davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I APPLIED FOR A CAR LOAN AND THE DEALERSHIP SENT MY INFO TO MANY BANKS I WAS TRYING TO REFINANCE MY HOME FOR A LOWER RATE/PAYMENT AND THEY SENT MY INFO TO ALL THESE BANKS. 

BELOW ARE ALL THE INQUIRES LISTED ON MY XXXX CREDIT. 

XXXX INFORMATIVE RESEARCH 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
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/XXXX, there was someone that hacked into my Navy Federal Credit Union online account, by using stolen credentials. Somehow the intruder was able to gain full access to the account without my knowledge and was able to send themselves a fraudulent wire transfer of {$1500.00} of my money. This money was sent to an account banking with XXXX XXXX, based in XXXX. I have tried to reach out to XXXX XXXX and they are not answering their phones. Navy Federal states that there is nothing that they can do except try and contact XXXX XXXX via mail, but by law, XXXX is not required to return the money, nor respond to their requests. Meanwhile, I am now experiencing financial hardship due to this and Navy Federal is not willing to return the money even though this was a security breach and complete security failure on their end!
Consumer complaint received 2021-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (NV)

I refinanced my home through XXXX XXXX Company based in XXXX XXXX, Nevada about 2 months ago. I signed the deal of {$310000.00} with First American Title insurance Company based in XXXX, Nevada on XX/XX/2021. However, after about Two months of my deal, my previous mortgage company which is XXXX XXXX didn't close my account and keep sending me a monthly payment bills and additional letters that indicates " short payoff issue ''. I called both XXXX XXXX and First American about the issue several times but, the problem is still not solved. Lastly, I have got a waring letter from XXXX XXXX which indicates that " ... To cure the default, the full amount of the default on this account must be paid by the 35th day from the date of this letter which is XX/XX/2021. Failure to cure the default on or before this date may result in the acceleration of the sums secured by the security instrument and sale of the property... .. '' Now, after I have got this letter, I am afraid of losing my home without any wrong doing in my part and I am suffering from not slipping well. My continuous calls to the above mentioned companies doesn't bring any solutions instead wasting all my time.
Consumer complaint received 2022-05-15
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. (GA)

I went to apply for a car and was told it would be one hard pull. After checking my report it ended up being way more than 1 pull. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX
Consumer complaint received 2022-05-15
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX  accounts listed below. 

XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX 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 a account without my written instructions.
Consumer complaint received 2023-02-27
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd (NY)

I have sent numerous emails and phone calls on the following dates. 
XXXX, XXXX I have been calling and contacting them because I set up my account to pay for an international symposium and school visitation. 
I used the company I was informed to use WISE. They let me set up an account, I then transferred the money and they withdrew it from my bank account on XXXX. Then I was notified that they deactivated my account.No reason and no excuses why because no one can offer that answer. I have been emailing, calling and trying to get my money back since then. I have been unsuccessful in trying to collect back {$3200.00}. 
It is stated on their website that it can take 5 days. However, after speaking with them they informed me that they would return the money to my account within 10 days. Then it switched to 20 days. Then I am being told it can take sometimes longer. It has been 14 business days and 20 calendar days since they have withdrawn my money from my account. 
I have been trying to find out the status and they simply state that they have no answers because customer service can only see that it is closed and i have to send and email and wait. 
No one can give answers as to when I can receive my money back.
Consumer complaint received 2021-10-29
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. (GA)

I filed a complaint with the CFPB against equifax and the result of the complaint is retaliation by lowering my score even more for incorrect items that are at or over two years old. My score was lower twice total of XXXX points this month due to remarks updated on my credit file. I am trying to rent a home and this is prevention me from obtaining shelter. I need help. I called equifax on XX/XX/2021 when I spoke to the representative she stated that she couldnt do anything I asked to speak to a supervisor she stated that she will have one call me back which I still havent gotten a call back.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I've contacted the XXXXredit Reporting Agencies several times both via phone and mail to see why discharged accounts that have been canceled on behalf of the creditor are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT. 

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility of reporting maximum accuracy to my consumer profile. 

These inaccurate accounts being reported are severely impacting my ability to obtain credit.
Consumer complaint received 2022-03-28
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. (MD)

I tried several times to request my credit report and File its not excepting my verification information the information they are using is inaccurate I have attached my State IDentification card and social for verification
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

American Express Platinum card is reporting incorrectly to XXXX  ; XXXX and XXXX on the AMEX partial account number XXXX. ( Please see page 14 of  the attached credit report. ) I make regular monthly payments to American Express Platinum, over the minimum amount due, every month and I have never missed a payment. The monthly payment due is {$890.00} and I am making payments of over {$1000.00} per month. This account is reporting a past due balance of {$6700.00}, with a minimum payment due of {$6700.00}. How can my regular monthly payments of {$890.00} escalate to a minimum payment due of {$6700.00}? This miscalculation has triggered a late reflected on my credit report and consequently this account has been charged-off. How did American Express calculate this past due payment? According to the American Express Platinum website regarding payment calculations past due amounts can not just increase thousands of dollars unless there was a missed payment. As I stated above, I have never missed a monthly payment on this account. American Express Platinum is  reporting lates but can not provide a specific date. There are no lates to report. The inaccurate reporting of this account is a direct violation of the Fair Credit Reporting Act and is harming my credit score. This information needs to be updated to report accurately on my credit report.
Consumer complaint received 2022-05-18
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end account under an open end consumer credit plan as a late for and purpose.
Consumer complaint received 2021-10-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021, Chase bank issued two overdraft fees for transactions processed in the middle of the night or behind the scenes where I can't see on my account. I was charged 2 overdraft fees despite me being unaware of these transactions until today. Additionally, I have 2 accounts with Chase, one where I could readily transfer funds. I transferred the funds that morning when I discovered the overdraft and called Chase to see if they could remove the fees. They refused. This feels like a scam. I wasn't overdrawn before going to bed, and the next morning, I wake up to two overdraft fees.
Consumer complaint received 2022-05-18
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. (AL)

XXXX XXXX XXXX account XXXX, XXXX  account XXXXXXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX this accounts above 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-18
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXXXXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2 (CA)

On XX/XX/XXXX, I received a letter from Persolve Legal Group, LLP that was addressed to XXXX XXXX at my personal home address. I AM NOT XXXX XXXX. I am XXXX XXXX. The letter states that the company is attempting to collect on a debt that XXXX XXXX owes to XXXX XXXX, XXXX. The amount is {$5700.00}. There is no one by the name of XXXX XXXX at the address listed. I AM NOT XXXX XXXX. I am XXXX XXXX. I have never done business with XXXX XXXX and I have never sought a XXXX Credit Card. This debt was originally attempted to be collected by XXXX XXXX XXXX XXXX XXXX I submitted a complaint with the Consumer Finance Protection Bureau ( Complaint ID XXXX ) for which YOUR BUREAU DID NOTHING to resolve this complaint. I had to contact XXXXXXXX XXXX and received a letter dated XXXX XXXX, 2021 telling me the following : The account for XXXX XXXX has been shut down. 
I have been CLEARED of any responsibility for this debt being that I AM NOT XXXX XXXX. I did not make any purchases and I am not responsible for them. 
In addition, XXXX XXXX notified all three credit bureaus to remove this account from my credit report. 

Now the question is, when is the Consumer Finance Bureau going to actually DO SOMETHING FOR A CHANGE and go after identify theft and consumer fraud?? 

I am OUTRAGED that this debt collection was transferred to ANOTHER DEBT COLLECTION agency which is going after me for the same amount and I am NOT XXXX XXXX!
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

in re : HSBC- XXXX XXXX XXXX banking corportation U.S. dispute claims mishandling by hsbc and failure to credit transaction for returned items to merchant. 
hsbc failed to properly credit dispute claims and merchant made false claims and after i returned defective car and missing car documents. hsbc gave all kinds of run around and never contacted me for followups. after 6 months of investigation my claim was finally escalated to a manger of hsbc in new york named XXXX XXXX, XXXX, Customer Relations. hsbc stole my money and never properly disputed my claim for lost money. product-car was returned because seller refused to provide authentic car document and invoice. and XXXX participated in the fraudulant activites. hsbc never had anyone that spoke in american language. i could barely understand the foreign employees handling my claim. this happened on multiple occasions. and 2nd concern was that after making bill payments for 6 months ... the first 3 months bill payment were returned but hsbc bill pay stole the 3 bill payments. i have asked numerous times for my refund of the bill from XX/XX/2022 to XX/XX/2022 and the XXXX  hsbc XXXX  did nothing and failed to do anything. its seems like everyone at this hsbc XXXX bank is very incompetent and deceptive and liars and don t know what to do. they need to be investigated by US federal banking agencies for their dirty banking practices!!!
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (TX)

in accordance with the fair credit reporting act XXXX account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX account name : XXXX XXXX XXXX # XXXX account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX  XXXX  # 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 account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contenting 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 then XXXX 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 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-17
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. (CA)

Ive been trying to correct my credit report for the past 4 month because theres information on my credit report that does not belong to me theres account and inquiries that ive never done and never had and the credit bureaus wont remove it from my credit report ive sent all the documents and proof to the credit bureaus that these accounts and inquiries are not mines and still they wont remove it
Consumer complaint received 2019-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldridge PIte Haan, LLP (GA)

I called to clear a judgement in Magistrate court. They asked for the file # and I told them there were two file # s, and I gave them both #. They claimed not to have found those numbers and asked that I give them my SS #, which I did. I told them that it was for XXXX XXXX and it was a filed judgement against me in XXXX County Magistrate court. I have the names of the people I spoke to at Aldridge, Pite, Haan on XX/XX/XXXX. I made a settlement of {$1700.00} on a {$3000.00} ( appx ) debt and the check cleared the bank on XX/XX/31. The very next week when I tried to get a letter stating that the judgement was final, they told me it was applied to another account. I asked for proof that was my acct they applied it to and they said they would ask the creditor to send me proof and I would probably get it within ten days. I can not get this cleared off my records, and I would like to know what legal ramifications there are for this type of scamming. Thanks
Consumer complaint received 2015-05-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MD)

I have been receiving calls for a debt owed by XXXX XXXX from Midland Credit Management. I do not know who XXXX XXXX is. They have been calling XXXX times a day for the past week. Yesterday I called and said that I do not know XXXX XXXX and asked them to stop calling. Today they called again and I again reiterated that I do not know XXXX and if they call again I 'll be filing a complaint. They called again so here I am.
Consumer complaint received 2023-09-30
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. (SC)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (NY)

I responded to promotion in which if you have a Key Bank Credit Card and you open a Savings Account {$200.00} will be added to your account. I entered promo code and opened account as stated and the {$200.00} was never added to my account. Not sure of promo code but it was on or about XX/XX/2018 that I responded to PROMO. Ive repeatedly reached out to company with no response They did respond to my last email, 'XXXX XXXX stated that the case had been submitted to the Executive Offices that was on XX/XX/XXXX. Have heard nothing since then.