davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I opened a credit card with HSBC Bank a long time ago. As such, I kept receiving promotional emails from them from time to time. One of the emails stated there was a bonus of {$470.00} for their HSBC Premier checking account. I was intrigued since I had been looking at banking with a global bank for a while. The offer stated I had to deposit a minimum of {$5000.00} for 3 consecutive months, and the bonus would be deposited after. I started the application process which took them 3 weeks, believe it or not, in this day an age. As soon as my account was opened, I went to my job 's HR and made the necessary changes to have around $ 6-7,000 per month deposited directly to my account. This started in late XXXX. So the bank has seen my deposits in late XXXX, XXXX, XXXX, XXXX, XXXX, and we're in XXXX. The bank keeps giving me runaround and nobody knows anything. Customer service number is an overseas call center, and they state they don't handle promotions. Direct messaging within the app states the same. So basically this bank engages in bait and switch tactics. At least I'm glad I realized this early how terrible they are. However, what they are doing is ilegal and must be stopped. I want the Consumer Financial Protection Bureau to publish this so others can be warned.
Consumer complaint received 2024-08-23
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. (FL)

I recently did an investigation on my credit report and I noticed some things that was not my mine what so ever. 
The first account is XXXX XXXX XXXXXXXX This account seems to be in Florida when I was living in New York at the time I sent in a validation of debt letter after reading 15 USC 1692g and I never received a response. I dont know how my info was fraudulently used or obtained but I demand that its fixed and who ever account this is to be held accountable. I want this removed from my credit report as soon as possible. Ive disputed this multiple time with Experian and XXXX and I believe that they both have falsely investigated this matter according to 15 USC 1681i if they did do a proper investigation they would see this is fraud and my information was fraudulent used experian and XXXX was both informed that I sent a validation of debt letter and received no response.
Consumer complaint received 2020-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

I ask for validation documentation from United Revenue Services. A bill is not validation. Id like to see original documentation with my signature. I am allowed under the HIPPA Act to protect my privacy and medical records from third parties .I asked for the following for account # XXXX,XXXX,XXXX. To provide breakdown of fees including any collection cost and medical charges. Provide a copy of my signature with the provider of service to release my medical information to them. I asked for medical consent.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am in the process of buying a home, so when the home loan officer ran my application and asked for my credit report from equifax, equifax would not release it because they said that my social security belongs to someone else. I faxed over documents to prove its mine : social security card, birth certificate, passport, Drivers License, w-2, and paystubs. I faxed them over XX/XX/2020. Then to be safe I also mailed them in on XX/XX/2020. 

I have called everyday to see if they received them and they keep saying no.

When I asked what number to fax it to, I got 2 numbers from their representatives, and if you XXXX Equifax theres endless numbers on their website. 
Same for addresses. There are about 4 different addresses.

I made sure i faxed it and mailed it to the right ones and I am still in the blind because they wont say they received them until they are done processing them. They should have clear answers and just let me know they received them and are working on it.

Its been 2 weeks now, I found out about the misinformation on XX/XX/2020 and nothing has been fixed. I am trying to buy a home and can not proceed until this is resolved. 

The other 2 credit companies ( XXXX  and XXXX ) have no issues with my social security number belonging to me or my credit. They should all have the same information.
Consumer complaint received 2020-06-04
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. (NC)

I recently attempted to dispute a bankruptcy showing on my credit file with Experian ... Experian responding saying item was verified as correct with XXXX XXXX courts I then contacted the courts who stayed they have no records of said bankruptcy filing reference XXXX contains my name and that they had NOT verified or provided any information to Experian ... .I then reached out to Experian again and received credit report # XXXX dated XX/XX/2020 which now referenced the source of the bankruptcy as XXXX XXXX I contacted XXXX XXXX and received a copy of my file which still does NOT reference bankruptcy XXXX as Experian has listed I then filed a compliant with CFPB XXXX were Experian XXXX they would NOT take any actions as my disputed appeared to be from a third party. How can they say this when I provide a copy of my drivers license social security card and credit report showing the bankruptcy listed on it ... I believe Experian is violating my legal right to dispute invalid information and it is causing undue financial hardship for me .... I will be obtaining an attorney for legal assistance with this matter if no valid dispute is allowed on this item I am providing photo Government issued ID Proof of address, social security number and credit report as the previous response stated these items were needed although they were attached I have also attached communication from XXXX XXXX confirming they do not have bankruptcy on file for me
Consumer complaint received 2020-06-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (VA)

SUBJECT : KEEP NOTES My servicer is FedLoanServicing ( myfedloan.org ). 

I submitted a request for employment certification. It was processed incorrectly, assigning dates that had no relationship to the dates on the employer-signed form which I submitted. Based on those bad dates, I was given PSLF credit for the wrong payments. 

On XX/XX/2020 I used the servicer 's website to submit a message requesting re-processing / correction. 

As of XX/XX/2020 nothing had happened, so I called. The representative ( XXXX XXXX ) could see that I'd submitted a message on XX/XX/2020, but the representative COULD NOT SEE the text of the message, nor did she think that the person who eventually processes the correction would be able to see the text of my message. The representative sent her own request asking for the previously submitted documents to be re-processed with the correct dates. I also asked XXXX to send me confirmation of my call and her actions. She said that a " special email '' would be sent to me in 7-10 days. 

Also on XX/XX/2020 I spoke with a representative ( XXXX XXXX ) to follow up on a XX/XX/2020 request to have my XXXX payment refunded as authorized by the CARES act. XXXX COULD NOT SEE my XX/XX/2020 request, which again I had submitted via the servicer 's website. He could not see my request at all, even though I have a copy of the request text, a screengrab of the system 's confirmation of receipt of the request and a copy of the same-day email confirming receipt of the request ( but not including the text of the request ). XXXX re-started the request and also requested that a confirmation of his actions be sent to me.
Consumer complaint received 2020-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld Systems was sent a debt validation letter by me for an account from XXXX XXXX they are trying to collect on. They failed to respond within the 30 day period mandated by law, and in their own letter back to me they acknowledged this lapse. Ive attached their correspondence showing their acknowledgement.
Consumer complaint received 2020-06-04
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. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

A bankruptcy is inaccurately reporting on my credit report. It was removed from XXXX on XX/XX/2019. I reached out to Transunion and XXXX to remove the information as it is reporting inaccurately also. According to them it was verified through XXXX XXXX and Bankruptcy court. Upon receiving documentation from the XXXX   Bankruptcy court that is inaccurate and they do not verify that information.
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (TX)

Covid-19 EIP Stimulus Card : We still haven't received our EIP Stimulus card from the money network company.

This company is supposed to issue government issue stimulus cards for Covid-19. We can't reach them or talk to them to get the status of our card.

Here is their information : Money Network Cardholder Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2023-04-26
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. (IN)

My complaint is about Transunion. If you're straight and get married and change your last name they're happy to update your info just by being told. If you're XXXX  like me they require you to send all your documents through mail and wait 2-3 weeks. This a policy specifically designed to target XXXX  people and make it harder for them to get their information to match. Both XXXX and XXXX have options to upload the documents to your account and have them reviewed from there. So there's absolutely no reason why Transunion is having XXXX  people mail documents UNLESS it is meant to target us specifically. 

Agent I spoke to was XXXX XXXX, she tried to claim this wasn't to target XXXX  people, but then also refused to tell me how to file feedback about how it's an unfair policy.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I submitted a dispute and affidavits, I got a response accusing me of using a credit repair company. I am very offended because, I feel as if I am being accused of being incapable of disputing information on my credit report on my own. I've educated myself and I see how you guys are in violation with credit reporting and I dont appreciate the hardship these inaccurate reportings have caused me. I demand these FRAUDULENT accounts be removed within 30 days. I also demand a response from the bureaus in 10 days. If I dont get a response in a timely manner, I will be filing a complaint with the office of the Attorney General. This is Very insulting and it seems to be a stall tactic to delay this FRAUDULENT info from being removed from my credit. I understand the benefits of bureaus reporting inaccurate info because that means more revenue for the bureaus. You guys have abused me long enough. I DEMAND THESE ITEMS BE REMOVED.
Consumer complaint received 2020-06-04
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. (FL)

I have Been a victim of Identity Theft, every since my Personal Information was Stolen from the Bureaus Data Breech my life has not been the same.. this is very ruff for me at this time. I Never had open any of these Accounts nor did I give anyone Authorization to open Accounts using my personal Information. all of these Accounts is related to fraud
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2020, Saks Fifth Avenue closed my account without notice. I called the Cus. Ser. number and they informed me my account was closed to inactivity. 

I explained that during XXXX I have had severe medical problems ( on XXXX XXXX list ) and I was unable to shop or use my computer for online shopping. I recovered enough last year to finally go outside. Then the corona virus hit and everyone could not go out. 
The Saks employee said we have the right to cancel your card anytime we want. I have been a Saks card holder for over XXXX yrs, and even worked at Saks as a young woman. My credit score has been effected by Saks actions without me violating any part of the contract. This is a very unfair and hostile way to treat a loyal customer especially because of the current circumstances.
Consumer complaint received 2020-06-04
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Northwood Asset Management Group (SC)

This company constantly calls my relatives, I have spoken to the man twice now ( today and on or around XX/XX/2020 ) and told him not to call my family or discuss this debt with anyone other than myself. He tried to negotiate payment with my father without my consent, my father is an older gentlemen and was absolutely horrified. He has also left messages saying that I am being charged with fraud and other threatening things. These calls are being left on the voicemails of my family. I am tired of being harassed by this company and certainly dont want them harassing my family members
Consumer complaint received 2020-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

This is urgent. 

We are unable to pay our mortgage for our home at XXXX XXXX, XXXX XXXX. We received a foreclosure notice from Rushmore Loan Management Services in XXXX CA. Rushmore bought our mortgage loan from XXXX XXXX  recently and we found out 2 weeks ago. 

We heard from news sources ( XXXX XXXX XXXX that the forbearance is given to 3 months and allowed to be extended for 12 months. Rushmore is refusing the forbearence for our mortgage. 

Can you please help with stopping our foreclosure. We were late with mortgage payment before the covid period due to the income loss. Due to the covid our household has XXXX income. My son and daughter ( students ) both lost their part-time jobs. I have been looking for project/jobs and covid19 put everything on hold. My wife runs an air bnb ( XXXX of the XXXX units ), which is stopped now. We applied for XXXX loan and we were declined. I applied for unemployment in XXXX and I was denied.
Consumer complaint received 2022-10-24
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 have called many times to have my hard inquires looked at. I have so many on to list! I have stated to remove all that werent linked to an account on my credit file and it still wasnt done. As I should mention I am XXXXXXXX XXXX XXXX. I had a man on my credit file with me and was recently deleted. My date of birth was incorrect an My spelling of my name, Which all was taken care of please review my inquires hard an soft as if none are connected to an exisiting account I need them removed as I have rights an would like to finally have some help fixing my credit with what this man has done. THANK YOU!!!
Consumer complaint received 2020-06-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

I do not owe any debts to any person or company, but starting on XXXX! I began receiving several calls a day, which I didn't answer, from these two numbers : XXXX and XXXX. I XXXX them both and found they belong to Midland Credit Management and that there were many, many complaints online about repeated harassing phone calls from this company. 
Today yet more calls came so I decided to answer, from the XXXX number. A recorded woman 's voice said to hold for a call for me, and then a Spanish-speaking woman came on asking for " XXXX '' or " XXXX. '' I said nothing and I don't know anyone by either of those names. I understood that she was telling someone in XXXX that there was someone on her line ( me ) saying nothing. I finally hung up. 
I want these calls to stop ASAP!
Consumer complaint received 2022-10-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2020-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: U.S. BANCORP (ME)

Unemployment service in Maine said they sent me a usbankreliacard through the mail. It has never arrived. I can't get through calling usbankreliacard on the phone. Can not access their website without the card which never arrived through the mail.
Consumer complaint received 2020-06-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

Navient Private Loans : For the last couple of months I have been calling to see if I can lower my payments. This month I go to check my account online and it says my payment is {$85.00}. I called several times and spoke with several different people who all say that my bill is {$110.00}. I have explained that I got multiple emails that say my total amount due for this month is {$85.00} and not {$110.00}, I also explained that I can't pay {$110.00} but I can pay {$85.00} or if there are other lower options. They don't seem helpful and willing on helping me pay a lower amount. I always call to make sure what to pay and if I need my payments lowered for the month. I've never missed a payment and always pay the amount owed.
Consumer complaint received 2020-06-04
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. (NV)

Hard Credit Inquiries, XXXX XXXX XXXX telephone company did unauthorized Credit Inquiry, XX/XX/2020, I was no where and did not apply for Credit, I use XXXX XXXX, and have no intention to change, also on my credit report from Equifax there is no contact information, no location, Phone number or person listed, this is a bit of a concern! I would like it removed but without contact information I have no way to get it corrected!
Consumer complaint received 2020-06-04
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (NC)

My mortgage, loan number XXXX ( under XXXX and XXXX XXXX, my grnadparents, with me as an authorized user ), originated with XXXX XXXX XXXX and then transferred to XXXX  XXXX XXXX, was finally purchased by NationStar / Mr Cooper years ago. When the mortgage transferred from XXXX  XXXX XXXX XXXX NationStar / Mr Cooper, I picked up the new Mr Cooper lien, but the old XXXX   XXXX XXXX XXXX was never removed by Mr Cooper, who is under jurisdiction to remove the lien according to XXXX  XXXX XXXX. I contacted a Mr Cooper a month ago to remove this lien and they said they would pass the request onto their research department, who I could not speak with directly. After waiting a month for a response, Mr Coopers research department finally responded to me via email only referencing the Mr Cooper lien, not the XXXX XXXX XXXX lien. So, after a month and probably 15 calls to Mr Cooper to follow-up, it turns out they did not even get my request correctly. This is gross incompetence and I need assistance in getting this resolved, so that I can more easily refinance this loan. Please help.
Consumer complaint received 2020-06-03
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (MA)

I made a settlement with the student loan company for my old student loans from 30 years ago.

I paid them and they told me I owed nothing to the student loan department.

I have watched my credit report and paid all my debts on time and had a good credit report, only to see it drop 40 points one day.

I looked into it and found it was the federal perkins loan department ( ECSI ) saying i did not pay them {$900.00}.

This is unfair as I have not heard from them in 5 years.

Knowing I paid my debts with the student loan company if there was anything outstanding with the government, they would know.

Help me please, I want this off my credit as it's unfair to put it on without contacting me in the last 5 years.

I also don't see why I have to pay it if I was told by the federal government i owe nothing in XX/XX/2018.