davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

This is a follow-up to a complaint I filed XX/XX/2020 with the case number XXXX. My complaint was against unnamed callers who have been calling for two years attempting to collect a debt owed to HSBC they have connected to a street address I lived at over ten years ago. I have no memory of ever having a line of credit with HSBC. I have had my credit score checked numerous times since these calls have been coming in and this debt has never appeared. I have made large purchases where my credit was checked and this HSBC debt was never mentioned. The callers have been abusive while threatening legal action and saying the name of my current address to perhaps scare me into paying them ( They only accept credit card payments over the phone ) I have already submitted all the phone numbers they have called me from in my previous complaint. 

I received a return letter from HSBC XX/XX/2020 stating there was no record of my name in their system and that none of the phone numbers provided had any affiliation with HSBC. 

But last week on XX/XX/2020 I received another robocall voicemail from the phone number XXXX XXXX XXXX. As usual, they do not announce where they are calling from, just that they are looking to verify my current address and place of work to proceed against me. They said they will be calling the human resources department at my work to move forward in their actions. But their client ( whoever that is ) is willing to settle if I got in touch by the end of the day. They ended off the call telling me this is a final warning and telling me to call this number : XXXX XXXX XXXX. They gave me a case number of XXXX. 

I thought I went through all the proper actions to get these calls to stop. How can I finally be done with receiving these calls? I do not owe this debt they have been harassing me with for over two years. I have asked them to provide more information on this supposed debt and all they tell me is it's from HSBC and the amount ( which fluctuates every time I ask ) There has been no attempt to provide printed documentation of this debt. As I stated above, these calls have been coming in for two years now. I would like them to stop without me resorting to hiring a lawyer. I am a man who suffers from XXXX XXXX on a fixed income and I can not afford such things. 

I just want the calls to end and I would like this unnamed organization to be stopped from harassing people.
Consumer complaint received 2022-06-29
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. (VA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX  XXXX Balance : {$190.00} XXXX  XXXX Balance : {$140.00} XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$100.00} XXXX XXXX Balance : {$130.00} XXXX  XXXX Balance : {$89.00} XXXX  XXXX Balance : {$160.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-06-29
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. (NY)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXXXXXX XXXX  Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX  Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX XXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX XXXXXXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX XXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX XXXX XXXX  Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX XXXX Account Number : 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction or crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-29
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. (NY)

I requested the removal of Inaccurate address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, accounts : XXXX XXXX XXXX Balance- ; XXXX XXXX Balance- ; XXXX XXXX Balance - ; XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$130.00} that are UNKNOWN to me. I included these in letters that I sent to XXXX Bureaus on XXXX XXXX, 2022. I learned about this rule today, and it states that Credit Bureaus must ban any items in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) no later than four business days following the XXXX XXXX, 2022 letter.
Consumer complaint received 2020-06-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

I applied to refinance my existing VA mortgage with Quicken Loans/Rocket Mortgage. They kept me waiting for 3 months after requesting that the VA provide them verification of my eligibility ( even though they knew my present mortgage is a VA loan ). I even submitted a letter from my commander on unit letterhead verifying my eligibility, but they still insist on waiting for the VA to confirm eligibility. The VA has done nothing to help me and has not responded to the request for confirmation of eligibility.
Consumer complaint received 2022-06-28
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. (AL)

On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter stating, " They do not report any bankruptcies to anybody ''. So, if that's the case how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from the consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 681 according to 15 USC 1681 section 602A. States I have the right to privacy. 

According to15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

According to15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2022-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX Account numbers, has violated my rights. 
XXXX Account XXXX XXXX XXXX. XXXX Account # XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX ACCOUNT # XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 Section 604 A States that I have right to privacy.

15 U.S.C. 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish a account without without my written instructions.
Consumer complaint received 2022-06-28
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. (TX)

609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I disputed inaccurate information I found within my credit report to all three major credit bureaus ( i.e. XXXX, XXXX, Experian ). Neither bureau presented any evidence supporting the accuracy of their investigation into the issue I raised. Below are the companies believed to be in violation of the FCRA : 1. XXXX XXXX XXXX XXXX opened XX/XX/XXXX 2. XXXXXXXX XXXX opened XX/XX/XXXX 3. XXXX XXXX XXXX opened XX/XX/XXXX 4. XXXXXXXX XXXX opened XX/XX/XXXX
Consumer complaint received 2022-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Management Services, Inc. (CA)

Account management Ser is reporting a debt that I supposedly owe on my XXXX and XXXX XXXX reports. The debt showing on my credit report, shares inaccurate and false information such as " maximum delinquency XX/XX/XXXX '' and it was opened in XX/XX/XXXX yet reported in XX/XX/XXXX. I do not have any signed contracts with this company nor any sort of agreement that states I owe this account or company. I have already submitted disputes to XXXX and XXXX XXXX to validate this debt and to provide evidence of signed contracts reporting the debt owed and validating the amount. This company is violating FCRA consumer laws by reporting inaccurate information and I am requesting that this account be removed from all credit files immediately. It is causing me emotional distress and medical issues. Thank you.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

the payment history of this closed account was not accurately reported to all 3 credit agencies this is inaccurate reporting. pursuant to 15 usc 1681 ( a ) Accuracy and fairness of credit reporting, I was never late and also a violation of 15 usc 1681b ( a ) ( 2 ) i did not give written notice to furnish or report any information about me.
Consumer complaint received 2021-03-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AC AutoPay LLC, Denver, CO Branch (CA)

Company never answers their phone and the representative " XXXX '' is consistently rude, unprofessional, aggressive, and even hangs up in my face. They do not properly bill me, send me the correct notices, or even send me monthly statements.
Consumer complaint received 2022-06-28
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)

ON XX/XX/2022 I sent a letter explaining to the XXXX  that I was identified as a victim of an information breach. I checked my credit report and found information that I don't recall applying for the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION (NC)

Greetings Because I lost my debit card, I decided to apply for a credit card through Truist Bank. I have been banking with this organization for over 40 years. ( Formerly BB & T ). I received a notice via email that I was denied the credit card. I have also received written correspondence which was supposed to inform me of the reasons for denial. I have received this correspondence yesterday, XX/XX/2022. My credit score is XXXX via XXXX and XXXX via XXXX. I have spoken with the bank, I have spoken with consumer credit card division at Truist. No one can tell me why my request has been denied. The only " credit '' we have is a jointly held mortgage. 
I receive social security, have a retirement account that has not been tapped, and a sizable savings account with Truist. 
I suspect that this is ageism. I am not at all happy. I honestly do not need the credit card, but am offended at the denial after many years of diligent monitoring of my credit and years of keeping close track of payments. I feel for the people who do not have such high credit scores and the difficulty they must have obtaining credit.
Consumer complaint received 2022-06-04
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. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX DEPARTMENT OF EDU # 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 written instructions
Consumer complaint received 2022-06-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcon Credit Solutions LLC (WI)

I received information about a collection account for XXXX XXXX XXXX card backed by XXXX, which I do not recognize. I have had identity theft which has been reported since XXXX and even have fraud alerts and credit freezes. 

I have asked multiple times for a copy of the original contract with my signature as validation of the debt and that it's mine, again because I don't remember a XXXX XXXX XXXX backed by XXXX. They will not provide it to me, but will claim that statements showing charges and payments validate that it's my debt.
Consumer complaint received 2022-06-23
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Shellpoint Partners, LLC (NY)

On XX/XX/XXXX, at XXXXXXXX XXXX XXXX  I informed Shellpoint 's representative XXXX that I wanted further communications in writing. 

XXXX continued calling me despite being told to write to me, via email. 

Specifically : XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX XXXX XXXX, and XX/XX/XXXX at XXXX. I recall there were multiple calls each time. 

This is a violation of the FDCPA. 

Thanks, XXXX XXXX
Consumer complaint received 2022-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX. CHILD SUPPORT XXXX XXXX Account # XXXX. Has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX. Has violated my rights. 

XXXX. XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

XXXX. XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

XXXX XXXX XXXX Account # XXXX. Has violated my rights XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-08
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit reporting act Capital One Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer must furnish an amount without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card as open - end consumer credit plan as a late for any purpose.
Consumer complaint received 2020-07-12
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. (AR)

I sent multiple credit disputes with these companies, asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission, with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame, and their investigation results they have not abided by these laws.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

Hello so this doesnt really apply to me yet but a major issue numerous people are having is paying their bills with comenity bank because they are still doing a system update that has been going on for days now and its already causing problems with customers when their credit card payments are due usually companies offer you an alternative to pay your bill online or automated system the automated system sends you to a recording and then hangs up its very unacceptable because as soon as your credit card payment is late you get a negative mark on your credit report this is not fair to customers my credit card payment isnt due yet but Im making this complaint for other comenity bank members because Im sure some of them are having problems and comenity hasnt contacted w tone regarding this problem or what are they going to be doing for customers
Consumer complaint received 2022-06-28
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. (CA)

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and inaccurate information that are found on my report. But still those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
Inaccurate address : XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/2022 INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

This is regarding a Citi card. I purchased an airline service and made the payment on the due date. I got another statement with a new balance. I called the customer service on XX/XX/2020, regarding my statement and I was told that I have a balance which is regarding the membership fees of the credit card. I spoke to the customer service and paid the fee {$99.00} on XX/XX/XXXX. I was told that there was a late fee but they will remove after I requested. Therefore, I was getting 1-800 calls regarding my due balances. I kept telling them that I made my full payment and I was promised to remove the late fees. The credit card company keeps adding a {$27.00} late fee every month and harassing me to report for debt collection. I sent my written appeal with a detail via a certified mail in XXXX. I explain to them and there is no response. I need help. Thank you.