davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

This complaint is related to the difficulty in obtaining a deferral agreement or modification agreement from XXXX XXXX XXXX XXXX and HSBC. I am in the process of refinancing with a new mortgage lender to avail of a lower rate. Everything was going well until I came across this problem with obtaining this specific document. I have contacted XXXX multiple times since early XX/XX/XXXX. I was told to contact my former Mortgage lender Beneficial ( an entity of HSBC ) who originally issued this deferral. Beneficial sold my account to XXXX in XXXX. I have contacted HSBC in hopes that they will be able to provide me this document, but to no avail. Both lenders denied that they have this document. Meanwhile, this back and forth process with these two companies, XXXX and HSBC, caused my refinance to be put on a halt. As a result, I may lose my chance for a better rate. I am hoping that with your help I will get a much faster response and a positive outcome. Thanks.
Consumer complaint received 2019-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (FL)

XX/XX/2019 I have an open dispute claim XXXX and reference XXXX regarding two transactions XX/XX/19 XXXX*XXXX XXXXXXXX Visa XXXX US Posted on XX/XX/2019 at XXXX Memo : Debit : Signature purchase from XXXX XXXX*XXXX XXXX Visa XXXX US  {$490.00} XX/XX/XXXX XXXX*XXXX  XXXX Visa XXXX US Posted on XX/XX/2019 at XXXX Memo : Debit : Signature purchase from XXXX XXXX*XXXX XXXX Visa XXXX  Us {$490.00} My account has been compromised and these are unauthorized fraudulent charges. I have contacted the company Zelle case XXXX and there were able to verify that these charges were not initiated by me or from my account. All of the transaction details will be provided to my financial institution. I have mobile alerts set up and received no notice about these transactions. I have since deactivated any association with Zelle and cancelled my card.
Consumer complaint received 2022-04-12
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. (IL)

I sent letters in XXXX, XX/XX/XXXX XXXX XXXX asking them to verify these bankruptcy accounts, they have sent letters saying the bankruptcies were verified by XXXX XXXX which is false because XXXX XXXX do not have these bankruptcies list on my report. I provided letters from XXXX stating these were removed in XXXX of XXXX because they could not verify that these belonged to me. Experian, XXXX and XXXX are continuing to report false information on my report which is hindering me from buying a home and getting the credit I need to better my life. I have sent in letter from the courthouse several times stating the information is indeed not being verified by them.. A rep from XXXX even told me I need a lawyer to sign the letter from the courthouse! XXXX have disputed the information in my behalf from the credit bureaus telling them they are not reporting this information but yet all the CBA are falling saying XXXX are verifying these accounts. Ive called several times and asked them to remove them from my report and the lie and say they are being verified, even after they see the letters I sent! I want these bankruptcies removed from my credit report.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 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 2024-01-10
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

On XX/XX/2023 I disconnected service with XXXX  ( my phone number XXXX ). On XX/XX/2023 XXXX charged on my credit card for {$150.00}. They subsequently owed me {$110.00} in prorated amount due to my disconnection of the service. I received multiple statements in the mail from XXXX  stating I was owed a credit of {$110.00}. I made XXXX phone calls between XX/XX/XXXX, XXXX XXXX, XXXX inquiring about when I would be receiving the refund. I was told numerous times that the money would be refunded to my original payment method which was my credit card. Despite my XXXX attempts to receive my refund, they never refunded my money. I then filed a dispute with XXXX ( my credit card company ) for a partial refund of {$110.00} of the {$150.00} I paid to attempt to get my money back. XXXX  then immediately sent me to collections, I received a bill from Transworld Systems Inc saying I owe {$45.00}.
Consumer complaint received 2023-06-29
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: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management , LLC shared my nonpublic personal information to credit reporting agencies ( XXXX, XXXX, Transition ) without my permission and shared that I owe debts with them without verifying with me I owe those bogus alleged debts.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I sent letters in XXXX, XX/XX/XXXX XXXX XXXX asking them to verify these bankruptcy accounts, they have sent letters saying the bankruptcies were verified by XXXX XXXX which is false because XXXX XXXX do not have these bankruptcies list on my report. I provided letters from XXXX stating these were removed in XXXX of XXXX because they could not verify that these belonged to me. Experian, XXXX and XXXX are continuing to report false information on my report which is hindering me from buying a home and getting the credit I need to better my life. I have sent in letter from the courthouse several times stating the information is indeed not being verified by them.. A rep from XXXX even told me I need a lawyer to sign the letter from the courthouse! XXXX have disputed the information in my behalf from the credit bureaus telling them they are not reporting this information but yet all the CBA are falling saying XXXX are verifying these accounts. Ive called several times and asked them to remove them from my report and the lie and say they are being verified, even after they see the letters I sent! I want these bankruptcies removed from my credit report.
Consumer complaint received 2020-12-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent letters in XXXX, XX/XX/XXXX XXXX XXXX asking them to verify these bankruptcy accounts, they have sent letters saying the bankruptcies were verified by XXXX XXXX which is false because XXXX XXXX do not have these bankruptcies list on my report. I provided letters from XXXX stating these were removed in XXXX of XXXX because they could not verify that these belonged to me. XXXX, transunion and XXXX are continuing to report false information on my report which is hindering me from buying a home and getting the credit I need to better my life. I have sent in letter from the courthouse several times stating the information is indeed not being verified by them.. A rep from transunion even told me I need a lawyer to sign the letter from the courthouse! XXXX have disputed the information in my behalf from the credit bureaus telling them they are not reporting this information but yet all the CBA are falling saying XXXX are verifying these accounts. Ive called several times and asked them to remove them from my report and the lie and say they are being verified, even after they see the letters I sent! I want these bankruptcies removed from my credit report.
Consumer complaint received 2017-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

Hi ... I have been receiving notices and excessive amount of phone calls regarding the debt I already paid for 4 years ago. I did a XXXX procedure with no insurance and as been a cash customer I have given a discount of {$1000.00}, I have a invoice showing the discount and have sent them to the respective companies requesting for that same payment. My account was paid in full in 2014. I really do not understand why this amount has gone to the collections department when I have sent various letters and the invoice to show them that it was a DISCOUNT given by the branch I was been seen at. 

Despite providing everything I still receive phone calls daily and notices regarding the amount. Please help me to solve this ASAP.
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MO)

Hey my name is XXXX XXXX XXXX and this has happened to me again. PayPal you keep banning my account last time it was a XXXX  I got banned for using now what is it please just reinstate my account please and leave me stuff alone. By the way The account is under XXXX XXXX
Consumer complaint received 2022-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

My mortgage was transferred from XXXX to LoanCare. In the process, I started making payments twice per month : one " push '' that was sent from XXXX to LoanCare and XXXX " pull '' that was drawn by LoanCare from XXXX. It took me a while to discover it, and I requested a refund from LoanCare in XXXX for 10 payment periods. I supplied LoanCare the evidence of overpayments that they requested, and then they rejected the evidence without telling me. When I called back ( several weeks later ) to find out the status of my refund, they said that they needed different evidence -- more paperwork. I did the paperwork, and then they approved the refund. Then they claimed that they sent the refund of 10 checks overnight, but I did not receive them. Then I called back again, and they said they could not figure out where the checks went. They said that they were going to have to investigate it prior to sending me the refund -- which is a process that will take over a week -- another week that they're holding onto my money.
Consumer complaint received 2021-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

On XX/XX/21 XXXX XXXX called in regards to XXXX on behalf of HSBC XXXX XXXX. The number they called was XXXX and stated they were attempting to collect a debt on behalf of the HSBC XXXX XXXX. I told them I do not owe anything to HSBC this has been resolved years ago and this was over ten years old and this was fraudulent. The person hung up on me after I stated over and over on an allegedly recorded line this was a fraud. This is my third complaint regarding a company having some of my personal information and stating they are calling for HSBC XXXX XXXX.
Consumer complaint received 2022-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (LA)

My home was damaged during Hurricane IDA. I begin repairing my home before receiving any thing from the insurance company using my personal savings and a SBA loan. I have {$90000.00} from my insurance company sitting in escrow with Flagstar Bank. They are non communicative. They are non responsive and they are making a bad situation worst. My house is 75 % completed and they wont send an inspector. They have been more disrespectful than Hurricane IDa. There is never a supervisor to speak with. I was disconnected 3 times today and no one attempted to call me back
Consumer complaint received 2022-04-12
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. (IL)

I sent letters in XXXX, XX/XX/XXXX XXXX XXXX asking them to verify these bankruptcy accounts, they have sent letters saying the bankruptcies were verified by XXXX XXXX which is false because XXXX XXXX do not have these bankruptcies list on my report. I provided letters from XXXX stating these were removed in XXXX of XXXX because they could not verify that these belonged to me. XXXX, XXXX and Equifax are continuing to report false information on my report which is hindering me from buying a home and getting the credit I need to better my life. I have sent in letter from the courthouse several times stating the information is indeed not being verified by them.. A rep from XXXX even told me I need a lawyer to sign the letter from the courthouse! XXXX have disputed the information in my behalf from the credit bureaus telling them they are not reporting this information but yet all the CBA are falling saying XXXX are verifying these accounts. Ive called several times and asked them to remove them from my report and the lie and say they are being verified, even after they see the letters I sent! I want these bankruptcies removed from my credit report.
Consumer complaint received 2022-04-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NC)

During my consumer credit transaction at the dealership. The said dealer who represent Honda financial services as the creditor violated the XXXX XXXX XXXX Truth lending act. That same creditor in return charge me the consumer a CASH transaction of {$2000.00}, While the said creditor did NOT to show In clarity a Truth in lending Disclosure which consist of all interest, fees, and insurance premiums, transaction. 
The creditor supported a contract charging me the consumer other additional fees, dealer fees, document fees, and I the consumer pays insurance each month which should be in the consumer finance charge. 

The contract Furnished by the Creditor to the consumer pertains several unreadable and clarity in the the consumer credit transaction. 

multiple violations listed have been brought to the creditor to be resolved which the said creditor refused to solve this matter
Consumer complaint received 2022-04-12
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: JPMORGAN CHASE & CO. (FL)

Each dispute I requested original application agreement on several attempts no documents have been provided and based on Fair Credit Report it should be completely removed from credit report it original agreement can not be provided. Thank You
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have made contact with this bureau and requested a fraud alert on my report also I requested to dispute unauthorized fraudulent accounts and inquiries there was another social security number also being reported under my name. I contacted Experian and instead of removing the fraudulent accounts they merged them under my social security number they stated they would properly investigate instead they are pinning these accounts on me.
Consumer complaint received 2022-04-12
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)

In accordance with The Fair Credit Reporter Act XXXX account XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 8 states I have the right to privacy.

15 U.S.C. 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2022-04-12
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. (TX)

After many attempts to resolve these issues directly with TransUnion to no avail, I have no other choice, but to file a formal complaint against them for their multiple violations of the FCRA and my consumer rights. Please review the issues at hand outlined below : 1. TransUnion has consistently over the past several months pre-maturely deleted positive credit tradelines from my credit report reducing my credit score and minimizing my credit history to only 2 years which adversely affects my ability to borrow and/or build credit XXXX XXXXXXXX XXXX XXXX. While I understand that accounts can be removed after 10 years, many of these accounts were only 5-6 years old. 

2. There are multiple accounts that are reporting an incorrect last payment date which causes the negative accounts to report longer than 7 years which is allotted by law. Specifically, XXXX XXXX XXXX, which is reporting a last payment date of XX/XX/2018, 4 months after the vehicle was returned and the account was permanently closed. No such payment was made. TransUnion kept this stance for accounts that were included in bankruptcy, making the last payment date on every single account the date the bankruptcy was filed when many of those accounts received their last payment 2 years prior to the filing. This caused those accounts to report 2 years longer than they should have. 

3. There are closed and paid in full accounts that have a current pay status of " Account 120 days past due ''. XXXX XXXX XXXX {$40000.00} loan that is at a XXXX balance and has been since I sold the home it was attached to in XX/XX/2018, continues to report a status that just isn't possible. While the first mortgage with the same lender reports " Paid ; closed ''. This gives the impression to other creditors that I have a mortgage that is currently 120 days past due. I do not. XXXX XXXX states that they are NOT reporting the account this way and XXXX is reporting this on their own accord. Despite their efforts to correct this and mine, I am still being asked to send in additional documentation. This account has been in violation for YEARS. I am done sending in additional documentation especially when you could not ever be 120 days past due on an account that is closed and paid off.
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (TX)

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2023-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (LA)

I sent a stamped envelope for their convenience along with the payment that was owed. It has been more than a month later, and I have not received a receipt and it is still affecting my credit. The money order has been cashed, and I do still have the receipt for the money and proof it was cashed more than a month ago.
Consumer complaint received 2018-12-21
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: EQUIFAX, INC. (OH)

I have sent seperate 2 certified letters of demand to all three credit reporting agency asking to provide me with validation that the charge off accounts that they are reporting does belong to me. Upon receiving my first certified letters requesting validation, all three agency responded back saying that they have validated the debt as belonging to me, but they never provided me with proof of their validation. I then sent out a second set of certified letters, again to all three reporting agencies asking for proof of validation. Again, i was only told that the debt was validated as belonging to me. Again, no proof was provided. I asked for signed contracts, but they are unable to provide me with any proof. The charge off account still remains on 3 reports. 

The accounts that I need validation for are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Provided are the delivery confirmation for the certified letters that was sent to the reporting agencies : XXXX  : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) Equifax : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX XXXX XXXX XXXX XXXX ( sen6 XX/XX/18 ) I would like these account DELETED from my report or the debt validated as mine and proof sent to me