davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I contacted HSBC on XX/XX/ because I was unable to add a credit card account ( with another institution ) to their bill pay service. As of XX/XX/ their bill pay service has not be fixed and I have not been able to link the bill pay service for credit card account. 

Additionally, I signed up for a promotional account opening bonus using a promotional link on XX/XX/. Terms stated that I would be required to make a direct deposit of {$5000.00} for three months ( XXXX, XXXX, XXXX ). The {$5000.00} direct deposit was made every calendar month from account opening to today ( XX/XX/ ) and I have not received the account bonus yet. I have contacted their customer support on XX/XX/ and they claim that I did not use a promotional link. I know I used a promotional link because when signing up for the account using the promotional link, I was able to save a PDF of the terms and conditions of the promotional account opening. I followed up on XX/XX/ with HSBC customer support and was still denied the promotional bonus. 

I have a transcript of my conservations with the customer service agents.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (LA)

I received a copy of my consumer report and noticed some major violations according to law 15usc 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; J.P Morgan Chase Bank has not followed its duty set by congress.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-11
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: SANTANDER HOLDINGS USA, INC. (NY)

On XXXX XXXX 2023 the Santander atm inside of XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX failed to dispense me XXXX  The card I used is from a XXXX direct payment account. The full amount of XXXX been charged to my account and no money was received.
Consumer complaint received 2021-10-12
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: JPMORGAN CHASE & CO. (LA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2023-02-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (FL)

since i took my loan out with Santander USA my payment due date has always been on the XXXX of each month. Either some time in XXXX or XXXX my due date was changed to thee XXXX of the month without my knowledge or approval and this has cause several late payments to be reported to my credit file. I did not sign anything and I did not agree to the due date change so how change they just change and then adversely affect my credit. This is a violation of the FCRA. I have heard and been a witness to many horror stories with Santander and this is unacceptable. According to my credit report I was reported 30 days last for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2023-02-10
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: Google Compare Credit Cards Inc. (FL)

I purchased two phones from Google through their online store and financed the purchase through Google 's Credit ( which is really XXXX Bank ) to which I have been paying off with my XXXX credit card. I returned the phones, Google confirms they received the phones in good condition and will issue a refund in up to 14 business days. It has been over a month. Hours were spent talking to Google Support, then sent to Google *XXXX Support, to have to repeat the story to a Synchrony agent only to then be shuffled back to a Google Support XXXX. Truly a nightmare. 

I have been purchasing Google products for years and never had a problem up until now because I had to return something. There has been zero refund to my credit card, Google XXXX account ( which I'm still making payments on!!!! ), or Google account. You would think after buying XXXX phones from them they would want to help you out. It's honestly shocking how awful Google has fumbled this.
Consumer complaint received 2021-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2024-04-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Advance America, Cash Advance Centers, Inc. (TN)

XXXX XXXX XXXX contacted not only me but my father, my step mother, my step sister, and my step brother trying to get a hold of me. I called them Friday XX/XX/2024, and spoke with a representative named XXXX. XXXX was very rude and pushy. He basically told me he doesnt care about me or if I paid that its his job and that it doesnt matter if I pay {$1000.00} or {$2.00} he gets paid by how many debit cards he runs in a day. It was a 5 minute call of complete unprofessional attitude and raised a lot of red flags. Fast forward to today Monday XX/XX/2024 I spoke with XXXX XXXX, the supervisor, and he was completely unprofessional as well and even told me that they wont be dealing with me anymore. It is my belief that this company may be legit but practices shady business practices. I would bet my bottom dollar that they dont follow the law accordingly based on the interactions I had with them. If its possible I would like for them to be looked into. Im also reporting them to the XXXX XXXX XXXX  as well.
Consumer complaint received 2024-01-31
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. (KY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2024-04-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (IN)

My mortgage foreclosure sale date has been set for XXXX. I have a purchase agreement set up with a buyer which is attached as an exhibit. The buyer is a approved for financing and the deal is ready to go. The title company needs another week to set up the closing. PHH has refused to stop the XXXX foreclosure sale date to allow the extra time needed. CFPB rule 1024.41 ( c ) ( 2 ) ( iii ) clearly states that short term loss mitigation options need to be enforced in order to halt foreclosure action. PHH is complying with that specific rule.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

XXXX - XXXX XXXX XXXX XXXX XXXX keeps issuing hard requests on my consumer credit even thought I have requested numerus times that they do not do that any more!!!
Consumer complaint received 2023-02-19
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. (KY)

In accordance with Fair Credit Reporting Act XXXX  accounts 1. XXXX XXXX XXXX # XXXX  XXXX 2. XXXX XXXX  # XXXX XXXX 3. XXXX  XXXX # XXXX  XXXX Has 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 a account without my written permission.

I also have a derogatory mark that was caused account number 2. Listed above.

I also have disputed removing my hard inquiries from my account and they have not done that for me either.
Consumer complaint received 2020-11-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LCS FINANCIAL SERVICES CORPORATION (TX)

On XX/XX/2020 XXXX XXXX XXXX sent me a letter to collect the debt with amount is {$3600.00}. I respond to them that I don't have any account with them and my name is not the same as the person they want to collect the debt but they didn't respond to me. 

Today XX/XX/2020 I received a letter from LCS financial services corporation attempts to collect the debt for XXXX XXXX XXXX, that debt not belong to me.
Consumer complaint received 2023-02-19
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. (DE)

XXXX XXXX XXXX recently reduced my available credit from XXXX to XXXX. To help understand why, I called and inquired as well as ran my XXXX XXXX dashboard, which incorrectly reports my credit number as XXXX ( poor ) rather than my actual XXXX XXXX ( XXXX ) from the three reporting agencies. When I initially called, I was put on hold for XXXX minutes before ending the call. I called back the following day and was told to call back on the next business day. I entered a dispute with all XXXX agencies and will follow up with another call on Tuesday of next week. It is my belief that their inaccurate practices caused my score to drop XXXX points with all three reporting agencies even though my account is in good standing.
Consumer complaint received 2023-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I applied for Hardship in paying Mortgage on XX/XX/2019, now Mr. Cooper or Nationstar is making some or other excuse to not provide me assistance in this matter. they are just dragging the matter thinking that I am a fool. Everyday they are making some or other excuse not to process my hardship and make my life harder. 

Mr. Cooper asked for my two latest Deposit Bank statements, and they also asked for my Federal tax returns, now I submitted both of them and then now when I go on their website, they have paused my application, changed the date of submission from XX/XX/2019 to XX/XX/2019 and asking for the same documents again ( please see the screenshot attached ). they don't want to genuinely help instead they just want to drag the matter so that they can get another 30 days starting from XX/XX/2019 to XX/XX/2019, because they know the last day of my payment is XX/XX/2019 before they declare me delinquent and ruin my credit. I would like to get some help from CFPB regarding this matter so that Mr. Cooper can be stopped from playing all these games. These big companies are not following XXXX XXXX and XXXX XXXX guidelines instead just want to make money so that their pockets can get deeper. Things don't work like this. My points of contact " XXXX XXXX Mr. Cooper Customer Relations Specialist '' and " XXXX XXXX '' are not picking their phones or responding to the emails.
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (PA)

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. 

XXXX XXXX, acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX acct # XXXX 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 a 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
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XX/XX/XXXX, I received an alert that ( 11 ) delinquent US Dept of Education accounts were added to my consumer report. These accounts were previously removed by TransUnion in XXXX due to being re-aged by the original creditor Navient ( CFPB Complaint # XXXX attached ). Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act, TransUnion was obligated to notify me, in writing, no more than ( 5 ) business days after re-inserting these accounts onto my credit report ( this did not happen ). TransUnion received a credit dispute from me on XX/XX/XXXX, regarding the matter and other discrepancies found on my consumer report. ( credit dispute letter and certified mail receipt attached ). 

TransUnion failed to investigate the issue and did not respond to my credit dispute. In XX/XX/XXXX, I contacted TransUnion by phone, on a recorded line, and spoke with a supervisor who confirmed that my dispute results were never mailed out. I filed a complaint with the CFPB on XX/XX/XXXX ( complaint # XXXX attached ) regarding TransUnion 's nonresponse. On XX/XX/XXXX, TransUnion responded to the complaint stating, " We have removed the identified items from your TransUnion credit report. '' They also informed me that I would receive an updated credit report within 7 business days.

It's been ( 15 ) business days and I have yet to receive an updated credit report showing the items they claimed to have deleted. I did not receive an alert from my credit monitoring services that these accounts were ever removed so I pulled my credit report ( 10 ) business days after the complaint ( XX/XX/XXXX credit report attached ). TransUnion was still reporting these accounts. As of today, XX/XX/XXXX, all ( 11 ) US Dept of Education accounts and the XXXX XXXX late payment continues to report ( today 's credit report attached ). TransUnion lied to the CFPB and myself, regarding the " relief '' they offered in complaint # XXXX. And due to their falsehoods, this month I was denied business credit and my credit score dropped XXXX points. In court, this could be seen as willful noncompliance and I now have punitive damages. I am filing this complaint to find out why TransUnion did not delete the items they told us they had already deleted on XX/XX/XXXX ( complaint # XXXX ).
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (LA)

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

There has been an account by XXXX XXXX XXXX with something placed for collection on about XX/XX/2022. I have contacted them already that obviously the account is not mind and has had no verification whatsoever that the account belongs to me. This is negatively impacted my credit score and ability to buy a home.
Consumer complaint received 2023-07-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EdAid Limited (CA)

In the year XXXX I obtained student loan from the company EdAid ( XXXX ) for XXXX XXXX XXXX XXXX which I've been paying the loan of {$490.00} every month even though the school didnt fulfill their initial promises. This year in XXXX I stated having financial issues which I immediately reach out to them that they should spare me some few months to search another job but to my surprise this company didnt show any compassion. They went ahead and take the money cause me overdraft in the month of XXXX which I complain to them again. In the month of XXXX and XXXX they the same thing cause me overdraft, as well. They ask me for the termination letter but I told them that I'm an XXXX XXXX XXXX XXXX for XXXX XXXX  company. They deactivated my account instead of termination letter. I screenshot the deactivated account and did a breakdown of my monthly expenses, and I explained to them that I do not get any assistance from the government as well. This company is adding to my frustration. They let the my bank charging me overdraft in left my checking account in negative.
Consumer complaint received 2024-04-15
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: WELLS FARGO & COMPANY (TX)

XX/XX/scrub>XXXX an inquiry for Wells Fargo Dealer Services was made without my permission or knowledge. I have tried to reach out and handle this issue to no per vale. Last dispute Wells Fargo sent information for a credit card I had and not with proof of approved inquiry for auto loan. Please provide proof of approved inquiry or delete off my credit report immediately.