davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

XXXX  and XXXX  a for y experience the worst companies on earth. I was the founder and CEO of two companies myself and they will have been bankrupt if they were not in a MONOPLY business blackmailing customers with wrong information. 
You wait HOURS on the phone to get someone and they provide no JUSTIFICATION..nothing ..
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (MI)

Someone used my identity to open an account with US Bank. The information on file with US Bank says that this account was opened and used by someone in XXXX. I have never been nor do I live in XXXX. After trying after trying to solve this problem I was told by XXXX and the credit card company will XXXX US Bank to file a report. My contact number is cell phone XXXX please feel free to contact me at anytime thank you
Consumer complaint received 2020-09-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TN)

I started the mortgage refinance with this company on XX/XX/2020. I was told there is a {$500.00} processing fee, which i paid. An appraisal was done and paid for as well. 
It has been 60 days and no indication as to when this loan will close. When asked about the delay, i got the following response which did not give me anything specific. 

. I understand you wanting to close. The main problem isnt with Amerisave or any other lender at the time, its the consumer not understanding that everyone is refinancing at the moment and things are taking longer than normal. Your loan is in the processing queue and once a processor is assigned to the loan they will help us get to the closing table. Please understand that there is going to be a wait period no matter what lender you go with, so you might as well get the best deal in which what we are going to give you!
Consumer complaint received 2017-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (MA)

On XXXX/XXXX/17 I called Home Shopping Network ( HSN ) at XXXX to order an item for {$49.00}. XXXX, the representative, told me if I opened an HSN credit card I could take {$40.00} off my total. I agreed and she processed my order. I then asked her what the interest rate was on the credit card. She replied that after we were finished, I should not hang up ; I would be transferred to a recorded message and terms would be disclosed. We finished and I did hear a recorded message about the account, but there was NO MENTION of the APR, or any other financial information about the account. Only when I received the card with the agreement in the mail did I learn the interest rate is 27.74 %.
I have attempted to email HSN at least ten times through different " Email Us '' links on their website, and using two different browsers. No email will go through.
Consumer complaint received 2020-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (NJ)

Frontline has infringed up my rights to privcy as a consumer. They are in violation of the following sections of the Fair Debt Collection Practices Act.

1. 1692b ( 2 ) 2. 1692 ( a ) 3. 1692b ( 5 ) 4. 1692 ( d ) 5. 1692 ( d ) 2 6. 1692g ( c ) 7. 1692e ( 14 ) 8. 1692c ( a ) ( 1 ) 9. 1692c ( a ) ( 3 ) 10. 1692c ( a )
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I pulled a copy of my credit report and noticed that the account from XXXXXXXX XXXX XXXX is being reported as a repossession. There is no deficiency balance, this account has been paid as agreed and reporting this information is inaccurate. I have reached out to all XXXX credit bureaus to have this information corrected with no formal response. 

This information being reported to my consumer report is in violation of 15 USC 1681. 

I have the right to privacy and have not given written consent for this misinformation to be reported. 

Furnishing my transactions and experience are violating my consumer rights. But most importantly each company has the responsibility of reporting maximum accuracy and not doing so is also in violation.
Consumer complaint received 2021-09-15
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2019-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Debt Reduction Services, LLC (MA)

I received an official looking notice with an exterior label entitled " Credit Card Settlement ''. Inside this company implied that I had outstanding debt in collections and that I must contact them within 10 days to avoid an increase in debt due to interest and possibly fines. 

This is a high pressure and misleading notice, as I do not have any delinquent accounts. If this is not a prohibited advertising tactic, it should be.
Consumer complaint received 2020-06-02
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: ONE REVERSE MORTGAGE, LLC (FL)

We were advised to get a Reverse Mortgage by One Reverse Mortgage. Funded on XX/XX/XXXX. Original Principal Limit : XXXX one lump sum that we could invest and receive a monthly income. We had no idea how the Current Principal Limit could grow now to be XXXX with monthly interest XXXX plus service fee and MIP compounding monthly. 
My husband was XXXX and I was XXXX. We were getting married. We had been living together in our home since XXXX. Since my husband added my name to the deed. My name was still in my maiden name. 
At the time the lender told us I was the non-borrowing spouse and couldn't be on the mortgage because of my age. Then he said, " no worries, '' you can be added to the loan when you turn XXXX! '' So we both signed. 
Since turning XXXX, we have been attempting to get help with this. We immediately called after my XXXXnd birthday as we knew how important it was. Now we are afraid if something happened to my husband I would have to leave our home I've lived in for the past 15+ years. We feel the lender violated the law during our loan process by telling us this. We never would have signed otherwise. We were not counseled about " risks '' but just options, i.e lump sum or not etc. He was predatory, constantly calling us to do this. Then afterward he was nowhere to be found to question. 
This reverse mortgage has been through many companies the final now being XXXX XXXX XXXX of whom we have contacted many times. 
We've tried for six years and now finally wish to get this resolved and behind us as to what will happen. We have called and we have written. ( enclosed ) The original adviser went to California and left Florida where our loan was made in our home. 
Dates of contacts were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX plus many more and many telephone calls. We have a very large file of information from years of trying to get help. 
We were particularly vulnerable I suppose and that's no excuse, but we trusted what the lender told us. I am now XXXX and have XXXX XXXX This would be a terrible hardship for me to leave my home. Reverse Mortgages may help some cases but in ours it has become years of anguish, regret, and constant worry. Be sure to understand if you are not married at the time of signing. They may tell you that you can be added later but it's not true? Beware of being taken advantage of during counseling. 
Most recent calls were made XX/XX/XXXX 4 times. Someone did call back only leaving their extension but no telephone number. We tried calling back many times but got no response. One Reverse Mortgage, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

DELETE ENTRY UNLESS ACCOUNT CAN BE VERIFIED THROUGH AN APPROPRIATE SOURCE ( COURT ). PER FCRA ENTRIES SUCH AS BANKRUPTCIES CAN NOT BE VERIFIED VIA THIRD PARTIES SUCH AS PACER. 

IN ADDITION THE 3 BUREAUS INFORMATION IN REGARDS TO THIS ONE ACCOUNT IN INCONSISTENT IN MANY WAYS.
Consumer complaint received 2019-05-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (IL)

Requested validation of debt sometime in XX/XX/2019, received a response on XX/XX/2019. The response was only a print out of services and included protected HIPPA information. I feel violated that my HIPPA information was disseminated without my authorization.
Consumer complaint received 2020-09-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (SC)

Problems with the incompetent company known as PayPal once again. This time they have " lost '' for payments totaling over {$800.00} dollars. 

The ID # s for the items sold on XXXX and the amounts are as follows. ID # XXXX in the amount of {$400.00}, ID # XXXX in the amount of {$70.00}, ID # XXXX in the amount of {$260.00}, ID # XXXX in the amount of {$79.00}. 

Paypal will give the excuse that they do not have personnel dedicated to resolving issues due to COVID 19. I did not know that you could catch the disease from a telephone conversation. Who knew?? 

Every effort needs to be taken to run the flim flam operation known as PayPal out of business. They have absolutely no business handling financial transactions of ANY nature. 

Complete incompetence. 

Thank you for your assistance. 

Kindest Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-25
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. (VA)

I disputed that the date was wrong on my bankruptcy were wrong with XX/XX/XXXX and uploaded paperwork and asked for them to remove said item. They updated the bankruptcy to a different date and it is still wrong. They have not VERIFIED anything at all and is putting false information on my credit report and I want it to be deleted ASAP
Consumer complaint received 2018-10-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC (TX)

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 ). The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on. Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by { {$10000.00} } per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request 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 ).
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I filled Bankruptcy in XX/XX/XXXX and it was finalized in XX/XX/XXXX. I am asking for all three reporting agencies to remove the remarks from public records. I realize that they have the right to report up to 10 years, however given my payment history since then i am requesting an early dismissal of that reporting. At this point its simply defamation of my history because in fact i have a stellar history for the last 9 years. Please let me know what can be done about this. Thank you.
Consumer complaint received 2019-05-30
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My card was being used fraudulently. I had 3 transactions that I did not recognize among the most obvious ones. These are the transactions in question : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX They are placing transactions on my card that do not belong to me. Once I raised that flag they opened a fraud case and wanted me to pay the full amount of the card before they would refund any money. They have shady practices and are accusing card members transactions being made when they are not.
Consumer complaint received 2020-09-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

I have made numerous complaints and never get a satisfactory reply or a truthful one. 
The specialized loan servicing people have breached the contract they are using to try and collect payments. On page 4, section E describes the interest limit as not to exceed the maximum rate permitted by law if lower. For over a year when payments were being made SLS exceeded the Kentucky Usury law of 8 %.

I have numerous times asked for an attorney to contact me as well as tried direct contact and was ignored. I have stopped making payments because SLS/XXXX XXXX XXXX XXXX   XXXX have an altered contract designed to collect under false pretense, Now because of breach of Usury law I believe they owe me money. I am attaching a copy of the page that describes this. In the event I have misinterpreted it, have an attorney contact me, not employees.
Consumer complaint received 2017-08-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: OpenRoad Lending (FL)

We started a refinance with openroadlending. We have good credit and was able to get a new mortgage easily in the last two months. We were just interested in lowering our truck payment. They have lost documents, sent me emails that were sent for others. They do not know what they are sending out or saying most of the time. They asked us for our award letters for our pensions. We sent copies. Then they asked for a copy of our bank statement to show they went in. Now they want tax documents! FOR A CAR LOAN. Talking to the supervisor, I find out that they do not even understand what a defined benefit pension is, or how it is paid out. In the process, they have lost one of the award letters with our social security numbers on it. The service has been terrible, and the loan terms changed through out the process. We had started another refi with them and the loan terms also changed from what we had agreed on. That is only a few of the mistakes made by their " loan specialists ''. I want their inquiries on our credit report removed and I think they need to seriously be investigated. I Have multiple emails from them with many of the mistakes they have made. I also want all our documents returned! I seriously  wonder who is stealing our information at this point! XXXX and XXXX XXXX
Consumer complaint received 2023-01-31
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2020-05-05
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)

Missed payments for my XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX credit card is incorrect. I have never missed or had a late payment with the above creditors. All of my payments has been on time.
Consumer complaint received 2020-05-05
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. (MN)

The following collection account listed on my XXXX, Equifax and XXXX XXXX credit report, is fraudulent and not my account : XXXX XXXX, a debt of {$5000.00} owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Minnesota. The debt is fraudulent, the result of identity theft and not my debt. The following credit inquiries listed on my XXXX, Equifax and XXXX XXXX credit report is fraudulent and unauthorized : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. The credit inquiries are fraudulent and unauthorized.
Consumer complaint received 2022-04-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-05
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: Santander Consumer USA Holdings Inc. (MA)

I don't remember paying late on this account. Why do I see 30 days late remarks. 
SANTANDER - XXXX XXXX XXXX XX/XX/2019 XXXX  XX/XX/2019.
Consumer complaint received 2020-05-05
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. (MN)

The following collection account listed on my Experian, XXXX  and XXXX XXXX credit report, is fraudulent and not my account : XXXX XXXX, a debt of {$5000.00} owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Minnesota. The debt is fraudulent, the result of identity theft and not my debt. The following credit inquiries listed on my Experian, XXXX  and XXXX XXXX credit report is fraudulent and unauthorized : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. The credit inquiries are fraudulent and unauthorized.
Consumer complaint received 2020-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Springer Collections Inc. (MN)

Im receiving letters and phone calls of harassment, abusive and profane language, garnishment of bank accounts, death threats and threats of being sent to jail and prison continuously from Springer Collections Representatives for a debt of {$5000.00} they say I owe to XXXX XXXX XXXX for Child and Family Development in XXXX, Minnesota. The debt is a fraudulent debt and and is the result of identity theft. The debt isnt my debt. Springer Collections are in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota.