davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-11
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (CA)

On XX/XX/XXXX, I purchased two {$500.00} visa gift card from XXXX, and give them to my husband. On XX/XX/XXXX, when he tried to use one of the card, he found that was no enough banlance, and when he checked it online, found there is only {$4.00} in the card. We called the gift card customer service, they asked us to submit a dispute form. We did that, after a few days, they sent us a replaced card, there is still only {$4.00} in the card. They also closed the old gift card at once, when I tried to check the status of the old card, the page shows error. 
On XX/XX/XXXX, still no update. We called the gift card customer service again, they said they closed our case because they sent us a mail and need more document but we didnt give, but we never received such a mail! They need us to show the original purchase proof, but after 2 months, I cant find the receipt. So we submitted the new dispute form and the bank statement and the transaction details to them, they agreed to take a look and asked we called them later to check. Yesterday, we called them again, they refused to reopen the case and said they will not give us the refund for the {$490.00}. They asked me to contact the XXXX to get the receipt, and when I arrived the XXXX, they told me only the manager may help me to find the receipt, but the manager is not there. They asked me to left my information, and he/she will contact me later. No response. I paid {$500.00} ( {$500.00} for the card, XXXX for the card processing fee ) for the card but only get {$4.00}. I called them several times, they agreed to give me a solution but now they refuse to give me my money back.
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (AR)

Well I call many times, trying to speak to them about the account always get the operator and they only take payment no way to speak to anyone its setup like a fraud account always ask for your ss # but want let speak to anyone just take a payment tells you there hours of open but never can u speak to anyone just the automated system
Consumer complaint received 2019-01-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

My mortgage initiated with XXXX  XXXX XXXX XX/XX/XXXX, than transferred to Ocwen Loan Servicing. My last payment on the mortgage account with XXXX  XXXX XXXX was in XX/XX/XXXX. The mortgage loan was initially modified by XXXX  XXXX XXXX prior to being transferred to Ocwen Loan Servicing. I sent 3 mortgage payments to Ocwen Loan Servicing. After Ocwen Loan Servicing received the 3 payments they submitted fraudulent documents for me to sign to double my monthly payments, which caused my home to go into foreclosure. I was forced to moved out of my home after all of the harassing phone calls from Ms. XXXX XXXX. Ocwen Loan Servicing are monsters.
Consumer complaint received 2019-01-13
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. (CA)

Two credit accounts were opened WITHOUT my consent or knowledge. One was XXXX  ( XXXX  ) and the other was XXXX XXXX. I found out about these fraudulenty opened accounts while checking my credit report on XXXX XXXX. I would like to investigate further into these two unauthorized opened accounts and want to know how this will not continue to happen. Also, I would like to know when the negative impact on my credit report will get reversed. 
Thank you.
Consumer complaint received 2019-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (FL)

Received a prescreened offer for a credit card from Citi Simplicity Mastercard, I pay all of my cards sometimes most of the time over my required payment due. I was sent an application in which I called several numbers XXXX, then I was given another number, then XXXX, basically took about 7 minutes before I finally got through to someone. One time was asked to call back because their system was down. To be told that I would receive an answer in the mail. The date I called on was Friday XX/XX/19 at XXXX. I finished talking with someone by XXXX or around that time. The invitation number was XXXX.
Consumer complaint received 2019-01-13
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. (MI)

Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau can not verify the BK, ( because the court doesn't share information with credit companies ). This credit bureau has not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit file.
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA (NH)

I applied for the XXXX XXXX XXXX on XX/XX/18 and was informed via email on XX/XX/18 that a decision had been reached on my application. I logged into the website and it listed my application as declined, stating that I would receive a letter in the mail with further details in 7-10 business days. When said letter did not show up as of XX/XX/18, I called customer service on XXXX and was asked to call back on XX/XX/18 if I did not receive the letter by then. I called back on the XXXX, explaining that the letter still hadn't arrived and was informed that a new letter would be sent out. I have not received either letter as of XX/XX/18.
Consumer complaint received 2018-09-25
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

Opened on XX/XX/XXXX, a saving account online. Online application went to pending contingent on receipt of account being funded. Check mailed to fund account XX/XX/XXXX. To date have not received any correspondence or notification of account opening. Attempted on XX/XX/XXXX, to initiate chat to determine account status, including providing all requested details, and chat agent ended chat prematurely. Also attempted to call to determine status of account and was placed on a continuous hold.
Consumer complaint received 2019-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

I had funds taken out of my 2 different bank accounts from 2 different banks without any notice. 

I contacted XXXX XXXX as the Sheriffs department told me it had to do with account # XXXX which is from XXXX XXXX. 

I contacted them at XXXX ... I was told they had me listed for a Visa Unsecured Credit Card and they have sold the account to CACH Collection and that CACH Collection has since sold the account to Resurgent. 

XXXX, XXXX Case # XXXX I have no phone number for them. I have attached a notice, the only notice I have received regarding my bank account being Levied I did not have an account with XXXX XXXX so I don't know what year this was, as they didn't have a date to give me. They could not give me any information regarding this account. 

I also called my bank and they told me that the account was Levied and the funds had to be released to the XXXX Sheriffs Department after 10 days of Levy. The Sheriffs office gave me a file number # XXXX I pulled a copy of my credit reports from XXXX and XXXX  to see if an account was listed from any of these companies. Not one of these companies was listed on my reports. 

I still do not know why my account is being Levied or by who. Can you help me fix this?
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2019-01-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX there was fraud committed with my credit card. I had contacted them a filed the claim a few days later when I caught that my credit I had on there was used and much more. Unfortunately XX/XX/XXXX I was told my claim was denied with no reason as to why. I contacted the fraud department on the Saturday after and sat on hold for well over an hour. The first gentleman told me it was because I had been to one of the places before, mind you one time. Then the manager told me it was because it was a chip. I explained I had asked for a replacement card months prior and the security numbers on the back would show that. I then asked what I can do to fight this because its impossible for me to be in two places at once. I asked if I needed to send my time cards over which she said yes and gave me the incorrect fax number. After calling again on XX/XX/XXXX and being on hold for 45 minutes I was able to talk to a lady and she gave me the correct fax. I then faxed over my timesheets for the dates in question the same day, XX/XX/XXXX. I have tried to call fraud dept however it was always over an hour wait time and I work for XXXX XXXX in California so XXXX to XXXX mon thru Friday is XXXX to XXXX. I work XXXX to XXXX Pacific time. Hour long wait times and no contact is unfair and criminal. To make matters better I haven't received any documentation from them in regards to filing the claim again and today I was able to get them to escalate it because I messaged them on XXXX. I was then told I would hear back in 3 days with whatever they may need from me or whether or not my claim was denied again. 
I am being forced to pay the bill otherwise it will be reported as missed payments and affect my credit. I do not have XXXX nor do I have the money for the interest they charged me. 
When asked again for the full investigation and why no one told me to file police report they didnt have an answer.
Consumer complaint received 2019-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX never heard of them but their on credit reports for hard inquiry on XX/XX/2017. i was told its a hard inquiry and will fall off in two years like why should i care. it should be removed and companys should be more careful its hackers everywhere
Consumer complaint received 2019-01-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (PA)

The laws of the state of Pennsylvania clearly states that when a repossession takes place, that there must be at least two auctions completed before there is an upset price pertaining to collection purposes. However, in fiscal year 2017, being that my family runs a XXXX  business, we suddenly faced several financial issues that caused this repossession. Accordingly, I am requesting a reasonable settlement to this collection. The vehicle loan was for a high interest rate, and the payment was very high. I would appreciate an offer in compromise either through my email or direct mail, and Ill do my best to make that payment to benefit all parties.
Consumer complaint received 2019-01-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

-After XX/XX/2018 XXXX XXXX did the loan modification for my real property XXXX XXXX XXXX XXXX XXXX , CA XXXX ( see XXXX   documents attached ) My account with XXXX  showing in current Credit report : -- Acc type : Revolving -- Terms : Revolving.

This is Not a revolving account, I can't take money out to use.

This report Hurt my credit rating and Fico core extremely
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2018, XXXX XXXX credit card stated they will REMOVE ALL LATE PAYMENTS from XXXX - XX/XX/2018. However, I checked my credit report from XXXX, Transunion and XXXX AGAIN to find that the late payment remarks still exist. I have also submitted two previous disputes with each CB as well as CFPB but nothing has been deleted and it's really stressing me out. When i contacted XXXX 's on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX 's trade-in would be redacted and deleted within 30 days, which would have been by XX/XX/2018. However, as of XX/XX/2018, the negative balance had NOT been deleted, which prompted me to send another complaint.
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I ask you for help with the agency XXXX, I sent a letter more than 3 months ago to request have remove more than XXXX credit inquiries that I have not recognized, and which I have not done or made. I don't know from where I have so many credit requests. 

I have Attached the report, as well the same was sent to XXXX  with a signed letter, with copies of my documents. And where did ask please to you remove all details of credit requests or credit inquiries. Which they have not done so far.
Consumer complaint received 2019-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (FL)

My home mortgage was refinanced with XXXX XXXX XXXX back on XX/XX/2018 and previous mortgage creditor OCWEN LOAN SERVICING, LLC is still showing a balance of {$81000.00} on my credit report currently. Showing as if I have 2 mortgages open and I do not.
Consumer complaint received 2019-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

Received letter from Citigroup stating that they sent a check on overcharge on interest charged but that it had not been cashed So I contacted them and they said they would send a new check in four or five days A week later no check I contacted them a second time and they gave me a case number XXXX and they would contact me in 24 hours Nothing happend Four days later I contacted them and they were not responsive
Consumer complaint received 2019-01-11
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. (FL)

XXXX XXXX XXXX is reporting the inaccurate day of last payment on my credit report. I dispute last day of payment on my credit report. I feel like XXXX  XXXX XXXX is trying to take advantage of me because I am a XXXX male. I am requesting this account be deleted off my credit report.
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (OH)

After a house fire that i had in XX/XX/XXXX, I had home owners insurance with Owen which I paid and they did not found this out when I had a fire. They reinstated my policy then charged me to send my money to me. They kept XXXX dollars. While I was fighting for my insurance in XX/XX/XXXX XXXX had a freak storm and with out my sup pump to empty my flooding house it was finished and was commend. XX/XX/XXXX Ocwen filed for foreclosure proceedings. I had in fact paid of my loan. In XX/XX/XXXX in the court of XXXX my loan was in fact paid in full and on XX/XX/XXXX it was drooped and they had to pay court cost and everything else cause they lied. So instead of reporting on my credit report as paid in full they said it was a charge off.I want this corrected. It is a shame how the treat veterans and everyone else.
Consumer complaint received 2019-01-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (MA)

XXXX XXXX XXXX makes fraudulent claims to keep the interest of mortgagees. They make commitments they can't commit to and promises they can't keep. For the past three weeks I have been working with XXXX XXXX for REFI and Cash-Out only to be told they made assumptions, and obviously were not working with facts or someone qualified. Their lack of follow through has potentially cost me thousands. This practice of deception should not be allowed.
Consumer complaint received 2019-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (CT)

XXXX Sent my account into collections for the amount of {$270.00}. I never received a bill or an invoice from XXXX stating what I owed them for. I checked my credit a few months back and saw a collection from a company called " CLLCN BUREAU OF THE HU ''. 
I disputed this information a few months back and never received any response from the collection agency. They didn't return any of my letters but insisted on keeping the account on my credit report. The company has not marked the account as disputed in the 30 day time frame from the original receipt despite my multiple attempts on having them validate the debt. 

I am attaching all three letters that was forwarded to the collection bureau of the hudson as well as the proof that they received all three letters
Consumer complaint received 2019-01-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (AR)

Midland Funding violated the FDCPA a several ways.. 
1 ) On XX/XX/2018, XX/XX/2018, XX/XX/2018 I contacted Midland about me disputing this account. Each time afterwards I received back to back calls from them. 30 minutes apart for 5 hrs. 
2 ) On XX/XX/2018 Mr XXXX from Midland yelled at me, threatened to sue me, told me I was a liar. 
3 ) On XX/XX/2018 Midland called and when my boyfriend answered they gave out personal information on the collection account. 
4 ) Midland will not provide verification of debt after it has been requested 5 times. But Midlands XXXX (? Think given flake name ) verified they had received the request from me.
Consumer complaint received 2019-01-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

Bank involved : HSBC Bank USA, N.A XXXX XXXX XXXX XXXX, NY XXXX  I tried to open HSBC Advanced checking account and was declined stating that they are unable to verify the identity of me.

Then I got report from all 3 credit reporting agency and found that my address, SS #, name, etc.. are perfectly matching and hence I am identifiable. Per the credit agency report, HSBC made enquiry to XXXX and got info which is perfectly identifying me. My credit score is XXXX. On same day I am able to open accounts in other bank. I also uploaded address proof to HSBC bank but still they denied my application. In fact they were able to verify my other bank account also by exchanging few cents for ACH verification before denying my application.

When called HSBC all they can say is " HSBC don't want to do business with me at this time ''.
Consumer complaint received 2019-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I was looking at my equaifax score noticed 3 hard inquiry reports that i never authorized or signed off on. 

The following are XXXX XXXX XX/XX/2017 XXXX  XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 I would just like these removed from file as this was fraud.
Consumer complaint received 2019-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Performant Financial Corporation (MA)

OK PERFORMANT FINANCIAL C XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX .they damaged my credit report dropping my credit score 35 points. I when from a XXXX to a XXXX. score. I don't know or have I every did business with this company. this is wrong. they have violated the fair debt credit protections act. they did not contact me by phone or by writing. they just did and unauthorized inquiry that has drop my scores 35 points.. I did not give them permission to run my credit .. they need my authorization to look or run my credit ... im going to report the to the attorney general office in CA. I do not recognize this company at all and why or how they ran and unauthorized inquiry on my credit report and damaged my credit report 35 points. According to the fair debt credit collection act. you must stop all attempts to collect on debt and inquiries until it matter is resolved .... you have the wrong person it you wont validate the inquiry you must delete it because I am disputing it in writing ...
Consumer complaint received 2019-01-12
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 (AL)

I noticed my credit report is showing a account from XXXX that does not belong to me I never did business with XXXX  never opened no account with them or anything. My identity was stolen and access to all of my information was compromised as well as a individual changing my security questions to gain access to my information. We found out that someone was stealing mail out of my mailing address mailbox. The address has mail coming from XXXX address to me but I never opened an account with XXXX  so I never opened any of that mail.