davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (DC)

I have a master card with HSBC. A hold was put on my card around XX/XX/18 ; I believe because of increased activity due to holiday shopping. Since XX/XX/18, I have called customer service over 8 times. Each time I have been transferred multiple times and then placed on hold for up to 1.5 hours. I usually have to end call because after 1 to 2 hours I have work or other issues to attend to. I want to close the account because of this poor service but customer service says I can't until fraud department speaks to me. Even " direct number '' has resulted in these transfer loops and excessive hold times.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I recently went to test drive a new car at XXXX XXXX. After a week of careful consideration I decided to apply for a loan for this car. Moments later I was approved for an extremely high interest rate and that was unusual. Which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. These items need to be deleted from my credit report. I'm working on this and doing this on my own behalf and I need this taking care of a as soon as possible.
Consumer complaint received 2021-05-10
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: The CMI Group, Inc. (TX)

On today XX/XX/2021 I contacted the offices of Credit Management , LP to speak with a representative regarding a collection account listed on my credit report. While speaking to the agent and asking questions regarding the account she continually became upset. I asked several times was there someone that I could contact via email she then intentionally disconnected the call in the midst of me speaking. Before hanging the phone up in the middle of the discussion I tried asking for her name and or representative credentials, she declined. She repeatedly asked me to verify an account that Ive notified Credit Management and the original creditor XXXX XXXX was a fraudulent account. I also spoke with a fraud department representative of XXXX XXXX who asked for a police report that I could not provide because I no longer reside in XXXX and the police department here in XXXX notified me that the account is too old and the police report should be filed in XXXX the original state where the fraudulent account was opened. Ive asked Credit Management on numerous occasions for validation of this said debt whether it be my signature on any original documents or my drivers license along with any documentation proving that I did intact open this account with XXXX XXXX. None of this could be provided to me. This would be my fourth attempt at handling this derogatory account with both the original creditor and the collection agency. Ive filed a previous complaint with the CFPB which in response Ive noticed an update on XX/XX/2021 where the account is now being listed as closed with a balance on my credit file, not removed. However, although they ( Credit Management has closed the account according to my credit report I received a letter today dated XX/XX/2021 from Credit Management regarding payment on this now closed account. Ive spoken with several different representatives of Credit management and Ive also reached out to XXXX XXXX on XX/XX/2021 to resolve this matter. To which each attempt has been unsuccessful. Although this debt is not mine and nor can any documents be provided for validity of this information Ive offered to settle the account with the hopes of having the account permanently removed from my credit report for inaccurate and not factual statements, this was also denied.
Consumer complaint received 2022-01-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Volvo Car Financial Services U.S., LLC (TN)

Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a wet ink signature of a signed contract with the creditor. I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. I am invoking my specified remedy as a consumer, and the original creditor, I am demanding all of the following : XXXX out the balance on this account, Grant me my title lien free, Pay me all payments made to your company including any down payments from the inception of this alleged debt until the current date. Your next contact with me should be to either notify me that the Volvo has failed to provide verification of the debt and that the matter has been closed. Please confirm that I am not being held responsible for the debt in writing and the above specified remedies has been granted. I expect that you will provide me with all documents relevant to the debt as requested in my Debt Validation Letter submitted to your office via certified mailing and any other data that indicates my responsibility. In addition, you may not contact me by phone at work or at my home about this alleged debt. All future correspondence should be sent to me in writing. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity.
Consumer complaint received 2022-01-21
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION (TX)

I sent a remittance coupon to my bank to deposit the funds into my account but the stamp duty was incorrect. On the coupon I instructed them that they had 3 days to return the negotiable instrument if they did not accept it. It has now been over a month and I have not heard from them.
Consumer complaint received 2021-05-11
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)

There are 11 accounts that do not belong to me I have been going back and forthe with the bureuas regarding this since XXXX of 2020 I have opened an FTC I have called and written letters to the bureaus but nothing is being opened or even looked at I need this taken care of since these are not my accounts and they do not belong in my report!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : JXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2021-05-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2022-01-20
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: EQUIFAX, INC. (FL)

I had an account from XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, WA XXXX XXXX IN XXXX of XXXX. I paid off this account for deletion off my credit report and was promised i would recieve a letter stating the account was paid and to be removed from my report however, today is XX/XX/XXXX and the accounts have remained on my report.
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Me and my parents have an account at Citizens Bank and the bank froze the account with no explanation whatsoever. 
This was done at the beginning of the year 2022 around XX/XX/XXXX is when we noticed a problem with the account, reached out to the branch managers and told me that they send us a letter to our home address and we NEVER received any letter. I called the customer support number, the fraud department, no one wanted to give me answers. 
Today XX/XX/XXXX they withdrew all our money and they said they would send it in the mail. 
We never asked our account to be closed, all we asked was assistance and an explanation of that is going on. The account has no shady transactions, this is there retirement account that I manage ( joint account, me and parents were on it ) for them to pay their bills, direct deposit for their Social Security and mortgage payments. 
This is completely unacceptable. They withdrew {$32000.00}. What happens if we don't get the check? since we already didn't get the letter notification.
Consumer complaint received 2021-08-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Green & Sons Agency, Inc. (UT)

I seen a collections on my credit report that I did not recognize. I disputed this debt and asked for proof of service. XXXX months went by without anything about the debt. Then all of a sudden I was getting served on XX/XX/XXXX. I filled my answer worth the courts stating I did not know what this debt was and wanted proof of service. It took them tell XXXX to send a response. I am sure so they could add on three months of interest and charges. However, this medical debt I was made to believe was paid in full. My daughter was double insured. Even on the papers from the Dr office it is clear even after fighting with them that they only billed one insurence. I never received anything from the Drs office. No calls or letters from the collection agency so I had a chance to pay it. There was zero correspondence. So in court I offered to make payments without a judgement. I was just going to resubmit everything to my insurence after all this. But this collection agency wouldn't go down at all and also when I said fine I'll make payments it wasn't good enough for them because they want to put a judgement on my name. So I called on XX/XX/XXXX to just do a settlement amount and they wouldn't even work with me on that. Offering a cash payment of XXXX and was turned down. They are unreasonable to work with. My pro bono lawyer stated the same thing. This whole bill is unfair. It was right during covid which is why im assuming I had no letters or calls to try to take care of it. And then when businesses opened back up instead of giving people a chance they just pile on tons of charges as take you to court. It is absolutely unjust and unfair.
Consumer complaint received 2021-08-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC (CA)

I keep receiving multiple text messages on a wireless mobile hotspot what has an assigned telephone number from XXXX from an automobile lender. I have called them multiple times to tell them that I do not have a loan with them, have never had a loan with them, that the device they keep sending text messages to is not a phone, but a mobile hot spot ( MiFi ) and they are annoying me by sending delinquent notices to me when I am not their customer, and have never been their customer.

The company involved is American Credit Acceptance ( part of XXXX  XXXX XXXX )
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX became my loan servicer XX/XX/2020. My credit report shows reflects inaccurate late payment history for the timeframe XXXX through XX/XX/2020 for XXXX Trans Union and XXXX. XXXX shows 180 days late, Trans Union shows 120 days late and XXXX shows 120 days late which is inaccurate reporting. XXXX XXXX XXXX  was not the loan servicer for frame reported and is incorrectly reported on my account. XXXX XXXX is also reporting in accurate information for XXXX XXXX 30 days late on all three bureaus XXXX 30 days late on all three bureaus and XXXX for XXXX only. I have never been late on my mortgage payments. I demand that all three credit bureaus are updated to reflect no late payment history as of XX/XX/2020 to current and all payment history prior to XXXX XXXX purchasing my mortgage loan removed from my credit report.
Consumer complaint received 2021-08-27
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. (DE)

These accounts are reporting inaccurate information on my credit reports, I've tried to speak with the creditors and disputed with the credit bureaus to no avail. Can you please assist me in getting these inaccurately reporting accounts removed from my credit reports. Credit reports are required to be certifiably compliant with the Metro 2 standard of reporting any deficiency in reporting nullifies the reporting privilege and those deficient accounts are required to be removed. 

The following accounts are reporting inaccurately, please remove them immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-26
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2021-08-27
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. (FL)

I have inquires that I did not authorize at all I called all 3 credit burial and the only company that was able to help me was Equifax that disputed 20 inquires and the confirmation is # XXXX. I explained to XXXX  and XXXX  how I can get it deleted and they told me that I had to call each company and ask for a deletion form for the unauthorized inquires but when i started calling the company 's 4 of them told me that they have no record of anyone trying to apply such as XXXX  XXXX I spoke to a XXXX Id number XXXX and he assured me that no-one has tried to apply for a credit card with my social so when I call back both credit beau they told me to go to idnetifythefty.gov then when i needed help filling out form I called and they told me that I had to contact you guys. I have not applied for a credit card or loan in almost 2 years I only have 2 credit cards and I still have open accounts from them. I tried to put a fraud protection which I thought I had for 2 years and noticed all these inquires on my report last week I only check my report once a year because its free. I've had a police report when my purse got stolen from my car 4 years ago and I'm not sure if its the same people applying for credit cards under my name thinking they can get approved. XXXX  and XXXX  have over 22 hard inquires that I did not approve of. I just want them to be removed from my account its not fair that I am trying to fix my credit and someone just keeps using it. I will add all the inquires that i did not authorize down below and upload a copy. 
1.XXXX  XXXX XX/XX/XXXX & XX/XX/XXXX 2.XXXX XXXX XXXX/XXXX  XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5.XXXX/XXXX  XX/XX/XXXX & XX/XX/XXXX 6.XXXX XXXX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 7.XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX  XX/XX/XXXX 9.XXXX/XXXX  XXXX  XX/XX/XXXX 10.XXXX  XXXX XX/XX/XXXX AND XX/XX/XXXX 11.XXXX/XXXX XXXX/XXXX  XX/XX/XXXX 12.XXXX XXXX XXXX XX/XX/XXXX 13.XXXX  XXXX XX/XX/XXXX 14.XXXX  XX/XX/XXXX AND XXXX 15.XXXX XXXX  XXXX XX/XX/XXXX 16.XXXX  XXXX XXXX  XX/XX/XXXX AND XX/XX/XXXX 17.XXXX/XXXX XXXX XX/XX/XXXX 18.XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 19.XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 20.XXXX XXXX XX/XX/XXXX XX/XX/XXXX SOME OF THESE INQUIRE ARE MULIPLE TIMES
Consumer complaint received 2022-01-21
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint as the XXXX credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XXXX XXXX, 2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX. I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my XXXX credit report.
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC (GA)

XX/XX/XXXX Fidelity Creditors SVC is reporting on my credit report XXXX which is not correct ( inaccurate reporting of the information ). XXXX ( reporting twice on my credit report ) They have not made contact with me about this debt in writing, no phone calls, and have not verified according to FCRA the debt is mine. 

When conducting online research this is a third-party collection agency. Please have them provide the debt is my debt by providing a contract signed by myself to do business with this company or whomever they are collecting on behalf. 

XXXX Procedure in case of disputed accuracy 15 U.S.C. 1681 paragraph 6 B iii Reinvestigation was conducted by XXXX and XXXX they violated the request without providing any information that proved this was my account. They further updated the XXXX XX/XX/XXXX. No proof of this account belonging to me was given within 15 days. 

I want this collection agency to provide all necessary documents which verify this is my account. I would like to see a contract, an address, a telephone, or some form of documentation that shows this is my account. 

A legal address for the company. I do plan to press the issue further this year with a lawsuit. This company has had 60 days to verify and show proof. I have not received any information.
Consumer complaint received 2021-08-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I asked Pennymac for a loan modification. They denied me and then sent me a letter stating that i needed to pay and additional XXXX dollars on top of the XXXX i already pay. They said if i dont agree, they will start the foreclosure process. I only take home XXXX a month. I have no idea where this is coming from. I sent them 2 pay stubs and 1 one them had a large commission amount on it, which i used to pay off all of my CCrds. I was in forbearance last year due to covid. They must think that the commission i received was part of my normal salary. i need help. I dont know what to do.