davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc. (CO)

I have asked Client services on three separate occasions to provide me with debt verification, including : 1 ) the identity lf the original creditor 2 ) an Original copy of the contract between myself and he original creditor 3 ) the proper and legal assignment contract between the collection agency and the original creditor ( proof that you are legally assigned to collect this debt on behalf of the original creditor just buying debts for pennies on the dollar to collect illegally ) ; 4 ) proof you are licensed to collect debt in Colorado. 5 ) a line by line accounting of the original account ( transaction history, a full breakdown ) 6 ) proof that you the collection agency are in compliance within the statute of limitations for Colorado.

They just keep sending me copies of statement that shows no activity. They send statements of a charged off amount continually being charged more fees. I have asked them on 3 separate occasions to provide this or cease and desist from contacting me. I am still getting phone calls and mail.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

On XX/XX/year>, I called XXXXXXXX XXXX they first transferred me to XXXX XXXX  and XXXX said we not Collecting/ Canceled Collections!!! 
Then called XXXXXXXX XXXX again, they then transferred me to XXXX XXXX and XXXX said we not Collecting Collections, we don't know why XXXXXXXX XXXX transferred you to us!!! 
XXXX XXXX said send me a copy of XXXX XXXX Email and Fax it to US and we give it to XXXXXXXX XXXX to delete it from your account!!! HER NAME WAS XXXX!!! 
XXXX XXXX FAX # XXXX FILE # XXXX ATTEN : XXXX ( XXXX ) ( XXXX )
Consumer complaint received 2020-03-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

I signed up for the {$750.00} bonus offer to open an HSBC premier checking on XX/XX/2019. Shortly after opening my account i got a call from my relationship manager. During that conversation he had asked if i opened the account solely for the bonus and i told him we will see if I like their product but part of the reason was for the bonus. I met the requirement by submitting direct deposits over $ 5k each month in XXXX, XXXX and XXXX. In XX/XX/2019, I contacted HSBC via their online chat to confirm i met all requirements and was told i met them and its just a matter of time to get the bonus. I also contacted the relationship manager who also confirmed i met all requirements and should receive bonus in 8 weeks. In XXXX, I contacted HSBC again about my bonus and this time i was told to send an email to their Compliance team. Their claim was i didn't open the account by clicking on the offer page and i should send any proof i had. Luckily enough i still had my XXXX  browser history which showed i started the application from the offer page. The sole reason for opening this account was for the bonus. This is not the fist bank i have signed up for bonuses. I am 100 % sure i started the application from the offer page which was sent as proof. HSBC is declining to pay the bonus. I am not sure what other proof i need to show. I was mislead with every conversation and 6 months later they are declining to pay the {$750.00} bonus. Please help.
Consumer complaint received 2020-03-20
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: JPMORGAN CHASE & CO. (VA)

Chase Credit Card Account # : XXXX Transaction Post Date : XX/XX/XXXX {$15000.00} We had filed a dispute timely on XX/XX/XXXX within the 60 days of the dispute. Chase had opened a dispute but then ruled in the Merchant 's favor for equipment that was NOT delivered or received by us. 

They had ruled in XX/XX/XXXX that said although we did not receive the merchandise / equipment, they can not help us and that the " dispute '' time window past 60 days was over, even though we had properly filed the dispute within the 60 days per agreement ( with proof ).
Consumer complaint received 2020-03-20
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. (RI)

after reviewing my credit report i found numerous inquiries which i did not authorize from creditors that i have no relationship at all, i have contacted them and they have all said they do not have any information on my name. i have sent Transunions credit bureau a identity theft report and numerous letter and yet they refuse to remove the inquiries. They have said to contact the creditor which i already have and i told them so, they claim inquiries are only authorized with permissible purpose and yet none of the companies have any permissible purpose to report on my credit. i would like this hard inquiries removed permanently. this is causing financial hardship and hurting my ability to qualify for a mortgage.
Consumer complaint received 2020-03-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (GA)

Lender : Navy Federal Credit Union ( NFCU ) Loan Number : XXXX I submitted a complete application for a home equity loan and based on the letter I received the application was submitted on or before XX/XX/2020. The letter I received shows my new loan number and explains I have the right to receive a copy of the appraisal and is one of the attachments here. On XX/XX/2020, I called NFCU to find out the next steps towards the process, and the representative confirmed that my application was being processed, but due to the high volume of applications I might not hear from them until the following week. 

On XX/XX/2020, I called NFCU again, and I was told that my loan was denied because they decided not to process any more applications for my type of loan and that decision was made on XXXX My complaint ( s ) are : 1 ) Why did NFCU accept my application if they were no longer offering the product I applied for? 2 ) Why did the NFCU  representative on XX/XX/2020 confirm that my application was being processed and not mention that my loan was being denied if the decision to suspend loans had already been made? Why did he ask me to call back in a week? 3 ) Why does the NFCU web site specifically state that in regards to the suspension of loan applications " This update doesn't affect applications that have already been submitted. '' 4 ) Why did NFCU never contact me to let me know they were changing direction with my application? and finally 5 ) Why is NFCU infringing on my rights under the Consumer Credit Protection Act to have access to financial products just like other people with similar qualifications? 

Attachments : Letter regarding right to receive a copy of the appraisal dated XX/XX/2020 Screen shots from the NFCU web site indicating my application was submitted and is complete. Also a screen shot of the loan suspension announcement indicating there is no impact to applications already submitted.
Consumer complaint received 2024-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (OH)

In accordance with 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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

Refer back to claim XXXX After XXXX closed my long standing account, they denied me another credit card based on lack of FICO score, I followed all the advise on getting a secure credit card from my bank, XXXX Preferred XXXX XXXX I had to loan myself {$10000.00} and open another credit card. They also said I should obtain 3 credit cards, and use XXXX XXXX and other electronic paying methods to increase my FICO score. 
Why does FICO have all this power??? I'm XXXX XXXX XXXX, have always paid all my bills. I have money to buy whatever I want. Why do I have to juggle all this XXXX to increase a CREDIT SCORE. Why doesn't my hhistory of paying all bills in full for years count? And not owing money. WHY DOES THE US GOVERNMENT ALLOW THESE XXXX  TO CONTROL OUR CREDIT? Why doesn't my record, plus my income and investments count? I've worked hard to simplify my life. All income is automatically sent to my XXXX electronically, the XXXX is linked to my XXXX investment company and all income and bills, including electronically/auto pay of my ONE credit card. ( was only XXXX, now XXXX ) and my bills are auto paid by my XXXX XXXX. Which is electronically paid by my credit union. My new credit card from XXXX is now limited to {$8000.00} which does hardly pays even one cruise. My old account had a {$25000.00} limit. I'm fully retired can afford to travel, have assets in excess of a XXXX dollars yet I can not get credit. WHY IS FICO AND THE GOVERNMENT RUINING MY RETIREMENT TRAVEL PLANS??? Why has the government given them that power.? 
I'm also being bombarded by every credit agency, via emails and in my mail offering in increase my credit and " offering '' me special deals. This has turned loose an avalanch of XXXX  and I hate it.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX DEPT OF ED/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX DEPT OF ED/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-02-25
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: Experian Information Solutions Inc. (TX)

I reached out to Experian on XX/XX/XXXX regarding numerous unauthorized inquiries reporting on my credit report. I have not received adequate disclosures for the inquiries reporting on my credit profile and I have received no response. I thoroughly listed all inquiries that are reporting inaccurately and asked to seek immediate attention to resolve this issue as I believe they are in violation of my FCRA rights and breech of privacy. Today, XXXXXX/XX/XXXX marks 1 month without Experian responding and I demand attention to this serious matter.
Consumer complaint received 2020-03-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (CO)

During the COVID pandemic, I have tried on several occasions to get in touch with Cornerstone home lending in New Jersey. They do not answer there phone. Hours upon hours of waiting to speak to a customer service representative. Note : Even before COVID, they were impossible to get a hold of. I have spoken to a live chat, they have no answers to this problem. It is now XX/XX/XXXX, I have spent the last week messaging them trying to get help with my mortgage loan and they have not been helpful. It is ridiculous that you can not get a person on an email, messaging system, phone, or live chat to try and resolve this issue. Come to find out, it is a third party handling the call center, and now I have been transferred to someone else. This should not be this hard to speak to someone about my mortgage loan. Extremely frustrated. I have been trying since XX/XX/XXXX to get in touch with someone.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

TransUnion LLC XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX/XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXXXXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX/XXXX
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DEPTEDXXXX Equifax Information Services LLC XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DEPTEDXXXX
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

I received a warning from my credit watch service that Chase has reported me to credit bureaus as being late for payment. When I checked with the credit card company Chase, I was told that I was late making payments and I was 2 months late and they closed my account and reported me. 
I do not use this card and my existing card has expired on XX/XX/2019. I have not received a new card and I haven't used this card long time. I was told by XXXX from Chase Credit Bureau Specialist that the balance is left over balance transfer fee and interest. 
I am a XXXX veteran and during these times it is unbelievable and very selfish for them to report me to agencies for approximately {$100.00}. 
Once again I haven't received a new card when my old one was expired. I haven't received a call or text to tell me I owed money to them and I haven't received anything in writing. They bypassed any means to communicate and resolve the issue but reported me. 
Wouldn't it be reasonable to ask why they did not try to reach me? 
I understand they send statements in emails but I have not received any emails with regards to this situation from them.
Consumer complaint received 2024-02-25
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. (IL)

I recently pulled and reviewed my credit report and found unverifiable and inaccurate items that were reported on my credit report. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of buying my first home for my family. 

It is against the Fair Credit Reporting Act to report any information in regards to a credit report that is inaccurate and in violation. 

In accordance with the Fair Credit Reporting Act, all reporting has to be 100 % accurate on my credit report and under 15 U.S. Code 168e ( b ) and 15 U.S. Code 1681i ( 5 ), the listed accounts are in violation for inaccurate reporting. 

Please review all of the documents and remove the accounts that are listed.