davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-24
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SECURITY FINANCE CORP (TN)

I, XXXX XXXX, the consumer, extended credit in a consumer credit transaction to SECURITY FINANCE on Wednesday, XX/XX/2021 for {$1100.00} via my credit card ( 15 U.S.C. 1602 ( l ) ). In the agreement, SECURITY FINANCE were false and misleading and did not give full disclosure of the rightful original creditor. SECURITY FINANCE violated 15 U.S.C. 1602 ( p ) which states, " The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. '' I received no benefit from the use of my credit card and demand remedy. SECURITY FINANCE did not disclose my right to rescind under the Truth in Lending Act as well. 15 U.S.C. 1635 ( a ) states- " Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau , of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. '' As you will see in the contract that is attached, there is no disclosure whatsoever. On XX/XX/2021, a notary sent a Right of Rescission , Cease & Desist, invoice and an Affidavit of Truth via an Affidavit of Notary Presentment. SECURITY FINANCE did receive my documents, but I have yet to hear anything from them.
Consumer complaint received 2022-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I was accepted into the Florida homeowner assistance program back in XXXX. Supposedly the state of Florida sent out my first mortgage check on sept. XXXX to XXXX bank. XXXX bank claims they have never received anything but the state of Florida insist that the bank is holding up the check because they sent it to the correct address. Neither the state or XXXX bank are being helpful in tracking down these federal funds that were allocated to help homeowners like me. I have called the state and XXXX times and the state of Florida swears they have sent a check on XXXX and XXXX on XXXX to a XXXX XXXX XXXX XXXX, Ohio. XXXX bank has no way to check if they have received them or they arent accepting them, they dont care to help me and only want the payment made, they dont care to help track down mail with payments that has been sent to them. XXXX probably threw it out. I have no way to hold either party accountable.
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX AKA XXXX is not reporting correctly to Experian that my account was delinquent as of XXXX, 2010. This is extremely important due to the fact that adverse credit accounts are suppose to drop off of the credit bureau after seven years per the Fair Credit Reporting Act. The account was later brought current and paid off. It is still showing on my current Experian credit report when the credit delinquency if great than seven years. XXXX XXXX were reporting the XXXX 2010 delinquency 's correctly to XXXX and XXXX. The account has dropped off of these credit bureaus due to the 1st reported delinquency 's are greater than sever years old. I have contacted and requested twice now to XXXX that they correct the credit reporting with Experian. They have refused to do so. Experian defers to the lender so they will not remove it either. They are in violation of the Fair Credit Reporting Act. <P/>I have attached a copy of my mortgage Statement dated XXXX, 2010 that shows my payment due date is XXXX XXXX, 2010 which also shows 2 past due payments ( XXXX & XXXX 2010 ). See the bottom of page 2 in the attachment for past due details. I have also included a copy of my XXXX report that shows XXXX XXXX reported me as past due from XXXX thru XXXX 2010.  XXXX and XXXX has subsequently removed this from my file since it is seven years old as required by the Fair Credit Reporting Act
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (LA)

I changed my address with unemployment and it changed the address on my card and so USBank Reliacard blocked my card, saying they were not sure if it was fraud. Said I had to send in state ID and selfie i have been doing that for 4 days and they keep saying they have not received it or there system is down, I have had a couple agents tell me they received them, then they say no they did not receive them .I have uploaded them through the site they gave me, I have also uploaded through there document center, and also faxed them there is quite a bit of money on the can not use or even touch. And when it is unlocked I will barely be able to do anything because of all the restrictions they have put on it, I have a XXXX old who does not understand my card is locked. All she wants is to know why I can't buy groceries and other things she needs. This is the most trouble i have ever had with a card and I will be finding another card company for unemployment that won't block my card like this.
Consumer complaint received 2021-04-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Finkelstein, Kern, Steinberg & Cunningham, PC (TN)

1. I contacted Finkelstein about a debt settlement for my XXXX debt 2. They told me XXXX to settle the debt over the phone. They told me as long as I pay by the XXXX it will be fine. 

3. I asked them to send a letter. As of today I have still not received the letter. 

4. In good faith I sent the check on the XXXX through my bank and it was postmarked on the XXXX. 

5. They called on the XXXX saying the check was late and that I owed {$500.00} to settle the debt. Additionally the man said I actually owed XXXX which was not discussed over the phone 6. I told them it is postmarked so according to law they received the check. He told this isn't Texas it's TN ( Even though we have a Federal Law that says otherwise he yelled at me and said I was too smart for my own good and that it was a law office and that they know what they are doing. 

7. I felt threatened and offended by the statement and he was continue to yell at me over the phone. 

8. After the phone call the check was cashed almost 10 minutes after. 

I feel like that they held check to intentionally give me bad information so I could pay more. Because this tactic cost me {$300.00} more.
Consumer complaint received 2021-08-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NY)

I submitted a previous complaint against my loan servicing company Loan care for unfair loan modification practices. I was approved for the partial claim loan modification combo. I as a result of this loan modification program I was told that my new monthly payment would be XXXX. I was mislead by this company when I was told to sign the loan modification that would grant me the partial claim loan modification combo. When I called in to pay my mortgage I was told that my monthly loan amount changed from XXXX to XXXX. When I questioned what loan modification I was granted I was also told that I was granted the partial claim loan combo on various occasions when I Called in to speak to a Loan modification officer to address and get an understanding for such dramatic increase in new Loan amount. I never discussed with anyone in this company about wanting a standard loan modification. I was mailed a letter telling me that I was approved for the partial claim loan modification and that was what I understood I was getting when I signed the loan modification agreement. I would like to be considered for the partial claim loan modification I was approved for!!!
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (VA)

After being informed that a personal loan application was rejected on the basis of a reported credit card delinquency on my XXXX Credit Report, I downloaded a copy on XX/XX/XXXX to review the only credit card listed - American Express ( Amex ). 

Although Amex rejected my offer to allow the CFPB to review all account information submitted by both parties in support of my XX/XX/XXXX 'APR or Interest Rate ' Complaint and render a decision, the company instead retaliated by reducing my Clear  Card Max Balance from {$15000.00} to {$6500.00} and closing my Clear Card Account on XX/XX/XXXX ( see attached ). 

In addition to numerous other questionable activities that have been reported to the CFPB since ( see my complaint history ), Amex continues to engage in reporting misinformation to the credit bureaus designed to confuse and/or mislead potential creditors and other users into believing the account is still active and in arrears. 

Examples include that captured in the fields highlighted on the attached XXXX  credit report including the following : 1 ) Amount Put Due = {$2800.00} ; Date Reported = XXXX XXXX 2 ) Date Closed = Blank Enough already ... the account was Closed by Amex on XX/XX/XXXX!
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Attached to this complaint is a FTC Identity Theft Report. The following credit inquiries listed on my Trans Union, XXXX and XXXX credit report are fraudulent and unauthorized credit inquiries : XXXX XXXX XXXX   and XXXX XXXX XXXX.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3500.00}, {$3200.00}, {$1500.00}, {$14000.00}, {$4900.00}, {$3000.00}, {$1500.00}, {$1300.00}, {$9600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 


-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4900.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

7. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 


-- CLOSED ACCOUNT -- 8. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1300.00} -This is not my account. 


-- AUTO ACCOUNT 9. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account.
Consumer complaint received 2022-10-08
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. (MD)

THIS IS JUST EXTRA PIECE OF DOCUMENTATION PROOF OF MY IDENTITY THEFT. I TRIED TO UPLOAD TO service.transunion.com/ BUT I COULD NOT UPLOAD THERE FOR SOME REASON, I guess because of current dispute, SO I AM SENDING IT THROUGH THE CFPB PORTAL..BASICALLY IT IS THE DIGITAL COPY OF THE OFFICIAL POLICE REPORT! ..PLEASE ADD THIS DOCUMENT TO THE FRAUDULENT ITEMS THAT I AM DISPUTING ON MY CONSUMER CREDIT REPORT! ..THANKYOU
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for an American Express Hilton Honors Surpass card about XXXX months ago with the welcome offer of getting XXXX points after spending XXXX dollars within the first three months. But I realized that I still do not have the welcome offer points after I spent more than XXXX dollars within the first three months so I chatted with their customer services on XX/XX/2021, through AE mobile app. They declared that my welcome offer was denied due to a previous relationship with XXXX and asked me to call XXXX to review my profile. But I have never applied for a XXXX XXXX credit card and I did not understand it. And I called customer services on the same day, they promised to open an investigation for me regarding the welcome offer and email me the result within 10 days. Unfortunately, I did not get an email after more than 10 days. So I called them and they did not give me any specific reason why I was rejected since I do not have any XXXX XXXX card, the reason they claimed why I was rejected the first time. They just kept saying AE has the right to reject the welcome offer without notifying me. I would consider this as a false welcome offer promotion for our customers.
Consumer complaint received 2021-11-17
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting. 
XX/XX/XXXXXXXX XXXX {$7100.00} XXXX {$780.00}
Consumer complaint received 2019-02-11
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: SYNCHRONY FINANCIAL (MD)

I RECEVED AN EMAIL FROM XXXX  XXXX THAT THERE WAS AN INQUIRY ON MY REPORT ON XX/XX/2019,  IT WAS FROM SYCRONB/XXXX. WHEN I CALLED THEY HAD NO INFORMATION ON MY SOCIAL SECURITY NUMBER, BUT WHEN ASKED MY NAME I ONLY MENTIONED MY LAST NAME XXXX AND THEY ASKED IF MY FIRST NAME IS XXXX WHICH IS MY SONS NAME WHO IS XXXX XXXX AND DOES NOT APPLY OR IS ABLE TO DO SUCH FOR HIMSELF. SO THE GENTLEMAN SAID THAT IT WAS A CARD FOR JCPENNYS. I DONT EVEN SHOP THERE AT ALL AND HAVE NOT APPLIED TO ANY CREDIT CARD COMPANY AT ALL. THIS INQUIRY NEEDS TO BE REMOVED FROM MY ACCOUNT AS IT DOES NOT LOOK GOOD AND IS LOWERING MY SCORE.
Consumer complaint received 2021-02-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WESTSTAR MORTGAGE CORPORATION (TX)

I hope this message reaches you and your loved ones ; All healthy, happy, and well. I know you all must be swamped so I am going to just provide facts and your feedback is greatly appreciated. 
1. Divorce/court orders ( XX/XX/XXXX ) state that no changes to any accounts were to be made on my behalf. Many changes were made on my behalf but most importantly, my mortgage. 
2. My husband violated the court orders and filed a false forbearance claim ( XX/XX/XXXX ) and reduced his co

urt ordered amount ( s ) paid to our mortgage company. 3. Once my ex husband c
omplied with the court orders, ( XX/XX/XXXX ) I paid all debts to EXIT the forbearance program in less than a month ( XXXX ). 
4. I have worked, endlessly to comply with my mortgage company and ALL of the directions I had been provided which ended up with inaccurate results. I am at the end of my rope with XXXX.

5. Throughout my Divorce Decree, I agreed to refinance my home into my name alone ( XXXX ). I did so in good faith because I have good credit and a good job, as a XXXX, as I have been at for over 10 years. 
6. Neither my attorney or myself knew the current laws on refinancing after a forbearance ( which I did not apply for, have knowledge of, or agree with ) that would make it IMPOSSIBLE for me to comply with the final Divorce Decree.

7. I can not afford any more attorneys fees to go back to court and request an extension on the agreed decree regarding my home. Why didn't XXXX  ask if there were any standing orders? 
8. If I do not refinance by XX/XX/XXXX I will be forced to sell and the home is upside-down. Literally, I can not afford to fix it or lose it.

9. If I lose my home due to an illegal/forced forbearance I will probably have to move to a shelter. I am a XXXX, I don't qualify for public assistance, nor, do I qualify for FHA/Conventional lending because of this forbearance.
10. I don't understand how a forbearance claim was made that I was not aware of, I don't understand how I have drained every penny I have in savings so that I can refinance and nothing adds up. Nothing. I thought my forbearance period was over weeks before what is being reported now.

11. XXXX  website does not match their payment website. The dates do not make sense or add up.

12. My mortgage representative is very nice but LITERALLY, nothing adds up. After spending all of my future payments, selling everything I can, nothing adds up and no one else will review or talk to me about my account.

13. I am a month away from having to walk away from my house. I invested all of my savings from years ago and I'm about to lose it all and have no idea where I will go. I am beyond scared and frustrated. How can this happen?

14. Thank you for your review.
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (ND)

I am nearly due to start paying back my loans so I was going to call  XXXX   XXXX  to arrange payments. The first number   XXXX   provided was a scam and the company I called pretended to be Fasfa. They got me to give them a password request change number without realizing it until it was too late. Which gave them access to much personal information besides what I had provided. As soon as I hung up I started to try and rectify the problem I Had created. I contacted the bank, fasfa, the department of education, local law enforcement,  XXXX , etc.   In total I was scammed to give up information to a company that acted as though the were fasfa only later on saying they were not a government affiliated  site.They are  going by the name  XXXX   XXXX   XXXX   XXXX   Phone:  XXXX  The attorney generals office informed me to submit a complaint here.
Consumer complaint received 2015-12-28
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (CA)

I sent the money XXXX dollars from Western Union ( from a store in XXXX with Operator Id XXXX ). They did not pay my money back to my country and the status says paid. They gave me another tracking number for refund. I requested the store for a refund but they denied me to pay since the status is paid for one of those tracking number. I have been a victim of fraudulence since I was not given any reason for the refund and nor their operator knows about it. The store asked me to go to bank for the refund. I had to send money to my country for a very serious reason. I make good enough money as well. Please help me with that.