davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation (CA)

XXXX XXXX XXXX negotiated settlements with Creditors. XXXX XXXX XXXX appears to made payments late and bounced a check. XXXX XXXX  for my Mastercard and XXXX accounts took payments late then are calling stating agreements will not be honored. Even though XXXX XXXX  eventually got every XXXX of the agreements they will not honor them Due to COVID19 I have no money I lost more then 50 % of my income. I can not pay all my bills.
Consumer complaint received 2023-03-24
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. (NY)

This is the list of evidence regarding my billing dispute for my HSBC Credit Card in the amount of {$1000.00} from XXXX XXXX XXXX posting on XX/XX/2022. 

1. Receipt dated XX/XX/2022 for XXXX # XXXX for the total amount of {$1000.00} 2. Email from event organizer dated XX/XX/2022 informing me of the cancellation of the event and that refunds will be issued. 
3. Email from event organizer dated XX/XX/2022 informing me that the refund of {$1000.00} for Order # XXXX was processed on my old XXXX XXXX ending in XXXX 4. Email from event organizers customer service dated XX/XX/2022 confirming that the refund would go into my account automatically even if my card number has changed ( HSBC changed my credit card without my prompting ) 5. Email from event organizers customer service dated XX/XX/2022 stating that their records indicate that the funds were accepted by HSBC, with the authorization code XXXX. 
6. List of all transactions for my credit card account from XX/XX/XXXX to XX/XX/2022. The refund is not reflected on this list. 
7. List from my HSBC rewards transaction that shows a Purchase Return dated XX/XX/2022 for the amount of {$1000.00} 8. I have been calling HSBC at least once every two weeks since XXXX. It has been a total now of over 4 months since the refund was issued by the merchant. 
9. I have also spoken to XXXX XXXX XXXX  and they said I needed to work with HSBC since they had already accepted the funds.
Consumer complaint received 2022-04-20
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXX h

as 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 2021-08-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (TN)

When trying to open an account, I am unable to due to information on my XXXX XXXX report which I have disputed but shows accounts that have been closed and not paid however all debt has been paid and I owe nothing to those previous banks
Consumer complaint received 2023-03-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY (MD)

I have been working with TD Bank since early XXXX to facilitate a mortgage modification in conjunction with my bankruptcy filing. On XX/XX/XXXX, TD notified us that the modification was approved and provided the new loan terms, indicating that the new monthly payment of {$1700.00} would begin on XX/XX/XXXX, and the loan term would be extended for a period of XXXX XXXX XXXX XXXX  months. 

Pursuant to this agreement, I have made timely payments in the above referenced amount for all months in an effort to keep the account current. In XXXX, XXXX, we were advised that in order to complete & finalize the modification process, a signature was necessary on a single-page document which was mailed to us. I learned that TD Bank mailed this document to my bankruptcy attorney, rather than directly to me, as they stated. I went to my bankruptcy attorneys office, signed the paper, and it was sent by fax to TD Bank. 

After sometime of not hearing back from TD Bank, I called on XX/XX/XXXX to follow up and confirm the modification was finalized. I was told that the fax transmission of the page we sent was illegible, and was asked to resend the single page document via email. This document was sent to TD Bank via email on XX/XX/XXXX. 
On XX/XX/XXXX I called TD Bank, and they verbally confirmed that the modification agreement was received and is processing. I continued to make monthly payments in accordance with the modification agreement. Between XXXX, XXXX and the date of this complaint, I would periodically reach out to TD Bank to confirm the finalization of the modification. This included both phone calls as well as email correspondence. We were repeatedly told that the modification agreement is processing, with no indication of any issues whatsoever. In XX/XX/XXXX, a representative at TD Bank informed me that due to the single page modification agreement not being received within an arbitrary 30-day window, the modification process has been halted/withdrawn. Despite my efforts, I have been unable to receive any clarity whatsoever on how or why this happened, since I followed TD Banks instructions through all times in this process and have worked extremely hard to keep the account current.
Consumer complaint received 2020-07-03
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. (GA)

I noticed a medical charge on my consumer report that I did not recognize so I proceeded with the following : XX/XX/XXXX - Notified the credit bureaus reporting this error via certified mail. ( TransUnion & XXXX  ) XX/XX/XXXX - Sent a notarized letter to the collection agency [ XXXX XXXX  ] requesting validation or evidence that this debt belonged to me, sent certified mail with a return receipt. 

XX/XX/XXXX - XXXX XXXX received my letter. 

XX/XX/XXXX - 12 days after my medical investigation began, XXXX  reported the account as " verified '' on my consumer report. 

XX/XX/XXXX & XX/XX/XXXX - TransUnion reported XXXX XXXX  as " verified '' on my consumer report. 

Per the Fair Debt Collection Act, during a medical investigation, creditors/collection agencies can not take legal or other action to collect the disputed amount and related charges during the investigation. The creditor or collection agency may not threaten my credit rating, report me as delinquent, or accelerate my debt because I have used my FCBA rights. 

XXXX XXXX, TransUnion LLC., & Experian have all violated my rights. XXXX XXXX  failed to respond to the dispute and as of today, XX/XX/XXXX they still have not responded. Neither TransUnion nor Experian, has sent verifiable documents as required in the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) supporting this delinquent claim on my report. I requested proof from XXXX  on XX/XX/XXXX and TransUnion on XX/XX/XXXX. Both credit bureaus have failed to provide any evidence. 

The medical account in question, owned by XXXX XXXX  does not belong to me. I have requested proof and explanation of charges, neither of the ( 3 ) parties have provided it. 

Please remove this account from my consumer report immediately.
Consumer complaint received 2021-03-23
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. (NY)

I'm lost, I don't know what to do. I am a victim of identity thef and I need help because my credit has really been affecte. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deepl affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2020-07-03
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I acquired a car loan from USAA in 2016. I requested and was informed that I'd be enrolled in USAAs automatic payment withdrawal program. A few months pass by and I was informed by USAA that I was late on payments for my vehicle. I informed them that this couldn't be the case since I was enrolled in the automatic payment withdrawal program. They stated that they would take care of the issue and remove any negative information off my credit card report. After many phone calls over the years to USAA and the credit bureaus, there hasn't been any resolution. This is something that wasn't my fault and I would like a successful resolution to this matter.
Consumer complaint received 2020-07-03
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. (AZ)

I have submitted a dispute with Experian, this company got my information, I never provided consent for any information or have had an account with them. On numerous times Ive spoken to them and they have refused to provide any details. Now they have reported collection to credit agencies for the amounts of XXXX that is owed and claim 180 days past due. I have never applied for credit for this mortgage as well. No record found.
Consumer complaint received 2020-07-03
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT FILE. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-03-22
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. (CA)

Accounts ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, is reported as charge off or collection and can not continuously report multiple delinquencies, late payments, in which the account has reported after its closure dates, is inaccurate according to section FCRA 623.
Consumer complaint received 2023-03-24
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. (CA)

In accordance to the Fair Credit Reporting Act XXXX and XXXX  XXXX : 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 oral or written instructions.

15 U.S.C. 1666b A. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2020-07-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I was preapproved for a mortgage loan with PennyMac. Initial terms granted me FHA loan 3.5 % deposit for up to $ XXXX financed. When I found my dream home and signed contract, PennyMac changed the terms on my loan twice due to errors they stated in their preapproval process and to accommodate my student loans that were placed in forbearance because of covid-19. I was told that my loan needed to be a conventional loan with a 5 % downpayment. Then, halfway through the process ( 30  days to close ) and after an earnest money deposit was paid, inspection costs, appraisal costs, moving expenses, etc, I was told that my loan terms needed to be modified again. This time to a 20 % down payment and paying off my auto loan. Ten days prior to closing, my loan officer stopped responding to my calls and voicemails. Whereas before I was able to reach him on his direct line and he would respond to my email within 24 hours, I have yet to speak with him again and today is the day before closing. Nine days before closing a voicemail was left stating my rate lock was expiring same day and I would need to pay an additional fee or start the loan process all over again. I contacted my realtor and she was able to get my rate lock extended without additional fees. I called and emailed my loan officer everyday for ten days prior to my closing date on XX/XX/2020. This is my second mortgage loan with PennyMac and the complete neglect and lack of professionalism and attention I received throughout this second mortgage process was negligent. I was supposed to close on my mortgage at XXXX on XX/XX/2020 and was told they needed to work on my loan the day before. An extension was granted until XX/XX/2020. On XX/XX/2020, I received a call from XXXX XXXX, a processing supervisor, stating that they ran my account several times and were unable to get me approved in the automatic underwriting system. They could not explain why or how I was previously approved and suddenly not. 

I am displaced. I have no home. I sold my home in VA and moved to GA the week of XX/XX/2020 to move into my new home. 

DO not use PennyMac to finance a loan for your home. I have a daughter who has been uprooted and displaced with me.
Consumer complaint received 2022-10-12
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then XXXX  times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2022-04-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc. (CA)

We made an appointment to see the XXXX on XX/XX/XXXX at XXXX XXXX I went on vacation and after I found out the people I was with had XXXX I called the XXXX XXXXXXXX XXXX ( XXXX ) to cancel my appointment 1 day before so that he could see other patients. The office manager told us that she would cancel it but there is a {$75.00} cancellation fee that we had to pay. We told them we were never told that there was a cancellation/no show fee. We asked them if they have any confirmation from us that we knowledge the {$75.00} no show fee policy and they said they don't see that and they don't know. 
We have been receiving bill from them and every time I am calling them to tell them that we were never told that there was a cancellation fee the office manager and XXXX in a very bad way telling us it is what it is and we have to pay it. We spoke with them two times including XX/XX/XXXXafter receiving a bill with a letter that they will send it to collection agency and offered them to lower the {$75.00} even though it was never disclosed to us but they did not accept it. 
On XX/XX/XXXX we received a letter from AWA Collections that I owe {$75.00} and if I do not pay it will go to my credit. 
I sent AWA a letter explaining the situation and they still wanted the money and forced us to pay it. I did not want my credit to be damaged and thus, I paid it on XX/XX/2022 over the phone. 
I am a single mom and I don't want them to ruin my credit for something that was never disclosed to me and trying find a help to go after them to get my money back.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT FILE. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-06-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (CO)

On the morning of XX/XX/2023 my phone was stolen out of my car while I was inside XXXX. The person got into my Cash App account, changed my security pin via the " lost pin '' feature in the app, and made two Unauthorized Transactions ( XXXX for {$500.00} and XXXX for {$710.00} ). *They also added their card ending in XXXX and attempted a XXXX XXXX ' in the amount of {$300.00}, but it failed ). 
I reported the theft/identity theft to the Aurora Police Department XXXX XXXX & T, Cash App via the ap because XXXX are closed on weekends, ( and again by phone when they opened on Monday XX/XX/XXXX ), and the Federal Trade Commission XXXX 
I reported to Cash Ap that Unauthorized Transactions were made on my account, submitted copies of the police report, screenshots of the fraudulent transactions, the Federal Trade Commission report, and my XXXX XXXX XXXX phone receipt. 
A legitimate banking facility or credit card company would be able to Detect and Flag this as 'Suspicious Activity ''. Cash App refuses to Properly investigate my case, as well as refuses to reimburse the money that was stolen from me. They denied my claim and accused me of " authorizing someone to use my credentials '' even though I have submitted evidence that I Did Not give anyone my pin information, nor give anyone my debit card. I DID NOT Authorize these transactions!
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. 

For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much debt.
Consumer complaint received 2023-03-22
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. (OK)

The 3 Credit reporting agencies XXXX, XXXX, and experian have assumed a vital role which I have not given them express written permission to report on my behalf. I have disputed erroneous, inaacurate, out of date, and fraudulent accounts from XXXXXXXX XXXX XXXX that they are reporting. I have written to them to re-investigate already. Now, I am demanding they delete these fraudulent accounts due to all the errors and inaccuracies that they claim have been verified. If these accounts were in fact verified then why is there so much inconsistent information. Pursuant to 15 USC 1681, the credit agencies have a grave responsibility to report accurate, relevant, and impartial information. I have provided factual data which is attached to this complaint as evidence that I have been abused, treated unfairly and my character as a consumer has been tarnished due to these agencies lack of effort in finding correct validated information. I demand that these accounts be deleted immediately due to the copious inaccuracies and inconsistencies in data. These companies have not only violated my privacy by trafficking my name, but they have continued to deny me my rights as a federally protected consumer by doing their due diligence in investigating the matters I have submitted for complaint. SEE EXHIBITS A-F IN ATTACHMENTS.