davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MI)

I have contacted FedLoan Services several times over the last 2 years regarding employment verification with no response of how many qualifying payments I have. With Payments restarting in XXXX and the announcement that loans will be transferred to other companies, and I have received no correspondence on any sort of update in this. I sit on hold for hours with not even being able to be connected to someone.
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

SLS.net has been my loan servicer since XX/XX/2020. There's a late charge of {$2000.00} that was added to my account. I have been trying to get SLS.net to provide proof of when the charges have been incurred and they keep sending other documents besides the document being requested.
Consumer complaint received 2021-01-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

I purchased a vacation from a telemarketer. Upon review of their available resorts, I requested cancellation/refund, clearly within their written terms. When I received no response, I contacted Citibank to dispute the charge. In spite of clear documentation provided, Citibank repeatedly denied my disputes. Initially Citibank asked me to provide supporting documentation, and when I did, simply said they can not do anything with no explanation for why, and that the investigation was closed. I feel I have been wrongfully denied by both the merchant and Citibank and am hoping you can help. I have all the emails and executed documents to support my case and am happy to provide - I attached summary and final attempts to this request below. Kindly advise. Thank you so much in advance.
Consumer complaint received 2022-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

On XX/XX/XXXX, around XXXX XXXX, I was threatened by an XXXX XXXX  at the apartment complex for witnessing a XXXX  that ended up being on the news. While living at my residence there were reports of an XXXXXXXX XXXX man who had XXXXXXXX XXXX a XXXX female at her front door. a car followed me with a XXXX female threatening me to call the cops on me because I fit the description of an XXXXXXXX XXXX  male that did the XXXXXXXX XXXX. I was very offended by this, I assured the woman that it wasn't me and how I just moved her regardless of what I told her she continued to accuse me. in today 's climate would've been arrested with no questions asked putting my life in danger. XX/XX/XXXX around XXXX pm, I had to walk my dog before turning in for the night. While walking my dog, a woman approached me nicely and calmly and asked to pet my dog, even though I noticed she reeked of XXXX, I allowed her to touch my dog. After that it went Left from there, she started to yell at me saying " It's my dog it's my dog, you stole my dog!!! '' Side note Almost everyone in my area has seen me with my dog every day, she is also my XXXX XXXX animal and I cherish her. With that being said luckily there were witnesses outside at the time that was wondering why she was screaming with tears in her eyes. I wasn't sure if the the woman was XXXX XXXX  or what the problem was. I spoke with the manager at the property at that time was XXXX XXXX. she stated my partner, and I can leave with no consequence, and she also sign a document. In total, XXXX  XXXX XXXX XXXXXXXX XXXX stated I owe {$3200.00}. a majority of the amount went to XXXX XXXX XXXX XXXXXXXX for me to pay them {$2400.00}, and XXXX went to my roommate and I credit under HUNTER WARFIELD. While the manager stated it would be on my credit report nor my roommate 's credit report.
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (VA)

In accordance with the fair credit reporting act, this creditor XXXX XXXX XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b states a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

THIS COMPANY, PORTFOLIO RECOVERY IS BEYOND RELENTLESS. THEY CONTINUE TO CONTACT FAMILY MEMBERS, FRIENDS, PEOPLE ON MY SOCIAL MEDIA ACCOUNTS WHICH IS ILLEGAL AND KEEP CLAIMING AMOUNT WHICH IS BEYOND INCORRECT. I AM SO TIRED OF THIS SCAMMING COMPANY!!! PLEASE HELP!
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have submitted a dispute to you and i didn't get a response within XXXX  days and ya 'll are required by law to do so. Please investigates my disputes, Please. Thank you.
Consumer complaint received 2021-01-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

An email from the CFPB Ombudsman 's Office stated that : " we understand that your Mother submitted a consumer complaint through an interpreter provided by the CFPB, but that some of the complaint was left out in what was submitted to the company. You also shared that the interpretation was not a very good one The HSBC Banks response reads : Unfortunately, we are unable to communicate with your son about your accounts as we do not have a valid power of attorney on record for him. Were unable to accept the one provided with your complaint because it is for an individual named XXXX XXXX. 

XXXX XXXX, my husband, passed away in XXXX. XXXX XXXX, one of my children, has a valid power of attorney now ( see attachments ). 

I do NOT believe that the closing balances of my accounts was {$1700.00} because I was NOT allowed to access my online accounts to cross check the closing balances with my records. 

According to my records, which include the paper statements, {$1500.00} was already missing from my bank accounts when HSBC closed my accounts in XX/XX/XXXX. 

Also, there was around {$170.00} in Rewards missing from my HSBC credit card account when HSBC closed my accounts in XX/XX/XXXX. The Rewards in my credit card account should have been credited to my HSBC bank accounts ( see attachment ). 

As I emailed Mr. XXXX XXXX and Mr. XXXX XXXX on XX/XX/XXXX at HSBC, I need the following six numbers from my HSBC accounts. For simplicity, the total numbers do not need to be itemized, and the numbers may be rounded down to the nearest dollar : 1. The total number of my check deposits and their total dollar amount 2. The total number of my cash deposits and their total dollar amount 3. The total dollar amount of my XXXX deposits 4. The total dollar amount of my bank transfers ( i.e., to and from XXXX XXXX, etc. ) 5. The total dollar amount of the monthly charges and/or late fees 6. The total dollar amount of the interests from all of my HSBC accounts On XX/XX/XXXX, Mr. XXXX XXXX emailed me perfunctorily regarding the above request/numbers, but he failed to get back to me ( see attachment ). 

I ask HSBC not to send me any indemnification provisions unless the missing {$1500.00} can be accounted for. 

Please see the attached letter for the details of how HSBC has violated their own zero tolerance policy for discrimination.
Consumer complaint received 2022-09-30
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. (FL)

HARASSMENT : I have several dispute trying to remedy your mistakes in my Credit Report about my Bankruptcy. My Bankruptcy is more than 10 years old. This mistake has been impacting my financial status, causing irreparable damage in my economy. The investigation conducted by XXXX XXXX and Equifax about the time of my bankruptcy took less than one week. I contacted the United States Bankruptcy Court XXXX XXXX to get more information about my bankruptcy and the response was they do not report at any Credit Bureau XXXX I contacted the Company XXXX XXXX XXXX too and I received from them an email saying that they need information about myself. So if they don't have my information, in this case how can the company report any information. Otherwise, XXXX XXXX made the same investigation about my issues with my Credit Report and took my case seriously and Deleted it from my Credit Report. 
Then, why does XXXX and Equifax doesn't take my dispute seriously, I am taking this flippancy as Harassment, just because I am XXXX.
Consumer complaint received 2021-01-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I sent a letter to Equifax on XX/XX/2020, about unauthorized and inaccurate inquires on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. Please have the inaccurate/invalid accounts be deleted immediately or I will file for litigation due to the stress this is causing me. In the next couple of months I am planning on making a big purchase for my family and having my credit score go up would definitely save me a lot of money.
Consumer complaint received 2021-01-28
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

XXXX XXXX Account number XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Hello Toyota Motor Credit Corp, This is XXXX XXXX and this is to inform Toyota Motor Credit Corp that they are reporting inaccurately and I will explain and supply supporting documents to support my claim and I will and am needing an urgent resolution to this issue as this issue has caused a bunch of stress on me! On XX/XX/2020 I received a call from a representative asking for payment in the amount of {$1800.00}. On XX/XX/2020 I made the payment which after the payment was satisfied I received an email from Toyota Motor Credit Corp as a confirmation that on XX/XX/2020 the payment in the amount of {$1800.00} was taken care of which brought the balance to {$0.00}. I logged in to my credit file and I saw that Toyota Credit Motor Corp is reporting XX/XX/2020 and XX/XX/2020 late which is not accurate. I made the payment on XX/XX/2020 I am not late. I even was given an email confirmation which I will attach along with this letter. This is an error on behalf of Toyota and this must be rectified and resolved because this invalid information that Toyota is reporting on my credit files ( XXXX, XXXX, XXXX, etc ) is inaccurate. I have proof I made payments on time. This must be resolved immediately please. Please reply ASAP. This needs an urgent resolution. I will also be reporting this concern to the CA Attorney Generals Office and with the CFPB along with mail a copy to the address that I was provided by XXXX ( agent ID FVPH ) which is TFS Credit Dispute Group XXXX. XXXX XXXX XXXX XXXX, IA XXXX. Please fix this issue and send me a letter confirming this has been fixed and resolved. Thank you in advance for all the help. 




XXXX
Consumer complaint received 2021-01-28
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: EQUIFAX, INC. (GA)

Im filing this complaint because Equifax will not resolve my issue period, I called Equifax about 10 inquiries on my credit report that they will not remove, these inquiries are fraud I want them removed, I have a monitoring product and ask them to do the job also that failed Im going to cancel that product soon, Im out of work, these inquiries belongs to car dealerships I cant buy a car if Im not working so Im asking Equifax to remove these fraudulent inquiries but please do not put any fraud alert on my credit file, I will continue to file complaints if these are bot removed from my report.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

A fake check with unauthorized signature was paid by truist bank on XX/XX/2022 for the amount of {$8700.00} to an unknown party from my business account. Also the fake check is missing a digit of the account number in the bottom of the check. A claim has been issued with truist bank and was denied saying that had to be within 60 days from the transaction. This check has a totally different signature from the authorized one. We need to get the bank to refund money and need help on this matter. Truist bank is responsible to pay out check only with signature of owner of the account and legal paper. This was a fake check.
Consumer complaint received 2022-04-06
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. (IN)

On XX/XX/2022, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and sdsay it's mine. According to the FCRA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NETWORK XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
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 belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Please accept this letter as a written request to dispute the following account information of items appearing on my credit reports. To prevent any confusion, I have listed the item and account number below : XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX is fraudulent on my credit Account # XXXX ILLINOIS XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquiries from XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-28
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 received collection calls from company i have no business with, i check my credit report to find several accounts report to my credit file that doesn't belong to me, i try to correct with creditor unsuccessfully. i am making report to let credit bureaus know these accounts don't belong to me, and should be deleted from my credit i can regain good standing with my credit history.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I was alerted on XX/XX/22 by my XXXX that my credit was pulled on XXXX by Bank Of America. On XX/XX/22 I received text notification from Bank of America that I was approved and my cards were being mailed to me within 14 days. I have never opened an account with Bank of America. I called Fraud Dept of Bank of America and explained this and they were able to see a new acct for XXXX XXXX card was opened. They were able to close the account. There were no charges on the account as of yet. I am just reporting this as likely Identity theft.
Consumer complaint received 2021-01-28
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. (CA)

XXXX XXXX Account number XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Hello XXXX XXXX XXXX XXXX, This is XXXX XXXX and this is to inform XXXX XXXX XXXX XXXX that they are reporting inaccurately and I will explain and supply supporting documents to support my claim and I will and am needing an urgent resolution to this issue as this issue has caused a bunch of stress on me! On XX/XX/2020 I received a call from a representative asking for payment in the amount of {$1800.00}. On XX/XX/2020 I made the payment which after the payment was satisfied I received an email from XXXX XXXX XXXX XXXX as a confirmation that on XX/XX/2020 the payment in the amount of {$1800.00} was taken care of which brought the balance to {$0.00}. I logged in to my credit file and I saw that XXXX XXXX XXXX XXXX is reporting XX/XX/2020 and XX/XX/2020 late which is not accurate. I made the payment on XX/XX/2020 I am not late. I even was given an email confirmation which I will attach along with this letter. This is an error on behalf of XXXX and this must be rectified and resolved because this invalid information that XXXX is reporting on my credit files ( Transunion, XXXX, XXXX, etc ) is inaccurate. I have proof I made payments on time. This must be resolved immediately please. Please reply ASAP. This needs an urgent resolution. I will also be reporting this concern to the CA Attorney Generals Office and with the CFPB along with mail a copy to the address that I was provided by XXXX XXXX agent ID XXXX  ) which is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX. Please fix this issue and send me a letter confirming this has been fixed and resolved. Thank you in advance for all the help. 




XXXX
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm writing to lodge a complaint against TransUnion regarding my inability to obtain my free credit report through XXXX, as mandated by federal law. 
I attempted to access my free credit report from TransUnion via the XXXX website multiple times. However, I encountered an error message stating : " Unable to Complete Your Request Online. Unfortunately, your request can not be fulfilled online at this time. Please request your report using one of the other options below. '' The options provided were to request my report by mail or by phone. This situation is frustrating and inconvenient, as the online process is designed to be straightforward and accessible. I believe that consumers should have the right to easily access their credit reports without unnecessary barriers. 
I have attempted to follow the alternative methods suggested, but I find it unacceptable that I am unable to obtain my report online, especially when the law entitles me to do so. This experience raises concerns about TransUnion 's compliance with the Fair Credit Reporting Act and their obligation to provide consumers with access to their credit information. 
I kindly request that the CFPB investigate this matter and take appropriate action to ensure that TransUnion complies with the law and provides consumers with the access they are entitled to. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely,
Consumer complaint received 2021-01-28
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. (FL)

There are alledge collections and charge offs accounts on my credit report for which I do not recognize. Pursuant FCRA 623. I am demanding they are removed. 

XXXX/account number xxxxxxxx XXXX XXXX XXXX account number xxxxxxxxxx
Consumer complaint received 2021-01-28
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: Bread Financial Holdings, Inc. (CA)

XX/XX/XXXX {$2200.00} XXXX falsely advertising coverage services which none were ever provided. Contacted through e-mails and calls many times. XXXX XXXX XXXX did not call as mentioned. No other XXXX  workers ever returned calls or heard from as arranged. XX/XX/XXXX requested cancellations for return of the funds. Comenity has not provided any assistance with this, delayed 2 years now XXXX
Consumer complaint received 2021-04-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (AR)

They call me every other day 3 times or more a week. I have called them several times explaining I have not received and I will handle it when I get a statement.They said they sent it but I have not received it. This has to stop they are rude to me and arguing with me and hanging up on me so I have stopped answering the calls.Harrassing me will not get this bill taken care of. I have been very patient with this company but this has to stop. Thank you.
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. 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 an account without my written instructions.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Furthermore, how can you consider my account late as the last payment dates are totally different from each other to all 3 bureaus.