davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

My savings account was blocked without any explanation and after calling in and holding for over 2 hours, I was told to call back to speak with fraud department. I called back the next day again hold time was 2 hours and was told to send in the necessary documentations which I have and I still can not access my account. They are holding my big balance hostage and in checking social media there are a lot of other victims like me that hsbc is placing blocks on their accounts. Please help!!
Consumer complaint received 2018-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midstate Collection Solutions, Inc. (IL)

I disputed this fraudulent debt with Midstate Collection Solutions Inc. numerous times.

Please note that I have downloaded a couple of the Dispute Letters as well as the latest response from Midstate Collection Solutions Inc . I simply ask that they verify and validate the debt by providing me a copy of a contract that has my signature as require by law, however they refuse to do so and only sent a billing statement of which I also downloaded. The billing statement was sent from their Attorney.

I disputed this fraudulent debt with XXXX and they informed me that Midstate Collection Solutions Inc. refused to delete it. I have also included a Fair Debt Collection Practices Act Fine Schedule which clearly states the violations of which Midstate Collection Solutions is liable. I also have researched their Company and have found that there are many complaints about their NEGATIVE PRACTICES. I will mail a INTENT TO SUE LETTER once I complete this complaint. Surely Midstate Collection Solutions believe they are above the law. I also investigated a found that this fraudulent debt was created at XXXX  XXXX XXXX  XXXX XXXX with XXXX XXXX the date of XX/XX/XXXX. This is XX/XX/XXXX. Surely this Debt has been RE-AGED!!!
Consumer complaint received 2018-12-20
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. (CO)

I had a credit card with first XXXX XXXX  where I had remained steady on payment s up to a few months ago I had noticed a credit card from XXXX XXXX that had over a XXXX charges. I had never opened the card and we had tried calling to dispute but they would hang up. I ended up paying in full and on my credit reports both accounts were listed as account closed by them. Now they are listing these accounts as open and with balances. How can they add money to cards closed. I never once seen a bill from them and I tore up the credit card. I can sow you bank statements and my old credit report which shows accounts closed and written off. Please I need help since they are ruing my life
Consumer complaint received 2018-12-20
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. (NV)

I am filing this complaint because Experian did not help me remove the account after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the account as my responsibility but they didn't..CFPB step up and remove student loan XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-20
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. (NV)

This issue is an existing problem which Equifax failed to resolve.. Their investigation did not prove the bankruptcy is mine. They said they have verified it but did not give details on how their investigation went.. The courts don't report public records to credit bureaus..CFPB step up and remove this error Bankruptcy : Discharged CH-XXXX XXXX
Consumer complaint received 2018-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan chase has arbitrarily and unlawfully decided to raise my fixed-rate mortgage from 1080.42 to 1387.12 - a 30 % increase. Further, they've shorted my tax payments to the county per the escrow dispersal - the tax coupon we received ( and JP Morgan receives as servicer of the escrow ) indicated a biannual installment of XXXX. The escrow disbursement information available from them shows they only paid XXXX. Further, they're claiming an escrow shortage, despite only servicing the loan three months, and claiming that the escrow payment needs to increase by over $ XXXX/month - an absurd increase as neither tax nor insurance has increased to any significant degree. 

I believe these " accidents '' are intentional retaliation for my original protest of them acquiring my mortgage to begin with in complaint XXXX-XXXX. Such retaliation is a violation of the Equal Credit Opportunity act as indicated in this clause : 'Moreover, the statute makes it unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under the Consumer Credit Protection Act '' ' JP Morgan Chase has refused to answer any questions or calls regarding these arbitrary increases, only providing an escrow assessment statement and automatically increasing the amount of automatic debit, without my express, implied, or written authorization. I believe this also constitutes as a fraudulent banking transaction. This behavior is not unusual for JP Morgan Chase - https : XXXX. 

All attempts to actually discuss these charges, the escrow issues, or anything other submitting a payment to JP Morgan have resulted in the call being disconnected with the representative indicating that I needed to be transferred to another department, which promptly disconnects the call. At this point, this is either negligence, or malicious retaliation for exercising my rights to file complaints about their illegitimate behavior.
Consumer complaint received 2018-11-18
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. (TX)

Hello, I sent EQUIFAX certified letters on XX/XX/2018, XX/XX/2018 and they report back verified and there is no way they could because the collection agency doesn't even respond back to me I have tried to resolve this issue with CREDIT BUREAU SERVICES & EQUIFAX in regards to an apartment that was obtained due to identity theft. I have disputed this account directly with this company. I have sent them my identity theft affidavit and police report but they continue to report and the last two dispute letters I sent them, they have failed to respond. The first letter certified letter was sent to them in XX/XX/2018 with a tracking number of ( XXXX ) and after they didn't respond so I sent them a follow up letter in XX/XX/2018 with the tracking number of ( XXXX ). They sent me a screen shot of a contract that had a signature but I never signed that. I has been well over 30 days and i just want monetary damages and the account to be deleted immediately. Being that the disputed was not responded to well over 30 days I would like this account to be deleted from all 3 CRA 's.
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CA)

In XX/XX/2018 I received an application form by mail from XXXX XXXX XXXX XXXX XXXX with the promotion of free membership fee for the first year, and XXXX bonus points if I spent at least {$2500.00} in the first 3 months. I decided to open a credit card. However on XX/XX/2018 I was charged {$95.00} for membership fee. I called customer service representatives on XX/XX/XXXX, and was transferred to a manager name XXXX  ( ID # XXXX ). I was told that my account will be credited {$95.00} in 2 to 3 billing cycle. In XX/XX/XXXX the charge was credited but my account was closed and all my accumulative points were deleted. I called and talked to a manager name XXXX ( ID # XXXX ), she was very rude and unfriendly. She told me that the bank had the right to close customer accounts any time without notices.
Consumer complaint received 2018-12-20
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. (FL)

I have been the victim of identity theft and have been in the process of removing all fraudulent items. Here is a list of the remaining fraudulent inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX CARD XX/XX/XXXX XXXX  XXXX  XXXX   XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX CARD XX/XX/XXXX XXXX XXXX CARD XX/XX/XXXX Equifax XXXX CARD XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-12-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (KY)

I recently gone through a financial hardship and was unable to make the payment on time, and it affect my credit score, now that I am finally back on my feet, will you help me remove the payment that I have missed, so that my credit score can be back on track.
Consumer complaint received 2018-12-20
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: DISCOVER BANK (CA)

I locked myself out of my apt called a locksmith who quoted $ 45-49. I am legally XXXX and count on honesty from workers. My neighbors saw the locksmith do the lockout and pop the lock. I gave him my discover credit card. Later in the day a person called me to ask what he charged. I thought this was strange. I said I assumed he charged what I was quoted over the phone. I asked a neighbor what the bill said it said {$170.00} for an installation service not marked lockout. I disputed this with Discover who ruled in favor of the locksmith. No matter of my evidence receipt or even cameras on the premises that showed exactly what was done. This was unethical and dishonest on Discovers part when they had proof in front of them of a definite and deliberate scam.
Consumer complaint received 2018-12-20
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. (TX)

This issue is an existing problem which Experian wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2018-12-20
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. (TX)

I am filing this complaint because Equifax did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX EQUI XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ACCT ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX
Consumer complaint received 2018-12-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

I have sent several letters to Experian regarding several items on my credit report that are not mine and quite possibly a result of identity theft. Each time Experian states they have investigated the issue but have never provided any information related to how the information has been verified. 

Moreover, per the attachment to this complaint Experian has stated that since I have " previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute ''. I believe this is a direct violation of the regulations related to the reinvestigation of a dispute, specifically, [ 15 U.S.C. 1681i ], Section 611 ( a ) ( 1 ) ( A ) - In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

By letter dated XX/XX/2018 ( Attached ) and a three subsequent letters dated XX/XX/2018 ( also attached, USPS tracking, XXXX, XXXX, XXXX ) I have asked for information pertaining to the verification of these items.I have yet to receive any thing other than a generic reply letter explaining the debt has been verified. I am once again asking that Experian reinvestigate the dispute and provide the specific information pertaining to the verification and how they verified the information. 

Finally, I was able to have the information updated on the other two major credit bureaus very recently and I am unsure why Experian continues to send " form '' letters back to me without a reasonable explanation or specific information related to the " investigation '' of my dispute.
Consumer complaint received 2018-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

ALL PLEASE READ!!!! I deeply feel that I am a victim of discrimination by XXXX XXXX   due to being an XXXX XXXX. My complaint against XXXX XXXX is because I established several lines of credit and at my highest credit score they were requesting that I close accounts or reduced credit limits with no valid reason, and therefore I refused and did not. I become a target from that point to almost four years ago to this current date. I have not missed or been late on any payments. Regardless, I am currently experiencing several of my accounts being closed or my credit limit being extremely reduced continuously that has taken a tremendous negative affect on my credit score!!

Again, I have been unfairly targeted over the last 3-4 years by XXXX XXXX and I am requesting help to stop this unfair and unlawful treatment that I feel is discrimination. I  would also like to understand who I can contact to file a lawsuit as well.
Consumer complaint received 2018-11-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX {$95.00}, XXXX XXXX XXXX {$380.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claims ... accounts were settled ... I want it removed. 
Please validate this information with XXXX XXXX and provide me with copies of 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. 
You can not collect debts twice.
Consumer complaint received 2018-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

XXXX XXXX  incorrectly calculated my impound account required contributions then sold my mortgage to ShellPoint. During the transfer, ShellPoint entered the wrong SSN in their records for my account. ShellPoint also sent the notice and customer welcome package to the wrong address. 
I asked XXXX XXXX  where to send payments, they started they sold my mortgage to ShellPoint. But XXXX didn't have my new account number nor the information to send payments. 
I was able to find a website with Shell Point 's contact information. When I called, the automated attendant required my loan number and social to proceed. After several attempts, I was able to talk to a person, who refused to help, since my SSN didn't match their records. After several more attempts I was able to speak with a supervisior who gave me my loan number, payment, and payment address after I verified my identity via alternative means. They were able to fix my mailing address on my load record, wouldn't fix my SSN. They gave me a fax number to send my identity documents, which turned out to not be a valid number. 
I called back, they have another number, I have faxed Shell Point several times over a the past four months with no response. 
In addition, I am still making nearly double the payment I should be, since the impound issue hasn't resolved. 
My payments should be closer to {$1800.00} per month, but I've been billed approximately {$3500.00} a month by ShellPoint.

I feel ShellPoint is trying to steal my home by making nearly impossible to make payments by inflating my payments and making difficult to contact them and resolve their poor record keeping.
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

On XX/XX/18 XXXX/XXXX  XXXX reported late payments onto my credit file in era. On XX/XX/18 XXXX/XXXX  XXXX send in a request to Equifax reporting agency to remove the late payments from my credit file. " Please see the inclosed complaint response from your organization, which has responded to and closed '' After XXXX/XXXX XXXX sent in an updated request to the credit reporting agency " Equifax '' to delete any and all late payments from my credit file by XXXX/XXXX XXXX, They did just the opposite and kept it on there. Equifax intentionally refused to delete inaccurate information from my credit file. By law, it is the responsibility to report accurate information on the credit file by Equifax credit reporting agency. My request is that Equifax do their job properly, and report accurate information to my credit file.
Consumer complaint received 2018-12-20
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: Experian Information Solutions Inc. (WI)

I sent all three credit bureaus a certified letter, requesting an investigation/deletion of this hard inquiry from XXXX XXXX XX/XX/18. It has now been well over 90 days and still no response.This hard inquiry have caused great hardship, stress, and has caused my credit score to decrease drastically. The three bureaus have violated the FCRA, laws that protect all consumers. They are suppose to report accurate information and to respond to consumers within a timely manner.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX TransUnion. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$160.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) Account number : XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$1400.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX Balance : {$910.00XXXX XXXX XXXX XXXXriginal Creditor : AK XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX : {$910.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$490.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account numberXXXX Balance XXXX {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$590.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  Account number : XXXX XXXX : {$650.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Account numberXXXX
Consumer complaint received 2018-12-20
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. (WI)

I sent all three credit bureaus a certified letter, requesting an investigation in to this hard inquiry from XXXX XXXX on XX/XX/18. It has been well over 90 days and they have never responded back. This has cause me a great hardship in my life as well as stress and has caused my credit score to drop drastically which has led to me being denied credit and home loans. The three bureaus have violated the FCRA, laws that are in place to protect the consumers. They're suppose to report accurate information and they have a responsibility to respond to all consumers within a timely manner.