davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX Not only is the account incomplete, its also inaccurate. 

Why are there so many missing fields of information? Did XXXX not supply that information to you? 
XXXX and Experian are both reporting payment history while XXXX XXXX is not. Was I late? When was I late? I don't recall ever being late on my payments.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NE)

I had an account with discover for about XXXX years and I closed it off on XXXX XX/XX/2024. While closing the account, I had XXXX $ that I paid and requested them to close my account. They said they will and deleted the app and thought it was done and dusted. I am not from the XXXX and I do not know all the laws. After XXXX months they call me and said they've tried contacting me over email and mail, and I owe them XXXX XXXX Now, the email they contacted is not something I use, I only used to check the discover app while I had it but I deleted after closing the account and I also moved apartments on XX/XX/2024. 

I paid them XXXX $ immediately and closed the matter. Cut to now, I am trying to buy a car and checked my fico score has dropped XXXX points ( XXXX to XXXX ) from last XXXX to now. Again, I am not used to checking my fico score, I'm not from this country. I called credit bureau to ask what happened to my fico score, they said discover reported it over the XXXX XXXX 

Now, I called discover, and asked them to check my payment history -- - I have never missed a payment or paid late and this XXXX $ is not something I would not have paid had it appeared on my statement while I was closing the account in XXXX. They could have called me soon too -- I could have paid earlier in that case. But I had no idea about this XXXX XXXX 

The XXXX discover ladies working in their credit report unit kept telling me they can not do anything about this because they need to send accurate report to the federal govt and if I have a problem I can start a dispute. So I started a dispute and also letting you all know. 

I am not from this country and you can all check my payment history. I would not steal someone's XXXX XXXX But I do not deserve to pay extra on EMI because my credit score dropped as a result of misunderstanding. Is there any way you can help me remove the negative scores on my credit report so that my credit score goes back to normal? Thanks!
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: 21ST MORTGAGE CORP. (VA)

XXXX XXXX and 21st Mortgage submitted a Hard Inquiry after canceling the morgage quote because lender would not approve morgage on these types of properties explicetly. and the lender refused to lend in the area requested by choice not by technicallity. Other lenders did not require hard inquiries to offer lending quotes and where able to complete the application process for loan approvals based on soft inquiries alone.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX Account # XXXX Amount : {$0.00} XXXX  Account # XXXX Amount : {$2900.00}
Consumer complaint received 2022-12-28
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 — Was not notified of investigation status or results
Company: Aldous & Associates, PLLC (FL)

Account Name : ALDOUS & Associates Date Opened : XX/XX/2022 Amount : {$160.00} Account Type : Collections This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2023-01-24
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have disputed a billing error to Capital One Auto Finance for the past XXXX months and they continue to give me the run around. After executing my XXXX right laws ( creditor ) Capital One Auto Finance have violated every right I have been holding up. They have reported late payments to the credit agency which is against my consumer rights according to 15 U.S.Code 1681a ( 2 ) ( a ) ( 1 ) XXXX Capital One Auto Finance sent me a letter dated XX/XX/2023 stating they are accelerating my contract and that I now owe the total amount {$21000.00} stating I defaulted on a contract that is still being disputed according to the XXXX Codes. Which is another violation 15 U.S Code 1692 ( g ) ADVERSE ACTION against me the consumer. 

This is Unfair Billing under the Truth and Lending Act, since I know the full amount was already paid for, why is this company allowed to XXXX me of my rights. 

CFPB if this dispute is closed without further actions like the once before, you are at fault for not holding up the laws you have made oaths by.
Consumer complaint received 2023-03-30
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. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$3800.00}
Consumer complaint received 2022-08-19
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. (LA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-07-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (RI)

I did the closing on XX/XX/2022 and the the APR is over 8 %. Because I am paying so much interest, I was trying to pay it off as fast as possible. In XX/XX/2022 I sent a certified bank check of {$140000.00} to be applied toward principal only. However they took the about {$8000.00} as the 5 % prepayment penalty and another % XXXX plus as fees the could explained. After multiple phone calls, they reverse it and brought my balance to {$31000.00}. 

I requested a pay-off quote in XXXX and they wanted to charge me about XXXX more as, again, unexplained fees. After multiple phone calls again the issued another pay-off quote of {$33.00}, plus on XX/XX/2022. I wired transfer the money to them on XX/XX/2022, more than a month before the expiration date, but they still don't want to bring my balance to XXXX. No body in the company can give me an explanation about why. PHH mortgage is a nightmare. I don't believe there is any worst company than This company. They are acting as an organized crime institution. Federal authorities have to get involved to save the consumers from those crooks.
Consumer complaint received 2024-10-05
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (PA)

I received an alert that an inquiry was made in my name from American eagle on XXXX and XXXX of 2024 I immediately called the creditor and requested information regarding the account I was told that they couldnt give me any information the only thing they told me was that the inquiry was made but nothing else also they said would remove the inquiry. However I was informed that my social security number was found on the dark web and just need to take steps to ensure this doesnt happen again.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I was a " premier '' customer with HSBC which they advertise as there highest level of service and that they advertise " Choose how, when and where you want to do business with your dedicated XXXX XXXX XXXX ". 
They recently decided to cancel my credit cards and accounts - I would assume as part of their withdrawal from the XXXX as i qualify by the standards still shown on their website for accounts. My complaint in not that they canceled my cards and account - as I know they can at any time and I am completely unworried by that as I had existing relationships with other banks. My complaint is that my first notice of their action was my credit cards bouncing, then being canceled by XXXX XXXX  as begin invalid. This caused significant embarrassment with regular merchants and for my wife and I having transactions declined. It would seem HSBC wrote a letter on XX/XX/XXXX- the same day they cancelled the cards ( received some 6 days later ). When I called the premier help line once I was sure there was an issue two days later I was just told it was a " security issue '' and I would have to wait for the letter. My complaint is that HSBC, contrary to the service implications of their " premier '' advertising, did not have the good grace for a personal banker / anyone ( as promised ) to reach out and advise that they had taken this action. I am not complaining about the action itself, rather the way in which is was carried out. They behaved like we are all thieves and they chose to cancel before telling us. That is very insulting and contrary to the principles of treating customers fairly.I made a formal complaint to HSBC on XX/XX/25 and followed it up on XXXX. Their policy says they will reply to complaints in 5 working days hence making this complaint. I would also add that they were elusive and it took 42 minutes to finally get to make a formal complaint on this matter. My view being that there is was " effort '' to make the hurdle of complaining too high. I would add that the premier chat operator was not aware of the letter his own firm had written so couldn't really help anyway. I have written to the OCC and the NYDFS on their complaint failure and this sharp practice.
Consumer complaint received 2022-09-13
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: OneMain Finance Corporation (FL)

OneMain financial has already been contacted by me via USPS mail. There are still a few inquiries on my credit report. One main financial has not provided a sign contract stating that they solicited my information with my permission. Is incorrect reporting and inquiry has hindered me from receiving a mortgage, and apartment, and more in the past
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FinCo Services Inc DBA Current (TX)

On Friday, XX/XX/2022, I attempted to withdraw {$500.00} from an ATM. The ATM malfunctioned, did not disperse my money and presented a message that said something to the effect of, " Notes are not tendered, your account will not be charged. '' The next day, it showed that the transaction did in fact post to my account with Current Bank. I opened a Regulation E dispute with Current on Saturday XX/XX/2022. There has been zero communication from the company since then, their customer service refuses to let me speak to their dispute department and they have passed the 10 Business Day requirement of Regulation E to provide me with a temporary credit to cover the fraudulent transaction.
Consumer complaint received 2022-08-19
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX  XXXX Balance : {$3900.00}
Consumer complaint received 2022-08-19
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 ( Account, : XXXX Account # : 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 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Here are the rest of the fraudulent inquiry 's on my TransUnions Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here are the rest of the fraudulent inquiry 's on my XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (CA)

I had a credit card with XXXX XXXX The account number was XXXX. The account was overpaid by {$56.00} dollars and was evidenced by the last statement received with payment due date of XX/XX/XXXX. I have the statement. I called the bank because I had paid off the account and was unable to use it. I was told that the account was closed by the bank. The statement also states that the account was closed. I was told that a check in the amount of {$56.00} would be sent to my home address, which was : XXXX XXXX XXXX, XXXX XXXX FL. XXXX. I had requested records of the account yet I was told that the account was " Purged. '' I received a letter from Radius Global Solutions LLC dated XX/XX/XXXX charging me {$480.00} dollars. However, never obtained a new card nor was I able to have a card replaced as per the banks reports at the time. I have reached out to them and disputed the debt considering that the bank closed my account and claimed that my card was " Opened fraudulently, '' and so I was not able to get credit. The debt report shows that as of XX/XX/XXXX, I owed {$480.00}. The debt letter reference number is : XXXX Pin Number : XXXX web address to make the payment is : XXXX
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MA)

I signed up for a JetBlue barclays card XX/XX/2022. The advertised promotion was for XXXX points after spending {$1000.00} in the first 90 days, approved. I received a confirmation call of approval the next day, XX/XX/2022 at XXXXXXXX XXXX. After receiving my card, I swapped the cost of my flight of {$800.00} to my new Barclays card. I also confirmed with the JetBlue associate ( I have the screenshot of the conversation ) that the XXXX points was still the promotion. About two weeks later, I logged into my Barclays account only to discover that they applied a {$250.00} statement credit. Confused, I called Barclays. I was told that my promotion was a {$250.00} statement credit and XXXX points after {$1000.00} in 90 days. I argued with them for several hours over the next few days, stating that wasn't was I signed up for. I reached out to JetBlue for help, and they said it was out of their hands. I called up each company one last time and was told it would be escalated. That was a month ago. I have a confirmation number from this supposed escalation, but haven't heard anything since. I've called Barclays again, and they continue to dismiss me.
Consumer complaint received 2022-06-07
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. (TX)

act XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX XXXX XXXX ) also Account # XXXX XXXX XXXX XXXX. XXXX put information on multiple areas. 

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

15 U.S.C 1681 section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.