davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

HSBC Platinum Mastercard XXXX So someone used my card to purchase 3 charges that were placed onto my account XX/XX/2018 XXXX XXXX XXXX XXXX XXXX More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX More info Select to Expand XXXX XX/XX/2018 XXXX XXXXXX/XX/XXXX XXXX XXXX More info Select to Expand XXXX they refuse to take this as fraud saying i need to file a police report, I filed one in XXXX and sent them the details, no response calling them XXXX XXXX in investigations no response than at the end of XXXX finally got hold of XXXX XXXX in far as investigations, says she needs the police officer handling the claim so I gave her the info. I had to refile the report since it was done online. I received no response from that date to now. I even sent letter to CEO office who sent me a letter back saying i need to handle the claim through officer XXXX, so confusing. They wanted the police to pull the video. I spoke top officer XXXX and he says that its difficult now to pull video and that he has nothing to do with it although he will look more into it. I never made these charges protected by Billing Rights and I seem to get the runaround they have placed the charges as owing on credit report and their statement when it is far from resolved. I never made these charges and I should not be suffering still after 6 months. It is not matter for to be directed to police, HSBC should resolve. This is the letter received by HSBC Dear XXXX, Your email addressed to XXXX XXXX about your fraud claim was referred to my attention. I appreciate the opportunity to provide clarification. 

The transactions listed in your fraud claim were determined to be authorized and your fraud claim was declined. Attached are the documents we received from each of the merchants. 

If you have any questions or concerns, please contact Sargent XXXX of the XXXX Police Department at XXXX. 

Yours sincerely, XXXX XXXX XXXX Vice President Head of Customer Relations XXXX XX/XX/2018, XXXX XXXX   ( 7 days ago ) to me Dear XXXX, Again, we refer you to Sargent XXXX of the XXXX Police Department with any questions about this claim. That said, HSBC respectfully declines to comment further on the matter. 

Sincerely, XXXX XXXX XXXX Assistant Vice President Customer Relations
Consumer complaint received 2024-05-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (MO)

Good Morning, I am reaching out due to credit acceptance has continually decided to charge me after my vehicle was totaled out by insurance on XXXX XXXX and I still pay a monthly payment of XXXX to credit acceptance and I also have XXXX XXXX with XXXX XXXX. My insurance paid out XXXX by XXXX XXXX and my XXXX XXXX is supposed to cover the rest of the balance of the loan. My balance before insurance paid out was {$18000.00}, my insurance paid {$12000.00}. XXXX XXXX said I had a balance of {$570.00} for a car payment that was late which is not true I paid my car payment on time every month, no problems nor hesitation. My XXXX XXXX only paid {$4400.00}, which leaves a payout of {$16000.00} to credit acceptance and leaves a balance of {$1200.00}. Which I should not owe, I have asked for the XXXX policy in full which they will not provide, and they are adding on fees each month saying I owe interest and now they say I have a balance of {$9000.00} still left and owed on the vehicle. How is that possible when I have XXXX XXXX which was stated to me at the time of purchase at XXXX XXXX on XXXX that if I were involved in car accident whatever my insurance does not cover, my XXXX XXXX would and that is not true with credit acceptance. I have a payment now due of {$420.00} and payment {$560.00} due by XX/XX/2024, and they are threatening me to send me to collections and prevent me from financing another vehicle when I should not have a balance. Credit acceptance keeps adding fees and late charges when I continue to pay and say I am going to continue to pay interest if I don't pay the full {$9000.00} by a certain date. That is not fair nor right to do a faithful paying customer that way. Then threatening me to pay is not necessary I have asked for documents and all receipts they will not provide ; I have asked multiple times. They ignore my request and continue to charge me.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 


XXXX XXXX, XXXX, and Equifax have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

This creditor will call me twice if not three times a day for the past 6 months, despite me asking them to stop. They call me at XXXX on Saturday and Sundays on multiple occasions. In the past week ( XXXX ) they have already called me a total of 7 times within 3 days. I had spoken to them in XXXX of this year stating I am a new XXXX  mom and unable to make the payments at this time. Yet the creditors continue to harass me everyday despite knowing this.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reported me 30 days late in XX/XX/2022. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (MI)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act ) COLLECTIONS- XXXX XXXX ACCOUNT XXXX XXXX I OWE {$1200.00} DATE OPEN XX/XX/XXXX. XXXX XXXX ACCOUNT # XXXX XXXX LATE PAYMENT, XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX LATE PAYMENT DATE OPEN, XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX LATE PAYMENT DATE OPEN XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXX XXXX LATE PAYMENT DATE OPEN XX/XX/XXXX, XXXX XXXX ACCOUNT # XXXX I OWE {$1400.00} XX/XX/XXXX, DEPT OF ED/XXXX ACCOUNT # XXXX XXXX LATE PAYMENT DATE OPEN XX/XX/XXXX,, DEPT OF ED/XXXX XXXX  LATE PAYMENTS, XXXX XXXX XXXX DATE OPEN XX/XX/XXXX I OWE {$610.00} ACCOUNT # XXXX, XXXX XXXX XXXX XXXX DATE OPEN XX/XX/XXXX ACCOUNT # XXXX, XXXX XXXX XXXX LATE PAYMENTS DATE OPEN XX/XX/XXXXXXXX XXXX XXXX XXXX DATE OPEN XX/XX/XXXX I OWE {$27000.00} ACCOUNT # XXXX, XXXX XXXXXXXX XXXX DATE OPEN XX/XX/XXXX ACCOUNT XXXX XXXX, XXXXXXXX XXXX XXXX DATE OPEN XX/XX/XXXX ACCOUNT XXXX XXXX XXXX LATE PAYMENTS. 

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.
Consumer complaint received 2023-04-12
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting 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. (PA)

I am writing to formally dispute certain fraudulent inquiries that have appeared on my credit report. I recently obtained a copy of my credit report from your agency and was alarmed to discover the presence of these unauthorized inquiries. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (MI)

Between XXXX and XXXX Someone at XXXXXXXX XXXX hacked into this credit card account XXXXXXXX XXXX  : XXXX and XXXX and transferred money to their accounts! I informed them that I did and authorize these transfers. They would not so I closed these accounts in XXXX of XXXX over 7 years ago. It still is showing up on my credit reports!!! Also XXXXXXXX XXXX in hacking into my accounts again!!!!
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but
rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

There was a credit card charge on my account from a XXXX XXXX I did order candles from them but they would not be in time for a trade show i needed them for so i canceled the order. The company shipped them anyway I refused shipment. I never brought the boxes into my home, I did not want them - however the company charged me {$1000.00} XXXX disputed the charge - Chase wanted me to provide the company received the product back. I don't have that information I was not the shipper nor did I take possession of the item They kept asking me for something I did not have. I did not get the product and should not be charged for it Chase removed the charge- then placed it back onto my account when I did not give the tracking. I cant give Chase something I dont have - I refused the product
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Months ago, I have sent a letter to the XXXX credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please delete the following items that are harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OK)

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ). 

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (GA)

Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. This company has also no permission to report anything using my info pursuant to 15 USC 1681 4. Radius Global Solutions shows on my credit report in the amount of {$260.00} dollars. Ive never heard of nor done business with this company or XXXX XXXX XXXX. I have been with XXXX XXXX for well over 20 years. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX is the only company services that Ive used.
Consumer complaint received 2024-05-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

This is the XXXX time in the last XXXX plus years this keeps showing up as collections on my credit report under DIFFERENT collection agencies. All are documented in your system. Now Jefferson Capital SYST is trying to collect on a XXXX bill that is NOT even my LAST NAME. I want to file a suit against XXXX, and Every collection agency for damaging my credit, causing mental harm, and the time it takes me to remove these from my CREDIT. PLEASE HELP ME.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FinCo Services Inc DBA Current (IL)

The company is current bank. I was double charged on XX/XX/XXXX. I disputed the charge with my bank. They denied the dispute. I reached out to the company where I was double charged and they stated it was an error but they can not refund me due to the double transaction not showing up. They stated to file a dispute with my bank and they would accept it. My bank denied the dispute and my dispute appeal. I provided proof of the merchant stating I was wrongfully double charged and that I would receive a refund once my bank put it through. My bank stated I could not get a refund due to my dispute reasoning. I put the wrong dispute reason, and now they wont refund me although the merchant stated the charge back was wrong.
Consumer complaint received 2023-12-29
Product: Credit reporting 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)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system 15 US Code 1605 " Definition of a FINANCE CHARGE '' OFF XXXX XXXX XXXX Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX