davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
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 — Problem with personal statement of dispute
Company: T.S. Holdings (MN)

Hello, On XX/XX/2020 I rented the apartment at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX the move in was XX/XX/2020. XXXX XXXX XXXX with a XXXX  year contract. On the day of the walk in before I move in a man representing the apartment show me the apartment. He told me to write down everything I see wrong with the Apartment. XXXX XXXX form to mark what was wrong ( he never explained what I should do with it ) so I did and left it in the counter top thinking he will pick it up. They never stopped to pick it up. I forgot about it. I had to call maintenance a couple of times. XXXX time was on the middle of winter the hold apartment had electricity except for my apartment. The maintenance man told me that someone move the brake for my apartment. The XXXX time the dryer was not drying well so they said the lines for dryer was full of lint and they had to come back and cleaned from the roof. The XXXX time XXXX of the bathroom was leaking water from the roof. So as you see in there pictures the window had XXXX. The charges are for some carpet that was already damaged when I move in, the cleaning charges they are collecting is for the closet where the washer and dryer are in. Explain to management that I didnt clean there because I had to remove the door closets door and move the appliances. For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or had the tools to remove the door. The manager told me that the charges stay. When I called the office to make sure that I had to give my 60 day notice the same man that did the walk in told me I need to wait until the end of the month. To give my 60 day notice. After I move out I cleaned the apartment and the same man came to do the walk and check the apartment he made me sing the document and told me I need it to wait until the inspection is done and they will send me the summary. Well XXXX weeks when pass and I call the office XXXX XXXX told me he just sent the disclosures. Attached yo can see the change and I send a email advising them I dont agree with the charges and asked for a disclosure of the bill. I will include all the emails and pictures they sent me. I late search them on XXXX for there reviews and sorpraising other people had the same complaint like my. I keep sending emails to the main office and the same XXXX email me back stating charges will stay. I have all the supporting documents including emails. Also theyre reporting this on my daughter credit report.
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am disputing and requesting the removal of inaccurate information from my credit report. Upon contacting the bank, I was informed of a possible system glitch causing misreporting, with no records available. They assured me they are rectifying this and will update my account accurately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WI)

Please Review court notes here- XXXX XXXX XXXX XXXX=XXXX  XXXX XXXX XXXX XXXX   I was notified of this debt sometime last year or the year before. I have been continually disputing it as I have no reccolection of the debt what so ever. I tried to contact the company LVNV funding numerous times via email - and I have the documentation to prove it via email. They claim that I owe money for a credit card debt to XXXX XXXX XXXX. XXXX XXXX XXXX  is still sending me mailings all the the time to accept their credit card offers. I have asked them to stop over and over again. 

They took me to court our first hearing was XX/XX/2021 - where the judge had let them know that they needed to send me paperwork. I have called and left several messages and emailed their office - with no response. 

Today we had court again - they have not proven the debt and had failed to send me any documentation in the last 30 days - I requested to the judge that it be dismissed and he said " that is not going to happen today '' - I am not sure why this is not in the court notes. 

Under the Fair Debt Collection Practices Act ( FDCPA ) - a collector only has 30 days to send paperwork - if they fail to do so then they can not collect any futher. 

Today the judge gave them 30 more days. After I requested it to be dismissed, which are against my rights. 


This is the information to the law office trying to collect the debt for LVNV funding. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA, XXXX, MN XXXX XXXX
Consumer complaint received 2019-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Company : HSBC I responded to mail promotion from HSBC ( copy attached ) promising a {$370.00} welcome deposit for opening a checking account, depositing {$10000.00} in the first 30 days, and maintaining that amount for 90 days. The mailing promised that I would automatically receive the welcome deposit approximately 8 weeks after the 90-day period. 

Timeline : - XX/XX/2019 : Account opened and funded with {$10000.00}. 
- XX/XX/2019 : 90-day period elapses ( balance throughout this period = {$10000.00} ). 
- XX/XX/2019 : This is now 8 weeks after XX/XX/2019 so I expect to receive the {$370.00} welcome deposit shortly. 
- XX/XX/2019 : I first try to contact HSBC at XXXX but am on hold for over 20 minutes  and hang up. 
- XX/XX/2019 : I again call HSBC and speak with someone who confirms I have met the offer conditions and says she will get back to me within 48 hours to advise on when I will receive the {$370.00} welcome deposit - XX/XX/2019 : There has been no follow up from HSBC so I call again and speak with a different person who explains that he will need to submit another inquiry with the marketing team and will call me back no later than the following Monday ( XX/XX/2019 ).  Since the person I am speaking with says he has no authority to resolve my issue, I ask to speak with a manager or directly with someone from the marketing team, but am told that is not possible. 
- XX/XX/2019 : Six days later, there has been no follow up from HSBC so I call again. Again I am told that the person I am speaking has no authority to resolve my issue and they will need to submit another inquiry with the marketing team. They can not provide any timeframe for when to expect the issue to be resolved so I tell them that I have not received the welcome deposit I am owed within two days, I will have to file a complaint with the CFPB and the California banking regulator. 
- XX/XX/2019 : I have still not received the funds I am owed or any follow up from HSBC so I am submitting this complaint. 

There are numerous other complaints on the CFPB website regarding similar facts so clearly HSBC is engaging in a pattern of behavior -- promising welcome bonuses for opening accounts and then failing to carry through with their promises. In my case, the bank has had ample notice of the issue and time to respond. Their ongoing failure to correct the error amounts to an intentional act to harm a US consumer.
Consumer complaint received 2021-06-10
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. (TX)

I called Experian asking them to delete the inquires that I did not do but listed on my credit report. They said that they don't dispute inquires. This is not fair because I am a victim of identity theft and the credit bureau have to report this that I have done not fraud. Please delete the information that us on the attached identity theft report.
Consumer complaint received 2019-07-27
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. (OH)

Information on my Credit Report has been remove, and then they put it back onto the credit report. I have sent over proof of letters from the creditor itself, to remove the fraudulent accounts, along with police report, and identity theft letter. But XXXX, XXXX XXXX, and Equifax all totally ignore both police, and letters from the credit as my proof. I can't afford a attorney at this time. 

Old information reappears on report, and then put back on again.

Incorrect personal information ( Address, etc ) that should not be on the report
Consumer complaint received 2019-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX I had my air conditioning ducts replaced and financed the project with Wells Fargo. There was a promotional financing promotion, no interest if balance paid before expiration of special financing term. I had a second project with the same vendor for the installation of a faulty thermostat - also with the promotional financing. 

I made timely payments every month and was set to pay the entire balance prior to the special financing expiration date, which I believed to be XX/XX/XXXX. 

When making my payment this month, I noticed the balance had increased by about {$950.00} dollars. I looked at my statement and saw a charge for interest. I looked again at my statement and it looks like both special terms where set to end in XX/XX/XXXX or XX/XX/XXXX. The print is so small and unclear, that apparently the XX/XX/XXXX due date was actually XX/XX/XXXX. 

I contacted the bank and advised that I was planning on paying the entire balance, requesting they reverse the {$950.00} in interest in light of the fact the it had not even been 30 days since the promotional financing expired. 

They refused. The font on the statement is so small and the numbers and dates look exactly the same. 

Considering I made all my payments timely and paid more than the minimum due, and was offering to pay the entire balance immediately, to charge {$950.00} dollars in interest is outrageous.
Consumer complaint received 2022-10-06
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has detrimentally affected me and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A States I have the rights to privacy. 

15 U.S.C 1681 section 604 A section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-02-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (AL)

I took out a payday loan with XXXX XXXX XXXX online back in maybe XX/XX/XXXX and I can't remember the exact amount. I paid the loan payment twice a month up until I hit harder financial times and then I stopped. Then back in XX/XX/XXXX a debt collector contacted me told me that a warrant had been issued for my arrest but I could settle the debt for {$270.00} which I paid. I then received a letter saying the account was settled and closed. Then in XX/XX/XXXX I received another call and I really didn't think about it until later but it was a debt collector for XXXX saying that I was due to be served court papers unless I paid {$120.00}. Again I paid and received another payoff letter. Then a couple weeks letter I get another call from another collector for the same company XXXX XXXX. I spoke with them and told them that I had already taken care of this matter. Then just this week I received 2 more calls so I emailed the company. I haven't received any more calls since the email. This company is a ripoff if you borrow {$400.00} you may end up paying {$1600.00} or more. My personal experience I will not use this company or any payday loan company ever again.
Consumer complaint received 2018-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CT)

This debt was disputed and asked to be validated by collection agency. On XX/XX/18 a letter was mailed to my address stating the dispute investigation was completed and that the debt was valid. They attached which was suppose to be verification of the debt. It turned out to be only a bill owed in the amount of XXXX
Consumer complaint received 2019-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

XXXX has been reported on my credit report as a collections account when I never applied for credit nor have any type of contract with XXXX. Ive asked XXXX to clear the information up with the credit report bureau and nothing has been done.
Consumer complaint received 2019-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NC)

I open a checking account on the XXXX of XXXX with chase bank in XXXX XXXX California. 
I go and try to check my information on my checking account to get a message to call a number i called that number and they say that the are closing done my account.

Also i seen that so one was using my identity at Chase Bank. And chase been one of the banks who had a breach before you will think that they would ask for that person identity.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

The Bank of America # XXXX listed on my credit report is reporting inaccurately. 

This item has been re-aged. According to the FCRA this item is to be removed by XX/XX/XXXX. See attached print screen of my XXXX report dated XX/XX/XXXX. However on my XXXX  it has been re-aged and now lists with recent 120 day lates on XX/XX/XXXX and XX/XX/XXXX. Attached is also a current print screen of my XXXX report dated XX/XX/XXXX. I've also included a previous XXXX  report that does not show any recent lates.
Consumer complaint received 2021-07-23
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 was told when applying for a mortgage that I had debt on my credit report. I shouldn't, because I don't owe any money. I was told to contact Transunion. I did, and they weren't able to tell me what the debt was allegedly for, except that it was medical. I don't owe any money for medical debt. I haven't been to the doctor since I was a kid. They told me that they contacted the company claiming I owe them money. They said the company told them the debt was accurate. That was the extent of their investigation. I shouldn't have to pay other people 's debt. Someone else 's medical debt shouldn't prevent me from buying my home.
Consumer complaint received 2019-07-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

My name is XXXX XXXX. Portfolio Recovery Associates has placed an alleged collection on my credit reports recently. Account # XXXX. I have no idea who this company is or why they are attempting to collect a debt from me. I have never had an account or done business with them. Furthermore I was never given a notice of this debt nor my right to dispute it. I am asking for validation of debt, and proof of notice being sent to me. If this is a medical debt I'd like to see itemized breakdown of the bill and original charges. And if they provide these documents and Portfolio Recovery is not a medical facility and don't have my written proof to view or have these documents then that has to be a HIPAA violation ... along with FDCPA violation.I have previously mailed the company a cease and desist letter to their corporate offices. I have attached a copy of that letter.
Consumer complaint received 2018-05-23
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: Experian Information Solutions Inc. (MO)

XXXX This is not associated with me and I have been fighting these since I found out. 
Disputed Inquiry : XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

An ex-partner who gained access to my safe, has used discreet information to access information and disrupted the payments on the mortgage account. The account is in my name only, and the property on which the mortgage is liened is in litigation. This 3rd party is accessing the account as me and has performed fraudulent activity at various times. These activities ( telephone records and correspondence ) have been requested by me from the Lienholder, but these requests have not been responded to in over 2 weeks. 
I have attempted to have the lienholder change the account number so this 3rd party can not interrupt the account but, the lienholder states that they can not change the mortgage account number! 

I have no confidence that the actions that the bank has directed me to perform will have any impact ( change account password and ID ), as this does not preclude the 3rd party from accessing information and acting upon the account at a local branch.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-07-26
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. (NY)

I asked Experian Credit Bureau to do a verification on my credit report. They stated everything was accurate on my Experian credit report and upon my own research I've found improper inaccuracies after they did the thorough research. 
The accounts that are inaccurate are XXXX  XXXX ( Account # XXXX ), XXXX  XXXX ( Account # XXXX ). THESE ARE NOT MY ACCOUNTS AT ALL. In accordance with the Fair Credit Reporting Act XXXX  XXXX ( Account # XXXX ) and XXXX  XXXX ( Account # XXXX ) has violated my rights. 
15 U.S.C 1681 section 602 A.States that 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 an account without my written instructions
Consumer complaint received 2020-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (GA)

Faye Servicing bought my loan from XXXX XXXX in XX/XX/2019. I began making payment to Faye Servicing in XX/XX/2019. Faye Servicing does not take electronic payments, the payments are sent by paper check, usps mail. XXXX shows the date my payments are delivered to Faye Services payment address. My payments always arrive prior to the late due date the XXXX of each month. 
Since XXXX it takes Faye Servicing XXXX days to post the payment to my account. I get statements showing my payment is late and or has not been received and constant collection phone calls for a payment they have in their possession. 

I'm told it takes a while to get from their mail room, well that's not my problem that they don't have adequate staff to promptly pass on my payment to the department that cashes the check and the department that cashes the check doesn't update my account that the check has been received and even after it has been cashed by my bank, it still is not updated in their internal system so I keep getting collection calls. 

XXXX payment-check from XXXX delivered on XXXX check # XXXX {$1200.00} was cashed on XXXX per my bank statement. it is now XXXX and I'm being called and told my payment has not been received. 

1. Ongoing and continuous problem every month 2. for XXXX it took 13 days from when they received my payment to cash it 3. 6 days after it has been cashed, I'm being called 2/3 times daily told they have not received my payment. 


4. I do not receive an updated statement after they finally communicate internally and reflect my payments. 


5. I've called in XXXX, XXXX & XXXX about their slow processing of my payments trying to be proactive with no fix.