davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

XX/XX/2021 - online application was solicited for HSCB by XXXX XXXX via email XX/XX/2021 - application was submitted to HSCB online XX/XX/2021 - documents were submitted online to verify income and banking information XX/XX/2021 - phone call with HSBC to review income verification with request for additional information. 
XX/XX/2021 - call returned to HSBC to verify employment information. HSBC stated no additional employment verification was needed at this time. 
XX/XX/2021 - additional income verification submitted online based on the XX/XX/2021 phone conversation. 
XX/XX/2021 - email received stating loan had only 2 days left to submit the required information. 
XX/XX/2021 - email received stating loan declined due to failure to verify employment " Unfortunately, we are unable to approve your Loan Application due to the following reason ( s ) : We are unable to verify your employment '' ( attached ) XX/XX/2021 - phone call to HSBC resulted in response that all loan decisions are final and this employment verification error can not be revisited and that no application could be considered for 180 days. HSBC employee would not transfer me to her supervisor.
Consumer complaint received 2019-12-26
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-12-26
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. (NC)

XXXX the loan servicer for me and my wife 's mortgage is not reporting the mortgage to our Equifax credit report. Information is missing. The loan was previously reporting, but it was incorrectly reporting. Now the information is not reporting at all.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is a charged off account reporting with a balance the IRS Clearly defines a charge off as Gross or Ordinary income, and Income doesn't get Reported on the Consumer Reports which in facts makes your reporting of this account inaccurate
Consumer complaint received 2022-01-31
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 us 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 XXXXThis 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

On XX/XX/2019 I was alerted to a negative change to my XXXX credit report resulting in a 91 point drop in my credit score. The negative report was that my balance on the XXXX XXXX XXXX Credit Card increased {$820.00}, but what XXXX isn't considering is that I transferred that balance from my XXXX Credit Card. It was just a transfer, there was no increase on my credit cards. XXXX also indicated a negative report on my credit due to an increase of {$39.00} on a XXXX Credit Card. XXXX isn't showing any of the payments I made on these credit cards in the last month of over {$300.00}. My credit score should never have dropped, it was just a transfer from one card to another and if my payments were shown correctly my credit score should be back above 720 where it belongs.
Consumer complaint received 2019-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a transaction that presented when there was sufficient funds to process, was deducted from my account, then reversed, eventually returned to my account after other transactions were presented and bounced, then I was charged a {$35.00} NSF fee. The transaction should not have been stopped, but if it was why am I getting a fee and the funds removed also?
Consumer complaint received 2019-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (KY)

Complaint is against XXXX XXXX XXXX, for XXXX XXXX. The company had the wrong tax parcel # for our property & an escrow analysis was completed raising our escrow payment from {$190.00} to {$440.00}. Additionally they withdrew {$700.00} from our escrow acct. & sent it to the address of the wrong tax parcel. 
1 : {$700.00} was mailed for the incorrect address city property tax on XX/XX/XXXX XXXX : the check was never cashed and the city was asked to promptly send it back to SLS/XXXX 3 : the {$700.00} was never deposited back into our escrow. SLS/XXXX has not stopped payment 4 : the escrow analysis stayed in error for another 2 months 5 : because of this the total mortgage payment inflated to almost double 6 : we called and talked to a man named XXXX on XX/XX/19 teller ID XXXX XXXX : he told us to pay {$750.00} on the amount as that would assuredly cover the new escrow analysis that we were promised to be completed numerous times 8 : we pay {$750.00} 9 : the payment was suspended unbeknownst to us and on XX/XX/19 XXXX received a collection call at work for the remaining balance ( KEEP IN MIND THE PAST DUE AMOUNT IS STILL BASED ON AN INCORRECT ESCROW ANALYSIS AND WAY OVER INFLATED IN PART DUE YO THE FACT THAT SLS/XXXX NEVER REDEPOSITED THE {$700.00} ) 10 : I informed the agent that no, we do not owe that as the escrow account is incorrect. She agreed immediately after looking briefly at the notes and we hung up with each other. 
11 : XXXX called on XX/XX/19 and talked to the tax department to find out if they had paid our property taxes and they had not. She asked that person about the collections call and letters we received stating we were late. They sent her to customer service and she talked to a XXXX She admitted it was wrong but we still had to pay it before the XXXX or we would be turned over to a collections agency. 
12 : we paid {$440.00} online for the rest of the incorrect balance on XX/XX/19 to avoid damage to our credit 13 : in this payment a late fee of {$24.00} was included ( wasnt exactly apparent when it was paid ). That should be refunded into the payoff. 
14 : after several calls stating they were going to actually pay the tax bill XXXX gave up and paid it herself to the total of {$390.00}. That includes {$69.00} of interest and penalty fees that should also be deducted from the payoff as the lateness was XXXXs fault. 
15 : we need a clean payoff showing the escrow payment and refund of fees, interest, penalty and late fee which we calculated at a total of {$92000.00}. SLS/XXXX  insists that a future tax bill payment of {$670.00} is already scheduled & must be collected in the payoff! They never paid our city tax & we want to pay our own School tax which isnt actually due until XX/XX/XXXX. They wont even have the loan at that time We have a loan ready to close at a local bank & are simply asking SLS/XXXX to provide a correct payoff so we can end this nightmare.
Consumer complaint received 2022-01-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I have been trying to fix an error on my credit report for months by dealing directly with the credit reporting agency. I have a XXXX account that can not be accurate. The account reports that it was opened in XXXX of XXXX  and that it was a paid collection. I had a XXXX at some point in the past that was paid in full. I recall when I was done with their service that they told me they were holding a security deposit and that amount would be used to satisfy my final bill. Basically I owed them nothing and I was paid in full. My account should have never been in any collection. I am not sure if the account reporting is my past account or if I was a victim of ID Theft. I previously completed a FTC ID Theft Affidavit related to this because I am certain that I never had an account that went to collection that I later paid with XXXX. I am concerned that someone else may have opened an account in my name that went to collection since mine never did.
Consumer complaint received 2019-12-26
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. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Account paid. Reflect negative in my XXXX, XXXX and XXXX report. It unfair to be negative on my report when i was paid. I woould like to remove for all three all 3 credit of report XXXX, XXXX, and XXXX.
Consumer complaint received 2019-12-26
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. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-11-29
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. (OH)

I am a victim of identity theft and I have attempted to dispute inaccurate items on my credit report due to identity theft. I reached out to Experian ( via certified mail ) in XX/XX/2019 and XXXX 2019 to dispute inaccurate items reporting in my credit file. In XXXX 2019, my dispute letter was completely ignored and I did not receive a response from Experian. On XXXX XXXX, 2019, I contacted Experian and spoke with a male in consumer relations that specifically handles my credit file. I explained that Experian continues to report an inaccurate address, inaccurate accounts and an inaccurate public record. I have two identity theft affidavits with police reports on file with Experian and the gentleman insisted that I obtain a new police report that does not contain an online police reporting system as he stated Experian policy does not accept such reports. However, I disputed the information I received from the gentlemen as consumer regulation does not state such information and most enforcement agencies only accept theft reports online. During the phone conversation, I disputed a inaccurate address listed along with a bankruptcy reported with an alias of XXXX XXXX that does not belong to me. Experian refuses to remove and block this information from my credit file as an identity theft victim in accordance to the Fair Credit Reporting Act ( FCPA ) ; 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. 

I have included all inaccurate and fraudulent information included in my credit file that should be blocked and removed from my credit file.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 
XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$360.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection {$500.00} XXXX XXXX Collection {$500.00} XXXX XXXX Charge-off {$1300.00} XXXX XXXX Charge-off {$9200.00}
Consumer complaint received 2022-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC (MI)

I am XXXX XXXX XXXX and I am sending this complaint without any third-parties involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the XXXX is having data and system issues. I decided to look at my credit reports from the XXXX and XXXX credit bureau and found that this RMP, LLC ( Original Creditor : XXXX XXXX XXXX ) with the account number XXXX was reporting to be negative on both XXXX and XXXX XXXX I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX  but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-09-02
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: Bread Financial Holdings, Inc. (CT)

I request to review all reports. There are differences between reports issues. I tried 2 or 3 times but they did not review it in accordance to law. Both reports have the account that does not have past and a XXXX balance use. NO info about use, or unknown information. The credit score report in XXXX reports " Charged off as bad debt Purchased by another lender '' in XXXX reports " Charged off account ''. Non of them have information about " payment status or past due '' or worst payment status. The reports do not have the same information, Commenity bank do not accomplish to verify all before send their determination to my dispute. As a consumer I request to delete the account in accordance to the law.
Consumer complaint received 2022-01-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Healthcare Receivables Group, Inc. (NC)

HEALTHCARE RECEIVABLES G Opened XXXX {$370.00} I had this in my credit report which decreased my credit score. I was never aware of the amount. Debt collector never called me or mailed me. I just found out this recently. 

I called the XXXX health the primary health collector. They finally located the account which was under my infant account for service in XX/XX/XXXX. The bill was sent to my old address ( the new address was updated sometime in XX/XX/XXXX ). 

XXXX asked me to call the collection agency. I called the collection agency on XX/XX/XXXX and paid the amount.
Consumer complaint received 2019-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

In early XXXX American Express closed all of my personal and business credit and charge cards with out notice. This not only left me without being able to get gas or groceries but effected my business as I had several business cards with American Express. They acted with disregard for my business and the several cards I held with them. I charged thousands each month on each of the cards and they were my primary card issuer I utilized. They were not commercially reasonable in their closure of my accounts and did not refund the annual fees I had paid, some a mere month ago. I reached out to American Express on multiple occasions and received no information regarding the closure of my accounts. My points were forfeited and earlier in the summer I had approx. XXXX American Express Membership Reward Points " clawed back '' with out specific reasoning. There practices are not consumer friendly and leave me and my business in the dark in regard to my " violations ''.
Consumer complaint received 2022-01-31
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2022-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I do have 2 personal checking account with BofA in the second half of the year 2021 my employment stopped there is no income till now which is I face a financial problem from covid-19 one regular payment start hitting my bank there is no money it's been returned my bank start charging me {$35.00} for each transaction one of one of the accounts in XXXX of 2021 they took {$280.00} as fees they took {$640.00} in total from the 2 accounts in the year 2021 I called him too many times to resolve this problems they say in the best option for you to switch those accounts to a safe balance account which is you get no fees and will work in the face we charge you I did what they asking me for still there is no solution for the money they already took. And now they want to in the top of that close my account because it's have insufficient funds from a dispute I made for {$200.00} and they did not investigate that after the asking for the paperwork I didn't fax it for them so one of the account it's overdrawn because of the dispute money {$200.00} my fax machine telling me they received the paperwork on time I called and it said sorry we going to do anything at all so in the top of the 6:40 there is an issue with {$350.00} now as a dispute didn't want to do the job for it that's why I filed this complain hoping to get some help somehow I'm without job I don't have no money to pay them back in the top of that they want to destroy my name and close that account.