it was stressful. However, it's now XX/XX/XXXX and I have NEVER missed another payment with Capital one since, and this one missed payment is having a negative impact on my credit and is causing me to suffer from advancing in my personal goals. I've been so loyal to the company that I applied for another Capital One Journey Credit card and was approved in XX/XX/XXXX, and I've never been behind on my payments. I'm just praying that someone can help me out so that I can further my future for the sake of my family. This issue has been a nightmare to me, because I'm really trying to obtain a high profile job with my degree.
Consumer complaint received 2019-03-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (IL)

First we have had a mortgage with US BANK for more than 13 years we have been charged 9.5 % interest the whole time we requested a refinance and was denied cause they can make more money this way and because the house is located in the flood plain we cant find another lenders and are forced to pay this ridiculous amount
Consumer complaint received 2019-01-10
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: EQUIFAX, INC. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead its actually you that are the actual furnisher and this account is reporting inaccurately. ThereforeBankruptcy XXXX XXXX-dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX WI XXXX Bankruptcy XXXX 7-discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX account ) should be removed from my credit report entirely for false reporting!!
Consumer complaint received 2023-03-21
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

For the past 2-3years I have being disputing to charge off account on my credit report. I filed several disputes with transunion and XXXX everytime the dispute results come back verified. Either company investigated my dispute for XXXX XXXX  XXXX  or XXXX XXXX. I did the investigation on my own and acceptance now couldnt provide me a contract to validate the debt plus it was an insurance claim on it. After several calls threaten to sue they removed the inaccurate information that been on my report for XXXX and XXXX wasnt about to provide the full contract to validate the either they sent me some of the pages and the past due amount they been reporting on my credit for past 6 years was incorrect. I spoke to a supervisor with XXXX auto financial and I was told that they credit reporting department has been down since 2020. Im in the process of buying a home so I made a settlement on that account for XXXX but I was during that conversation that my past due amount was XXXX but XXXX had been reported for the past 6 years and these credit reporting companies are allowing inaccurate information to be report on my credit and other consumers credit reports. Something need to be done about these companies ruining people lives for debts that not being reported correctly and them not fully investigating the issues because these lenders that are reporting pay them and the consumer not so they dont really care if the information is correct or not they just want to make money and destroy lives because everything is basic on your credit. Please hold these credit reporting companies accountable for their actions
Consumer complaint received 2018-11-01
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. (NC)

XXXX XXXX XXXX has been paid in full with settlement offer they are still reporting that I owe {$590.00} when my balance is now {$0.00} they also said that they will remove it from my report. I have proof that it was paid off onXX/XX/2018.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (MS)

Starting in the month of XX/XX/2022 on my Suntrust/Truist bank account they charged an overdraft fee that was not legit that caused the account to overdraw and then every subsequent charge that day also had a fee. There would have been a total of five charges that day that would have cleared and not have overdrawn the account. When I called the bank they say to call corporate and corporate ignored me and said the charges were legit. I went into the location and the woman I met with agreed these charges were not right but could only refund one of the 5 disputed {$38.00} charges on the business and 1 {$36.00} on my personal and said the manager would have to do the rest but he won't call me and has yet to do so and they have done this again in XX/XX/2022 also on this account and on my personal account. No one is willing to resolve and can not even get the debit card for an account I have with them sent to me.