davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

I received a phone call 6 days ago from ( XXXX ) XXXX in New Jersey, registered to a XXXX XXXX number claiming to be from XXXX XXXX XXXX, XXXX saying I had a debt with HSBC and they were going to take me to court. They mention the debt was from XX/XX/XXXX and I had been making payments until XX/XX/XXXX ( XX/XX/XXXX to XX/XX/XXXX I was in the XXXX and not making payments on anything ). When they tried to get me to pay the debt, I told them they had called me and I didn't know who they were. I also asked for them to send me a certified letter in the mail outlining what this debt was. On Saturday, I received a first class letter in the mail on some generic letterhead outlining the debt. It included an Account Number. Using this account number, I called HSBC Recovery at ( XXXX ) XXXX, Option 2, to get information on this debt. They said it had been sold to XXXX XXXX XXXX. I called XXXX XXXX and they told me they this debt, but had sold it. They weren't sure who they had sold it to, but it would be either XXXX XXXX XXXX : ( XXXX ) XXXX or XXXX XXXX XXXX : XXXX. I called XXXX XXXX XXXX and they had no record of the debt, I tried XXXX XXXX XXXX, but for some reason am unable to call that number. 

I looked into XXXX XXXX XXXX, XXXX, They were registered as an LLC in NY in XX/XX/XXXX, the 're website XXXX XXXX XXXX was also registered in XXXX, and will expire in XX/XX/XXXX. Their website is also just a single page with no accreditations or badges, or anything really.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau (UT)

Knight Adjustment # XXXX is reporting a debt I do not owe. This debt was for an XXXX Machine which was returned shortly after I acquired it. This debt is also past the statute of limitations and it should not be owed.
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (IN)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2018-07-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOVG, LLC (GA)

XX/XX/2018 Date of Service, {$960.00}, Car Accident Claim. The Atty XXXX XXXX has been in contact with XXXX  involving this bill. The last communication was XX/XX/2018 and prior to that XX/XX/2018. The company gave this bill to a debt collector XXXX XXXX XXXX XXXX. This company reached out to me by letter dated XX/XX/2018. I received the letter XX/XX/2018 and immediately contacted them on XX/XX/2018. I asked them for validity of the claim. I did not receive 30 days to dispute this claim. On XX/XX/2018, this was placed on my XXXX credit file. It brought my credit score down by 38 points and then they flagged it on XX/XX/XXXX bringing ANOTHER NEGATIVE posting on my credit. The representative stated they did not know this was a medical claim and when I asked them to removed the claim they denied it stating they would have to speak w the customer. Spoke w XXXX today and the representative told me on XX/XX/XXXX after me speaking with XXXX  told me the account was in review and debt collection should cease. My attorney in turn reached out to them and they still refuse to remove this from my credit. In turn, my insurance stated I owed {$520.00} and I in turned paid that amount to try and close this situation. I spoke with XXXX XXXX today from XXXX XXXX and they state the debt has increased to {$1000.00}. Please assist.
Consumer complaint received 2018-04-09
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. (IL)

I have disputed the accuracy of my bankruptcy account on all 3 credit bureaus. XXXX has removed the public record from my file but XXXX  and Transunion keep saying that the information was verified as correct. The type of record is incorrect. I filed a Chapter XXXX in XX/XX/XXXX and as of XX/XX/XXXX the record should have been removed from my report. They keep reporting it as a chapter XXXX. I have sent letters and documentation showing this and they still haven't removed this.
Consumer complaint received 2018-04-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I have been struggling to repay a private student loan for over 8 years. I have been contacted through Navient and two account recollection companies during this period of time and because of the type of loan it is, have not been able to get any type of relief or anything. I have been in flux with employment and it seems that the private branch of Navient and one of the account recollection companies do not care.
Consumer complaint received 2018-04-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Jet Direct Funding Corp (NY)

I used XXXX XXXX XXXX  to purchase a home. Through the process, I discovered I was given false information including closing costs and down payment. In addition, they shared my credit information with outside parties and ran 7 hard inquiries on my credit which lowered my score to a XXXX by closing.

I complained several times to the person of contact I was given with no resolution. I have all supporting documentation for this claim, including emails to Jet Direct, my closing attorney and all parties involved.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2018-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: ENCORE CAPITAL GROUP INC. (KS)

About three months ago XXXX XXXX XXXX called me and stated that I owed them a balance on this Credit Card for XXXX XXXX XXXX. I stated that I dont have an account with this company. He asked me questions about the purchased items on the card which were to gaming stores. I told him I have never purchased these items. He then told meet I must have the person. Then about a week ago, another man called me about the same account, he was demanding payment so I went through the whole story again. I requested documents showing this information and sent a statement and a letter. The only thing that I can see is my name, the address is wrong it is stating I live in XXXX, I have never lived in XXXX. The one document that you need to see is the original application, which they did not send.
Consumer complaint received 2018-04-09
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: SYNCHRONY FINANCIAL (TX)

On XX/XX/2017 my credit report shows a hard inquiry from XXXX/XXXX from XXXX Florida..I never applied for any credit with them I called the number listed on the report and I spoke with a same who states they do not even offer credit for airlines? Please is there anyway I can have this removed from my credit?
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/XXXX you showed with action in a court of law that no international, federal, and state laws governs you with action in court and the laws are there just to serve your corporation or other corporations like yours so thank you. 
And you can tell me why this notary law from virginia doesn't matter ever? 
Section 47.1-15 : Prohibitions A notary shall not : 1. Notarize a document if the signer is not in the presence of the notary at the time of notarization, unless ( i ) in the case of an electronic notarization, satisfactory evidence of the identity of the signer is established in accordance with 47.1-2 or ( ii ) otherwise authorized by law to do so.

2. Use the official notary title or seal to endorse, promote, denounce, or oppose any product, service, contest, candidate, or other offering.

3. Notarize a signature on a document without notarial certificate wording on the same page as the signature unless the notarial certificate includes the name of each person whose signature is being notarized. 
4. Affix an official signature or seal on a notarial certificate that is incomplete. 
A notary shall not perform any official act with the intent to deceive or defraud. 
A nonattorney notary shall not assist another person in drafting, completing, selecting, or understanding a document or transaction requiring a notarial act. This section does not preclude a notary who is duly qualified, trained, or experienced in a particular industry or professional field from selecting, drafting, completing, or advising on a document or certificate related to a matter within that industry or field or prevent a notary from adding a notarial certificate or electronic notarial certificate to a paper or electronic document at the direction of a principal or lawful authority. 
A notary may decline to notarize a document. 
Any document notarized prior to XX/XX/XXXX, which does not have the notarial certificate wording on the same page as the signature, but otherwise appears on its face to be properly notarized, shall be deemed validly notarized.
Consumer complaint received 2017-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

Our home suffered a loss due to bad pipes underneath my home. Our insurance adjuster came out and issued a substantial money payable to us and the mortgage company to repair our home. We endorsed these checks and sent them to their Loss Draft Department who was to hold in escrow and disburse back to us so we can effectuate repairs to our home. During the construction process the mortgage company released money back to us and our General Contractor, however in order to finalize the construction, we need the remaining balance of funds. Unfortunately the mortgage company wants us to be 100 % complete before they release the balance of our money. I 've tried for the past three weeks   starting end of  XXXX     2017 to e xplain, we ca n't get to 100 % complete without the balance of our money. This project started in  XXXX     2017. My fa mily and myself have been displaced out of our home and can not complete the project without the balance of the money. They expect us to come out of pocket for the repairs. Unacceptable as we do not have that kind of money just lying around. They have not been reasonable or accommodating to finalize the end of this project. Please help so we can finalize this and get back into our home. I have numerous emails back and forth for months with these guys. My insurance company tried as well to get them to release our money to no conclusion.
Consumer complaint received 2021-06-30
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. (NJ)

Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I tried to fix some problems with XXXX & TransUnion - both CRAs did a lot of un-ethical showing me a lot advertising for other products! Even after I made it clear that I did not want to buy those products - they kept sending those ads! 

That has compounded the problems with false info! Even this month - XX/XX/XXXX - I tried - a lot of times to check if TransUnion had deleted the false info. I COULD NOT load my credit report because when I tried - more TransUnion Advertising came instead! 

That happened again & again & again!!! So now I have to file complaints against all 3 of those companies!!! I need to file complaints with CFPB about distinctly different 3 distinctly different companies. - Those 3 companies are - 1- XXXX. - 2 XXXX. & 3 - TransUnion. 



In XXXX - I had been a customer of all 3 of these companies since almost as long I have been old enough to have credit cards or credit reports. - Things had gone very well! - Then - in XXXX - some problems started! - In XXXX - false charges started appearing on my XXXX XXXX. - I called XXXX Customer Service to talk to them about that. - Some of the charges were from another state. Very strange. - I was avoiding using my XXXX XXXX for a while. - XXXX de-activated my account. - XXXX sent false info to my credit files! - I suffered from a ridiculous amount of adverse actions because of XXXX sending false info to my files! - I also suffered from adverse actions because XXXX failed to correct the problems even after 30 days! - Those 3 companies - XXXX, XXXX  & TransUnion have severely violated FCRA! - That caused more adverse actions against me! - For example - I got toy limited by XXXX & XXXX XXXX XXXX! That toy limiting almost certainly happened because of XXXX sending false info to my files! 

.
Consumer complaint received 2018-07-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rossi Law Offices, Ltd (RI)

On or about XX/XX/XXXX I received a collection letter from Rossi Law Office, LTD on a collection for a XXXX bill dated XX/XX/XXXX from XXXX XXXX XXXX XXXX. 
On this same day I called XXXX XXXX regarding this letter and bill from over 2 years ago. 
I spoke to a woman in the billling department regarding this letter as I have never received a bill or notification that money was owed. I was told this debt was sent to this Law Firm awhile ago, and was directed to call the Law Offices. 
I then called the Rossi Law Offices and spoke with a woman who claimed they have had this file for " almost a year ''. At this point I am beyond overwhelmed, scared and confused of a bill of almost {$6000.00}. In my fear I quickly made a payment arrangement to avoid legal actions. I am legally XXXX and live on a fixed income and now widowed. This is where this bill is coming from, on the date of service My XXXX was XXXX in a XXXX XXXX. My XXXX had insurance and this would have been paid with all remaining bills. After speaking to several people regarding this bill, I was told to contact the CFPB. Something is definitly off with this whole situation. 
I was assured this was all taken care of and have never seen a bill since?
Consumer complaint received 2024-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IN)

Last logged into Ally Auto to submit payment for current loan XX/XX/XXXX. On XX/XX/XXXX, attempted to login to Ally because they merged sites with Ally Auto. Contacted Ally to get account reset, account was reset however auto loan did not display on website. I was transferred to Ally Invest to inquire if they could fix the issue. Ticket was opened. Called back on XXXX and XXXX, Ally was unable to resolve issue. Requested paper statement and options to make a payment. They charge {$4.00} for a phone payment which I disputed but submitted phone payment XX/XX/XXXX. Made a comment on social media about my issue, was contacted by Ally OAC department XX/XX/XXXX. Spoke with OAC rep XX/XX/XXXX, they were unable to help and like previous reps, they didn't seem to understand the problem. They opened another ticket. Called again on XX/XX/XXXX, now I can't even login. Another ticket was opened. Called again on XX/XX/XXXX because I didn't get my statement in the mail. Requested paper statement through XXXX then spoke with agent that said my account wasn't switched to paper. XX/XX/XXXX called XXXX rep, left message asking about status of ticket they opened. We're going on the 3rd month of not being able to access my account and 2nd payment that will be charged a {$4.00} fee.
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CT)

I applied for a Citicard, they denied it because I refused to give them certain further information and now they are sending me credit are statements and wont let me close the account even though I have tried 5 times.
Consumer complaint received 2019-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (OH)

I sold a phone on XX/XX/XXXX and used cash app to receive the money. On XX/XX/XXXX this person requested a fraudulent refund and they took the money out of my bank account. Ive contacted cash app multiple times and havent received a response on this matter. Ive filed a police report and fraud charges through my bank account.
Consumer complaint received 2018-07-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

We have a HELOC with USBank. Two years ago, on or about XX/XX/XXXX, USBank took out and restricted our online access to our HELOC account, which was the way we had been making payments our HELOC ( we initially got our HELOC in XXXX ). After we noticed that we were not able to pay online and we had no access to our HELOC, we called customer service and were informed that our HELOC was in foreclosure. That was news to us as we were current and never late in any payments. We called and tried to get information from just about every customer service number available for USBank to no avail. We even contacted local USBank managers that we dealt with on a daily basis. These managers were not able to get any information. It wasn't until we threatened one of the managers with a subpoena and a lawsuit that we were given the option to pay only in person and in the branch and then the branch will send the payments to a " secret '' unit in Minnesota to process our payment. We have been doing that for two years now but we have not received any statements, we do not have any notices from USBank as to why our account is in foreclosure and USBank, and all of their representatives, continue to refuse to identify or even provide paperwork of foreclosure proceedings, etc.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: HireRight Solutions, Inc. (TX)

XXXX XXXX ( recruiting ) They got on my DAC Report discharged .Falsified Employment application.Idid not work for this company, XXXX XXXX XXXX Also said the same thing Discharged Fasified application, also did not work for this company.
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

After sending information to verify myself with my disputes, including their internal file number, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX  and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ... 

The items in question are as follows : ACCOUNTS XXXX XXXXXXXX XXXX never late XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX never late INQUIRIES XXXX XXXX XXXX XXXX   XX/XX/2017 XXXX XXXX  XX/XX/2017 XXXX XXXX XXXX not mine