davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (PA)

I discovered that they put medical bills through a collection agency. I want it removed from my credit report immediately. I want some one to call me to resolve this matter. 
I have more been without medical coverage in 20 yrs. I never received any letters regarding these amounts. If these invoices are legitimate the Insurance company will cover them accordingly. I believe the invoices were filled out incomplete or incorrectly by medical billing department. Again this is having a serious inmost impact on my credit score and need removed immediately.
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have been disputing this account for some time now with Portfolio Recovery. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they sent back documents that still do not prove that I am the owner of this account or that this debt is mine. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't provide valid sufficient documents pertaining to this account that it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Consumer complaint received 2024-02-27
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. (AZ)

I am contacting you to provide a follow-up on several concerns pertaining to accounts currently reflecting late payments. I respectfully request that these late payments be rectified and removed from my records. Below, I have outlined the accounts requiring correction for your review : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-04-08
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: ALLY FINANCIAL INC. (PA)

In accordance with " The Fair Credit Reporting Act XXXXt '', Ally Financial on XX/XX/2021, has violated my rights by way hard inquiry on my credit report. 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.
Consumer complaint received 2021-10-08
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: Great American Finance Co (NJ)

I received an inquiry alert, I called the company to inform them I didnt not request any line of credit. I was told theyll note the account as fraud. I received another notice that an account was open, I called again to inform them this is not my account I was ask to send a police report. I had to go get a police report for an account I acknowledge when the inquiry hit was not mine and they proceeded to allow the account to be open. Police report completed and sent to the company. I was told it was an online account, my last call I ask why would they not have two factor authentication ( this helps with seeing that the address used I never had any affiliation with ), I didnt really get an answer as it wasnt her position to speak on it.
Consumer complaint received 2021-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2020-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sarma (TX)

The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. Per account I've no contractual obligation to pay this company. I advised this collection to be send back to the original creditor
Consumer complaint received 2021-10-08
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. (OR)

XXXX XXXX reported a credit card belonging to my ex wife was XXXX in XXXX of XXXX. It was not. It was discharged in XXXX. I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. I also called in XXXX and early XXXX, liekly mutliple times to have me removed from the account as an authorized user. XXXX XXXX did not remove me. The divorce decree explicitly shows, the main party and authorized user was to leagely remove me off the account and I was to be removed by the vendor. I also made attempts to remove myself off this account as well as any and all otehr accounts. Interestingly enough all other parties complied except for XXXX XXXX XXXX. XXXX XXXX also still reports it incorrectly on my credit bureaus and in my name. As well as false information. XXXX XXXX  has duplicated the discharge 2 times which is not legal in the first place and incorrect. The 2nd discharge is clearly shown as discharge and it is preventing my from making a home purchase and any otehr large asset purchase. I spoke with another bank and they clearly said it was a discharge and I as tried to clarify as XXXX XXXX XXXX said it was only an update, other lenders and companies of interes explicitly read it and consider it a second discharge. The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. This should have been done in XXXX. This is not only punitive, illegal and immoral. I will seek legal consel as recourse if this is not completed within 30 days.
Consumer complaint received 2021-10-08
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: Santander Consumer USA Holdings Inc. (AL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus is reporting inaccurate information on SANTANDER CONSUMER USA. Per XXXX, reporting must be XXXX XXXX accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2024-02-27
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. (NJ)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Again, and as it happens in the beginning of this year, and as reported in XXXX yet, my XXXX Mastercard payments and my good standing with XXXX past due since XXXX have disappeared in the latest XXXX credit report and on balance statement. It is to be well noted that this was fixed for a while after escalating it to CFPB in May, but now the problem comes again. Attached are the XXXX report showing the right data and the XXXX report with a blank section for my HSBC Mastercard. Attached are also the card statements of XXXX and XXXX. In the HSBC Credit card XXXX statement there was not any FICO yet printed because the problem was just resolved. Later on in the XXXX statement, it ended-up to appear but just for a short time as transmission and/or processing is interrupted again. 

On XX/XX/XXXX I filed a complaint as XXXX had stopped computing and publishing my XXXX score to lenders since XX/XX/XXXX. As already described, I have since suffered various adverse responses due to this failure to compute and to publish my FICO scores for more than 7 months. After investigating with HSBC US NA Bank, where I do have a Premier Mastercard account since XX/XX/XXXX with XXXX past due since 6 years, we have got a letter dated XX/XX/XXXX from HSBC US bank certifying that they do properly report to XXXX all my financial payments. In addition, I can see some of my financial data appearing within my online XXXX account where the year XXXX and XXXX are fully missing. This is the proof that XXXX knows about my account at HSBC US but do not investigate on the failure root cause and do not show enough willingness resolve the issue once and for all.
Consumer complaint received 2022-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (GA)

Posted a XXXX XXXX for sale on XXXX XXXX. Was contacted by a " buyer '' to upgrade to a XXXX XXXX XXXX. 

Used Huntington Bank mobile app to make a total of {$2000.00} in transfers on the assumption it would be " refunded '. Upon realizing this was a scam submitted a fraud complaint to Huntington and the fraud was declined and I have not received my money back.
Consumer complaint received 2022-09-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Round Up Ventures, L.P. (FL)

I took a loan when I was desperate. I borrowed XXXX. I have paid every payment on time and just realized the interest rate on my loan documents is over 200 %. I have paid XXXX back to them already and still have XXXX  biweekly payments of XXXX left. Please help if you can.
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC do not want to increase my credit limit for my XXXX ending under the pretext I would have " returned checks ''. However, and to the best of my knowledge, I never ever had any NSF check in my life. ( NSF = non-sufficient-fund ) If the bank got a wrong information it must disclose its sources for giving us a chance to correct it and unlock the credit limit in a fair manner. Attached is the HSBC letter showing they have an erroneous information in their data bases.
Consumer complaint received 2021-10-08
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: Marine One Acceptance Corporation (TX)

I had a camper loan from Marine One. This account was charged off in XXXX. A hard credit inquiry was completed on my credit in XX/XX/XXXX by Marine One. I did not apply for new credit from this company .I do not understand why Marine one would check my credit.
Consumer complaint received 2024-02-27
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. (TX)

I am writing to express my urgent concern regarding the presence of fraudulent items on my account and to demand their immediate removal. As a victim of fraudulent activity, I expect your company to take swift and decisive action to rectify this situation and protect my financial well-being. 

Upon reviewing my account statement, I discovered several unauthorized transactions and charges that I did not initiate. These fraudulent items not only compromise my financial security but also erode my trust in your company 's ability to safeguard its customers ' accounts. 

I demand that these fraudulent items be promptly removed from my account without further delay. It is imperative that your company takes proactive measures to investigate these unauthorized transactions and prevent any further unauthorized activity from occurring. 

Furthermore, I request transparent communication throughout the process of resolving this issue, including regular updates on the progress of the investigation and the steps being taken to address the fraudulent activity. 

I also expect to be compensated for any financial losses or damages incurred as a result of this fraudulent activity, as well as for the inconvenience and stress caused by having to deal with this situation. 

I urge you to prioritize this matter and provide a swift resolution to ensure the protection of my account and restore my confidence in your company 's ability to uphold its responsibilities to its customers. I am asking for your assisstance to remove these fraud items in my credit file : XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-08
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: ENCORE CAPITAL GROUP INC. (AL)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TN)

On XX/XX/2021, I tried to make a on-line purchase for a table from Ashley Furniture XXXX The purchase was declined three times, and I did not know why. I called Ashley and was informed that I was using the incorrect address, so I verified the address and went back online and was able to make the purchase. Ashley still has the three declined charges as pending on my account even though they were declined. I spoke with their CS agent and was told the three pending charges should fall off in about two months. That has not happened. I spoke with a CS representative and account manager from Ashley yesterday and was told a disputed charge claim would be submitted. The charges were declined by Ashley so why are they showing as pending to begin with? I spoke in length yesterday with CS about the issue and today when I checked my account, they put another charge on my account for the same amount dated XXXX XX/XX/2021. I did not make any purchases yesterday. I canceled my Ashley Furniture card today after speaking with their CS and fraud department. They seemed unwilling to acknowledge their mistake and fix it expediently. I am a XXXX XXXX XXXX veteran, and I believe Ashley is trying to defraud me. I would like help with this issue. Thank you.
Consumer complaint received 2021-10-08
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. (TX)

I submitted dispute letters to all 3 bureaus regarding inaccuracies of dates of late payment and inaccurate accounts on my credit report. One of the accounts were updated but the other 4 were disregarded. This is a violation of my rights.
Consumer complaint received 2021-10-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I finished my forbearance payment x3 which ended in XX/XX/2021. I called another mortgage company to refinance my home and they want a loan modification letter from Mr. Cooper. When I contacted Mr. Cooper, they said verbally that they are able to lower my APR from 5.25 % to 3.25 % and they are going to mail the modification letter in XX/XX/2021 that requires my signature. I have not seen the documents yet. I kept getting calls saying my mortgage is due. When I spoke to Mr. Cooper 's manager, she said I am not liable to pay anything right now because a delay on their end. I have not been billed since XX/XX/2021, and I said I don't want to be liable for extreme late payment due to their delays. I tried calling x2 and their line is cut off. I would like to change my mortgage company but can't move forward without the loan modification letter. Please advice.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$5700.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$0.00} XX/XX/XXXX UNKNOWN XXXX {$200.00} XX/XX/XXXX
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (IA)

On XX/XX/XXXX, at XXXX XXXX  I gave a delivery driver a tip for {$12.00} on a check. The date on the check was XX/XX/XXXX. 

On XX/XX/XXXX, the check was cashed for {$1200.00}. The check is clearly altered. The word line says XXXX XXXX with XXXX written over dollars. The box says {$1200.00} On XX/XX/XXXX, I reported this as fraudulent to XXXX. The fraud department said they may have to close down my accounts. No information was given as to when. In this initial conversation I was told I'd get provisional credit ten days after I submitted the documents needed to fraud. 

On XX/XX/XXXX, I arrived at my bank to get money out. I asked the teller if I could still remove funds given what had been told to me by fraud. He assured me nothing would change on my account. 

In the following week, my account was shut off. I had to run to get everything changed for vendors and direct deposit. My work was switching over their payroll system and I had to run in to change things. I updated that on XX/XX/XXXX. My phone was turned off before I realized my account was closed. I updated my mortgage payment one day before it bounced. 

In subsequent conversations, I was then told that I needed to submit the documents within 10 days or nothing would be returned. I did not receive the documents until XX/XX/XXXX. I was told I opted to have them mailed. So I was under the understanding that I have the remaining business days of this week to get that in. The documents clearly state I have 30 days to get it in. 

Then I followed up with bankers this week. I was concerned about whether payroll would have been updated soon enough. In these conversations, I was told that I would not be given any provisional credit and that my home branch could opt in their discretion to give me back a portion until I got by. I was then routed to the XXXX XXXX XXXX  location that does not even have voicemail. 

From XX/XX/XXXX through XX/XX/XXXX, I was hit with three I've overdraft fees of {$36.00}. No mention to me that I wouldn't have the bounce protection I had on my old account. Even if I had been informed, I was running all over town making sure I wouldn't be in default. 

I informed USBank the predicament with the XXXX branch being closed. I was then informed that I was in the private client group and maybe that they would give me credit in their discretion. I spoke with them. They set up an ACH redirect for the old account to the new account. They were unable to tell me when I would get that ACH redirect. One person told me on Tuesday, XX/XX/XXXX would be the earliest. 

Now I realize there is less protection for paper fraud. But how in the world is this permissible? How can their very clear error be so egregiously be set on me to the point I'm paying more than {$100.00} in overdraft fees?