davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

Hi My name is XXXX XXXX My loan was originally listed as XXXX XXXX XXXX. 

We received a Mortgage from HSBC back in XXXX 2003, after keeping it we fell into hard times and was approved for a loan modification and then the worst thing that could ever happened. The person who approved it after they reviewed our financial records stated that we were all set and that someone who was her boss was going to speak with me. When she turned the phone over to him, he was the worst person I had ever talked to in HSBC at the time and flatly told me that he did n't care who approved me that he was n't and after the conversation left me crying in the rain at XXXX XXXX. I complained and called back because we had met the qualification criteria and received a call from HSBC on the terms and conditions of the loan modification. 
However, because he was having a bad day, it prevented us from getting the necessary assistance needed. I 've called you all on more than one occasion, even when dealing with XXXX I was advised to reach out to someone. This was the case of someone who abused their power to prevent us from saving our home. I may be insignificant to you, but this was our first home and we lost it because someone decided to exhort there authority aggressively. 
When you mistreat people it does tend to hit the company the hardest even when the majority of the company is not responsible for a few people who operated in corruption, but the acts of one person can hurt and this is the same situation. I 've sent letter by mail, and I 'll called via phone on numerous times and no one returned my call. I 'm trying again to reach out to someone that will hear me and have compassion to help us. As this event was unfair and we were mistreated. 
The address at the time is listed below. I have n't given up because this happened years ago, it 's still wrong and should be addressed. 

I look forward to hearing from someone at HSBC. 
Regards
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (SC)

I have never paid this card late in fact I have always paid it early I had no issues with my other payments coming out of my account on this particular date but they tried to draft a twice and canceled my payment then said I owe Late fee I asked them to waive the late fee they sent me an email saying that they couldnt I do not owe them a late fee I see on the account where the payment tried to be processed twice I can show proof I have the funds readily available in my bank account
Consumer complaint received 2021-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners (MA)

XX/XX/21 Amount {$640.00}, Affiliate Asset Solutions , LLC claiming that I have a debt and trying to collect some debt that I have no idea about, and they regularly sending letters. I don't have any debt that is out for collection. Nothing in their letters states who is the creditor, writing XXXX or XXXX doesn't state what are they referring to. No one has time to go around and see what are they trying to do, I think they are scammers and trying to hack our information to cause me damages and I would like this to stop ASAP. They are making me frustrated and I'm very sensitive at heart, It hurts me when they send illegal letters to harass me. 
This must STOP and I like to file a complaint against them of harrsmenet. 

Affiliate Asset Solutions , LLC XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX PH XXXX XXXX XXXX
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Open {$840.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$840.00} High Balance {$840.00} Remarks Account information disputed by consumer, meets FCRA requireme XXXX XXXX XXXX APARTMENTS XXXX XXXX XXXX, XXXX Closed {$1500.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX Original Creditor XXXX XXXX APARTMENTS XXXX Status Closed Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$1500.00} High Balance {$1700.00} Remarks Account information disputed by consumer, meets FCRA I am a victim of identity theft. I have filed a complaint with FTC and has followed all protocol for FTC. I have no knowledge of the accounts that was opened in my name.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX this complaint. 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 2022-02-22
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. (MD)

The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2020
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XX/XX/2019 I submitted request letter for my personal information to be corrected via certified mail with proof of identification and social security card, but they continue to refuse to correct information. I called XX/XX/2019 to address the issue and instead of them correcting information that removed my correct name and information. 

XX/XX/2019 I submitted request letter for my personal information to be corrected via certified mail with proof of identification and social security card, but they continue to refuse to correct information. 

XX/XX/2019 I submitted via certified mail and online dispute about inaccurate personal information and they continue to send copy of full report with no corrections made as well.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Due to some uncontrollable circumstances, I had some late payments with a company that is company represents. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for XXXX XXXX to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.
Consumer complaint received 2016-02-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

In XXXX my husband and I bought our house. Our loan was through XXXX XXXX XXXX and our escrow payment was set to include enough for our homeowner 's insurance. XXXX XXXX XXXX paid those homeowner 's insurance bills for XXXX and XXXX. In XXXX XXXX our loan was sold to Carrington Mortgage, who also raised our payments. Our escrow was supposed to carry over and continue to accrue enough for homeowner 's insurance. I recently was in my account online and saw that it said we had no escrow for our homeowner 's insurance. Come to find out that, for whatever reason, this was not carried over like it should have been. Now I am faced with an almost XXXX dollar homeowner 's insurance bill that is due in a month that I was obviously unprepared for because I thought that my mortgage company would continue to put aside money in escrow for it.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MA)

I tried disputing a 90 Day late charges from Navient for 8 of my loans which started XX/XX/XXXX. 
On XX/XX/XXXX, I contacted Navient via phone to request that I have moved to a different address and that I have never faulted on my student loans which i was never aware that it was starting. On XX/XX/XXXX, I again requested to talk to someone and finally reached someone that told me to write a dispute letter. My payments were never late as I have made payments every month since XX/XX/XXXX and I even sent them documentations proving I was unaware of the loans starting in the attachment below. I have nicely asked Navient to remove the 90+ day late and report them to the credit bureaus to fix all these issues three times and have included multiple times with evidence. They ruined my credit score and I would really like to resolve this.
Consumer complaint received 2022-12-02
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: NAVY FEDERAL CREDIT UNION (FL)

I believe that this inquiry was done fraudulently because I have no knowledge of how this inquiry was made because I've never applied for anything using this Navy Federal Credit Union. I have requested for a fraud alert to be put on my credit report and hopes that this never happens again.
Consumer complaint received 2022-02-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CO)

On XX/XX/2022, I tried to make an international transfer to a friend. 
The transaction has gotten declined, and when I chatted with Moneygram I was informed that the transfer was flagged and my account was under review. 
Fast forward to XX/XX/2022, after unsuccessfully attempting to log into my online Moneygram account, I called customer service and was informed the account was closed and all active transfers were cancelled without any explanation or recourse to remedy the situation. 
I understand that for Trust and Safety reasons, companies aren't able to disclose details of issues, but Moneygram provided no explanations whatsoever and this is unfair and harmful to consumers.
Consumer complaint received 2018-08-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (VA)

I have 4 private loans with Navient. I have asked for evidence that I requested and signed for the loans. I also requested a full investigation with Navient because I believe the school I was attending, XXXX XXXX University, may have fraudulently requested these loans. However, in order to do an investigation, Navient is requesting an identity theft report to be filed with a policy agency. The problem is I am unable to get the XXXX, CA sheriff 's department, where I resided when the loans were executed, to issue a report. The Sheriff 's department needs evidence that the loans may have been requested fraudulently. Which is exactly what I am asking Navient to investigate. This has become a circular cycle. I really need help clarifying the validity of these loans.
Consumer complaint received 2022-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting the account below, my rights were violated : XXXX  XXXX Bankruptcy # XXXX 15 U.S.C. 1681 Section 602 A States I have A right To Privacy 15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2021-06-12
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. (SC)

I've been sending letters to Equifax since XXXX and still haven't received responses on the investigation of these accounts.

3 accounts with no creditor 's listed XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have sent letter after letter to no avail. This is a problem since I'm trying to get in a position to get my 1st home. I just want to make sure everything on my report is accurate.
Consumer complaint received 2019-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/19 I got a refund from XXXX for XXXX.Looking at my account on! XX/XX/19 the amount was XXXX with the XXXX refund the amount was XXXX.Then the next transaction shows Bank of America taking that money out and it goes back to XXXX on XXXX.On! XX/XX/19 Agoda sent a refund of XXXX to my account.Looking at my account it went from XXXX to XXXX then later on! XX/XX/19 it goes fromXXXX to XXXX.I spoke with a specialist on XX/XX/19 to say Bank of America took my refunds.She went over my account and said the money was there according to Bank of America 's accounting practices.
Consumer complaint received 2022-02-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tribal Lending Enterprise, Inc. (NE)

On XX/XX/XXXX I received a 1099-C indicating that Mountain Summit Financial Inc. had written off a debit of {$1000.00} of which I never requested or received. Upon receipt of this form I called Mountain Summit Financial to report this fraud and was provided the following information : When asked why I have never received any statements regarding the opening of this account, request for payment, or the delinquency of alleged loan payments, I was informed that Mountain Summit Financial is an on-line only institution and would have sent emails to the fraudulent email address used in connection with opening this fraudulent account. 
When asked why I am unable to see any credit inquiries on my credit history regarding this fraudulent account, I was informed that Mountain Summit Financial does NOT use the XXXX major credit bureaus when decisioning to provide loans. 
When asked how Mountain Summit Financial performs required verification checks, also known as Know Your Customer or KYC controls as required by federal regulation to ensure it is actually doing business with the correct person, I was told that additional detail could be provided during the fraud investigation. 
Employees provided instructions on how to file a complaint with the Fraud/Compliance department and indicated that additional details regarding how this account was opened would be provided as part of the internal investigation. 

I have requested an amended 1099-C form and although am still in the process of obtaining one, I am concerned by the numerous lack of controls that this financial institution has in place to prevent the perpetration of identity fraud. I have no idea where they individuals received my information ; however, financial institutions should do a better job of protecting all consumers. 

Additional Information : Mountain Summit Financial Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX TIN : XXXX Phone # : XXXX
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (DE)

I have tried unsuccessfully two times on-line to request my free annual credit reports from the three companies. It apparently requires me to download and print the reports online. I try downloading the report, it dumps me out of the system. 
Also, the last credit reports I requested, approximately 3 years ago, received only 2 of the 3 I requested. At that time I got the 2 reports via mail. Why can't I get the reports by mail now? 
I was using the " free credit reports '' website referred by FTC.com
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

According to the fair credit reporting act 15 USC 1681 section 602 states that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, partiality, and a respect for the consumers right to privacy. XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared, which is backed by 15 USC 6801 which states, Its the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers, and to protect the security and confidentiality of those customers non-public personal information. These companies that are listed in the attachments on my report are financial institutions by definition under that title. 15 USC 1681 section 604a section 2 states that In general subject to subsection c, any customer reporting agency may furnish a customer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The financial institutions that are attached and the consumer, reporting agencies, XXXX, Experian, XXXX, do not have my consent to furnish this information, and they surely dont have my written consent. Any and all consent to XXXX, Experian, XXXX whether it be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non-public personal information to a non-affiliated third party unless- the consumer is given an explanation of how the consumer can exercise the nondisclosure option. None of these companies ever informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states that Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. These accounts are adverse items they are reporting without my permission which is against the law. 15 USC 1681s-2 ( a ) ( 1 ) states 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. 15 USC 1681c states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title, and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian, XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2022-02-22
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: CAINE & WEINER COMPANY, INC. (NY)

# 1 - Creditor Name : XXXX XXXX - Amount : {$1100.00} - Date Opened : XX/XX/XXXX - Account Number : XXXX # 2 - Creditor Name : Caine & Weiner - Amount : {$380.00} - Date Opened : XX/XX/XXXX - Account Number : XXXX
Consumer complaint received 2022-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

My PayPal account was fraudulently used to make a {$230.00} purchase from XXXX with my credit card. On XX/XX/2022 at XXXX I received a text message from PayPal that my account had been charged {$230.00}. Upon inspection, my card had been used via PayPal to purchase a XXXX Thermostat going to one XXXX XXXX in XXXX, NY. I changed my PayPal password, removed all payment methods, and reported the fraudulent charge to my credit card company. PayPal portal keeps crashing when I try to report the charge. I have notified XXXX who are working to cancel the order.
Consumer complaint received 2022-02-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. This is the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have tried unsuccessfully two times on-line to request my free annual credit reports from the three companies. It apparently requires me to download and print the reports online. I try downloading the report, it dumps me out of the system.

Also, the last credit reports I requested, approximately 3 years ago, received only 2 of the 3 I requested. At that time I got the 2 reports via mail. Why can't I get the reports by mail now?

I was using the " free credit reports '' website referred by FTC.com