davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I am in receipt of HSBC 's response regarding account number XXXX, dated XX/XX/XXXX. In their response, HSBC has the audacity to state, " While in operation, it was the policy of HSBC to conduct its business in full compliance with the letter and spirit of the laws and regulations of every community in which it operated and to adhere to the highest ethical standards. HSBC does not participate in, support, or condone predatory lending and servicing ''. Really ... ... ... In contrary, headlines state differently as evidenced by such : XX/XX/XXXX. HSBC agrees to {$760.00} million settlement with DOJ over pre-crisis mortgages Plus {$26.00} million settlement with Massachusetts. many of these loans were presumptively unfair under Massachusetts law because they had debt-to-income ratios over 50 %, included substantial prepayment penalties, had loan-to-value ratios over 97 %, and included other problematic features. Case in point account number XXXX. Beneficial 's solution ; sell these toxic mortgages to XXXX XXXX XXXX, XXXX and others and offload the problems. HSBC continues to insufficiently address my concerns with my parent 's alleged enforceable loan. They have yet to explain to me on behalf of my deceased parents how the legal description in the loan documents does not match the alleged security interest they sold to a third party to avoid further scrutiny. Not to mention, addresses, zip codes, credit reports, appraisals and title searches contain numerous errors. Fraudulent and predatory to the core. I demand an investigation into these matters. Who did they sell my parent 's alleged loan to? Why has an assignment not been filed? Does my parents have any obligations to HSBC or XXXX XXXX XXXX at this point? Has HSBC conducted any investigation into the defective legal description noted in alleged loans dated XXXX, XXXX and XXXX? What have they done about it?
Consumer complaint received 2018-09-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

I have a Bank of America checking, savings and CD account and my CD was for 48-months. I received the letter in XX/XX/2018 to contact Bank of America regarding CD. I visited one of the branch in XXXX, CA on XX/XX/18 and was informed that I have to call or visit the branch on XX/XX/2018 to either withdraw the cash or continue for another some time. I was also told that Id be informed on XX/XX/XXXX how much the interest rate will be there. 
Today, on XX/XX/XXXX I called Bank of America, waited for 45-minutes over the phone and later talked to an extremely impatient woman XXXX who refused to help me. I hate the way Bank of America treat its customers. I really seek help to get all of my cash from my checking, savings and CD accounts and close Bank of America for good. Its the worst bank in the United States.
Consumer complaint received 2018-10-01
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: Consumer Portfolio Services, Inc. (NC)

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the CONSUMER PORTFOLIO SVC and all 3 credit bureaus a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Consumer complaint received 2018-10-01
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. (AL)

I challenged the accuracy, compliance and reportability of two bankruptcies a Chapter XXXX and Chapter XXXX showing on my credit report on XX/XX/2018. I asked for XXXX, Experian, and XXXX  to please validate this information with United States Bankruptcy Court XXXX XXXX of Alabama and provide me with copies if any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received information for all three bureaus stating it was verified and will remain. The bureaus never contacted the courts but instead they reached out to a third party XXXX XXXX to provide this information. I have opted out and placed a freeze on my credit and consumer file which is attached as well as a letter from the United States Bankruptcy Court XXXX XXXX of Alabama stating they do not report this information.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

ON XX/XX/XXXX at XXXX I contacted Capital One in regards to a balance if {$470.00} reporting on my XXXX , XXXX , and XXXX credit files, but my balance is {$350.00}. I spoke with a Representative Name : XXXX employee #  XXXX who stated I have to wait 30 days after I put my request in writing. I explained to her this is in accurate balance and its a violation of the FCRA to not update correct information referring to my account information. Also when I opened my Capital one Acct XX/XX/XXXX I was told after 5 months of on time payments I will get a credit increase. that did not happen I didn't get an increase until XX/XX/XXXX. I feel this company fail to be in compliance of what they write in fine print.
Consumer complaint received 2018-10-01
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. (AL)

I challenged the accuracy, compliance and reportability of two bankruptcies a Chapter XXXX and Chapter XXXX showing on my credit report on XX/XX/2018. I asked for XXXX, XXXX, and TransUnion to please validate this information with United States Bankruptcy Court XXXX XXXX of Alabama and provide me with copies if any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received information for all three bureaus stating it was verified and will remain. The bureaus never contacted the courts but instead they reached out to a third party XXXX XXXX to provide this information. I have opted out and placed a freeze on my credit and consumer file which is attached as well as a letter from the United States Bankruptcy Court XXXX XXXX of Alabama stating they do not report this information.
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX is trying to collect on Student loans after XXXX and XXXX XXXX has been granted. I continue to receive harassment by phone calls. I believe that this violates the Consumer Financial Protection Bureau settlement with XXXX. 

Notification to the lenders was provided in XX/XX/XXXX by my Veterans Attorney with a copy of the XXXX determination by a Federal Judge. 

I am XXXX XXXX and receive only Social Security XXXX Benefits and VA Healthcare. 

Accounts with inaccurate reporting are : XXXX reported as late XX/XX/XXXX-XX/XX/XXXX balance {$5900.00} XXXX reported as late XX/XX/XXXX-XX/XX/XXXX balance {$2900.00}
Consumer complaint received 2018-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP (RI)

I have had a traditional XXXX account for over 40 years. There is no balance on this account. 
I started to receive a bill for a XXXX XXXX XXXX XXXX account for approximately XXXX in XX/XX/2016. 
I have never opened this account or charged anything on it. I do not have this credit card. When I called XXXX they had no record of the account and I was advised to call XXXX XXXX who also said they have no such account. 
No one was able to give me any explanation nor could they cancel something they had no record of. However I have continued to be billed for this. 
Any help would be greatly appreciated.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This complaint seeks action to compel Capital One Financial Corporation to fulfill its legal obligation under Internal Revenue Code ( IRC ) Section 6050P by issuing Form 1099-C, Cancellation of Debt for an account that it has reported as charged off. Despite my formal request on XX/XX/year>, Capital One has yet to provide this form, hindering my ability to manage my tax obligations and accurately represent this debt to relevant authorities.

Description of Violation : Under IRC Section 6050P, any lender who discharges or cancels a debt over {$600.00} is required to report the cancellation as income by issuing Form 1099-C to both the debtor and the IRS. Since Capital One has classified this debt as charged off, it has effectively treated the debt as uncollectible and subject to discharge for reporting purposes. The issuance of Form 1099-C is therefore necessary to document this cancellation of debt as taxable income.

Without this form, I am unable to meet my tax filing obligations accurately, nor can I fully clarify the status o
f this account with relevant parties. Additionally, the absence of Form 1099-C makes it challenging for me to address this accounts reporting with credit bureaus, as the outstanding balance on a charged-off account appears inconsistent with Capital Ones classification of the debt. 


Thank you for your prompt attention to this matter. I am prepared to provide any further documentation needed to assist in your investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-10-01
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. (MO)

I have been disputing incorrect information on my credit reports for over a year, I have sent faxes, fraud reports and filed multiple complaints. Experian had my personal information incorrect on my reports also my address nut refuse to remove, I have requested the information they have to verify the correct addresses collected also bankruptcy information they refuse. information is supposed to be verified with a signature or i am supposed to be provided the information from any 3rd part they are using to verify court information in which I have never received. I am requested all inquires unauthorized removed also all address but my correct address XXXX XXXX XXXX. I am showing multiple companies pulling my credit report from all 2 bureaus with no authorization.
Consumer complaint received 2018-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PMAB,LLC (NC)

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, 2018, and XX/XX/2018. It is now XX/XX/2018. I sent the PMAB LLC and all 3 credit bureaus a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Consumer complaint received 2018-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NC)

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, 2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and the CREDIT BUREAUS a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Consumer complaint received 2018-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2018 I notified my branch Capital One Bank XXXX XXXX XXXX XXXX NY, XXXX ) that on Monday XX/XX/XXXX I would be making a deposit of {$6500.00} in wrapped coins. I have multiple accounts with said bank, but this was for my business account ( XXXX XXXX XXXX XXXX ) I was told not to bring the deposit until we get approval from the Branch Manager! I was extremely upset and told them that banking regulations are strictly monitored and they can not refuse to take a deposit from me.They were well aware I owned a XXXX XXXX and would seldom deposit WRAPPED coins, th y said it would not be a problem. I read my contract I signed upon opening th account and nowhere in the contract did it state there was a limit to what I could deposit, Cash or Wrapped coins neiether one.

Eventually bank manager called me and said we dont have room to store that amount that I would have to make multiple deposits on different days/weeks. This is ludicrous and nonsense, they are now  allowed to make there own rules when it comes to deposits and so on. I am still sitting on every dollar in my house and think its unsafe to have that amount of monet sitting around because my bank thinks they can make there own rules when it comes to banking.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ERC (AZ)

Hello I am writing this because XXXX XXXX company imputed a collection account on my report. The original creditor was XXXX. I disputed this account when XXXX XXXX was on my report with same account. 

This account was deleted of my report they could not verify or have my signed contract. 

XXXX XXXX needs to delete this off my report
Consumer complaint received 2018-10-01
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. (NV)

About two weeks ago, I wanted to purchase a refrigerator from XXXX. Doing the on-line paperwork I intended to use our XXXX XXXX that has a credit limit of {$14000.00}. XXXX offered XXXX dollars if I signed up for their credit card. I did and was told I only qualified for a {$1000.00} limit, half the amount. Called Experian and was not given coherent answers. Called XXXX, same result. Ordered a financial profile from Experian and they said " lenders may see you as very reliable ''. I made clear to XXXX and Experian that I owned my home, had no debts ( always pay off credit cards ), good bank account etc. Maybe they were worried I was too old-XXXX. Received an unsigned letter on XX/XX/XXXX, dated XX/XX/XXXX. The letter said my credit score was XXXX. Our bank, XXXX XXXX XXXX XXXX lists credit scores of XXXX for past 6 months at least and XXXX XXXX says our scores are at least 800. This was extremely sloppy research and neither XXXX or Experian attempted to call me. Bottom line, XXXX lost a {$2000.00} sale because of the incorrect credit score. XXXX credit reference reference number XXXX.
Consumer complaint received 2018-09-17
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)

On XX/XX/2018 I sent out a certified letter with proof of identification to EQUIFAX in regards to removing the unverified accounts XXXX  XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX - {$2700.00} Balance from my credit. the listed items are entirely inaccurate and incomplete & represents a very serious error in Equifax 's reporting, I asked to see Verifiable Proof ( a original Consumer Contract with my Signature on it ), in which They are required by federal law to verify FCRA ( Section 609 ( a ) ) They did not provide me with a proof of verification, they replied stating that they have verified the information without the proper document. On XX/XX/2018 I sent out a 2nd letter Stating that they have not removed the items that have not been verified which is required by law and they have had 30 days to investigate in which law requires removal of unverified accounts if unable to verify. As a gesture of my goodwill before litigation if needed, I will restate my dispute. The following information needs to be verified by the credit reporting agency, following failure to verify, deleted from the report as soon as possible.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

It shows on My Experian report XXXX XXXX XXXX is reporting loans account # XXXX a 90 days late as XX/XX/XXXX. I have dispute the information with Experian and they sent a letter stating the information were correct with no proof. I also reach out to XXXXXXXX XXXX XXXX XXXX XXXX of times, they also stated the information were correct. I spoke with a Rep XX/XX/XXXX. She stated she will open another dispute and will reach back out when dispute is finalized. I have not received an email or notification regarding this matter. My account never been late I always had my account in Deferment or forbearance status. There is no way I could have fell in a 90 day late status
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (GA)

I have had multiple cards with this XXXX and have always paid my accounts on time. They have closed accounts that were in good standing with no balance like my XXXX XXXX account. They have lowered credit limits on 4 of my credit cards which impacted my credit score tremendously. They are ruining peoples credit and lives. By them closing accounts in good standing and lowering my credit limits after having the accounts 2+ years it has hurt my house buying process. This company needs to be stopped or a lawsuit needs to be filed against them. They do not give you notice of closures or limit decreases until 30+ days after they have done it. My credit has been damaged due to them and their unlawful practices. NOT ONE ACCOUNT WAS OR IS IN BAD STANDING!!
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Debt is being disputed since original creditor ( XXXX ) didn't comply to accept payment on my 12th payment, to pay off ( cash price ) amount as requested and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12th payment as listed on attached agreement. Also I'm attaching alert email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. Attached letter to validate debt and removal if not response is receive by due date. XXXX  is using XXXX XXXX XXXX to collect money I don't owe, XXXX XXXX XXXX used XXXX XXXX XXXX services to collect debt as well. I don't owe any debt to any company and/or Collection agency and false information was reported to Experian. Written notification was sent to XXXX XXXX XXXX XXXX to validate debt and they didn't validate it, resulting on returning debt to first collector. Collector reported false information to my Experian credit history and legal actions will be taken. I have prove of what I said above about XXXX  NOT accepting my last payment and threatened emails about selling my debt, hurting my credit and penalties they shouldn't added to original debt. Please note, debt is being disputed and for more information I'm attaching needed documentation. XXXX XXXX XXXX haven't had any kind of communication with me, please respond or lawsuit will start right away.
Consumer complaint received 2018-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

as a result of the XXXX XXXX in XXXX, Ca. my insurance company issued a check to chase bank and XXXX XXXX. in order to get Chase Bank to endorse the check I first had to deposit the check into Chase Bank ... then I had to set up an account on line to view and submit the requested information to Chase Bank. Once all of the required information was received by the bank then and only then could you request an inspection to see if 50 percent of the work has been completed. The bank is supposed to respond back within 7 days of the inspection request that was submitted on XXXX. No one has contacted me to this date! That's problem two! Problem three is the fact that prior to receiving any insurance check I had more than 50 percent of the work completed! Now waiting to pay some of the workers ... It could take the inspector another two weeks to even come out after the 7 day wait! I would like to have my money now to pay for the work that has all ready been completed.. Its not chase bank money ... they didn't pay any monthly premiums ... this area has been devastated by the XXXX XXXX , a federal disaster area, and really don't need harassment by JP Morgan Chase ...
Consumer complaint received 2018-09-17
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have repeatly call and written XXXX telling them that I do not work for XXXX XXXX a nursing home. There is no W-2s, no Human Resources that will and can verifiy this lie. So I do not know how they keep saying verified. They keep constantly putting this information on my credit report.
Consumer complaint received 2018-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (MO)

I requested a summary in XX/XX/2018 I sent the request letter via registered mail They did receive my request because XXXX XXXX signed for the letter. 
XXXX XXXX Failed to send me a summary within the 30 day legal time frame I then contacted XXXX requesting debt to be deleted from my credit file in XXXX XXXX.I Faxed all documents but instead XXXX opened a dispute and XXXX XXXX declined to delete and sent me a summary XX/XX/2018 instead .7 months later and only due to I contaced XXXX for a delete regarding the account with XXXX XXXX Under the consumer federal protection act XXXX XXXX should have deleted the debt from my credit file and they refuse to do so