davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I received a promotional email from Capital One, telling me that I might be eligible for a new credit card. My credit score has recently improved and I'm interested in consolidating debt, so I decided to apply for pre-approval. I was pre-approved and it gave me three options to choose from as far as a credit card. I chose the Platinum Card, which told me that I would get at 0 % down, 9 month interest-fee period, and a variable APR of 26.99 %. However, the available credit line on the card was not listed, which is a much different experience than I've had with other lenders, that usually reveal the total credit line available, interest rate and other terms once providing me with options I'm approved for. 

I clicked on the Platinum card to learn more, believing the next window would crunch numbers and reveal to me my available credit line before I committed to the card. However, I was actually registered for the card and the total credit line was never revealed to me until AFTER they signed me up for the card. Since my objective is to consolidate debt, I NEVER would have agreed to a card with a {$300.00} line of credit. Approval was sent to me at XXXX XXXX CT on XX/XX/XXXX. 

I immediately called Capital One ( XXXX XXXX CT on XX/XX/XXXX ) to tell them to reverse the application -- that I did not want the card under those terms. However, I was told by a service rep ( after waiting on hold for nearly 30 min ) that this was not possible and my only option was to cancel the card. I explained that I never would have registered for a card that plainly told me that there was a {$300.00} credit limit, however, was told by the rep that in the terms and conditions " fine print, '' it explains all this. I told her that it is deception advertising to include only an APR in bold terms at the top, without also telling me how much I actually have in a credit line. 

Ultimately, my only option was to cancel the card, which will now negatively impact my credit score, which I have fought so hard to improve over the past few years. Considering I immediately took action and the account was both opened and closed within 45 minutes, this is ridiculous, particularly given the deception checkout flow and marketing.
Consumer complaint received 2020-11-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (FL)

ok. our mortgage company is amerihome mortgage. we have been struggling with them for almost 2 years now to be put into another payment plan. the first one we were in we had it all paid off and the last payment they returned and kicked us out of it. so since then we have been filling out packet after packet of paperwork, writing letter after letter of hardship, submitting countless bank statements, proofs of incomes and jumping through all of these hoops just to get some help from our mortgage company. we are even working with a hud counseling agent to help us with the process and getting nowhere but deeper in debt with our mortgage company. im finally at to where i could start making payments if they just put us in a payment plan already. now our home is in foreclosure. the first set of attorneys the mortgage company had is now being sued. we tried to make payments to the mortgage company and they denied us and referred us to the attorneys. tried paying them and they turned us down. now they are being sued. second set of attorneys have sent paperwork introducing themselves and nothing more. during all of this, we had make a couple of payments through the automated system of the mortgage company and they took it. we have proof on our bank statements. now all we want is from them to help us and place us in a payment plan to get us back on track.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC (NC)

Again, this mortgage company has marked payments as missed payments when they have received the payments. 
Payments for XXXX, XXXX, XXXX, & XXXX were ALL made on time and they reported them as missing payments causing my credit score to plummet. 
This is false information and is highly unethical of this company.
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

After reviewing my credit report I found personal items that are not correct. 

My name is XXXX XXXX - please remove XXXX XXXX XXXX and XXXX XXXX XXXX My telephone number is ( XXXX ) XXXX - please remove ( XXXX ) XXXX My address is XXXX XXXX XXXX, XXXX XXXX, CT XXXX - please remove these addresses that I have never lived at or may belong to relatives. 

XXXX XXXX XXXX. XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

After reviewing my credit report I found personal items that are not correct. 

My name is XXXX XXXX - please remove XXXX XXXX XXXX and XXXX XXXX XXXX My telephone number is ( XXXX ) XXXX - please remove ( XXXX ) XXXX My address is XXXX XXXX XXXX, XXXX XXXX, CT XXXX - please remove these addresses that I have never lived at or may belong to relatives. 

XXXX XXXX XXXX. XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion fails to remove a double reporting of the SAME account which XXXX says it is the same but because the card was changed they can not do anything. XXXX is not helpful because this is an error with the bureau. I am being bounced all over and I have proof it is a mistake. 

I have emails, 2 other bureaus and even a correct transunion but there is a second one added in XXXX  which was 3 years later it reported several late payments which I disagree with, it even says pays as agreed, XXXX balance opened same day every detail is the same on the newer duplicate yet the elder is correct & reflects like the other two bureaus.
Consumer complaint received 2020-08-31
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. (MA)

good morning! How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-11-01
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: BARCLAYS BANK DELAWARE (GA)

Barclays Bank US reported an unauthorized inquiry on my credit report on XX/XX/2020. I did not authorize this inquiry from this company, but the inquiry shows up on my XXXX Credit Report. I have contacted this company regarding this issue and they told me to contact the bureau and create a dispute with the credit bureau. Once I have done that, nothing happened, and the inquiry was not removed from my credit report. Furthermore, I have contacted XXXX and they told me that there was not a formal dispute process for disputing inquiries off of credit files. They have further told me that their process was that they send out a notification to the creditors to have them remove it. XXXX have done that three different times, and nothing happened, and the unauthorized inquiries still remains on my XXXX  report. I am very disgruntled regarding this matter and my next steps is to file a small claims lawsuit with the courts if this matter is not resolved immediately.
Consumer complaint received 2020-11-01
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: William D. Meeker Enterprises, Inc. (GA)

CIC Credit reported an unauthorized inquiry on my credit report on XX/XX/2020. I did not authorize this inquiry from this company, but the inquiry shows up on my XXXX Credit Report. I have contacted this company regarding this issue and they told me to contact the bureau and create a dispute with the credit bureau. Once I have done that, nothing happened, and the inquiry was not removed from my credit report. Furthermore, I have contacted XX/XX/XXXX and they told me that there was not a formal dispute process for disputing inquiries off of credit files. They have further told me that their process was that they send out a notification to the creditors to have them remove it. XX/XX/XXXX have done that three different times, and nothing happened, and the unauthorized inquiries still remains on my XX/XX/XXXXreport. I am very disgruntled regarding this matter and my next steps is to file a small claims lawsuit with the courts if this matter is not resolved immediately.
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

Sent dispute letter to experian on XX/XX/XXXX with copy of dL and ss card disputing fraudulent charges done by identify theft and haven received anything back
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

Ive had a PayPal credit card for several years. Due to coronavirus and a huge hit to my income I was unable to make payments for 3 months or on time. I finally got a XXXX loan for XXXX XXXX and tried to pay my credit card. They will not allow my card to be open. After having this credit card since XX/XX/XXXX. This destroys my credit at the time when I need it the most. 

As of today XXXX I had to call again to have interest fees waived after I overpaid on time to get my credit card and my credit in good standing.
Consumer complaint received 2016-11-08
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (FL)

I opened an American Express XXXX ( Amex ) credit card. Amex advertised bonus starpoints of XXXX for a friend referral. On XX/XX/2016, I contacted Amex to explain technical issues with their website prohibiting my friend from applying. I spoke to XXXX at Amex, ID XXXX, who asked for my friend to apply and that the points XXXX would be awarded later ( that I would get credit ). This never occurred despite my follow-up phone call on XX/XX/XXXX with XXXX ID XXXX. I am owed XXXX bonus starpoints for referring my friend, XXXX XXXX, who became an approved Amex cardmember as a result of my direction. 

I am also owed an additional XXXX bonus starpoints. On XX/XX/2016, I explained to the representative, Amen ID XXXX, that I had also referred my friendXXXX, and that I never received bonus points for that. Amen stated that he was sorry and would award me XXXX bonus starpoints. Unfortunately, I only received XXXX bonus starpoints. I am owed XXXX bonus starpoints as a result of the promise of the representative, Amen, on my conversation on XX/XX/2016. 

In sum, I request that Amex provide me XXXX bonus starpoints for the XXXX issues explained and to force them to comply with the terms of their consumer debt services.
Consumer complaint received 2022-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

I was told to send a friend money from their cousin, so I did so and a month later the cousin refuted it as fraud so the bank reverse the credit and XXXX dollars was taken out the account but now the cousin got XXXX and my ex friend has XXXX
Consumer complaint received 2020-08-31
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: EQUIFAX, INC. (MA)

good morning! How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-08-31
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. (MA)

good morning! How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I sent a letter to both XXXX  and Experian requesting that they remove the inaccuracies from my report. I also provided a copy of my report from XXXX XXXX  showing that inaccurate items that were deleted, and they have yet to correct my report on their end.
Consumer complaint received 2020-10-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (GA)

My ex-husband and I closed on our house on XX/XX/XXXX, and have yet to receive the remainder of our escrow account from Caliber. They claim they sent one check out, but we never received it. We still haven't received our second check, even though they claim it's in the mail. I offered to send them a tracking label and envelope, and they wouldn't take it. In the meantime, they sent us a letter offering to refinance our mortgage with them. They clearly aren't sending us this money.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Express Recovery Services, Inc. (UT)

Express Recovery is reporting erroneously on my credit file. I had recently checked my credit and noticed these debts. I never received any notices, calls, or letters about this debt. I called and paid this debt. When i called and spoke with them I requested the collection accounts be removed from my credit file since i was not made aware of these collections and they denied my request. I have now disputed it multiple times with the creditor directly and with the credit bureaus and the accounts remains on my credit file. I have called back and requested they remove this debt and have been denied every time. This is now getting in the way of me obtaining financing and i don't know how else to get this item deleted off of my credit file. I never received any notice of the debt or else I would have paid it before it even went to my credit file and ruined my credit. I have now paid and it is still ruining my credit. How can they even do this? I know that they have the power to add and remove items from credit and i do not owe them anything and it is not fair that they can continue to ruin my credit by reporting this collection THAT I DIDNT EVEN KNOW EXSISTED. I need these collections removed ASAP as they are affecting me when trying to obtain financing. I am ready to contact a lawyer if needed to fight this off of my credit. They have made various violations and should remove these debts from my credit file.
Consumer complaint received 2020-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

My HSBC credit card had a fraudulent transaction, thus I closed my HSBC card. When I had my new card issued by HSBC, I paid off the remaining balance. However, my balance has always been very high even though my purchases were all small. When I looked through my online statement, I saw that HSBC sneaked in {$470.00} in balance stating a " transfer '' from my old account ( even though the balance from the old account was paid off at the time of closing ). Not only that, HSBC added a balance instead of a refund for one of the transactions refunded to me by the merchant ( the merchant refunded - {$82.00} but HSBC posted as " + {$82.00} '', to make my balance go higher ). When I called and disputed, it took a month for HSBC to refund me. However, they placed the credit to a closed account instead of transferring the credit to the new account. Then HSBC sent me a statement of TWO credit cards ( one is for the open credit card, and one is for the closed account with fraud ). 
In other words, HSBC intentionally transfer any fraudulent amount to the customer credit balance but dont tranfer any credit/refund. This bank is doing fraud and it needs to stop. 
New credit account : XXXX XXXX XXXX XXXX Closed accounts due to fraud but are still being billed : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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 Original Creditor : 12 XXXX ) XXXX, XXXX XXXX Original Creditor : 01 XXXX ) XXXX, XXXX  XXXX  XXXX and XXXX  XXXX  XXXX
Consumer complaint received 2020-11-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rubin & Rothman, LLC (NY)

Most recently I received a judgement by the XXXX civil court in XX/XX/XXXX following a request to vacate claims against me, under, False and misleading representation and debt, Section 807- a, 4 and 9. For unfair practices Section 808 -1 and Section 809- a and c. I continue to be harassed and violated. On XX/XX/XXXX my bank account was charged citing a legal order I have no knowledge of. In this case again they fail to provide validation of debt or provide me proof of a legal order. XX/XX/XXXX bank was also not provided with proper information about the matter of which this event originated. My account was withdrawn {$5700.00} and XXXX of which was not specified from why. 

I am beginning to notice a pattern with Rubin & Rotham and XXXX XXXX. My encounters with both of these companies date back to XXXX. This is harrassment. 
It became more apparent last year when XXXX XXXX was suing me, for a medical bill and Rubin and Rotham also initiated a claim against me at the same time. This year they are both back, coming after me again. This time in full violation as if I do not get the right to protect myself. On XX/XX/XXXX Rubin and Rotham took XXXX, XXXX dollars from my account plus a separate amount of XXXX for XX/XX/XXXXknows what!!! .. I received no notice. In fact it was brought to my attention after I called my bank regarding another notice I received Rubin and Rothams partner in crime XXXX XXXX on XX/XX/XXXX ; threatening me with a notice to restrain my bank account on a claim I agreed to pay last year and am still paying each month up to this very month ( XXXX ) they are taking XXXX from me.
Consumer complaint received 2023-03-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

Not converting trial my modifications into permanent loans Most loan modifications begin with a three-month trial period. As long as I makd timely payments during that trial period, the loan modification is supposed to be converted into a permanent loan modification. Servicer failed to convert my trial periods into permanent modifications.Billed me out side the XXXX the entire modification process, although I was given a trial payment which I fulfilled the agreement.