davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

HSBC bank sent me to a collection agency 7 plus years ago. I was contacted by the collection agency and payment arrangements were made. They took out of my checking account the amount agreed upon for 3 years. After the 3 years was up another collection agency had taken over the first collection agency. I was told that my account was settled and paid in full. It was taken out every month from checking account. About 9 months later in XXXX I filed bankruptcy on my other credit cards. My attorney even said that my HSBC was paid for. So, today XXXX XXXX, XXXX 4 years after I had HSBC paid off I get a call saying that I have not paid HSBC off. I tried to explain to the woman on the phone that it was paid and she said that they were taking actions against me to get it paid because their office says it was never paid. I also told her I have had a bankruptcy since I paid it off and it was not owed at that time either. It was taken out of checking account. She wanted proof. That account was paid off over 4 years ago going through papers from that long ago is not feasible at this time for me. She got mad and hung up at me. I waited a few minutes to call back and they hung up on me again. This account was paid in full. It's not my fault they can't do the proper paper work on their end
Consumer complaint received 2019-10-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (AZ)

Paypal is Stopping from doing XXXX transaction buying online or selling online.I dis like paypal but everyone on XXXX use them. 
Paypal says this to me, you perform certain tasks on your account. You will be able to regain access to these features once you've completed these. 
Reference ID : XXXX Upload a photo ID Completed Provide proof of your address Provide proof of your SSN Completed Give us your feedback -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Paypal i gave them Copy my Driver 's license, SS # Card, Now paypal making me give proof my address. 
Unbelieable.I spoken with many people they open up personal account never had to do what i doing. 
Paypal been treating me like XXXX10 years ago saying my SS # was not mine.Because they got employee there with my SS # .Paypal is XXXX XXXX company
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MI)

I called on XX/XX/21 to get my late payment fee waived. When I spoke to the agent she said she's unable to do it. A previous agent I spoke to around XX/XX/XXXX said they do it once my balance is up to date. The late fee is {$40.00}
Consumer complaint received 2019-09-20
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND I FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES LISTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This is in continuation of the complaint filed on XX/XX/2019. 

Complaint XXXX We have not received any response to date. 
On the contrary Capital One has resorted to harassment, insult, extortion and intimidation. Please see the attachment.
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

I tried to get a refinancing from a bank. They checked my credit score and found my credit score from Equifax is not available. I had a mortgage account which was opened last XXXX. On the credit report, it missed my mortgage account on my credit report.
Consumer complaint received 2019-10-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IN)

I applied for a refinance with Quicken loans in mid XXXX. I was told the terms would be 3.99 % {$100000.00} loan with 2.125 % points, with those terms, I agreed to put a " good faith deposit '' down of {$500.00} ( no one from Quicken told me that they could change the rates and terms after I put the deposit down ). Our appraisal came back at {$140000.00} and all of the sudden all rates and terms changed. ( I went to XXXX XXXX Mortgages and once again had an appraisal done 1 week later and it was {$160000.00}, {$37000.00} more! ). Anyway, Quicken changed my rates and terms no less than 5 times, even changing terms 2 times in one day! I thought good faith meant good faith by both parties. Their actions were not fair and entirely too confusing. Even my loan officer said she did not know what was going on. Of course, I no longer felt comfortable letting this company deal with my mortgage so I went to Ruoff and closed within a few weeks with no issues, but I am now out {$500.00} with Quicken and they refuse to return it. During this process, we also received calls from several different people from Quicken after we told them that we no longer wanted to work with them and some were even threatening, saying since we already applied with them, no other company would take us and we should just go with them. I don't think it is fair that I signed the " good faith deposit '' saying I liked the terms and wanted to proceed, yet they did not show " good faith '' back by changing terms over 5 times for no apparent reason. I think I should get my deposit back, as I did what I was suppose to do, they were the ones who did not. If this is allowed to continue, they could tell customers a false great rate and terms, take their money, then change terms and customers either have to accept the new terms or lose their money, it is not fair.
Consumer complaint received 2016-01-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Problem # 1 XXXX, I received a letter from Carrington stating that my account was placed into a suspense account. I had spoken to XXXX reps from Carrington asking them what and why it was. They both replied that they had no idea because records showed I was on time on all of my mortgage payments. On my third call and after receiving another letter, I spoke to a rep who found out within a minute. She said I was short on my payment because of an escrow change. I told her that it was unfair that now I was charged a late fee for every month, but I paid the charges anyways that same day to clear this up. She told me I had to write a letter to Carrington Research to recoup any late fees I was unfairly charged. I faxed them the attached letter. They refused citing no valid reason. I tried to refinance, but it showed that I was late on my payments numerous times? Refinancing is impossible now because of the negative/late flags on my account. Problem # 2 In my XX/XX/XXXX statement there is a late charge of {$20.00}. I spoke to a rep in XX/XX/XXXX who told me it was a `` drive by inspection fee '' charged because they wanted to make sure I lived at my property. The rep said she was unable to give me any answers to any question, and that if I wanted any info that I was to write another letter and send it to their Research department? Again?
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (AL)

During the time frame of XXXX and XXXX there was 2 credit cards opened ( ending XXXX and XXXX ) with XXXX XXXX without my authorization. 
There was 3 credit card accounts opened without authorization from Navy Federal. 

When I moved back in my primary residence, this is when I found out about the accounts by letters that was being sent. I disputed the information with the credit bureaus and sent along a police report. I did received another letter stating no fraud was found and basically that was it.
Consumer complaint received 2019-10-11
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. (NY)

On XX/XX/19 Tried to open a Gas credit card for my business and gave XXXX/XXXX  my business EIN number to open an account with XXXX, but XXXX/XXXX  informed me that my business didn't have a strong credit history. And wanted me to give them my personal social security and I declined to used my S.S number, so I cancel the credit application. 
And the next day XXXX  XXXX informed me that I had a HARD INQUIRIES! when I check my credit report, it was XXXX. Shack!!! I didn't gave XXXX the permission to pull my personal credit.
Consumer complaint received 2021-06-15
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. (PA)

Hello my Name Is XXXX XXXX Ima in the process of buying a house .I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX  XXXX XXXX XXXX XXXX, Oh XXXX In XXXX XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX   offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. XX/XX/XXXX I recontacted customer service to inform them that I was still in a financial burden with having to pay for insurance deductibles that was caused by the storm and not qualifying for FEMA assistance. At that time, they offered an extension of the forbearance from XX/XX/XXXX - XX/XX/XXXX, with the same benefits offered as before. When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XXXX when these same charges were being improperly charged. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to Portfolio Recovery Associates in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to Portfolio Recovery Associates because they were unable or unwilling to honor the original forbearance guarantee. I have disputed this with XXXX XXXX, Portfolio Recovery Associates, XXXX, XXXX, and XXXX to no avail.
Consumer complaint received 2023-03-22
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. (OH)

I am writing to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Unpaid Balance {$0.00} XXXXXXXX XXXXXXXX XXXX  XXXX Unpaid Balance {$0.00} XXXX XXXXXXXX XXXX Unpaid Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXXXXXX XXXX XXXX  XXXX Unpaid Balance {$0.00} EQUIFAXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can assure you that I did not open these items or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Consumer complaint received 2019-10-11
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. (PA)

This is a follow-up on my previous complaint to Transunion LLC. I am not happy that I have not received an explanation to my concerns on the previous compliant.
Consumer complaint received 2019-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

I received several phone calls from ( XXXX ) XXXX trying to collect on a HSBC account. I had an hsbc account but it was bought out by XXXX XXXX and included in my bankruptcy that successfully discharged. They are even calling relatives leaving messages for them. The lady claimed that shes going to file a judgment within 72 hours. This debt would be way beyond the statue of limitations. This seems to be a scam.
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

During the time frame of XXXX and XXXX there was 2 credit cards opened ( ending XXXX and XXXX ) with CAPTIAL ONE without my authorization. 
There was 3 credit card accounts opened without authorization from XXXX XXXX. 

When I moved back in my primary residence, this is when I found out about the accounts by letters that was being sent. I disputed the information with the credit bureaus and sent along a police report. I did received another letter stating no fraud was found and basically that was it.
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

I have emailed XXXX XXXX XXXX  about XXXX  and XXXX  easy charges weeks ago. Chase bank is forcing me to pay online gambling charges. Meanwhile there are emails from the XXXX   saying Chase is refusing to pay them. Chase is violating UGIEA law. Chase knew the fraudulent activities were online gambling.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONRAD CREDIT CORPORATION (NY)

On my credit there is a charge for XXXX dated XX/XX/XXXX. The original creditor name is XXXX XXXX XXXX. 
The collection is Conrad credit corporation. I have in the passed reach out to them to assure them I have no knowledge of this transaction. As well as my XXXX XXXX XXXX so there is no way I can have an XXXX. I reached out again XX/XX/XXXX which they had reminded me of a statement I wrote and agreed they have notes stating this is a situation of identity theft. I told them that name is my sister which I do not have contact with and have no knowledge that she used my information. They assured me it will be taken care of they did have to contact the company again to verify this information. On XX/XX/XXXX I recieved a call back with a very aggressive tone stating I am on camera taking my sister to this clinic wish I do not deny. As well as she still very aggressive tells me this is fraud and will stay on my record and they are very upset and will be coming for me. As I recall I showed Id stating my name and d.o.b to be able to escort my sister out the building after procedure. I had no knowledge of her using my information where will this even make sense she going in with my name d.o.b so on and I show id with the same. This is not my fault she used my information or that the clinic did not pick this up. I should not have to suffer with this on my credit report for the negligence of XXXX XXXX or should I been threaten by a debt collector I am reaching out for for help. I feel violated and judge with out a jury or trust judge for this lady to insist that actions will be taken against me and this will stay on my record. Please help!!!
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (MA)

After 2 months of my experian score increases, the last change was +2 points on XX/XX/2019 to XXXX. On XX/XX/2019, I attempted to use experian boost and provided access to my credit cards and bank account. For no reason my score was dropped 5 points immediately by experian. Tried to call experian and was placed on hold for more than 30 minutes and forced to listen to repeated advertisements about experian premium packages and benefits which would expedite contact with experian personnel and assistance. This is not proper and my score should not be affected by my refusals to buy experian products.
Consumer complaint received 2023-06-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

XXXX friend request. Accepted 2nd request on XX/XX/. Became personal friends after one month. She stated she worked as an XXXX XXXX in XXXX. Management stated she was needed in a war zone and will be transferred very soon. Told me she wanted to quite because her life was at risk and will be sending me a high valued package ( gold and medical equipment ) before her being transferred. Package was sent and held up by XXXX  Airport Authorities. Need to wire {$10000.00} to complete the delivery. Sent wire on XX/XX/. Courier sent another email stating the package was confiscated by the XXXX  Authorities and now want {$83000.00} or we will be reported to the FBI, XXXX  and the XXXX  Authorities for smuggling. Went to bank and they said, this is a scam and will not wire funds. Went home and check on some documents and agreed this is a scam.
Consumer complaint received 2021-02-17
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: American Credit Acceptance, LLC (OH)

AMER CR ACPT XXXX Date Opened XX/XX/2017 Balance {$15000.00} Isnt your agency supposed to report only the accurate information? There are two different dates of date opened and three different dates of last activity reporting. and lastly, This late payment might have been incorrect and your agency just reported it without even verifying it. Did you know that its a violation? I am certain that this kind of reporting is a violation of the FCRA.
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.