davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-17
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: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

HSBC advertised its cash rewards card as follows : charge {$500.00} within 3 months and receive {$150.00} in cash. I spent {$500.00} within 3 months. I have repeatedly tried to redeem the {$150.00} in cash but HSBC has made it so difficult I can not do so! I have complained to HSBC in vain! I wrote its president twice. I called but no one answered or called me back. 
THIS IS NOT A NEW COMPLAINT!
Consumer complaint received 2018-03-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weinberg Mediation Group LLC (DE)

On XX/XX/2018 at XXXX XXXX on my work phone at XXXX XXXX XXXX XXXX a missed call was received I called back and a person stated they worked at Weinberg Mediation Group. I explained that this a place of business and explained do not contact me again at my employer. The person proceeded to call back at XXXX XXXX and ask if I was XXXX XXXX I replied this is she. Then the person began to give me my personal information SSN, address ect. and then went into that they are calling for XXXX XXXX XXXX on behalf of XXXX XXXX XXXX and that they are going to file with my employer to garnish wages. There are no court documents in the state of Delaware to show proof of this. The caller was being harassing and threatening me for a Credit card debt to garnish wages. they call from several numbers in the last 6 months they call serveral times per day that I do not answer as the automated statement states that we are trying to contact you and if me or legal representation they are forwarding my information to local authorities to file in the court. The caller also left threatening calls on my personal mobile phone to submit my information to the local court house. This is becoming very stressful as the practices by the Weinberg Mediation Group are unlawful and I have yet to receive any contact by mail. ( XXXX ) XXXX Weinberg Mediation Group 1 year in business XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Weinburge Mediation Group is what is wrong with America, there is nothing wrong with collecting a debt that is owed but the practices of this company is abhorrent and disgusting. 

XXXX XXXX
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Account Services, Inc. (NJ)

The account with XXXX XXXX College amount is incorrect. The debt is being settled with the school but i have account credit services reporting on my credit report every month. This is effecting my credit and i was told by credit services reporting that they will accept a certain amount but im currentliy taking care of the bill with the school.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

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
Consumer complaint received 2018-01-24
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. (GA)

i have reached out to XXXX on several attempts in the last 6 months to rectify my credit. I have sent certified letters that reflect letters have been received. I have had no success with speaking with or in writing.
Consumer complaint received 2023-05-18
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. (NC)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response. Deleted these accounts caused by fraud. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$26000.00}
Consumer complaint received 2018-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I am currently three months in default on my loan. I am able to make a payment around 1700 a month continuously until my income increase. I don't want to go into foreclosure. My lender has not reached out to me to do a face to face. I need your help as I don't want to wait until it's too late. Please audit my mortgage and make sure that their are not any improper charges added or calculations not properly deducted.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

I paid a debt settlement to IQ Data International on the basis of a pay-to-delete. I have requested multiple times for a validation of debt and they refused until I paid the debt. After contacting the original creditor they stated that I have no debt obligation with them and any amount I paid the collection agency would result in the removal of the account from my report. IQ Data has yet to honor this on the basis of " recorded agreement ''. Although the account is " settled '' I would like for IQ Data to substantiate their right to provide derogatory and fraudulent information to my reports which should have been removed.
Consumer complaint received 2018-01-23
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. (MN)

XXXX I requested my account be closed after paying on time and requesting the final balance to pay and close the account from their service employee. I paid that amount and the agent said they would close the account. 

XX/XX/XXXX I was contacted by another XXXX employee saying I had an overdue balance of {$500.00}. I said tge account was to be closed and I had paid it in full. They said it had n't been closed and this was the account fee. I said that was their mistake and they should close it and not charge me since I had requested it be closed. They said they would close it out. 

On XX/XX/XXXX I was contacted yet again by another XXXX employee saying I owed late fees and over {$700.00} at this point. I had to go over the whole thing again and specifically told them they had better not report any late payments since this was all their mistake. She assured me she had taken care of it and that the account balance would be XXXX and the account finally closed. On XX/XX/XXXXmy account was finally closed as requested in XXXX, however they are still showing a 30 day and a 60 day late payment on my record which is damaging to me and my credit score. It 's incorrect as I never used them a payment much less was I late in it. This incorrect record must be corrected.
Consumer complaint received 2018-05-21
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. (NE)

I am writing to file a complaint against Equifax, what kind of investigations they did because my last letter of disputed that I sent to Equifax, they were received on XX/XX/2018. 
The same way Equifax defamation of character, because in the statement and fraud alerts they are publishing in my profile without my authorization, I never request any fraud alerts and I never request to put any statement on my credit profile. All this looks suspicious is the reason that I am writing to you ; how could I believe if they are doing the same with those accounts that they are posting that are repeat in my credit profile. Here is some credit report that I have received from Equifax are adding information, put fraud alerts manipulate the statements without the client asking for it. They are a violation of the right of us What they have is a game with my credit profile, I no longer tolerate what is happening I'm asking to Equifax to stop defamation on in my credit profile because this message that appears in my credit profile of any circumstance I never have asked to put any fraud alert or any statement even that phone number in the statement I do not recognize it, and I do not agree with the last letter I received, I recently saw my credit profile and I realized that, Equifax are violating my rights and reinserted accounts that have already been deleted and putting fraud alerts without my authorization anything even adding statement without I asking to put any statement. I never asked for any fraud alerts or any statement to add to my credit report. This is what XXXX  are posting in my credit profile. 
Bureau Message : THE FAIR CREDIT BILLING ACT, THE FAIR DEBT COLLECTION PRACTICES ACT, CFPB BULLETIN FAIR CREDIT REPORTING ACT I DEMAND TO SEE VERIFIABLE PROOF ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) YOU HAVE ON FILE OF THE ACCOUNT ABOVE LISTED UNDER THE FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERIFIABLE PROOF, YOU MUST REMOVE THE Bureau Message : FRAUD VICTIM. " EXTENDED ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX. 
I hereby request that all fraud alert information or any type of statement be removed immediately. I never request for any fraud alert or statement. 
I am requesting your assistance in putting an end to this matter.
Consumer complaint received 2017-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is a Chapter XXXX Bankruptcy being reported on my credit reports. I contacted the Federal Court that report is showing and spoke to a clerk who advised they do not send documentation of verification to third party companies or credit agencies. She advised there is no personal information to verify this belongs to me such social security number, drivers license, date of birth or birth certificate. I asked the XXXX, XXXX and Transunion to remove this inaccurate bankruptcy from my report and advised it had been verified. But I did not receive any documentation proving this Bankruptcy belongs to me. Per the XXXX County Federal Courts they do not and have not verified any information of a bankruptcy that belongs to me.
Consumer complaint received 2023-05-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TFS FINANCIAL CORPORATION (NJ)

I have an HELOC account with Third Federal with a balance of {$190000.00} as of XX/XX/2023. My monthly payments fluctuate and have been increasing because the interest rate is not fixed and has been increasing. The last payment due for XX/XX/2023 was {$1300.00}. 

I applied for a new {$190000.00} loan to replace the current loan with a XXXX XXXX on XX/XX/2023. The monthly payments for the first five years would be reduced to {$1200.00}, and there would be no closing fee because of my existing loan with Third Federal. 

On XX/XX/2023, I was told that my new loan application was declined because I dont make enough money to pay the new loan. I requested the loan officer and a manager from Third Federal to reconsider my application. I was told that if I were to lower my monthly payment, I could only do it by extending my current loan.

The reason that Third Federal gave for declining my new loan application does not make sense to me. If I can afford to pay {$1300.00} per month on my current income, I can afford to pay {$1200.00}, which is almost {$100.00} less, each month. I believe Third Federals rejection of my application was unjustified and discriminatory.
Consumer complaint received 2018-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2018 at approximately XXXX I received {$1500.00} from a friend of mine. I needed to make travel arrangements to get home. When I tried to transfer the money to my debit card, nothing happened. I assumed the problem was with my debit card. The next morning I attempted to send money to my son from the balance for a movie ticket, and I was informed that my account had been " frozen due to a recent transaction that raised a risk flag ''. After contacting customer service, I was told that the department handling frozen accounts only communicates through email, and they " have 24-48 hours to reach out. '' The following day I contacted customer service again and was told that they actually have 3 to 4 days to reach out. Later the same day, I received an email saying my account was unfrozen. It was not. Eventually I received an email telling me that they would look into the matter. I replied to the email asking what transaction raised a risk flag, as I had only used the app twice, both times only to receive money. I received an email telling me that unfortunately the company is closed on weekends and someone would reach out to me Monday through Friday. While ignoring my question, I was contacted through email and asked to send a copy of my identification. I sent it. A day later I was asked to send a copy of my bank statement. I sent it. I am currently waiting for ANY information, as my account is still frozen. They have refused to give me any reason as to why my account was frozen. I have received money once, and successfully transferred that money to the same debit card I have on file. What is the issue now? When will the money be released?
Consumer complaint received 2023-05-21
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 (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/1986 SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act CAPITAL ONE XXXX, has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX # XXXX
Consumer complaint received 2018-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This is from XXXX XXXX in regards to CapitalOne Auto Finance Loan Account # XXXX : 1 ) CapitalOne has been Billing the loyal paying consumer 16.55 % APR since XXXX with out any loan readjustments and this account is not in adherence to XXXX XXXX industry standards, interest rates, trends and paradigm shifts such as Block Chain Technologies 2 ) Although  the initial sales order shows 72 payments. But, Capital One online statements show and insist on 75 payments of {$500.00} misleading the consumer 3 ) The vehicle should have never been sold to the consumer because it does not complete the definition of a business transaction because it has lacked quality in manufacturing 4 ) The vehicle should have been tested by the financier for quality standards. because, The vehicle has had various recalls. specifically with the Engine of this XXXX XXXX XXXX model leading to quality problems and risk of engine failure, risk of accidents and major risk of loss to the consumer 5 ) CapitalOne tends to show all Predatory Lending Practices in this account scenario 6 ) The vehicle vehicle amount financed was XXXX and total amount paid to financier is XXXX. But, has lost significant value due to continued Manufacturing Defects and Lack of Field Failure rate and Quality Metrics from the manufacturer. 
7 ) This matter was notified to Capital One. But, had no outcomes and the consumer is being robbed again and again and again
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (PA)

I have disputed this debt with all the credit bureaus as well as multiple direct disputes to the collection agency via certified mail. They have never responded to my dispute and they have allegedly verified this debt as reporting 100 % accurate to the credit bureaus. I have disputed the balance multiple times with the bureaus and they verified it. I do not agree. I have asked them for the original contract to see if they are legally allowed to add the absorbent collection fees they have added. And they never responded to my dispute with in 30 days as required by law. In the past they have called and harassed my family members to try to get a hold of me. I am fed up with this company. This is my last step before i turn this over to my consumer protection attorney to file suit against them.
Consumer complaint received 2017-10-04
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. (IL)

Beginning XXXX XXXX, XXXX, Any public record data must include name, address as well as ssn # and d.o.b in order to appear on your credit file. The credit bureau has not updated the information and per the new law the Bankruptcies listed on my credit reports does not meet the standards. None of the required information shows listed and the Bankruptcies should be deleted from my report.
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

i contacted the company asking for verification as well as validation including my signature of a signed contract of this alleged debt. they sent back a bill which is no indication of evidence of my knowledge of this debt. i explained to them that i have been victimized by identity theft. they have yet to take action of any kind and its still reporting to my credit.
Consumer complaint received 2023-05-20
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. (GA)

To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This Is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You must follow proper procedures it these claims are in your system and to be used in my credit reports challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified Information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. Below is a summary of the data in which I am challenging : XXXX XXXX XXXX XXXX {$1400.00} and XXXX XXXX  XXXX {$1400.00} and XXXX XXXX
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX PREVIOUSLY INFORMED ME THAT THEY ALLOWED A DATA BREACH OF MY XXXX XXXX CARD # XXXX XXXX XXXX XXXX AND THAT THEY HAD CANCELED THE CARD. THEY CONTINUE TO THREATEN ME WITH BILLS FOR CHARGES NOT MADE BY ME. I NO LONGER HAVE THE CARD. THEY REFUSE BY PHONE TO DISCUSS THE MATTER. 

I WOULD LIKE THE CARD CANCELED AND FOR ME TO BE RELEAASED OF ANY LIABILITY ASSOCIATED WITH THE CARD. XXXX XXXX REFUSES TO DO THIS. 

I NO LONGER HAVE THE CARD