davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Opened an account with HSBC advance on XXXX with a promise of a welcome bonus after 8.wks. I called after XXXX when the 10K was deposited to make sure it was set up correctly to get bonus & was told it was. Called after the 8 wks and was told that they had another 90 days until they had to add the bonus. Did online chat and was told it would be added soon. Online chat again XXXX and was told they would open a inquiry. Sent a email Sent XXXX XXXX Dear XXXX XXXX XXXX Thank you for contacting HSBC BANK USA XXXX NA We understand your inquiry and apologize for the inconvenience. Upon reviewing your account details, we are showing our Campaign and Promotion Team has been made aware of the promotional bonus. A case  was opened on XX/XX/XXXX. Once a response has been documented on your account, you should receive a email. 

If you have any further questions or concerns, please don't hesitate to contact us either via BankMail or Live Chat. 
For additional information on the products and services HSBC Bank offers, please visit us at us.hsbc.com Thank you, HSBC Digital Contact Center HSBC Bank USA, N.A. XXXX. All Rights Reserved. 
In regard to your promotional query ( KM XX/XX/XXXX Dear XXXX XXXX : We are writing you in regard to your promotional query.We wanted to advise that we have sent a request to our Area Manager to provide approval for the {$400.00} promotion. Please allow three to five business days for this approval to occur. Once the approval occurs, we will reach out to you to provide this information. 

We appreciate your patience while we work on this for you. 
If you have any further questions or concerns, please don't hesitate to contact us either via BankMail or Live Chat. 
For additional information on the products and services HSBC Bank offers, please visit us at us.hsbc.com Thank you, HSBC Digital Contact Center HSBC Bank USA, N.A. XXXX. All Rights Reserved. 
Called XXXX. Nothing can be done The account # is XXXX
Consumer complaint received 2022-10-12
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. (GA)

I checked my credit report and I noticed those inquiries below, which I dont recognize and I would like them to be deleted from my report. See attachment. 

Inquiry details XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

XXXX SENT DISPUTE LETTERS TO XXXX, XXXX, EXPERIAN XXXX RECEIVED RESPONSE FROM XXXX  XXXX XXXX RECEIVED RESPONSE FROM XXXX  XXXX RECEIVED RESPONSE FROM EXPERIAN XXXX SENT DISPUTE LETTERS TO XXXX, XXXX, EXPERIAN XXXX RECEIVED RESPONSE FROM XXXX  XXXX XXXX RECEIVED RESPONSE FROM XXXX  XXXX RECEIVED RESPONSE FROM EXPERIAN I have sent requests to all 3 credit reporting agencies to correct a public record on my credit file as well as multiple inquiries for credit requests. A bankruptcy that is incorrectly showing on my credit report in which I have included a letter from the U.S. Bankruptcy court stating that they do not report to or furnish debtor/creditor information to the credit bureaus. The responses from all 3 bureaus state that the furnisher of the information is accurate and correct. The corporation reporting this information is XXXX, a company in which I have no dealings, business or contracts with. Furthermore, any and all information acquired and/or provided by XXXX pertaining to myself or my person has been done so without my express consent or by identity theft and should be removed as well.
Consumer complaint received 2022-09-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OK)

I took out private student loans through Navient, and they went into default in 2008. It was at some point sent to XXXX XXXX XXXX, and I setup payments through them. I've been paying the collection agency faithfully for the past probably 6-7 years. No missed or late payments. About 2 weeks ago, I receivedan email from the collection agency that the payments were canceled. No explanation given, and when i tried calling it says they are closed. I then today received a letter from Navient about my loans being in default. When I called them, all they told me was that XXXX XXXX stopped handling the debt, and that my only options were to make a settlement or pay in full. I asked for a letter and they refused to send me anything about the loan. I received zero help or information.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I paper work credit check from XXXX XXXX, and experian saying I have a bankruptcy on my account, I need this credit company experian to fix this problem that I have bankruptcy, which I dont, this needs to be fix asap, I have proof of paperwork with me. I will be getting in touch with my attorney on this matter. How credit company sends out wrong information like this.
Consumer complaint received 2020-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion, XXXX and XXXX. The CFPB complaint numbers were XXXX ( TransUnion ), XXXX ( XXXX ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by TransUnion, XXXX or XXXX to resolve anything. I also know that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 16810 ) if you fail to comply with Federal Law.
Consumer complaint received 2020-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TN)

I was at work at XXXX XXXX XXXX XXXX, working on my laptop with my cellphone beside me. I opened my mobile app on my phone to check my account balance and then logged out. After work I noticed my phone was showing no service, after getting it back on, I started searching through and thought to check my account. I noticed that my account had {$2000.00} extra dollars in it. My sons account is attached to mine and he was missing {$5000.00} of his savings. I then looked into the transactions on my account and noticed money transferred from his account to my account and withdrawn through XXXX and attempted through XXXX XXXX. {$2500.00} was withdrawn through XXXX and ready to post, while cash app had {$500.00}, still sitting there that they wouldnt authorize. I called my bank on XX/XX/XXXX, when I noticed this and told them of this. The transaction posted within 1 business day. They replaced the funds and then took it back on XX/XX/XXXX stating their investigation could not find the fraud that happened through them. They stated to come in and file a dispute with their decision and bring proof of the unauthorized transaction that they posted.
Consumer complaint received 2020-11-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rodenburg LLP (MN)

I have been trying to fix my credit file and during the process I have made several payment arrangements and settlements with various lenders. I am in dire financial hardship, I have had a job loss as well as a bankruptcy and I am also on XXXX XXXX, making all of my wages and earnings exempt from garnishments. However I have managed to pay everything off except for an unknown account in collections which is listed as XXXX XXXX XXXX. 

This debt collector remains to continually harass me and has recently acquired lawyers to attempt to sue me at Rodenburg Law Firm, specifically XXXX XXXX who has signed all paperwork. I have asked repeatedly for information regarding this account as it may have been included in my bankruptcy or it may have been created in fraud. They have repeatedly threatened me by sating that if I request validation, they will sue me. I have even made 3 attempts in the last year to get this paid by settlement and they do not respond. 

Recently they sent a " Summons for Judgement '' in which I responded to right away however they failed to file the case in XXXX County even after it has been over a week since they served me. This is just yet another way that this company continues to intimidate me into paying something which they know I have been disputing now for over a year. 

I also question if this law firm even has a Minnesota Licence to practice in Minnesota. Do they even have any ownership to this debt? All address on this law firm 's website only show a ND address. The alleged credit card " XXXX XXXX XXXX  '' also does not appear anywhere on my credit report either. 

This feels like fraud and looks like fraud and I am confident that it is fraudulent, I have worked with too many collection agencies ( unfortunately ) and they are normally happy to set up pay arrangements or settle accounts -- -This Company only wants to intimidate me and disclose as little as possible, First attachment is confirmation that I have sent letters to this company - who sometimes calls them self Resurgent? -- Letters were sent XX/XX/XXXX - XX/XX/XXXX & XX/XX/XXXX. 
( the letter confirmation to XXXX XXXX is not included in this complaint ) 2nd Attachment -- Copy of the letter I sent. This was basically the same letter sent 3 times, explaining that I do not know what this account is but I am seeking resolution. 

3rd Attachment -- Response that I received ( threatening to Sue me, no validation, no resolution ) 4rth attachment -- Finally the summons of judgement that I was " served '' with even though there has been no case filed in Minnesota
Consumer complaint received 2021-09-13
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: EQUIFAX, INC. (MI)

I sent letter to the credit bureau requesting info on a bankruptcy that was on my report. I ask for the source. Their response was XXXX XXXX. I proceed to XXXX XXXX, they deleted the bankruptcy from my credit report. So, then I sent another letter to credit bureau with a copy of the deletion. They didn't reinvestingation the credit bureau just stated that it was verified. But it can't be verified thru XXXX XXXX or the court hous.
Consumer complaint received 2022-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/22 Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

I am writing this letter to express my deep dissatisfaction with a recent issue involving my Macy 's American Express Card account. I discovered that I was charged {$970.00} in interest, despite having paid off the outstanding amount, The situation arose due to a payment scheduling problem, which led to this signific financial disaster caused by interest charges. 

I believe it is essential to highlight that I had scheduled the payment to be made through my bank account well in advance, in an effort to be proactive and timely. Money was sitting in the account waiting to be dispersed on the appropriate date. Somehow something went wrong. I am not quite sure what happened. 

Given these circumstances, I am disheartened that an error in the payment date has resulted in such a substantial interest charge. As a loyal customer of Macy 's American Express Card, I believe that this situation is unjust and unwarranted. I have always been diligent in making my payments on time. 

I spoke with XXXX XXXX XXXX ) regarding this matter. However, I was disappointed to learn that she was unwilling to connect me with her supervisor or manager to further discuss the situation and explore potential solutions. It is my belief that open communication and escalation are vital in situations where customers are facing financial burdens due to errors unknown to them. 

I kindly request the following actions to be taken : Adjustment of Interest Charges : I urge you to review my account and acknowledge that my payment was posted on an incorrect date in error, with the intention of it being made on the correct date. I kindly request that the {$970.00} in interest charges be reversed. I should not be held financially responsible for an error caused by a date discrepancy. 

I believe that Macy 's American Express Card values its customers and their loyalty. I trust that your organization will understand the significance of this issue and will take appropriate steps to rectify the situation in a fair and equitable manner. 

Thank you for your immediate attention to this matter, and I look forward to a swift resolution.
Consumer complaint received 2022-10-12
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: I.C. System, Inc. (DE)

I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OUT TECH, INC. (NV)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2020-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NY)

On XX/XX/XXXX, I received a phone call from Sequim Asset Solutions about a {$100.00} debt they received from XXXX XXXX XXXX XXXX for unpaid fees. I currently receive services from XXXX XXXX XXXX and pay monthly however they told me this from a previous account which was closed. The account was closed XX/XX/XXXX because billing responsibility was transferred to another account holder/ After the account closed, the old account accumulated recurring fees for a XXXX XXXX service I asked to cancel. I still made a payment in XX/XX/XXXX after learning the account was still not closed. A year and a few months later, I learned the recurring service for the XXXX XXXX was never cancelled and they sent the bill to collections ( Sequim Asset Solutions ). I was on the phone with over 10 different employees from XXXX XXXX XXXX for 9 hours just to find out that theres nothing that could be done and was left needing to pay for a bill on an account that was cancelled. I cried and have lost sleep since. This is by far the most traumatic thing that happened to me in such a challenging year.
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One withdrew {$1200.00} from my checking account at XXXX XXXX. They took {$620.00} twice. After alerting XXXX of this unauthorized withdrawal XXXX IMMEDIATELY refunded me. However Capital One reported my account as delinquent to the 3 credit bureaus causing a 250 drop in my credit rating. On top of that when l opened this account with Capital One they mistakenly withdrew {$500.00} multiple times causing 6 overdraft fees of $ XXXXea. Totaling {$200.00} which they promised to pay but NEVER did!!!.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

There is an address reporting on my reports that has never been associated with me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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
Consumer complaint received 2022-02-15
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: ENCORE CAPITAL GROUP INC. (NY)

On XX/XX/2022 I initiated a dispute. About negative information/ errors on my credit report. XXXX failed to provide me with the information I requested. As a result of not receiving the original signed credit application for the debt, the cashed checks used for bill payment or original billing statements XXXX allowed the debt collector ( s ) to post a alleged balance/debt as " past due ''. 
( See attached ) Midland Collection agency has no original creditor ( s ) noted on my report and this company appears multiple times. 
The debt collector XXXX has NO CONTACT INFORMATION '' listed on the report no phone number only a po box address. 
This is unfair to the consumer because one can not even contact the debt collector. So, I wonder if I the consumer could not contact the credit .how did experian contact them if at all. This could be the reason experian allowed the debt collector to continue posting this alleged debt on my credit report ( see attached )