davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened a new HSBC Advance checking account with {$350.00} new account promotion online in XX/XX/2018. I fulfilled all the promotion requirements by applying the account online and maintaining over {$10000.00} balance. The latest time when I would receive the {$350.00} bonus, based on the promotion terms and conditions, should be before the middle of XX/XX/2018. But till now, XX/XX/2018, I still did not get the bonus.

I tried almost 10 times to contact the HSBC customer service. After checking the promotion 's terms, all the representatives agreed that I satisfied all the promotion 's requirements. They even told me my case was reviewed and the bonus credit was approved by a manager. The latest date, when the bonus credit was promised to be posted on my account, is XX/XX/2018. BUT, today is XX/XX/2018. In addition, most of the representatives asked me to wait and promised that somebody was working on my case. BUT, waiting after waiting, nothing was updated for my account balance. All in all, I met all the new checking account promotion 's requirements. But HSBC Bank USA did not give me the bonus as promised. The bank wasted a lot of my time without correcting their fault, even though I had contacted them for almost 10 times.
Consumer complaint received 2019-01-09
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: First Credit Services Inc. (NJ)

Upon reviewing my credit report I have found a Collection account in which I have no association with the collection account or the original creditor listed within the collection account. 

XXXX XXXX XXXX XXXX is reporting that I owe {$190.00} originally form XXXX XXXX is which i have no and never been associated with. I have attached a letter of validation for XXXX XXXX XXXX to validate this allege debt and provide any signed contracts so that i may understand where this is truly originating and find out if someone has stolen my identity or not.
Consumer complaint received 2018-08-31
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: SYNCHRONY FINANCIAL (CA)

The reason for my writing to you is to state SYNCB/XXXX   is being unreasonable. 
This company requested that I provide detailed proof in regards to being a victim of identity theft. I provided proof that mails which were being forwarded to XXXX XXXX XXXX, XXXX XXXX CA XXXX were compromised and my personal information accessed and used without my permission. I attached my dispute letter which I sent to this company on XXXX with Fair trade commission ID theft report, ID theft Police report and my identity documents. 

I am a victim of identity theft. This report is to document compromise of my personal information, resulting from mail taken from my mailbox during the period in question. 
This account and my personal id info may have been  compromised. Please note that mails which was being forwarded to XXXX XXXX XXXX, XXXX XXXX CA XXXX were stolen. As a result, I didnt get mail. 
There are possible fraud charges since my charge was {$41.00}, any additional charges were fraudulent. This letter is direct confirmation that I want this account deleted, I have enclosed proof of my identity and a copy of my Identity Theft Report that includes a Police report and an FTC ID theft report. 
But to my surprise, This company is still reporting the fraudulent account that It was mandated by law to delete within 4 days of receiving my complaints. For yet another time, this account is fraudulent/or is linked to fraud and I want deleted asap : SYNCB/XXXX XXXX Date of account Opened XXXX The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. I request that you remove this account from my credit report. 
Attached : 1. My dispute letter to this company 2. My police report 3. My FTC report 4. My Small claim form
Consumer complaint received 2018-08-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners Holding, LLC (PA)

I received a call in XXXX from the XXXX XXXX XXXX , XXXX . The call was regarding a Medical Bill, of  {$740.00}, for an out of network physician ( XXXX XXXX XXXX ). I requested that the collection service send me a letter stating the amount owed and other detailed information ( a letter was sent on XX/XX/2018 see attached letter below ). In the letter, the collection service offered a settlement amount of {$550.00}. I contacted the collection service and attempted to make payment. 

In my discussion, I stated that I would send an email to the collection service stating what had been agreed to verbally on the phone. The manager, XXXX XXXX, provided me with an email address : ( XXXX ) and I sent the email ( please see attached document ). In the email, I stated that I would mail a payment of {$550.00} upon receipt of a response to my email referenced above that in summary stated that upon payment, all collection efforts would cease and no reports would be filed with any of the credit bureaus. 

I spoke with an employee at XXXX XXXX after I sent the email, requesting that they respond to the email. At that time, the employee stated that it was a policy of XXXX XXXX XXXX XXXX XXXX not to respond to emails and instead to " Trust Us '' that they would honor the agreement. My intention with the email is to create an audit trail to prove what was discussed and what was agreed to. 

Several more phone calls were received from employees and I again stated that I needed something in writing ( via email ). 

This afternoon ( Thursday, XX/XX/2018 ) I spoke with the Operations Manager XXXX XXXX and stated again that it is my intention to make payment on this settlement balance as soon as possible ( upon acknowledgement of my email ). Again, he stated that the policy was not to put anything in writing, and to " Trust Us '' until after the payment has been remitted ( up to 30 days later ). 

Tomorrow, I will contact the Operations Manager XXXX XXXX and attempt once again to make the payment on the balance upon receipt of an acknowledgement of my email. 

What the collection agency fails to understand is that I need a written agreement that states what both parties agree to in order to settle this issue. The failure on the part of XXXX XXXX XXXX , XXXX. to commit to an agreement in writing constitutes a poor business practice. A written agreement protects both parties.
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (VA)

On XX/XX/2017, I submitted an email to the management of XXXX XXXX, XXXX XXXX, indicating that I, XXXX XXXX XXXX, intended to leave the apartment early if possible due to constant fire alarms ( 43 notices in 18 months lease ), which is 3 times a month. This made the apartment unusable. The management of XXXX XXXX, XXXX XXXX, acknowledged in an email dated XX/XX/2017, that my lease expired XX/XX/2017 and that should I leave early I would have to pay an early termination fee. I choose not to leave early and fulfill my original lease. This written email constitutes notice and intention to leave under VA XXXX, the RTLVA, Section 55-248.6.
Consumer complaint received 2018-05-09
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: CITIBANK, N.A. (GA)

XXXX XXXX, XXXX XXXX is a victim of identity theft. He was notified by CBNA bank of a fraudulent application submitted with his information without his consent XX/XX/XXXX with an inquiry reported to his XXXX credit report. An official dispute of this application was submitted to CBNA XX/XX/XXXX however as of this date CBNA has failed to send a reply to the outcome of the investigation which is a violation of the FCRA and my clients consumer rights.
Consumer complaint received 2022-07-10
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. (CA)

i recently pulled my credit report and XXXX XXXX has my personal information that i did not consent to. this is violating my rights of privacy and needs to be corrected
Consumer complaint received 2018-08-30
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: CITIBANK, N.A. (NY)

Hello I '' m Making a complaint because I want Citi Bank to remove 2 hard inquiry '' s from my credit report. Because I did a pre qualify application and it said it wont effect your score. So the application passed through my credit twice any way as a hard inquiry '' s on the same day twice and I only applied once. This is the link I used for the application process XXXX XXXX XXXX XXXX. Which was XX/XX/2018. Under the fair credit act if they wont remove this from my credit I will sue.
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ORG GC GP BUYER, LLC (TX)

My Husband & I joined XXXX XXXX a year ago and I am on the account.We always paid our bills on time.Since joining my Husband has ended up in XXXX & left me with XXXX money. I am low income & have a small child to raise.Our FINAL bill was {$160.00}, I emailed XXXX XXXX asking for a payment plan of {$20.00} a month ... .more if possible.They accepted my request.My first payment was for {$20.00} & my second for $ 50.All the sudden I got a call from a collection agency named GC Services requesting the remaining balance of 99.00.I was upset bc my account was actively being paid off already.I never breached any agreement with XXXX.But I agreed to pay the balance on XX/XX/2018, as long as XXXX sent me a email or letter promising that they had not damaged my Husband 's credit record already.Not a lot to ask, if I am gon na pay them as requested.Tmw is XX/XX/XXXX & I have received nothing from XXXX, to this day . GC Services promised that I would.
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

I consider this fraud and plan on suing XXXX XXXX Bank for fraud and falsification of information if this doesn't get resolved. XXXX XXXX BANK keeps changing and falsifying the date of last missed payment so they can collect from me. According to the FCRA, Negative information must be removed from your file after seven years. XXXX XXXX bank keeps changing date of my last payment on my credit report so they can keep collecting, when the date has way over passed since XXXX XXXX I AM PROVIDING PROOF with this document that the last missed payment was XXXX XXXX which still should mean 7 years since VERY last payment and that I didn't bring my account current since then. it should be DELETED from my report. please view attached document which proofs this! falsification of information is not right bc it is affecting my consumer rights and finances when trying to buy a home! please view attached document
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/18 opened account and checking account with XXXX. Also applied for mortgage. Added tons of personal information from outside banks. 

XX/XX/18 tried to access account. Was told needed extra security. ( I have a fraud alert on my credit report ) called around XXXX EST. Spoke with someone. They said my account was locked. Said no other information except an alert saying will no longer do business with client she presumed it would maybe be from a fraud alert on my credit card. I just switched with my job my direct deposit which they told me would be approved for this pay check depositing Friday XX/XX/XXXX. 
Also- that the money in my checking account when opened would be mailed back via check within 30 days. After mentioning my DD she said that money would also be mailed back in 30 days. Crazy. Thats my rent. I just wanted to switch from XXXX to XXXX she couldnt give me any more information or escalate my call.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

These are the 7 inquiries I have disputed with TransUnion. TU is telling me they can not remove them unless the Financial Institutions themselves removes them, which in turn they don't recognize them. I humbly request these inquiries by TransUnion be immediately removed from my report. If you view the other credit reports, you will se what I am talking about. Right now I am paying all 3 companies to keep my reports locked. I actually feel like I am being extorted. Please let me not loose track of my initial complaint. I am in the market and I have found a home that is located in a 9-10 Score School District and these inquiries are impacting my credit from Exceptional to Very Good. And that in itself will be very costly on a 15-20 yr mortgage. I hope whoever  reads this will be able to help me, so thank you in advance. 

TRANSUNION File # XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX ( feel free to call me for any question ) XXXX XXXX
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I consider this fraud and plan on suing XXXX XXXXXXXX XXXX for fraud and falsification of information if this doesn't get resolved. XXXX XXXXXXXX XXXX keeps changing and falsifying the date of last missed payment so they can collect from me. According to the FCRA, Negative information must be removed from your file after seven years. XXXX XXXXXXXX XXXX keeps changing date of my last payment on my credit report so they can keep collecting, when the date has way over passed since XXXX -XXXX I AM PROVIDING PROOF with this document that the last missed payment was XX/XX/XXXX. which still should mean 7 years since VERY last payment and that I didn't bring my account current since then. it should be DELETED from my report. please view attached document which proofs this! falsification of information is not right bc it is affecting my consumer rights and finances when trying to buy a home! please view attached document
Consumer complaint received 2018-05-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

We purchased a new modular home XX/XX/2007, with XXXX XXXX XXXX in XXXX XXXX, TX we closed at XXXX XXXX XXXX with XXXX XXXX in XXXX, TX. Closed on a Modular Home I have all documentation. The manufacturer is XXXX in XXXX, TX contact XXXX XXXX, invoice from them shows Modular Home, I called them and he confirmed we have a manufactured home with the serial numbers. We got a loan with XXXX XXXXXXXX XXXX XXXXXXXX for XXXX they transferred our loan to XXXX XXXX XXXX which they transferred it to Carrington Mortgage. Which its been 11 years we have been making notes on our house, yes we just found this out when we received a tax bill for a manufactured house, needless to say our house we have been living in is in someone elses name in a completely different county. A Modular Home is constructed like a home you would build on your land so yes a Modular is  more expensive, we put XXXX down XX/XX/2007 a manufactured home is way less, inspite of this fraud we also have been carrying homeowners insurance on a Modular House for 11 years. My husband is XXXX and all this maintaining and money we have to put into this manufactured home is making is XXXX XXXX worse, let alone we are on a fixed income. I just want help from all parties because this is fraudulent. I have all and any documentation if needed. Thank you for your time.
Consumer complaint received 2023-04-07
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. (CA)

I am writing this complaint, for several items listed below on my credit report that is reporting inaccurately an has violated my FACTA rights under Code 15 USC 1681a ( 2 ) ( 1 ) these items include! XXXX XXXXXXXX account number XXXX XXXX late payment On XX/XX/XXXX. Also XXXX XXXX XXXX account number XXXX reporting late payment on XX/XX/XXXX. Including XXXX account number XXXX reporting late payment on XX/XX/XXXX. In addition to inaccurate account XXXX card account number XXXX. Open XXXX XXXX. Furthermore, all three credit bureaus are in violation for failure to complete and verified their investigation within 30 days or less and provide me an update of their findings to my credit report. This original complaint was filed XX/XX/XXXX. Also included in the dispute request to removal and deletion of an inaccurate address on my credit report. Including inaccurate inquiries by XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-07-10
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. (DC)

Ive got a Bankruptcy on my Credit Report and I inquired to all Three Bureaus.. All which have stated that its accurate, how the XXXX they come up with this?, if The courts dont provide the information?.. Im tired of this XXXX, if there are inaccuracies on my report!.. They should be removed immediately!.. Whats so hard about that?. More importantly!. What was the method of verification?.. Especially, since the courts didnt give it to the Bureaus..
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (OK)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX - XX/XX/2022
Consumer complaint received 2018-08-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

We renewed a CD at Wells Fargo in XX/XX/XXXX with a new maturity date of XX/XX/XXXX. In the fall of XX/XX/XXXX, we began receiving solicitations from property recovery firms for " lost property '' and the approximate total. We were able to figure out the closest asset we had to that amount was this CD. Upon checking the State of Texas website - we found out that Wells Fargo had turned the CD funds over to the state as " unclaimed property ''! Although Wells Fargo later sent a letter they say was sent to us in XX/XX/XXXX - it was never received. It refers to an " inactive '' account, and the information document supplied by them to the State refers to the CD as a " Matured Certificate of Deposit '', which was also not true. We forfeited a percentage of the total to the State to have the money returned, and we lost the interest that should have been accruing up until the maturity date of XX/XX/XXXX.
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX sent me a letter on XX/XX/XXXX informing me they contacted trans union and the inquiry on XX/XX/XXXX would be removed within 6-8 weeks. It has been 11 weeks and the inquiry is still on the report.