davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (MN)

I didn't receive my bill from HSBC last month, and they only contacted me after they had charged me a {$25.00} late fee and {$1.00} in interest. I tried to contact them through their website and over the phone, and both systems were down at the time. So I sent them a letter with a check for the full balance, but I said if they insisted on charging me the fee I'd pay it but I wanted my account closed. I also said if they waived the fee I would continue as a customer. They cashed my check for the full amount due but didn't close my account. And then AFTER my balance was paid in full, they charged me ANOTHER late fee of {$37.00}. I want my account closed and any negative information reported to the credit agencies to be wiped clean. And I'm not paying more late fees after the account balance was zero.
Consumer complaint received 2021-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (NJ)

Approximately in XXXX, I went to XXXX store to switch cell phone providers XXXX to XXXX and XXXX representative stated that they will pay the balance of the lease as the commercial stated. XXXX will be responsible for all transfer fees. I transferred my phone number to XXXX but they never uploaded the last bill and serial numbers of the 2 phones to pay the lease balance to XXXX. 

On XX/XX/XXXX, I was informed by Police & XXXX XXXX that a outstanding collection charge of {$820.00} from XXXX is on my credit report. Police & XXXX XXXX can not move forward with my loan until this is removed. I contacted Diversified Adjustments Inc XXXX spoke with supervisor XXXX account # XXXX to dispute the charges. I contacted XXXX and they stated they have no record of my account and told me to call XXXX to request to have removed. Unfortunately, this is another number of Diversified Adjustments Inc. 

I did not receive any gift cards or prepaid cards during the time of transfer. The incorrect bill is created by XXXX not paying for the transfer fees and balance of lease as their ad states. This improper charge tortuously interferes with my loan process. Since both cell phone companies have the information to correct this matter, both cell phone companies need to be prosecuted to the fullest extent and fined to the highest magnitude. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Consumer complaint received 2022-04-08
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX under the name 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions All Accounts in Violation XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2020-04-28
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. (OH)

I was a victim of fraud and I am requesting a security freeze on my credit file. The following address are not accurate please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX CT, XXXX, NY XXXX XXXX XXXX  XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Please delete the following cellphone numbers ( XXXX ) XXXX ( XXXX ) XXXX they are number mine.
Consumer complaint received 2022-10-11
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. (TX)

I was a victim of identity theft. I filed a police report and theft affidavit. The bureaus have not removed and blocked the fraudulent information.
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX under the name 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions All Accounts in Violation XXXX  XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2020-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Credit Management, Inc (TN)

I called this agency in XX/XX/2019. I thought my insurance had paid ( {$160.00} ) after our talk. I never spoke with them again until today. They sent bill ( s ) to wrong address. I NEVER received a bill from them. They said they never received the mail back. I explained to them that it I am not responsible for my neighbor 's actions. They did not take responsibility for sending them information to the wrong address. They will not remove the collection notice from my credit. My credit was excellent with XXXX  before their submission.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On or around XX/XX/2022 I mailed a billing error notice to Capital One Services billing dispute department addressed on the back of my billing statement as required, I also mailed a copy to their corporate office and registered agent ( XXXX XXXX XXXX ) in regards to my XXXX credit card accounts/billing statements that I had reason to believe was in error. I requested in accordance with 15 U.S.C 1666 ( b ) ( 2 ) documentary evidence which includes books of account in accordance with 15 U.S.C 44, Capital One must provide to clarify this dispute. The creditor ( capital one ) on XX/XX/2022 took adverse action against me by restricting and closing all three of my credit card accounts ( I only disputed XXXX ) for exercising in good faith my right to inquire and or dispute a billing error to resolve the issue on my account.This is wrong, not fair and humiliating. I had recurring payments set up using my credit card accounts that were denied payment because capital one closed my accounts before sending me a notice so I could properly update payment for these services. Pursuant to 12 CFR 1026.13 ( d ) ( 1 ) ( 2 ) ( 3 ) the consumer has the right not to pay and the creditor may not try to collect, the creditor shall not accelerate, restrict or close the consumer 's account. Capital One has now forfeited any right to collect any amount due to noncompliance pursuant to 15 U.S.Code 1666 ( e ). The creditor ( capital one ) is civilly liable for actual damages to the consumer and criminally liable for knowingly and willfully noncompliance of failure to present required documentary evidence as requested to clarify and resolve the previously addressed billing error pursuant to 15 U.S.Code 1693m and 1693n.
Consumer complaint received 2022-04-08
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. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2019-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MN)

Midland Funding LLC had filed a default judgement against me that was a result of identity theft, and are currently garnishing my wages. I was never served a summons for court to defend myself and never received any communications regarding what was going on. I was very surprised when I received an email from my HR department alerting me that they have been mandated to garnish 25 % of my bi-weekly paycheck to Midland Funding in their attempt to collect a debt that has an unpaid balance of {$140000.00}. I was informed that they are obligated by law to start garnishing as soon as possible which started on XX/XX/2019 and is still on going. I was very distraught with this and promptly responded to my HR to see if there was anything that could be done about it. I was informed that until they receive something from the law firm ( XXXX XXXX XXXX XXXX ) letting them know that the issue has been resolved, their hands are tied by law. I could not believe what was happening as I had no idea that I had a credit card with XXXX  XXXX, or that I was sued by Midland funding, and as a result of not knowing all this, they were automatically granted a default judgement because how could I have defended myself if I had no idea on what was going on which I didn't as I never receive a court summon or any sort of communication. 

I immediately went to check my credit report from all three credit bureaus which is something I have not done in a while and immediately noticed that they had also reported this on my credit and Midland funding have also acquired another supposedly debt from XXXX XXXX with a {$660.00} unpaid balance. I immediately contacted midland funding mainly discussing the account with {$140000.00} which they are currently garnishing my wages for. I explained to them that I am a victim of identity theft and never submitted a XXXX  XXXX credit card application or XXXX  XXXX collection and I never received a court summon any communications. They asked me about an address on file which was not my correct address, and I told them so. I was told that there is nothing than can be done about it because they now have a default judgement and will continue to garnish my wages. I went on to file a fraud alert and dispute with all three credit bureaus as outlined in FCRA section 609 form asking them to verify proof of the debt with physical verification of an original signed consumer contract and have been responded with verified as accurate which is still not in agreement with the law, thus continuing to be in violation with section 611 -noncompliance and continuing to damage my report and garnishing my wages.
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act there a accounts attached that have 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 consent.
Consumer complaint received 2022-04-08
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. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2021-02-01
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NY)

I am writing in today in regards to my account with Ally Financial Account # XXXX. Specifically I am writing in regards to the late reporting in XX/XX/2020 and XX/XX/2020. The lates occurred during the unprecedented times during Covid-19 which caused the lates to Occur. The Cares act was passed to assist consumers during this time.
Consumer complaint received 2020-05-14
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. (CA)

I applied for a XXXX  XXXX XXXX credit card and I was not approved and today XX/XX/20 I got a letter in the mail saying that the reason why I was not approved was that there were several accounts in negative standing appearing on my credit. I thought it was a mistake since I do not have any accounts in negative standing but I got a free copy of my credit reports and I saw 6 collection accounts that are not mine. I had no idea that these accounts were on my credit because I didn't open them nor do I have any written/verbal contact with any of these companies. I don't know who these accounts belong to or how they got on my credit history ; I did not benefit anything from any of these accounts nor did I contribute to any payments made to any of these accounts. I have filed a police report because regarding these accounts that were opened in my name without my authorization.
Consumer complaint received 2020-05-14
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. (CA)

I applied for a XXXX  XXXX XXXX credit card and I was not approved and today XX/XX/20 I got a letter in the mail saying that the reason why I was not approved was that there were several accounts in negative standing appearing on my credit. I thought it was a mistake since I do not have any accounts in negative standing but I got a free copy of my credit reports and I saw 6 collection accounts that are not mine. I had no idea that these accounts were on my credit because I didn't open them nor do I have any written/verbal contact with any of these companies. I don't know who these accounts belong to or how they got on my credit history ; I did not benefit anything from any of these accounts nor did I contribute to any payments made to any of these accounts. I have filed a police report because regarding these accounts that were opened in my name without my authorization.
Consumer complaint received 2022-10-11
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. (MO)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2022-04-08
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021, I sent Chase Card member service a Cease & Desist letter in regards to account ending in XXXXpursuant to 15 USC 1605. XXXX XXXXh Chase Card member service sent me a letter stating they will stop all forms of communications in regards to account ending in XXXX ( letter attached ). Chase card Member Service closed down my account, they have also continued reporting false information on my credit report. Stating that I am 90 days past due on account ending in XXXX which i am not able to make payments online, through mail, or phone. Chase has continued to violet my consumer right 15 USC 1692 ( c ) ( c ). I have requested that multiple times that the cease all form of communications and also threats in regards to account XXXX  ( violation 15 USC 1692 ( f ). attached are sent threats by Chase of paying {$20000.00} on a {$7000.00} owed account which was not mines .Attached are my credit reports showing Chase Card member service still attempting communication of account XXXX  by stating that its 90 days late.
Consumer complaint received 2020-05-14
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MORTGAGE SOLUTIONS OF COLORADO (CO)

I called Mortgage Solutions after receiving a hit to my credit, which showed my credit dropping and which referred to a deed lieu, which I don't have with them. This property was sold in a short sale, closed in XX/XX/XXXX, I received this notice in XX/XX/XXXX. I first called XX/XX/XXXX and spoke to a person who said they were with loss mitigation who gave her name as XXXX XXXX and who asked me to mail documents at the time to XXXX, her words went along the lines she saw an account open but could not understand why. She requested I send the documents I have, I emailed what I had, a letter stating that if there was any debt, Mortgage Solutions Financial would not come after me for, also a release of deed issued. She requested I call back and check if she had received them, called back there was no luck reaching her XX/XX/XXXX. XX/XX/XXXX was in was unsuccessful overall reaching someone, this at first was a series of phone tags, transfers went to the automated system, the automated system would not get me to a person. I then called XX/XX/XXXX, began speaking to someone I was transferred to, felt it was going well till I simply asked for a name, they hung up after giving me first name last initial, person, s name was XXXX XXXX On XX/XX/XXXX realized I missed call from a XXXX XXXX who I managed to get a direct number and email XXXX and email XXXX. He asked to send what I had sent before also snail mailed
Consumer complaint received 2022-04-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NJ)

We entered into a construction loan with TD Bank in XX/XX/XXXX with the goal of building our dream home. Unfortunately, we have had a terrible experience with our builder ( XXXX XXXX ) and have had to fire her. In doing so, we became aware that TD Bank gave her $ XXXX from our account in XX/XX/XXXX after she submitted forged paperwork requesting these funds ( she signed in our place and without our authorization ). This was also against the terms of the contract with TD Bank, which clearly stated that no funds could be disbursed until the builder had obtained a building permit ( email attached ). For context, we still do not have a building permit today. Lastly, this follows written assurance from TD Bank in XX/XX/XXXX that no funds had been disbursed ( email attached ). 

TD Bank initially recognized their error when we brought it to their attention, and immediately reversed the funds and confirmed our account was whole ( email attached ). This upset the builder, and she is disputing this with the bank. 

Now we are receiving emails from the bank 's attorney that they believe the $ XXXX should be returned to the builder. We have made it clear that we do NOT authorize the disbursement of any funds and that we are pressing criminal charges against the builder. We do not understand the bank 's position other than desperately trying to cover their tracks for this error and force us to incur the cost of a litigator against both entities. 

At the same time, the bank is refusing to disburse any funds to our new builder until this is resolved, effectively holding our funds hostage ( email attached- same as the " no disbursements can be made without a building permit '' as described in first paragraph ). 

We trusted the bank to be our advisor and are feeling betrayed by this turn of events and the bank 's lack of support in what is clearly a stressful time for our family. What we are asking for now is assurance from the bank that our account is and will remain whole, and that the bank will handle the complaints from XXXX XXXX about the $ XXXX themselves and leave us out of it. 

We in turn will be pursuing our own charges ( criminal and civil ) against XXXX XXXX XXXX.
Consumer complaint received 2019-10-05
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

I had a Synchrony Bank Stein Mart credit card. In XXXX, XXXX I received a bill which included a charge for $ XXXX.made on XX/XX/XXXX in XXXX XXXX , CA. This was not a charge I made. I contacted the credit card company and explained the situation. The credit card company explained that there were several attempts to charge on this card and that they had closed it due to suspected fraud. 

In the following weeks, I received a questionnaire regarding the disputed charges. I filled this out and returned to the company ( unfortunately I did not keep a copy ). 

Today I received a " Claim Review Completed '' form from Synchrony Bank indicating, " The Synchrony Fraud Team has reviewed your claim and is unable to approve it for the following reason ( s ) : You authorized, participated in, or benefitted from the purchase. '' I was never in XXXX XXXX in XXXX, nor did I charge {$500.00}. Synchrony Bank should be able to easily verify this as they are already aware of several other fraudulent attempts to use this card on that same day. I feel Synchrony Bank has acted in bad faith in the following ways : First, they were already aware of fraudulent activity on my card, yet sent me a bill for transactions they already suspected were fraudulent. Secondly, they have denied my fraud claim. I have been cooperative with Synchrony Bank and reported this fraudulent charge in a timely manner. I do not understand why they refuse to acknowlege that the charge is fraudulent.