davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (TN)

I have received repeated calls from XXXX XXXX XXXX ( XXXX ) XXXX today was XXXX XXXX regarding a debt from XXXX   XXXX HSBC. 
Per XXXX there is a balance of {$900.00} something dollars in default as of XX/XX/2016 account ending in XXXX, and they can settle the debt for XXXX if paid today. This is apparently a company that received an old list of collection accounts and are trying to scam people out of money they've already settled or paid in full. I was a victim of a credit card opened in my name, therefore it was identity theft, but I had to pay the settlement with HSBC to get off my credit report which was cheaper than hiring an attorney. I'm seeking someone to put an end to this company preying on the innocent and debt free with old information just to line their pockets with money. If HSBC can help that would be great.
Consumer complaint received 2020-12-15
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. (FL)

I checked my credit report, some information is not mine. The following accounts and inquiries contain inaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (DC)

I opened a Chase XXXX XXXX credit card on XX/XX/XXXX. As part of their promotion, I'm required to spend {$5000.00} within three months of opening the account. 

Chase never sent me the physical card. I called to check on it, and they said they would send another via XXXX, and I would receive it in the next 1-2 business days. This card also never arrived. 

I called again on XX/XX/XXXX, over a month after account opening to see what the issue was with the card. They did send a card, but told me since they didn't have my apartment number correct, it was sent to Ohio. I live in Washington DC. I also have multiple bank accounts and credit cards with Chase. They have the correct address, I'm not sure how they messed this up, but they did. Twice. 

The issue is I now only have two months to meet the minimum spend requirement. I've tried customer service to extend the period a month, but was told they couldn't do that, and would transfer me to a manager, but was repeatedly transferred to other reps who did the same thing.
Consumer complaint received 2020-07-28
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name DPT ED XXXX XXXX {$420.00} DPT ED XXXX XXXX {$14000.00} XXXX XXXX XXXXXXXX {$420.00} XXXX   XXXX {$740.00} XXXX XXXX  XXXX {$460.00}
Consumer complaint received 2022-02-18
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. (CA)

This account is reporting inaccurately & incorrectly on my report. I have the same account reporting as PAID with no balance and positively however they have reported a DUPLICATE account that is reporting with balance & charged off. This account is severely impacting my scores and needs to be removed as soon as possible. 

I have reached out to the bureaus & creditors MANY times but have reached no resolution. They are violating my rights under the FCRA. And definitely adding up to the burden of the COVID 19 pandemic to my life. I feel disheartened knowing that I have been trying to resolve this and get no resolution at all, Please help me.
Consumer complaint received 2022-02-18
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: Experian Information Solutions Inc. (OH)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-18
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. (OH)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-03-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (ND)

Today, I'm here to shed light on a series of events that have significantly impacted t my life. On XX/XX/XXXX, while I lay in bed, a civilian collided with my parked car, rendering it a total loss. 

I am responsible individual, had taken out insurance for their XXXX XXXX XXXX. However, due to an unfortunate oversight, loan coverage was not selected on my policy. Despite this setback, XXXX XXXX stepped in and settled the claim, to the tune of {$11000.00}, effectively acquiring ownership of the vehicle in the process. 

Prior to this ordeal, I was battling a XXXX XXXX XXXXXXXX, leading to frequent XXXX  visits throughout the month of XXXX. Despite my health struggles, I arranged with Toyota Financial Services to make my XXXX car payment ( ask for a transcript of the recorded phone call which I was denied ), which was fulfilled on XX/XX/XXXX. 

Now, what transpired next is nothing short of negligence on the part of Toyota Financial Services. Despite explicit instructions from their loss department to cease payments during the total loss process, they proceeded to inflate my XXXX payment from XXXX to XXXX. What's more, they failed to allocate the {$11000.00} settlement towards the outstanding balance, compounding my financial burden. And obstructing the information needed to finish the Gap insurance claim its now XX/XX/XXXX and is still on going. 

I implore you to consider the circumstances i have endured. The victim of an unforeseen accident, compounded by health challenges, and now find myself entangled in a web of financial mismanagement. 


Thank you.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX AUTO-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXXDate of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 2020
Consumer complaint received 2021-05-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I used to be a very loyal customer since XXXX, chase bank is the only bank I ve using and I referred chase bank to all my friends. I have always been a good customer, I never deposit cash into my account, never withdraw large amount cash from my account, and I made all my payments on time. I had a good experience with chase bank before XX/XX/XXXX, chase bank soundlessly closed my account even without notice me. There are lots of service require credit cards, car rentals, hotels, etc., and I dont even have another bank, as a person travel a lot, my life has been ruining by chase. 
Then I tried to called chase card service, the card service neither given me a reason nor reopen my account, I felt very upset, this action, this closure is very unprofessional and aggressive, the spirit of contract in the transaction was broken by chase for no reason. 
After that I received a letter telling me that all my credit cards, bank account and even my safe deposit box have all been closed by chase. So called the number on the letter XXXX and asked then to reactive my account or review my transaction, they rejected my opinion without even thinking about it.
Consumer complaint received 2023-01-20
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. (KS)

My credit reports generated by XXXX, XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of XXXX. HIgh Balance, 2.Last activity and 3. Date opened which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX XXXX Equifax High Balance {$5800.00} {$0.00} {$5400.00} Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Consumer complaint received 2022-06-14
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. (MI)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 instructions
Consumer complaint received 2019-03-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I took loans out through Sallie Mae in the early XXXX. The loans totaled {$33000.00}. At the time I was done with school, the great recession had hit. I was unable to find employment for an extended period of time and the loans were put into forbearance. Beginning in XXXX, repayment began on the loans. I was unable to pay the amount and had to renegotiate payment plans on several occasions. Fast forward to the last few years when I became more financially stable. I have been paying several hundred dollars each month, which has gone only to interest. The interest rate has been hiked up over and over, and is now sitting at 12 % on the loans. I have created spreadsheets detailing all payments, including principal and interest. I have paid more than 3x the original balance on the loan, and still owe the company {$50000.00}. 

I have called so many times to complain and they say this is what you agreed to on the promissory note, we can not reduce interest rates. I am so discouraged and I do not understand how this is legal. I will end up paying more than 7x what was borrowed if I can ever repay the loans. I do not know who to turn to or what to do. I can't repair my credit because of these loans. I can not save money because of these loans. I can not start a family because of these loans. I can not buy a home because of these loans. 

There must be something that can be done. Borrowers have been failed at every turn. If these companies can legally do this, I have to ask the people in charge of them, how can they sleep at night knowing that they are ruining people 's lives? People who made decisions to do better and often at a age where they did not understand the implications of these decisions.
Consumer complaint received 2022-06-14
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: CITIBANK, N.A. (LA)

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXXCitibank XXXX XXXX XXXX XXXXCitibank XXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXXCitibank XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that any information furnished to a consumer report must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXXCitibank XXXX XXXX any written consent to to report anything on my consumer report. NO CONSENT = IDENTITY THEFT! The following inquiry is being fraudulently furnished to my consumer report. I did not authorize, benefit from, nor consent to this inquiry and I demand for it to be removed from my consumer report immediately. XXXX. XX/XX/2021 ( XX/XX/2021 ). If this fraudulently furnished inquiry is not removed, I will hold XXXXCitibank NA criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative and fraudulent item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXXCitibank NA can not provide to me a copy of when I sent written permissible purpose to validate this inquiry, I demand it be removed in 4 days. Enclosed is the FTC Identity Theft Report which states the inquiry that is being fraudulently furnished.
Consumer complaint received 2022-07-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FC HoldCo LLC (MO)

I was led to believe that i was doing business with XXXX XXXX XXXX in XXXX XXXX Missouri and was going over the contract shortly after to see that the contract was sold right at the point of sale. Because the APR was extremely high and i didnt know at that rate if i would be able to afford it and i noticed that the contract said the finance would change daily which is another worry i had i know my credit wasnt the best and they didnt give me another option. But my problem was the TILA requires me to be able to return the vehicle in 3 days but they put a No Cooling Off period in the contract which made me tie my money up in the vehicle that i really dont have im a single mother of two and live pay check to pay check now i got to the point where im not paying on it because i cant get anywhere with the company that the loan was sold to which is FlagShip Credit Acceptance every time i ask about it they refer to me owing for the last couple of months and now just put my suv on the default department as of XXXX so it will be repossed anyday and i will have no way to work this whole ordeal has ruined my credit and is complacating my life. I dont know what else to do with the high loan rate and the violations these compianes are commiting i know as a consumer i have rights that protect me and i feel that ive been taking full advantage of. I wouldnt of enter in the contract if it woudve been explained to me in a langague that i could understand and rates that I could afford. As ive been researching i see violations of XXXX XXXX and FTC as i never seen nor recieved a opt out notice from nithier company annual or at the begging when i signed im in closing a copy of my contract. And you will notice there is not a no privacy policy anywhere on the contract which again is required per policy. I want them to make this right so i can get my life back on track instead of them ruining my credit and everything else by taking the truck i will lose my job and therefore want be able to support my family thank you in advance for looking into this matter i will be waiting on to hear from you.
Consumer complaint received 2022-02-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions, Inc. (OH)

On XX/XX/2022 I received a debt collection notice from Receivable Solutions, LLC ( RS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. They were attempting to collect a {$270.00} medical bill. I called Receivable Solutions on XX/XX/2022 to dispute the charge however I stated that I was " making a complaint '' about the charge. The RS operator said that I had to make the complaint with the provider, which I did do. I was advised the next day by a third party legal advocate that I needed to " file a dispute '' with RS not " make a complaint. '' XX/XX/2022 at XXXX am I filed a dispute in writing ( email ) to RS at the email address provided by RS in their letter. I did not receive any response from RS to date. Yesterday XXXX I was completing paperwork for a loan, when I found that RS had reported this disputed debt to the credit bureaus. Also, yesterday afternoon I received a letter from RS stating " we did not receive a response from our previous letter '', which indicates they chose to ignore my dispute filed XXXX, and this letter demand for payment was dated XXXX. When I called RS this afternoon to remedy this issue, they said that disputing the debt did not prevent them from reporting it, they further stated that they had 30 " business days '' to respond to the dispute and they were allowed to report it to credit bureaus even while it was disputed. The operators supervisor had no knowledge that I had even filed dispute and had to ask me how I filed it. Once I explained it was an email she made the excuse that they had 30 business days but still never acknowledged whether or not she had seen the dispute. She said that if I paid the total amount requested they would remove it from the credit bureau, simply ignoring the fact that I was disputing the bill. The timeline is as follows : First Letter received XX/XX/XXXX, XXXX First call to RS was made XX/XX/2022 at XXXX am.. Follow up dispute email was sent to XXXX XX/XX/2022 at XXXX XXXX XX/XX/2022 I was notified they had reported negatively to credit bureaus, also I received a letter from RS that same day dated XX/XX/2022 stating they " did not receive a response '' ( not accurate ) I called RS this morning ( XX/XX/2022 ) they ignored my complaint related to the dispute and attempted to persuade me to pay the disputed debt by refusing to remove credit reporting unless I did so. They audio recorded the entire conversation and should have record that they attempted to persuade me to pay it today even though it was disputed and attempts to collect the debt during the dispute should have ceased.
Consumer complaint received 2020-07-28
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: CAINE & WEINER COMPANY, INC. (LA)

I had my credit report recently pulled, and there were multiple duplicates I've already reported, then there were 4 other companies on my credit report that ive never done any business with. 
XXXX # XXXX CAINE & WEINER # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX I've never did any business with these companies.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I'm currently in the process of purchasing a home. I have made several attempts to contact Equifax to unfreeze my account. I send in every document to prove my identity. However, each attempt was a failure. First they told my information did not match, then while on the phone with the XXXX agent, sent me a link to upload my ID and SS card. I was told that I was to dark to see. Please help me understand this.
Consumer complaint received 2020-07-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TX)

Pay Pal states there is a restriction on my account but has made no effort to help me reestablish this account. This is how swagbucks would pay me money on my surveys is through paypayl. I have not violated any of paypals privacy acts. I emailed the resolution center and got access to my account. 

Your account access is limited To view and resolve the limitations that have been applied on your account, you can visit the account limitations page. 

You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 


Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 


Reference ID : XXXX There has been no reason for this and I need help opening my account as there is a linked account and a deposit was made. I have a email stating account verified and ready for use. Please help me.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

hi i have a bill from, portfollio recovery associates for = XXXX from a XXXX XXXX 2, and Copiers 2, and Fax Machine 2, Line of Credit from XXXX XXXX, When i Got the Computers someone Tried to Stop me from using it from the Emails and the XXXX XXXX and XXXX and Getting a Job and Justice Reporting on Crimes it was Hacked into XXXX before i got it, plus i called the XXXX XXXX and tried to Clear this up 4 to 7 times they just blew me off and said will email you, Now after this XXXX XXXX Credit, theres a XXXX XXXX XXXX Case on etc VS Etc i never got that Info or $ Check SDettlement from the XXXX or XXXX on the Card i Got in Mail Vs etc Vs etc the bill is = XXXX Month Opened XX/XX/2017 i, l send the Bill And Report, I would like to be Fully Reimbursed of my Credit to my Credit Bureaus and Paid for Financial Losses from a Hacker or Set Up from XXXX XXXX or there Court case... The Amout i please want to be paid is = {$300.00} Dollars period within 7 to 10 days paid and my Settlement Check would be nice if helped Out Please By XXXX XXXX by