davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: HSBC NORTH AMERICA HOLDINGS INC. (UT)

SinceXX/XX/2018I have been attempting to gain online access to my HSBCcredit card account, a service that HSBC purports to provide all of its credit account owners. Each time, I am told that a ticket is opened and being escalated to IT and that I should receive a follow up call the following day. The return call never comes and when I call back to follow up I have to start all over as if a ticket was never opened with IT to begin with. This exact situation has occurred at least 3 times since XXXX with no resolution to date. 

I believe that HSBC is acting unfairly towards me as they are not granting me the same access to my account as other customers. Because I am unable to access my account online I must do all transactions over the phone and there are some such as setting up autopay which can only be done online or via regular mail. 

Furthermore HSBC continues to provide misinformation to me each time they claim to have opened an IT ticket to resolve the issue. 

I have tried in earnest to resolve this issue directly with HSBC to no avail for nearly 6 months which leaves me no choice but to escalate my complaints to the Consumer Financial Protection Bureau.
Consumer complaint received 2019-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (TX)

I HAVE TRIED 3 TIMES TO GET THIS COMPANY TO PROVIDE ANY PROOF THAT I OWE THIS DEBT. IT SHOWED UP ON MY CREDIT REPORT AND I HAVE NEVER RECEIVED PAPERWORK FROM THIS COMPANY. I TRIED TO CONTACT THEM AND I GET THE RUN AROUND. I HAD AN ACCIDENT OVER 4 YEARS AGO AND WITH THE SETTLEMENT WITH THE INSURANCE COMPANY, I WAS TOLD BY ALL OF THE HOSPITALS AND DOCTORS BILLING DEPARTMENT THAT I HAVE HAD EVERYTHING SETTLED. THAT WAS THE LAST TIME I WAS EVER SICK. 

THEY HAVE PLACE TWO COLLECTION ACCOUNTS ON MY CREDIT REPORT, WHICH DESTROYED MY CREDIT SCORE AND I'M IN THE MIDDLE OF PURCHASING A HOME, THEIR RESPONSE TO ME, WHEN I CALL THEM : JUST PAY THE BILL!
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A  ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have contacted all three credit reporting agency and was told that the information was verified. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 )  ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & amp ; 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 

I WAS TOLD BY THE XXXX XXXX XXXX XXXX Federal Building and United States Courthouse XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Telephone : ( XXXX ) XXXX said that they do NOT provide information to the credit bureaus. so the information could not have been verified.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc. (FL)

I mailed a letter to Advanced Resolution Services ( ARS ) on XX/XX/2021 via certified mail and they received it on XX/XX/2021. I disputed the method they used to verify this alleged bankruptcy because they stated they verified this information with a third party agency called XXXX XXXX XXXX. They did not respond to my letter. 

Per the FCRA they have failed to legally verify this alleged bankruptcy. Section 609 of the FCRA states that you MUST verify with the original furnisher of this alleged bankruptcy. This information would need to be verified with The United States Bankruptcy XXXX XXXX XXXX of Florida. 

I received a letter from The United States Bankruptcy XXXX XXXX XXXX of Florida which sates they do NOT report any information to third party agencies such as XXXX or ARS.This alleged bankruptcy needs to be deleted from my consumer file as it is NOT verified. 

I reserve the right to sue ARS for violation of my consumer rights as specified under both the FDCPA and the FCRA.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Personal information NAME Wrong names associated with my credit report ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX GENERATIONAL IDENTIFIER Address never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Never worked at XXXX XXXX CENTS ONLY
Consumer complaint received 2022-08-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Spoke to Experian Fraud Department and ask if they received my documentation that was sent on XXXX XXXX and received in the office on XXXX XXXX at XXXX XXXX They stated they have no record of the documents. The late payments are a violation of my rights according to the FCRA. Credit bureaus must send you a notification before they put an item on your credit report. I have not received any notification for any of the negative items that are currently reporting on my credit profile.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have contacted the Equifax, XXXX, XXXX, and XXXX XXXX XXXX. 
Nothing has been done or verified. Per the terms of XXXX XXXX discharge if your college violated state laws and have used illegal or deceptive tactics to convince students to take out loans and attend. You wont have to pay back your student loans. The FTCs complaint charged that XXXX misled consumers in violation of the FTC Act by claiming that 90 percent of graduates actively seeking employment landed jobs in their field within six months of graduation. Advertisements making these claims appeared on television and radio, as well as online and in print and other media. 

The complaint further alleges that XXXX misled students by claiming that graduates with bachelors degrees, on average, had 15 percent higher incomes one year after graduation than the graduates with bachelors degrees from all other colleges or universities. 

The proposed federal court order requires XXXX to notify the students who will receive debt relief, and to inform the credit bureaus and collection agencies of the debt forgiveness. All loan and debt forgiveness will occur automatically. XXXX will also release transcripts and diplomas previously withheld from students because of outstanding debt and will cooperate with future requests for diplomas and transcripts and related enrollment or graduation information. 

The settlement also includes provisions designed to prevent XXXX from misleading consumers in the future. Among other things, it prohibits XXXX from misrepresenting the likelihood that graduates will get a job as a result of their degree. It specifically prohibits XXXX from including jobs students obtained more than six months before graduating whenever XXXX advertises its graduates success in finding jobs near graduation. The settlement also prohibits XXXX from misrepresenting the compensation or compensation ranges that students or graduates have received or can be expected to receive. XXXX University Agrees to {$100.00} XXXX Settlement with FTC. 

IT IS THE JOB OF CREDIT REPORTING AGENCY According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2023-03-02
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: American Cycle Finance, Inc. (TX)

American cycle finance inc agreed in their privacy agreement that they would not report my nonpublic personal information to any non affiliates which are also Third parties, my XXXX consumer report show that American Cycle Finance Inc is reporting my non public personal information which is also breach of contracts.

American Cycle Finance Inc is also infringing on my rights to privacy pursuant to the privacy of act of 1974 5 u.s.c 552a & 20 CFR 401.25 which states the term " record '' means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education financial transactions, medical history and criminal or employment history and that contains his name, or the identify number symbol, or other identifying particular assigned to the individual, such as a finger print or voice print or a photograph ; The Gramm-Leach Bliley-Act states I have a right to not have my nonpublic personal information shared especially resulting from transactions such as payment history ( late payments ) pursuant to 15 U.S.C 6809 ( 4 ) ( A ), 16 CFR 313.3 & 16 CFR 313.7 American Cycle Finance Inc has cause me financial injuries making hard me to obtain credit for personal family and household use ruined my reputation & character.
Consumer complaint received 2019-04-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KEYCORP (NY)

Key Bank has been sending me Commercial Loan Statements and Demands For Payment regarding loan # XXXX, amount {$4600.00}. I have several times asked Key Bank representatives for a history of this loan, for all supporting documents, including all statements and payment records, and I have received no documents.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On the XXXX of XXXX I contacted TransUnion via certified mail requesting a prompt deletion of unauthorized inquiries filed on my credit profile on the XXXX of XXXX I spoke with XXXX a supervisor and explain to her that I did not initiate the increase and spoke with the creditors and ask them to provide proof that I initiated the said inquiries at which time I was told that they will not be be removed unless I provide a police report or something from the creditors I have been in contact with the creditors but they have not reply or comply with my request for removals or a letter of removal XXXX told me it was my burden to prove that these said inquiries were inaccurate. When the you dipute item on your credit profile the cra has the duty to do a reasonable investigation and correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your disputes there are in violation of section 15. 1681.i of the fcra
Consumer complaint received 2019-04-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Machol & Johannes, LLC (WA)

Machol & Johannes : On XX/XX/2018 they froze {$320.00} from my bank account. I called them and said there was a court order against me. Said I owed $ $ from a judgement. ( I didnt receive paperwork they were trying to collect ) and my check would be garnished. On XX/XX/XXXX the paper work was finally filed but I didnt receive it until XX/XX/XXXX. Paperwork said I owed {$1500.00} When I called them they said I owed {$1400.00} and couldnt explain the difference. I asked about the {$320.00} and they said the bank hadnt sent it to them yet. I called the bank. They said they never received paper work to release and had actually called Machol & Johannes about it but never received a reply. Then my pay check was garnished. They took an additional {$1000.00} out. Then the garnishments stopped. I assumed I was paid up .... I called today to find out why I havent had a receipt and they said I owe {$1600.00}. Theyre still waiting to be paid from the garnishment. I asked why it went up and she said court costs and garnishment costs. I asked for paperwork showing a ledger. They are not providing me with documentation. And continue to change what I owe without showing why. You also cant get a hold of them with the number in the paper work. It just hangs up.
Consumer complaint received 2019-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (TX)

I paid {$1000.00} towards my auto loan on XX/XX/XXXX. I then contacted TD Auto Finance on XX/XX/XXXX to make certain this would not affect my next scheduled Auto draft payment on XX/XX/XXXX. I was told by the representative that because I had overpaid, the next payment would not draft as scheduled. I then requested that the extra amount I had paid on XX/XX/XXXX be applied to principal so that the payment of {$400.00} due on XX/XX/XXXX would draft as scheduled, and the representative said he would take care of that. My payment never drafted, and upon calling the automated system it also appears that my extra payment was never applied to the principal. This is also in addition to all of my contact information being entered incorrectly when I opened the account. I had called in XX/XX/XXXX because I had not received a statement since XX/XX/XXXX, and found out all of my contact information was incorrect, and that I had been in arrears with no knowledge.
Consumer complaint received 2019-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

Navient was my previous loan servicer and they misinformed me about my eligibility for the Public Service Loan Forgiveness program. I was told in 2013 that I was in an income based repayment plan and discovered via a XXXX XXXX XXXXXXXX article that discussed similar complaints. I tried to address this issue which transfered my loans to a new servicer, XXXX which was also not helpful in fixing my problem. I need all recordings and documentation from Navient in order to support my case that my payments should have qualified under the PSLF program. I called Navient today and they will not release my recordings without a subpoena which is beyond my means to get. Please assist.
Consumer complaint received 2019-04-03
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. (GA)

I SUBMITTED A REQUEST TO REMOVE BANKRUPTCY INFORMATION THAT IS INCORRECT ON MY CREDIT REPORT. I DID NOT FILE BANKRUPTCY, A LETTER WAS SENT SAYING THAT THE INFORMATION WAS VERIFIED BUT THERE WAS NO PROOF THAT THE INFORMATION HAD BEEN CHECKED AN VERIFIED.
Consumer complaint received 2019-04-03
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. (GA)

I SUBMITTED A REQUEST TO REMOVE BANKRUPTCY INFORMATION THAT IS INCORRECT ON MY CREDIT REPORT. I DID NOT FILE BANKRUPTCY, A LETTER WAS SENT SAYING THAT THE INFORMATION WAS VERIFIED BUT THERE WAS NO PROOF THAT THE INFORMATION HAD BEEN CHECKED AN VERIFIED.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (FL)

Hello, I was recently subjected to an elaborate fraud/scam scheme via XXXX. I attempted to purchase several items on XXXX and was instructed to use XXXX to pay for my items. I sent via XXXX to {$1500.00} to XXXX XXXX " Account XXXX '' @ XXXX of a Sports Card Trading Company on XX/XX/2022 for the purchase. Then, I was instructed to pay an additional {$1000.00} to a second account manager via XXXX, to XXXX XXXX @ XXXX. Upon completion on my second money transfer, I was instructed to pay {$1700.00} in custom fees for the items to clear the boarder. I sent this payment to XXXX XXXX and they requested a different XXXX account, this time XXXX. Overall, I sent a total of {$4200.00} for the transaction. The whole time the scammers were using a fake XXXX tracking website and fake tracking numbers to spoof me into believing my order was on its way. They also provided fake pictures of the items being boxed and fake shipping labels. This elaborate hoax was totally fraudulent and I attempted to reach out to US Bank under the terms of U.S. Law Regulation E, to protect consumers against fraudulent electronic fund transfers for a return of my funds, however, US Bank has denied my requests. I would like protection under Regulation E to insure US Bank provides a refund for this fraudulent transfer. I can provide any additional information and pictures of conversations with the fraudsters and happy to answer any questions regarding this matter. 

Thank you for your help, XXXX XXXX
Consumer complaint received 2022-08-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

I have tried several times to open an online savings account with CitizensAccess.com, a subsidiary of Citizens Financial Group. The online application keeps getting denied. The account application request last was denied XX/XX/XXXX. I have never been provided a reason for why the account was denied. I believe that I am being unjustifiably denied an account, as I have always had exceptional credit ( XXXX score is currently XXXX ), and I have obtained a copy of my XXXX report and my personal information is correct and there is no negative reported information on it. I escalated the issue within CitizensAccess and spoke to a supervisor on XX/XX/XXXX, but was only told that " the bank has decided to end its relationship with me '', and that there was no further info that could be provided, or anything further that could be done to resolve. I asked what consumer reporting agency they use in order to make sure there are no errors, and the supervisor did not have that info to share. As referenced above, I have always had exceptional credit ( XXXX score is currently XXXX ), and I have obtained a copy of my XXXX report and my personal information is correct and there is no negative reported information on it.
Consumer complaint received 2022-08-18
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. (NC)

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

XXXX XXXX XXXX Account number 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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.C. 1681s-2 ( A ) ( 1 ) 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 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

Hello, When I paid my XXXX 's account balance I believed I was paying it in full. Somehow {$2.00} worth of interest reported late. This late payment for {$2.00} of interest that was not shown when I made my payment dropped my credit score over 100 points. I am currently trying to get a new car and this is effecting my interest rate. Can you all please have this removed from my report? 

Account Number : XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX