davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I wrote XXXX, Experian and XXXX in XX/XX/XXXX and XX/XX/XXXX about an account that has been on my credit report from XX/XX/XXXX for an amount of {$1700.00}, this account has an account status as closed and it is now 21 years since this account has been there and I was not aware of this account until recently when I tried to get my credit report and it was pointed out to me.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I was a victim of TransUnion inquiry issues a few months ago, I contacted TransUnion and try to resolve the issue over the phone stating that by Law, under the fair credit act, section 6-11..they had to remove that inquiry .The Inquiry in question is ( XXXX XXXX XXXX XXXX ) dated XX/XX/2017 ... 
They can not delete a inquiry, then add it back, with out notifying me of issues, they have to within 5 days, which they did not.
Consumer complaint received 2018-08-02
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: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I sent an investigation request to Equifax. They are supposed to respond with the results within 30 days, but they have not. I sent similar requests to XXXX  and XXXX XXXX, and they have already responded with the results weeks ago.
Consumer complaint received 2018-08-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Consumer Real Estate Finance Co. (FL)

I applied for a FHA mortgage back on XX/XX/2018. I was pre-approved for a {$300000.00} limit with XXXX % down. My wife and I found a home, made and offer, and it was accepted on XX/XX/2018. The closing for the property was accepted by both parties to be XX/XX/2018. The loan was then turned offer to the processing department where we turned over all our private documentations, IE : tax returns, ban accounts, identification, etc. The process was then turned over to underwriting after all required documents where accepted. This is where the loan process began to stall and take much longer that it should have. After turning over all our required documentation, the underwriters kept asking for numerous more documentation on taxes, income, employment verification, copies of checks, etc., whic in turn kept pushing back the approval process and not being able to make the XX/XX/XXXX closing. We signed a one week extension to the contract for the purpose of getting loan approval through underwriting. The underwriter continued to ask for documents that where already submitted multiple times and additional documents that where never asked for earlier in the process. This made us miss the extension of the contract. The seller decided to cancel the contract because we could not get to the closing table in an adequate time. To this date we still do not have a closing, we lost the house, and the seller refuses to work with us any longer.
Consumer complaint received 2018-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/XXXX I initiated a {$2300.00} transfer from my XXXX checking account to my HSBC checking account. On XX/XX/XXXX, unbeknownst to me, HSBC unilaterally closed all of my accounts. XXXX attempted a reversal of the {$2300.00} on XXXX, which HSBC rejected. The money was never sent to me by HSBC nor was it credited back to my XXXX account. It is now XXXX. They are telling me that they do not have my money - tough luck. XXXX tells me they have the evidence that the money was not sent back. HSBC is being very wishy-washy.
Consumer complaint received 2018-08-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NC)

Please provide the most recent version of the promissory note, and life of the loan accounting for XXXX # XXXX XXXX # XXXX and the application for credit. 

Thank you, XXXX XXXX XXXX XXXX XXXX. 
XXXX
Consumer complaint received 2018-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (SC)

I have been reading further into Equitable Acceptance and XXXX XXXX. I've heard they are a scam and I want to know how I can get out of paying them money each month for dealing with my loans. Any information would be helpful. Thank-You in advance.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MD)

I have a membership with Experian. I am not getting alerts for changes on my credit file which is what the membership is for. I called in XX/XX/XXXX, and never heard back. I have heard it is because the rep closed the trouble ticket instead of leaving it open to be worked on. I called back 2 days ago and was assured it would be escalated and I would hear back yesterday. I did not. I called today and talked to a supervisor who said the rep was wrong, it will not be in 24 hours and she has no idea when it will be worked on or corrected. Since the one from XX/XX/XXXX was closed, I have to get in line with everyone else as of XX/XX/XXXX. I have not received any reimbursements for paying all these months and not getting what I'm paying for. I also recently changed my plan and they put me on the wrong plan which caused me to have to call back, get charged and refunded multiple times.
Consumer complaint received 2018-08-02
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have called Capital One to dispute this charge and explained I was supposed to receive prescription glasses. I also explained that it took over four months to get any glasses and several emails to the company. What they sent where neither real XXXX glasses or prescription glasses. I have tried and tried to resolve with the company. When I originally called I was told this would be taken care of by Capital One. Then it was posted back to my closed account? I was told to send a letter to them which I did. The letter to capital one is attached and now they are stating that the charges will stay on a closed account? I will not pay for reading glasses i could have bought at XXXX. I will gladly send them back to the merchant if you can find them and get a return address.
Consumer complaint received 2018-08-02
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: EQUIFAX, INC. (GA)

On XX/XX/2018 I submitted a dispute to Equifax, XXXX  and XXXX in regards to some accounts that I gave no consent to. The dispute is stated that action is to be taken in 4 days yet we are nearing 90 days and to no avail.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion has major issues when it comes to having wrong information on there reports. I have had for the past 4 months with Transunion information that was on my report as XXXX XXXX- XXXX XXXX or XXXX by XXXX letter that has nothing to do with them but at the same time Transunion has no right to keep putting and then deleting information that does not belong to XXXX nor assign by the creditor. My score seems like a roller coaster with XXXX  and its never adjusted. If a creditor makes a mistake they should be held liable not by no sorry letter and XXXX  is liable for the issues considering they do not correct there credit scores. Letter assign with complaint.
Consumer complaint received 2018-08-02
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Snow and Sauerteig LLP (IN)

On XX/XX/XXXX, I came home to a packet of documents taped on my front screen door. This notice was an appear in court for a debt notice. In this notice, front page, disclosed the creditors I supposedly owed and the amount of money I supposedly owed. Taped in the open on my front door. For my spouse, neighbors and anyone who came to my door to see. The subsequent pages in the packet contained each affidavit of the debts including name of the places I supposedly owed and amount of money with account number. Exposed for all to see including my spouse. 
This was also the first notice I received from the debt collector about these debts.
Consumer complaint received 2021-08-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XXXX XXXX I was charged {$9300.00} by PayPal due to a ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 
When I spoke to a manager they seemed like they didn't care and they told me there is nothing to be done. 

1- PayPal allegations are false as they are not a partner with my business and they don't know the nature of my business. Copyright infringements and trademark violations stated by PayPal are nonexistent. 
2- PayPal failed to provide a valid court order or a copyright/trademark infringement complaint to justify how they unlawfully seized my money. 
3- All disputes with my clients have been already resolved and the remaining balance was my hard earned money. 
4- My business activities were allowed under the law, the service I provide is legal. There is no law that prohibit the service provided to my customers. 
5- PayPal debited random amount from my balance that doesn't represent any genuine pre-estimate of loss or damages. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 
6- PayPal user agreement stated liquidated damages at {$2500.00} USD per violation and not per transaction. PayPal actions are considered a breach of their own agreements as they stole all my hard earned money and made my balance reached XXXX 
7- I believe that I was deceived by PayPal as they failed to provide the payment service promised taking advantage of me as their customer to steal my money in a clear case of unjust enrichment.
Consumer complaint received 2018-04-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (TX)

I was given a {$50.00} XXXX XXXX XXXX on XX/XX/XXXX, for Administrative Assistants day, Upon activation of the card in early XX/XX/XXXX, I was told the card was worth about {$22.00} because of administrative fees. The back of the card states that fees would begin with the XXXX month of card issuance. Since I had the card for less than a year, I feel the company has stolen {$31.00} from me. 

I used the card on XX/XX/XXXX, when the full value was {$19.00}. Additional fees had been deducted because I telephoned the company with questions.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I do not have a specific dates, but I was added to my mom 's credit card as a authorized user and it is not showing up on Transunion or XXXX  and I would like it to be reported accurately. XXXX is reporting the information correctly.
Consumer complaint received 2023-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I am a XXXX. I applied for a HSBC bank account in early XXXX. After the account was approved, I tried to apply for a credit card. When the bank needed additional information many times, I finally approved my credit card application. When they mailed me the credit card, I logged in to the bank and found that the credit card account was abnormal. I called the customer service. They said that the risk department re-examined the XXXX, and at the same time, they closed my bank and checking account. On XX/XX/XXXX, I provided the information according to their requirements. The risk department said that the results would be issued in 3 to 5 working days. I communicated on the phone many times in the middle of the journey. They kept waiting and did not give me a result. It was still frozen until XX/XX/XXXX. Please help me.
Consumer complaint received 2018-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I was XXXX XXXX, XXXX XXXX. I bought a land lot and built my home. XXXX never put me on bank loan financed by XXXX XXXX XXXX XXXX. After XXXX  XXXX XXXX refused to accept me a rightful owner despite having home assigned to me by XXXX  court, and having a Quit Claim Deed on it. I originally owed {$170.00}, but after XXXX years of XXXX XXXX refusing to allow me to Assume the mortgage they now claim I owe them {$400000.00}. as they enforced the costliest Insurances and the highest compound interests. I was forced to file Bankruptcy in order to prevent XXXX bank to take home. Now in XX/XX/XXXX, XXXX XXXX sold my loan to Specialized Loan Servicing and I am having the same difficulties with them. They have refused to allow me to Assume the mortgage, or to give me a trial payment plan of a year, which they state they could do. My interest is in saving my home, rectifying the paperwork and putting this account back on track. SLS has not been willing to modify the mortgage despite the fact I make sufficient salary to pay. I have lived with my sons, and who have medical problems, and my mother with end-stage XXXX XXXX in this home since XXXX XXXX.
Consumer complaint received 2018-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I have been fight with Wellsfargo with these transaction being fraud for the longest. I was told the transaction were disputed instead of being listed as fraud. now they have reversed these transactions back on my acct leaving my acct neg. 

XXXX XXXX {$53.00} XXXX XXXX XXXX XXXX  {$910.00} XXXX XXXX {$60.00} XXXX XXXX {$60.00} XXXX XXXX  {$340.00}
Consumer complaint received 2021-01-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2018-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I went to the bank to get a loan of {$4000.00} on Monday XX/XX/XXXX and having a good score was decline, and the reasons were that TransUnion use my information and requested some promotional inquiries with 6 difference companies when i never give permission.
Consumer complaint received 2018-08-02
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 (GA)

I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX indicating that I owed a debt of {$290.00} to XXXX XXXX from the Merchant Lowes. XX/XX/XXXX I called Lowes customer service who transferred me to XXXX at XXXX XXXX XXXX who just wanted payment. I explained that I didn't occur any charges at Lowes and could he provide some documentation regarding time place and date of the charges. He responded that he would mail them and I never received anything until a duplicate letter dated XX/XX/XXXX arrived. I spoke to representatives at 2 different Lowes who were no assistance resolving the issue. One did give me an 800 to call after speaking with Lowes corporate customer service. XX/XX/XXXX I called the number and after many lengthy holds and transfers the call ended up back at XXXX XXXX XXXX. Once again I asked XXXX if he could provide documentation of the debt and he stated that was not able to and would like to collect the debt allegedly owed. That is now why I am writing for your assistance in bringing closure to this harassment when trying to find a resolution on my own.
Consumer complaint received 2020-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2018-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below on my Auto Loan and it's also reporting with multiple inaccuracies which is a state and federal violations. 

XX/XX/XXXX XX/XX/XXXX & XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

Two weeks ago I received my annual credit report from XXXX online with no problems. On XX/XX/2018 at XXXX I applied for my XXXX  and Equifax annual credit reports online. I received from XXXX  but Equifax denied and demanded unusual documentation to be submitted by mail. Screenshots attached.
Consumer complaint received 2021-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

Make a purchase of XXXX a little bit over 2 years ago. Back in XXXX or XXXX of XXXX. Was inform by the seller that we can finance and if we can not paid it off in too years there's going to be charge interest fee. I look at the bill and realized that in XXXX or possibly XXXX of XXXX i 2as hit with XXXX in interest. We did make payment and was making payment through the pandemic. I did not know they were going to charge interest on the 2 years all at once if we can not paid off after 2 years and at such high interest rate. The company refuse to lower the rate or provide any extension to pay the balance even with the hardship due to the pandemic. If I know I was going to be charge that way I would have never go for that option because regardless of the time I would think of worse case scenario like what if I can not make the payment.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have paid off my account with XXXX, but they will not update my credit report to list a {$0.00} balance on this account. I tried to dispute the account with Equifax, XXXX and XXXX XXXX ; but they continue to verify a balance owed when there is not one owed.