davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-29
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: EQUIFAX, INC. (TX)

I am a consumer as identified in FDCPA 15 USC 1692a ( 3 ) and I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Pursuant to 15 USC 1692c ( c ) - notify debt collector in writing to cease and desist all communication. Ive recently reviewed my consumer report and noticed I have multiple authorize inquiries that are not associated with any open accounts on my consumer report. I will have my identity theft report attached to this complaint. Pursuant to FCRA 15 usc 1681 ( a ) ( 1 ) credit reporting agencies The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Pursuant to FCRA 15 usc 1681a ( d ) ( 1 ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for. So you should make sure these unauthorized account and inquiries are remove. Pursuant to FCRA 15 usc 1681a ( d ) ( 2 ) ( a ) ( i ) Exclusions from consumer report, report containing information solely as to transactions or experiences between the consumer and the person making the report. FCRA 15 usc 1681a ( d ) ( 2 ) ( b ) Exclusions from consumer report, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

They said they couldnt help me. I am unable to access over {$3000.00} that I need to pay for rent and bills for over three months now. I contacted XXXX and they say to contact Bank of America. I contact BOA and no one know anything. Its money sitting on the car, that I dont have access too.
Consumer complaint received 2024-12-09
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Eastern Account Systems Inc. 
XXXX XXXX XXXX XXXX XXXX CT XXXX Subject : Request for Arbitration Regarding Failure to Validate Debt To Whom It May Concern, I am writing regarding your attempts to collect an alleged debt ( Account Number : XXXX ). Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I exercised my right to request debt validation by sending you a formal written request on XX/XX/XXXX, which you responded on XX/XX/XXXX. 

Under the FDCPA ( 15 U.S.C. 1692g ( b ) ), a debt collector must cease collection activities until the requested validation is provided. However, despite my valid request, you have failed to provide sufficient validation of the alleged debt. Specifically, you did not provide documentation to substantiate the legitimacy, ownership, and amount of the debt as required by law.

Your continued attempts to collect the alleged debt without proper validation are a direct violation of my consumer rights under federal law. These actions have caused me unnecessary stress, confusion, and frustration.

Given your failure to comply with the legal requirements to validate the alleged debt, I am formally requesting arbitration to resolve this matter. Please provide me with a copy of your arbitration agreement, as well as details on how to initiate the arbitration process.

Additionally, I demand that all collection activities cease immediately until proper validation of the alleged debt is provided and this dispute is resolved. Please send all future correspondence related to this matter in writing to the address listed above.

If I do not receive a satisfactory response within 15 days, I will have no choice but to escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I hope we can resolve this matter through arbitration in a professional and timely manner. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

In XXXX of XXXX, I signed up for an HSBC Advance Checking under HSBCs Q3 2020 promotion. Under the terms of this promotion, eligible new customers who open a new HSBC advance checking account will receive XXXX dollars if the account is opened by XX/XX/XXXX and recurring direct deposits totaling at least XXXX from a third party are made for three consecutive months from the second full calendar month after account opening. 

On XX/XX/XXXX, HSBC informed me via email that my account was approved. Therefore, if I make qualifying direct deposits on XXXX, XXXX, and XXXX, my account is eligible for the promotion. The offer mentions that the bonus will be credited no later than 8 weeks after the qualifying activities are met. Therefore, the latest the bonus should be delivered would be around the end of XX/XX/XXXX. 

After making the qualifying direct deposits in XXXX, XXXX, and XXXX and waiting the 8 weeks, I still did not receive the promotional bonus. I reached out to HSBCs customer service department and gave them the details of the promotion and my account activities. The customer service representative filed the case and gave me a case ID of XXXX. I was told I would hear back after the team that performs the account review reached a decision. I did not receive a callback so I had to follow up and have the case reopened. After discussing with XXXX XXXX, it was revealed that my promotion was rejected because the direct deposit was not considered a payroll deposit. I clarified that the name of the company I worked for was cutoff due to its length and to have the rewards department review my account details again. 

After waiting 5 business days, I was contacted by XXXX again on XX/XX/XXXX informing me that I was still to be rejected because the deposit was a cash concentration and not considered a payroll deposit. Even after describing that I can demonstrate the XXXX configurations that show the payroll deposit details, I was told that the case was closed and that the promotional bonus was to be reneged upon by HSBC. 

I plan to file suit using a consumer law attorney and receive representation for this case. I truly wonder how many promotions HSBC reneged upon considering the amount of companies that use XXXX as their payroll system and how many direct deposits may have gone classified as cash concentration. I hope to see CFBP take action and potentially have a class action lawsuit opened.
Consumer complaint received 2021-05-07
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: Stevens Business Service, Inc. (MA)

Stevens Business Service is reporting an account under their own name on my credit report. Under Massachusetts state law, a debt collector may only report on a consumers credit report while using the name of the creditor only. They are in violation of : 209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17. 
( XXXX ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. 
940 CMR 7.07 : General Unfair or Deceptive Acts or Practices : It shall constitute an unfair or deceptive act or practice to engage in any of the following practices to collect or attempt to collect any debt : XXXX XXXX ) Using any business, company or organization name other than the true name of the creditors business, company or organization ( XXXX ) Reporting to a consumer reporting agency on transactions or experiences with a debtor in a name other than that of the original creditor I have contacted XXXX 's 3 times via certified mail and informed them of their illegal reporting. They have failed to remove their illegal listing. 

XX/XX/2021 I reached out to the Attorney General 's office. The AGO stated that a formal complaint should be filed with the CFPB for removal of the account.
Consumer complaint received 2021-08-23
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. (FL)

Recently my attorney and I settled for an undisclosed amount with XXXX  because of their failure to comply with the fair credit reporting act section 605B pertaining to identity theft. I have recently sent XXXX A new FTC report and police report but according to their records they dont even have the FTC report or police report that was used for the settlement that they had at one time. I find it interesting that this particular credit bureau had a major security breach which unfortunately I was a victim of. Recently we settled a lawsuit because of their failure to comply with the fair credit reporting act and again I am making a complaint prior to suing them again hoping that they will make a correction giving this credit reporting agency the benefit of the doubt. But unfortunately even after I sued them and won They still failed to comply with the FCRA using other countries to answer their calls and process the data for disputing and these countries are not familiar with the FCRA because when I questioned their representatives they are absolutely oblivious to the laws.
Consumer complaint received 2021-04-15
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: Experian Information Solutions Inc. (CT)

I reached out to the three bureaus and told them about at debt on my report that doesn't belong to me and asked them to prove the debt with my signature and the validity and send me the results and they have not. The item is XXXX XXXX # XXXX.
Consumer complaint received 2021-04-16
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. (IN)

Still many inaccurately reported items. Have disputed this multiple times. The inaccurate information violates my rights under FCRA. Please see proof of most recent report and inaccurate items with red check, between Experian and XXXX. Delete immediately.
Consumer complaint received 2021-05-07
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)

I recently reviewed a copy of my Transunion credit report on XX/XX/2021 and noticed an inquiry that was unauthorized, inaccurate, or made in error by XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (GA)

I XXXX XXXX did not authorize the use of my credit card by Equifax. I received no benefit from the inquiries that are on my consumer report. 15 usc 1602 ( p ) unauthorized use.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I just got an updated copy of my credit report and there are some hard inquiries that I dont recognize. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-04-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MD)

After I was laid off for 2 1/2 years in XXXX, after my husband had emergency XXXX XXXX XXXX  XXXX, which he is XXXX now, and has had 3 XXXX  XXXX  and 1 XXXX  XXXX  since then. My XXXXrd Loan Modification was approved in XXXX by Seterus. There was a balance of {$32000.00}, when I was laid off, but they approved my Loan Modification. Then Seterus filed bankrupt, and sold my mortgage to Mr. Cooper Mortgage Company. Mr. Cooper Mortgage Company claim that because I have had 3 Loan Modifications in my life-time, due to loss of job beyond my control, they can not approve my loan, so instead of them continuing or carrying over my Loan Modification or approve, they however, carried over the balance from Seterus. Mr. Cooper sent me an email that I could apply for the forebearance in XX/XX/XXXX, when Mr. Cooper took over my account, along with 300,000 other homeowners. Now, I'm facing foreclosure in XX/XX/XXXX, when the forebearance ends, if I don't pay that {$32000.00}, but I have already paid them {$10000.00}, since XX/XX/XXXX to present. I'm trying to make a month 's payment now, but is unable to click on the payment button, for it to work.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

Hard inquiries that were fradulent and should be removed from my consumer report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Ally Financial
Consumer complaint received 2020-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (KY)

This apartment complex added Debit on my credit report for {$3400.00}. I never lived there in my life I never lived in that city were the apartment complex located. XXXX XXXX in XXXX Kentucky. I tried to dispute multiple times through my credit bureau. I have all evidence to support that Ive been living where I currently live for the past six years of my life. I need this removed please. Its affecting my credit score big time.
Consumer complaint received 2021-05-07
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: Experian Information Solutions Inc. (SC)

I recently reviewed a copy of my Experian credit report on XX/XX/2021 and noticed an inquiry that was unauthorized, inaccurate, or made in error by XXXX/XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2021-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

I have been working with FedLoans ( PHEAA ) to get several monthly payments counted as qualifying payments towards PSLF for several years. 

Issue 1 : In XXXX and XX/XX/XXXX, my monthly payment due was $ XXXX/month. During XXXX and XX/XX/XXXX, my loans were transferred from XXXX XXXX to FedLoans, and I was placed in an administrative forbearance without my consent. Despite being in an administrative forbearance, I continued to pay my monthly {$0.00} per month even though no bill was generated. Therefore, I have been trying to get those two months counted as qualifying payments towards PSLF for over seven years. 

I have contacted FedLoans about this issue with no resolution. I then contacted the FedLoans Ombudsman after hearing nothing. I still have heard nothing. 

Issue 2 : In XX/XX/XXXX, I requested that my then-current loan servicer, XXXX XXXX, apply a loan interest reduction under the Servicemembers Civil Relief Act ( SCRA ) since I was serving on XXXX XXXX in the XXXX XXXX XXXX XXXX In that letter, I specifically stated that I did not want to enter into a military forbearance. However, XXXX XXXX placed me into a military forbearance against my wishes. This caused my loans to be in a military forbearance from XX/XX/XXXX through XX/XX/XXXX. ( More info below ). 

In XX/XX/XXXX, my loans were transferred to XXXX XXXX. In XX/XX/XXXX, I worked with XXXX XXXX to correct its mistake. XXXX XXXX requested that the Military Forbearance be removed from my account and that the $ XXXX/month ICR payments be counted toward PSLF. 

Finally, in XX/XX/XXXX, FedLoans removed the military forbearance for the period of XX/XX/XXXX through XX/XX/XXXX. As a result, my qualifying payments were recalculated to include XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to count toward PSLF. However, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were not counted as qualifying payments even though those were still {$0.00} ICR payments. I made several inquiries about why those three months were not counted, and I have never received an update. 

I have contacted FedLoans about this issue with no resolution. I supplied copies of the paper work from XXXX XXXX to XXXX XXXX in that complaint. I then contacted the FedLoans Ombudsman after hearing nothing. I still have heard nothing.
Consumer complaint received 2021-05-07
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)

I recently reviewed a copy of my Transunion credit report on XX/XX/2021 and noticed an inquiry that was unauthorized, inaccurate, or made in error by XXXX at XXXX XXXX  XXXX XXXX, IN XXXX
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened a secured credit card with a deposit and was approved. When the card came - the card was blocked from purchases. After many attempts to viewing my identity within a three month period I gave up and asked them to close my credit card since I had not been able to use it. 

They said they would return my deposit. 

Ive called numerous times and emailed and its been over 8 months and still have not gotten my deposit. 

I would also like them to remove the credit inquiries on my credit profile that they did with false intentions. There are three.
Consumer complaint received 2022-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (IL)

they called XXXX central time harassing me multiple times and threatening me, I sent a debt validation letter 2 times on XX/XX/21 and XX/XX/21 each time this company [ CAPITAL ACCOUNTS LLC XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency did not verify this collection. Also there was no written form of contract or signature. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit report.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

Called Wells Fargo about interest rate on the visa personal credit card. They said can not negotiate interest rate. It is based on what you agreed to at time of application for card. I have had card for 20 years or more. I requested copies of all documents I signed regarding this card by letter on XX/XX/2021. On XXXX XXXX I received a form regarding the terms of my credit card account. I have not received the documents I requested. I believe they do not have anything signed by me and do not have the authority to charge any interest. My initial application was with a bank Wells Fargo bought. I never received anything about applying for a Wells Fargo credit card. Just received one in mail after they bought out my bank.
Consumer complaint received 2021-09-29
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Incorrect name and addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX