davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

In XXXX of 2020 I received an advertisement in the mail from HSBC bank. The offer in the advertisement was that If I open the HSBC account online using the code provided in the mailer I would receive a {$700.00} bonus for opening the account. The bonus would come as a 2 % each back on my direct deposits for 12 months, Up to {$60.00} per month. I set up the account as per instructions and meet all the minimum requirements for this offer : Set-up required Qualifying direct deposits from a third party to my HSBC Premier checking account. In my case, this was direct deposits of my paycheck from my employer exceeding {$5000.00} per month. In the following months I never received the cash back. I have contacted the bank numerous time both via the telephone as well as in person in the branch. I have never been told that I dont qualify for the offer nor explained why it was never fulfilled. I wen to the branch on XXXX XXXX in XX/XX/XXXX XXXX as recently as Middle of XXXX of 2020 and was promised a follow up XXXX inquiry, but never did. The bank failed to fulfill their obligation to me or even provide and explanation as to why they wouldnt. Contacting the bank has produced no result whatsoever. Im left with very few options except to file this complaint and other complaint with government organizations that oversee the bank. Thank you for your assistance with this matter.
Consumer complaint received 2020-11-25
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original  Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


XXXX XXXX {$8900.00} XXXX
Consumer complaint received 2020-11-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (PA)

On XX/XX/2019 coinbase attempted to steal $ XXXX+ from my bank account due to a bizarre app glitch. However only {$2300.00} were available, which was stolen. I have been trying to get my stolen value for over a year now. No response. This is a criminal  organization. Please help me. I am contacting news outlets. 

Do not do business with coinbase. Com. This is an illegal front for illegal activity.
Consumer complaint received 2020-11-25
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)

These are not my accounts listed. I don't have any medical debt, nor did I go to any doctor. Additionally, these medical companies supplying data to the the bureaus is in complete violation of the fair credit reporting act. I am not a credit repair company nor a mortgage company, but looking at the laws, I know this is a violation. Please remove them immediately. This also applies to the inquiries that are listed in this report as I did not authorize these companies to run my credit.
Consumer complaint received 2020-11-25
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. (NY)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, Experian and XXXX. The dispute numbers were XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX Experian XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, Experian or XXXX  to resolve anything. There was also data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. The bureaus must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2020-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery A Account Type : Collection Account : # XXXX XXXX  Date Opened : XX/XX/2017 I have no known knowledge of this account. I have sent letters to this company so that we can resolve this dispute. I have sent several letters to this company requesting for Original Signed Contracts as proof that this account belongs to me. I have not received anything to my email associated with the requested proof. 

I am seeking further investigation for this matter. This company has failed to comply with supporting documents that proves this account via email : XXXX XXXX
Consumer complaint received 2020-11-25
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: FIFTH THIRD FINANCIAL CORPORATION (TX)

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, FIFTH THIRD BANK add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per TransUnion.
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (MI)

Asked for increase, which was refused for reasons not explained properly. Card payments were never late. card company refused to pull credit ( it is excellent ), and credit department rep. said mother XXXX of XXXX XXXX. 

CFPB needs to investigate Discover, i believe they have blaklists or tainted cardholder lists. my request get teated unfairly, while my wife 's do not. she gets points automatically, i do not. She gets increases automatically, I do not. 
These are tough times, but no one needs to tell me about Covid 19 at Discover. Just issue the increase.
Consumer complaint received 2020-11-24
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. (IL)

I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX data breach and might have got to the hands of the wrong people.
Consumer complaint received 2020-11-24
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. (AZ)

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED WORD DOC ' MY ADDRESS HAS ERRORS THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE THERE IS A CHAPTER XXXX THAT IS NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

T

o : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX INSTALLMENT Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : EXPERIAN XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2020-11-27
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. (PA)

on XXXX/XXXX/2020 I sent a letter to Experian, XXXX, and XXXX  to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XX/XX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XXXX/XXXX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Consumer complaint received 2020-11-25
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NV)

SYNCB /amazon has not responded to my disputes with the credit bureaus XXXX  XXXX  and XXXX  XXXX . I want to credit her to update the credit reports in the credit bureaus about the XXXX  balance and pro status that is president XXXX at the situation also discredit is have not responded to my request in the past and they still haven't requested me telling them not to chew action faster the status of the account is I want is updated to XXXX balance closed. they've extended their time frame of upgrading making the credit reports current period
Consumer complaint received 2020-11-25
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: TD BANK US HOLDING COMPANY (MN)

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, TD AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2020-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (MN)

Diversified Adjustments continues to try and collect on a debt they dont have a contract for. They are reporting unverifiable and inaccurate information violating the FCRA. Diversified Adjustments keeps sending me old bills and NOTHING with my signature on an original contract. Two out of 3 of the credit bureaus have removed them already from my credit due to FCRA violations.
Consumer complaint received 2020-11-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: USCB, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC (FL)

Alert Type : Potentially Negative - New Collection Found On : XX/XX/2020 A collection change has appeared on your credit report. Please review the details of the alert for information that may indicate identity theft. 
Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

SourceXXXX Alert DateXXXX Balance Amount {$910.00} Is Collection YES Open Date XX/XX/2020 Payment Status UNPAID ( D ) Status Date XX/XX/2020 Name HARVARD COLLECTIONS Street Address XXXX XXXX XXXX CityXXXX StateIL ZipXXXX  Alert Type : New Account - New Account Found On : XX/XX/2020 A new account has appeared on your credit report. 
Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

SourceXXXX Alert Date XX/XX/2020 Account Balance {$910.00} Payment Status XXXX Name HARVARD COLLECTION SERV Business Type YC Street Address XXXX XXXX XXXX CityXXXX StateIL ZipXXXX
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX Birthdate XXXX Social Security XXXX. 
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( 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 2020-11-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (NJ)

I purchased a new car utilizing GM Financial Funding in XX/XX/XXXX. From the start of my loan ( specifically the from the first monthly P & I payment ) I made timely payments ( including additional funds above my agreed payment amount the life of my loan. On XX/XX/XXXX the new vehicle I purchased in XXXX was involved in a total loss after my car was struck by another car. Shortly following the accident I reached out to GM Financial and indicated that I had been involved an in accident and I wanted to make them aware. As one would with an accident, I filed a loss claim with my insurance company who settled my total loss claim in XX/XX/XXXX, at which time funds were sent to GM Financial directly from the carrier in the amount of {$23000.00}. This was followed by a claim filed with my gap insurance company, who issued a payment of {$5700.00} issued directly to GM Financial. Lastly, I cancelled a dealer service contract translating into another check in the amount of XXXX. This check too was sent directly to GM Financial. During a discussion with two separate regarding overage payments made during my loan period, it was advised that I could obtain a payout of my overage. Please note since my first principal and interest payment in XX/XX/XXXX I paid over and above my agreed upon note payment amount, causing a surplus. The GM Financial associates I spoke with on two separate occasions In early XX/XX/XXXX quoted me two different amounts in which would be released. The second associate indicated the first associate I spoke with was releasing too little. I made it clear that I wanted to endure all incoming funds ( listed above ) would account for my full loan amount. In XXXX I received an overage payment which I believe led to me having an owed balance which GM Financial applied interest to - now requiring me to pay $ XXXX now - and which has been reported causing adverse action to my credit report. This all after I not only paid on time but over and above the amount owed monthly. I had a great experience with the purchase of my vehicle and would have suggested GM Financial to others. However this attitude of unaccountability is off putting. This is how you treat customers who have gone above and beyond the agreement. Additionally the folks I have spoken to in their customer care or loss/charge off area - continue to not listen or help. They rather keep telling me that $ XXXX is owed. Really {$200.00} is worth losing a customer. The last associate told me they do not have a complaint department, after being told that I could submit a complaint on their website. I was told on XX/XX/XXXX that all they do is log it but there is no one I could speak to or a complaint department. Rather I needed to talk to them because I owed money. XXXX down the tube to a company that is hounding me for {$200.00} that they released {$90.00} in error and charging me $ XXXX in interest.