davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX and XXXX XXXX Services have incorrect information on their report. They did not provide bankruptcy information and other accounts accurately. 
First premier credit card and XXXX  XXXX XXXX XXXX  as well.
Consumer complaint received 2022-11-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (TX)

Im protected under the no surprise medical bills act. I have XXXX and I was unaware of this debt that was a surprise to both me and my insurance. My medical bills were sold to a debt collector without my consent and my privacy was violated under hippa. The company refused to send me a bill or itemized statement telling me what the debt is and where it came from. I was billed on 2 dates XX/XX/XXXX and my debt was sold XX/XX/XXXX. I was also billed XX/XX/XXXX and sold XX/XX/XXXX.
Consumer complaint received 2021-12-17
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: DISCOVER BANK (WI)

On XXXX XXXX I entered into an agreement with XXXX XXXX to assist me with what they called a debt elimination program. I gave XXXX my Discover card number. 
I had second thoughts the same day and contacted XXXX stating I do not wish to continue with this service. I was told by XXXX XXXX on XX/XX/2021 that I could cancel at anytime. When I called XXXX on XX/XX/2021 and spoke with XXXX XXXX he told me it was out of his hands. My Discover card was charged {$3800.00}. I also called Discover on XX/XX/2021 explaining the situation asking them to not approve the charge because I was disputing the charge. Discover stated I can not dispute the charge until it posted. By that time it was too late. I called, sent an e-mail, faxed and sent a Notice of Cancellation by certified mail to XXXX dated XX/XX/2021. I had 5 business days to cancel. I have contacted XXXX multiple times getting the run around and have received no refund. I have also contacted Discover multiple times and sent them all the information that I sent to XXXX. My last contact with Discover and XXXX was today XX/XX/2021. Discover stated they need proof from XXXX that I am entitled a credit or refund. XXXX stated they will send an e-mail to XXXX at the XXXX, XXXX office regarding my cancellation which I have heard it all before.
Consumer complaint received 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Reached to XXXX XXXX on XXXX XXXX to fix an error regarding late payments that they have reporting to TransUnion XXXX XXXX and XXXX. I set up a payment plan for my card on XXXXXXXX XXXX XXXX. To where I would pay XXXX on the XXXX of the month starting in XX/XX/XXXX, XXXX. I made every payment on time with an automatic withdrawal from my account. Until they abruptly transferred the account to collections in XXXX XXXX
Consumer complaint received 2019-12-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

Robo calls were being placed to my deceased fathers home. I contact the company back on the day before XXXX asking them to stop. They stated I had a debt with HSBC that they bought and wanted me to pay. I asked for verification and they said to call HSBC I called hsbc and was told there was no outstanding account by XXXX at XXXX and also there investigation department. The company calling me only said they were a litigation dept at XXXX ext XXXX which when i tried to call back was a bogus extension. I then got a call the following week from someone else XXXX XXXX XXXX which again said I owed debt but this time to XXXX  XXXX. Called XXXX XXXXXXXX again no bad debt or anything in collections called back to HSBC again no debt. Then the 3rd week I get contact made by a XXXX XXXX XXXX who stated I owed I asked for proof of charges they refused to provide any documentation I stated HSBC and XXXX XXXX both had been contacted and both stated there was no account that went deliquent or sold off. Numerous times with all 3 phone number I asked for proof of debt which was refused to me. All they could say was opened XXXX closed XXXX no payments made then last phone call said payment was made in XXXX but then stopped. I never received any mail regarding a debt in the last 7 years.. I purchased a home in XXXX and had all my mail forwarded from my prior address which i had lived at for 10 years and i have had the same phone number for 19 years and email address as long as i have been on the internet. This company had my social, date of birth, what vehicles i owned access to my credit report but no address, phone or email on me. Very suspicious. I ended up settling the bill only to receive a letter from HSBC stating there still was no account out for collections. The last contact I had was with a XXXX XXXX with this XXXX ph XXXX on XXXX, XX/XX/XXXX but then in my email I get a letter for settlement offer but no other contact from them and her name is not on that document. Also when I called back to discuss I was told she was busy and would call be back and I never received a call. I was threatened with legal action and court cost with no description of charges. I was threated that all my lines of credit would be closed and I woulid be unable to do any financial business and that if i didn't want to just pay it I would have to go to court. The tatics used were bullying and scary to say the least. As a consume i was trying to do my due deligience to validate this debt before paying it.
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I open a secured credit card with Capital One and put up the money as directed. I later found out about an fraudulent account in my name and contacted Capital One. They sent proof they closed the account and didnt hold me liable. A week later they closed my account and once the balance was paid never forwarded my security deposit. I spoke with a rep and she was unable to explain why Capital Once wouldnt send me my security deposit back and they locked any access I had to go through statements to verify what the rep was saying. This all seems a bit shady.
Consumer complaint received 2019-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX I called into Capital One to make a payment arrangement. I spoke to a woman who told me when I asked specifically will this keep the account open, since it was at risk of being closed. She said that as long as I made the payment on XX/XX/XXXX, which was my husbands next pay date that I was safe, it would not bring the account current, but it would keep it from being closed. Knowing that my second payment in the arrangement was coming due, I checked the app this morning, only to find out they closed the account. They said that I should have been told that the very last day that the payment could be made would be XX/XX/XXXX. I asked specific questions and fulfilled my obligations. They lied and now my credit will be affected ( not to mention the affect from being included in the breach they had so now my information is out there anyway ). The call was recorded and I want it reviewed and I want the company to have some type of consequence, this isn't just having to pay an extra {$20.00} because of an accounting mistake this affects my credit, and my husbands credit.
Consumer complaint received 2024-02-22
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. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft, my identity was stolen. There is a lot of incorrect information on my credit report. It is stopping me from moving forward in my life. I have made a report with my local police department, in which I was told by them to reach out to the Federal Trade Commission to do an XXXX. I have included a copy of my Federal Trade Commission XXXX. Please delete the incorrect items from my credit report. I did not make these charges.
Consumer complaint received 2021-12-17
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. (PA)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2018-03-01
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've attempted multiple times since XX/XX/2017 to remove the remarks that my account for XXXX XXXX which has a credit limit of {$15000.00} is Closed. This account is open and active and I've disputed it multiple times. XXXX  and TransUnion have gone back and forth. I've received updated credit reports where it'll reflect that the problem has been fixed and the report will show the account is Open and on a following update, the account again gets placed on a Closed status. This is affecting my Length of Credit history as I've had both of these accounts for a long time.
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Protection Association, L.P. (AZ)

On XX/XX/2019 at XXXX ; I relieved in my Post Office Box a post card from Credit Protection Association , LP alleging that a debt was owed in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Aspen Yo LLC (MD)

Today at XXXX My name is XXXX XXXX owner of property located at XXXX XXXX XXXX XXXX XXXX Maryland XXXX the county XXXX XXXX County. The name of my servicer is Greggory Funding LLC and my loan number is XXXX. In RE : Estate of XXXX XXXX XXXX. I am filing this complaint due to Mortgage Fraud, Negligent Lending, Breach of Good Faith and Fair Dealing and Breach of Fiduciary Duty. 1 ) I have been denied mortgage relief for the last XXXX. 2 ) I have n't received any meaningful temporary or permanent mortgage assistance in the last 24 months, servicer keeps increasing the late fees and penalties associated with my account yet refuse to offer mortgage assistance programs. 3 ) Lender is clearly steering me into foreclosure because they tell me the only option available is for me to pay arrears in one lump sum payment. I am approximately 65 months behind on my mortgage, how do they suppose I come up with that kind of money? Surely this can not be my only option, is it? 4 ) My lender has scheduled a Foreclosure Sale Date XXXX/XXXX/2016. I stopped it with a Chapter XXXX Bankruptcy I demand that lender halt any and all foreclosure activity in order to review and resolve this complaint in a manner suitable to both parties. 5 ) I believe a proper resolution will be to lower my payment to something reasonable I can afford on a monthly basis. 6 ) I asked Greggory Funding LLC for Proof of Claim showing that they have something that I signed showing or made a consideration for owing a debt to them I got nothing showing the debt they said I owed them anything.
Consumer complaint received 2022-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

In XXXX I was notified the my loan was being transferred from LoanCare to XXXX effective XX/XX/XXXX. I then received a letter stating the transfer was cancelled. I then received a notice that the transfer would occur effective XX/XX/XXXX. I was out of town in XXXX but when I returned I discovered that my automatic withdrawal for XXXX was not taken, evidently because the process of transferring the loan to XXXX in XXXX that didnt occur stopped the automatic payment. I then send in the payment which arrived arrived XX/XX/XXXX, was cashed by LoanCare and miss-applied by LoanCare to some other account. Multiple calls later that money was eventually located and supposedly refunded to me although the first check never arrived and the second check is in the mail 4 months later. I also received a bill from XXXX in XXXX for XXXX and XXXX which I payed so the loan wouldnt be delinquent. 

This week I was notified that I had a delinquent account in my credit report. Evidently LoanCare reported the loan as closed XX/XX/XXXX but 120 days delinquent. LoanCare was contacted and said it was XXXX  problem. I contacted XXXX and they said they considered the loan up to date and had reported the same. Talking to the LoanCare service center again they stated this request needed to be made on line and that it was reported that way because I didnt make a XXXX payment even though LoanCare has had the money since XX/XX/XXXX. And the lack of payment was transferred to XXXX and payed there too! 

In contacting the LoanCare service center about both the refund issue and the Credit report issue they have been totally unhelpful. Ive been escalated multiple times and on multiple occasions been offered call backs from another level which didnt happened on 5 different occasions. Clearly a pattern of deception. They have used ridiculous excuses why they couldnt investigate my refund request. ( Copy of the check was a JPEG file, as was supplied by my bank, and not a PDF file so they couldnt open it. ) This excuse was used multiple times even after I sent it as a PDF. I advised them that they should hire new tech people.

Im contacting the CFPB because I have little confidence that LoanCare will fix these problems unless pushed. Also, although Im fortunate to be able to float a mortgage payment for four months, I believe that is not the case for the vast majority of Americans and the company needs to be accountable and be forced to streamline their return process so some people are not forced into financial hardship through no fault on their own.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2020-02-27
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 (CA)

Hello, On XX/XX/19 I ordered a sofa sectional and ottoman from Ashley Furniture. I financed it through their credit card ( supposedly Synchrony Bank ) and after 6 months, my transaction is still pending and I have not been billed for it. After I applied for their card, I never received an email or anything by U.S. mail stating how much the monthly payments would be or for how many months it may take to fully pay the bill. The only thing I ever received was the credit card itself in the mail. The status of my order is still " pending '' and each time I call the number on the back of the credit card ( -customer service- ) the person who answers says it is going to be billed for sure at the end of the month and the bill will be due at the end of the following month. I have called each month since XX/XX/XXXX and each time the person I speak with says the same thing about each month. When I called in XX/XX/XXXX, they said it would come in the mail at the end of XX/XX/XXXX and it would be due toward the end of XX/XX/XXXX, and when I called in XX/XX/XXXX they said it would be due toward the end of XX/XX/XXXX, etc. When I expressed my concern for the bill at the end of 12 months to the customer service representative, he assured me that I would not wind up with ONE huge bill after 12 months with interest. He said " You will have equal payments once the first one posts to your account. '' This is extremely frustrating and I will never finance furniture again nor use those two companies. I want to know what my payments will be and when I will receive the first one. I am a XXXX and have used at least 8-9 lunch periods on hold waiting for the answer to this simple request. Please look into this for me. How long do I have to wait with the account " pending '' until I am no longer required to pay? Thank you
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX/XXXX/2021 I sent a letter and FTC report regarding unauthorized information on my credit report. To this day, I have not received a response to unauthorized information. I feel like my disputes have been completely disregarded and ignored. Section 611 ( a ) it states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report and it has been more than 30 days so they should be deleted promptly. I demand these unauthorized inquires be deleted immediately or I will file for litigation due to the XXXX XXXX XXXX XXXX XXXX XXXX. My information was impacted by the XXXX databreach and may have been exposed to the wrong person
Consumer complaint received 2018-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I deposited a check from a business a XX/XX/2018 and Wells Fargo refuses to release my funds until XX/XX/XXXX despite the fact I also deposited a check from the same company in a different amount a week prior. Those funds were available next day. I requested the deposit be cancelled so I could take it somewhere else and they refused. I have less than 50.00 now to last a week and can even buy groceries for my family. Their fraud department decided it looked like fraud since I deposited from the same business but thats usually how payroll works! Instead of someone picking up. Phone to verify, I have to wait 10 days without my money!
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

The accounts that are reporting on my credit report are inaccurate accounts that do not belong to me. I've complained before but nothing has changed, these accounts were opened without my knowledge ive asked for proof or any verification these accounts belong to me and i havent received anything yet these negative accounts still remain and effect my credit report poorly.
Consumer complaint received 2021-12-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On my pervious first second third reques, I wrote to you requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

US DEPT ED is currently in violation of many of my FCRA & FDCPA rights! they are currently reporting inaccuracies to my consumer credit report ruining my reputation to have access to credit. The are reporting a violated account with many inaccuracies & violations pass the statue of 7 years which is also a violation. I will proceed with legal action