davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I did a credit card transfer to HSBC several months ago to take advantage of 0 % interest for X number of months. I was given a {$5500.00} limit which is far below what I get with other banks given the money I have and my good credit in the past. 

Recently, I made charges that went roughly $ XXXX {$200.00}, beyond the limit. I do not keep track of what I owe because I have plenty of money. This is my only debt!!!! I could pay this off today if I wanted but I need some credit. 

When I went over the {$5500.00} in spending HSBC NEVER DECLINED THE SALE!!!! When I spoke with XXXX at XXXX ( collections ) she told me it was my responsibility to know how much I owed, hence saying it was my fault this happened. 

NOW MY XXXX  SCORE IS DOWN TO XXXX. This is unacceptable!!! HSBC took my money then punished me for it. I am seeking employment and this will cause a problem. With my next payment I will be within {$30.00} of my credit limit. Again, I COULD PAY THIS OFF TOMORROW BUT I NEED CREDIT and given the trying times I am not going to pay this off but I might transfer it elsewhere given the treatment.
Consumer complaint received 2019-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bureau of Accounts Control (NJ)

I CALLED MY FAMILY DOCTOR AND ASK THEM ABOUT WHY IM IN COLLECTION. THEY STATED THEY DI'NT HAVE ANY RECORD OF THE COLLECT ACCOUNT. THIS COMPANY HAVE {$90.00} COLLECTION ON MY CREDIT REPORT. 

BUREAU  OF  ACCOUNTS  CON  XXXX XXXX XXXX XXXX XX/XX/2017 {$90.00} {$90.00} XXXX XXXX XXXX  XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Consumer complaint received 2020-09-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I took out the paid all but XXXX got Ill and couldnt pay it off. My bank closed out my back up debit pay system. Now threatening to have me arrested and sold debt 2 times. Now attempting to throw me in jail. Offered to pay them they refused to send me anything writing. Only would accept debt card or credit card payments refused to identify who they were there mailing address. I never received any letters about the remaining debt and now they want a full XXXX called from unknown number stating if I didnt comply I would be arrested. Called from XXXX gave a case number XXXX hung up on me multiple times and called my ex wife and threaten her she has XXXX XXXX and XXXX called me in tears. Spoke to 4 different people 4 different times. I never received any letters regular post or certified.
Consumer complaint received 2020-04-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I placed an order to purchase the XXXX XXXX from the online store ( XXXX, one brand of XXXX  ), the date is XX/XX/XXXX. My BOA credit card was charge on XX/XX/XXXX, but I did not get any shipping information from seller. XX/XX/XXXX, I sent email to seller to inquire about the order status. I got a reply from seller on XX/XX/XXXX. They told me the items did no ship out yet, they also did not tell me when the items should be shipped out. I reply them to ask for cancel the order. Because they promised they should send the items within 7days ( not 7 busines days ) from they got order. From that time to now ( XX/XX/XXXX ), I never got any message from seller, they also did not cancel order or shipped out the items. According this status, I want to disput this transaction from my credit card. But when I login my BOA online bank and tried to dispute this transaction, the onlin bank did not allow me to do this process. The online bank appeared I must to call a phone no. XXXX. I did online disput before, I did not understand why BOA did not allow me to do this time. My oral XXXX is not good to call a customer service agent, I think BOA this behavior do bring me too difficult to use credit card. I also do not understand why BOA change the disput method. 

Thank you for your time and attention
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I applied for a capital one silver card I was approved for XXXX initially there was a delay in my application process and I was asked to mail a copy of my drivers license and with no avail after capital one identified I was XXXX American they came back and said my credit limit would only be {$500.00} my credit score was XXXX with all major credit bureau with no collections I have at least 6 people that are non XXXX American that have XXXX credit limit with less income and XXXX credit rating this type of bigotry is unacceptable and against the law.
Consumer complaint received 2022-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION SERVICES OF ATHENS, INC. (MO)

I sent this letter to Collection Service O and 40 days later I never received a response. 
This account is not mine, this is a fraudulent charge on my account that needs to be removes. 
I disputed this with XXXX XXXX 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 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. 

XX/XX/2022 Collection Service OF Athens XXXX XXXX XXXX XXXX GA XXXX To whom this may concern Your company said I allegedly owe you money I will PAY under one condition if you can provide. 
1. Validation of the debt-that is, the actual accounting.

2. Verification of a signed Invoice.

3. A copy of the contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 


Kind Regards XXXX XXXX
Consumer complaint received 2022-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NV)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2022-06-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (VA)

I contacted one main financial on XX/XX/XXXX and told them due to me being out for XXXX they will have to continue to take monthly payment by auto draft set up with my bank account information. I continue to get calls 3 times a day and from different numbers 1 ) XXXX XX/XX/XXXX XXXX XXXX  XXXX 2 ) two calls made from Branch on XX/XX/XXXX XXXX ) Friday XX/XX/XXXX XXXX XXXX XXXX  and XXXX two voicemails were left that day. The repeated calls continue daily from other numbers daily and again today XX/XX/XXXX 1 ) XXXX 2 ) XXXX from XXXX 3 ) XXXX XXXX. They are using deceptive practices to call from Numbers at branches my loan is not with and leave messages asking to Call back number to main branch. Im Requesting that they remove my banking information from their system and not to draft and loan payments going further I am also requesting that the loan company be punished for their deceptive collectin practices and obsessive harassing calls to my cell phone when I had payments set up for automatic draft
Consumer complaint received 2022-07-14
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-04-30
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: Experian Information Solutions Inc. (TX)

I request a credit report from Experian and find that there are 3 inquiries that I did not recognize as followed : XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX ME XXXX ( XXXX ) XXXX XXXX Address ID # ; XXXX Date XX/XX/XXXX Reason Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX/XXXX XXXX No phone # available Address ID # : XXXX Date XX/XX/XXXX Reason Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX XXXX Address ID # : XXXX Date XX/XX/XXXX Reason Business. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2020-04-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NORTHWEST BANCSHARES INC (NY)

I just received a letter from XXXX XXXX informing me that my loan had been purchased by XXXX from my current loan servicer ( a bank ) and that my existing loan terms, payments, and condition of the mortgage would not be affected and my servicer would remain the same. My servicer offers mortgage customers the opportunity to buy down their mortgage rate and the ability to go from a 30-year to a 15-year note for {$1500.00}. I have been tracking the rate for several months and wanted to lock in when it could be reduced by at least one percentage point from my existing rate. However, I was told by my servicer today that this option is no longer available to me now that XXXX XXXX purchased my loan, as this would be considered a modification. However, they do allow modifications if I were financially unable to make my payments, but they won't allow a modification related to an interest rate buy down. This is directly harmful to me, as I had no say in whether my loan would be purchased by XXXX, yet now I've lost a beneficial program as a result. My only option is to refinance the mortgage, which would cost significantly more ( $ XXXX $ XXXX XXXX than the program my servicer offers to their mortgage customers. I don't understand why a modification is allowed for a financial hardship but not for an opportunity to reduce my rate and loan term. This is patently unfair and harmful to me as a consumer and I would like to know what can be done about this.
Consumer complaint received 2022-06-14
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: AMERICAN EXPRESS COMPANY (NJ)

Hello, I am actively investigating unauthorized access of my credit report and I have observed unorganized inquiries and or attempts of credit with my information. I have already contacted the individual credit companies and initiated disputes to have each of these inquiries removed from my report. 

Attached are the inquires mentioned as well as active dispute cases PLEASE REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT : XXXX  XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2020-09-17
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: JPMORGAN CHASE & CO. (TX)

I am send his letter to explain my situation I went. To XXXX XXXX  XX/XX/XXXX I was staying to XX/XX/XXXX first off all they charged me before I got there XXXX XX/XX/XXXX th XXXX went I got there I didnt no they recharged me whole amount n XXXX deposit that I never even got back when I got there hotel was filthy I called N explained it she was very rude old cigarette buds every where She told me they have workers around around there so I was disgusted then my little boy found a dirty used needle I panicked I didnt no if he poked his self or not his has XXXX XXXX XXXX  my husband terrible upset so I changed my flight n left XX/XX/XXXX like I told manger on duty she told shes very sorry they would take care of all charged she seemed compassionate of the situation so I took her word for it but at all honestly she didnt do anything but charged me more then what I was suppose to pay when I got home so I left with out goin up there Cause she was so nice on phone and I was so upset I just left after I talked to them when I got home I kept callin n callin XXXX her name was she kept saying I told him to call he never would call me back cause carona And also emailed him repeatedly I could of sued that hotel for health violations let alone not refund me as I was told they was going. To when I got home they refused to call me over n over reappeated calls I didnt even stay not half the time let alone the whole time I re bought new flight as Im sending both proofs under no circumstances should I have to pay for there filthy error This was totally unprofessional my account # is XXXX they charged me XXXX, Chase denied my claim I proved I left early n every thing they wouldnt even care to let me explain how I didnt stay there Cause it was filthy I left was still charged whole time asked to speak to manager they kept telling me he will call me he never did ever months went on
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (SC)

Investigate the Truist Bank for XXXX Credit Card fraud and Information Theft compromised on XXXX XX/XX/XXXX Truist Bank XXXX XXXX  My Personal Name and Information are HACKED by cybercrimes established on an illegal Website because the Claimant has NEVER opened current XXXX XXXX  Accounts in this Truist Bank Multiple Illegal XXXX Credit Card Accounts Only Allow the Bank will resolve the issue after A Criminal Investigation is completed and da report is required to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigate with Impunity XX/XX/XXXX XXXX
Consumer complaint received 2020-04-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MS)

I have a bankruptcy that has been on my report since 2013, I am wanting to see if I can get it removed early. it is suppose to come off in XXXX of this year
Consumer complaint received 2024-08-17
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: EQUIFAX, INC. (LA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2020-04-29
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: EQUIFAX, INC. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

XXXX XXXX  XXXX {$870.00} XXXX  XXXX {$14000.00} XXXX  XXXX   XXXX {$600.00} XXXX XXXX XXXX {$19000.00}
Consumer complaint received 2020-04-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

There was some type of discrepancy between my mortgage company and the escrow account of my mortgage, I recently received a notification that my mortgage was going to go up, about XXXX dollars every month for a period of one year. When I contacted the mortgage company for an explanation, they wouldnt give me a clear explanation of the matter. I did an escrow analyses, an noticed that the property taxes were not pay on time, which there was a late fee charge, and also the taxes were pay three times instead of twice. The name of the escrow company is ShellPoint mortgage services. I brought things matter to there attention but they still havent gotten back to me and they are being very unprofessional, as if they dont want to deal with it, and I dont think is fair.
Consumer complaint received 2023-01-09
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)

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (PA)

I had a paypal credit account and was paying it every month. While paying it my pay pal account was then changed to a MasterCard account with Synchorny Bank. In doing so they charged off my account. And was told although I want to pay the entire balance off. I was told that it will remain on my credit for seven years. This has infringe my possibilities to refinanced my home for seven years. Please help me
Consumer complaint received 2020-09-09
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX I've reach out to this company regarding late payments, which I ask for a goodwill forgiveness letter. They refused to remove late payments from my credit report, which to this day I've made my payments on time for the past year. I believe I've providing myself as a loyal customer.
Consumer complaint received 2020-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

During a routine examination of my Consumer Credit report with XXXX, I found a new collection account listed as XXXX XXXX XXXX for an alleged XXXX XXXX XXXX  debt. On XX/XX/XXXX, I opened a dispute via TransUnion online account page. 

Upon contacting XXXX XXXX service personally they could not provide me with any information as to the ownership of this account or documentation that it was my debt. They only offered high-pressure tactics to collect the alleged debt. They offered a partial settlement but no proof of ownership. Therefore, I disputed with the three major credit reporting agencies. 

The account was not verified with XXXX and the collection was removed from my consumer report. However, on XX/XX/XXXX I received an email stating that the collection account listed on my report with Transunion has been " verified ''. 

I have been a customer of XXXX XXXX XXXX since XXXX and still maintain an active, current account with active wireless service. XXXX XXXX XXXX shows no bad debt on my account. XXXX XXXX XXXX has drafted my checking account monthly for my monthly invoices and continues to do so. 

I feel like this is extortion. I have never received any notice of collection, any XXXX letter, I am unable to be provided with any proof of this debt being mine. However, without evidence, this bogus account continues to remain on my consumer credit report as if it is factual in turn costing me money in increased interest rates and denial of credit extension. This practice violates the law. Transunion states this debt is verified but can not provide me with any means of verification. I suspect no verification process was completed.