davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Several attempts have been made by the account holder to close the HSBC account. A letter, signed and dated ( XX/XX/XXXX ) with two ( 2 ) forms of identification was submitted to the Legal Paper Processing department of HSBC per their instructions. The letter requested a address change and the account be closed with proceeds sent to the new address. 
When no response was received a second letter, signed by the account holder and dated ( XX/XX/XXXX ) was sent again requesting an address change and closure of the account. [ both letters attached ] When there was still no response and following additional conversations with HSBC representatives, a complaint was filed with the New York Department of Financial Services acknowledged on their letterhead dated XX/XX/XXXX. [ attached ] A response dated XX/XX/XXXX was received from HSBC acknowledging receipt of the XX/XX/XXXX letter for change of address, but not for account closure. Interestingly, both requests were made on a single page of paper, signed and dated by the account holder. The HSBC response also required a POA ( irrelevant since it was the account holder, not the POA, making the requests ). [ POA attached ] The response also suggested follow-up be made with their customer service department. 
This was done resulting in HSBC accusing fraudulent involvement of family members and maintaining failure to follow their customer 's written instructions. [ correspondence attached ] This treatment by HSBC against an elderly customer of over 20 years is unacceptable. 
Unfortunately, punitive damages are not possible in a case of this nature.
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX... Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX. ... Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$10000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Resource Systems, Inc (GA)

XXXXUNITED RESOURCE SYSTEM sent me a itemized computer printout of a hospital bill which is not legal validation Per FDCPA and never presented a HIPAA waiver letter bearing my name and signature. XXXX XXXX  XXXX never sent me any validation and are in violation of the same laws and has exposed my PHI if this be my debt which violates Gas Privacy Act. Please have these two medical collections removed from ALL CRA reporting for it is preventing me from approval of available financing. These XXXX refuse to legally validate and the CRAs XXXX, XXXX, XXXX. continue to validate after reinvestigation.
Consumer complaint received 2022-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NJ)

Medical services through XXXX XXXX for blood work. I have sent XXXX XXXX proof of payment. 

I have blood work done regularly. Last appt, at check in, the admin advised that they couldn't do the blood work unless I paid. I showed her the cancelled check which she notated in the file. I also told her that I sent a copy of payment to XXXX XXXX. She acknowledged that they are notoriously slow in crediting accounts and that they do not hesitate to refer to collection agency. She told me that I may need to get a lawyer to get them to stop. Payment was made and check was cashed- see attached - and they continue to send me dunning notices and they have now affected my credit rating. I subscribe to a credit protection service.
Consumer complaint received 2018-06-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAP ONE AUTO with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2022-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit profile seems to not exist even though I had an open XXXX Department of Education loan in good standing with XXXX XXXX since XX/XX/XXXX and other loans since XXXX. So why do I not have any credit profile with my name XXXX XXXX XXXX on any of the credit bureaus? Why are they denying me my opportunity to obtain credit? This is a clear violation of the equal protection clause, the Fair Credit Act, Consumer Protection Act, American with Disabilitirs Act, and countless other federal and state statues. You can't just delete a profile and not report an account like a student account from the federal government that is in good standing, but if it were in default you would report it in a heartbeat. I demand an investigation and a statement on my credit profile when you are mandated to publish it stating what you have done so that crodiy.compamies know that the credit bureaus are disgusting and a new bureau should be established ( the XXXX XXXX ).
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have a recurring monthly check automatically sent by the bank to my church. On two occasions, the check was stolen from the bank 's mailbox and ( somehow ) cashed. I only found out about this much later, when reviewing my annual contribution statement from the church. 

I notified Capital One, who proceeded to tell me that there was no evidence of fraud -- sending me a photo of a completely different check, lacking an endorsement, as evidence that there is no fraud. As they failed to find fraud, they denied my claim. 

There is no means to appeal to ask for clarification once a claim is denied, despite the bank failing to properly and adequately investigate my concern.
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have requested at least on 4 different occasions for Capital One to provide me with a ONE time courtesy goodwill for ONE late payment on my account. The late payment occured in XX/XX/2017 when I was making a transition in employment. I have since maintained a positive account, making all payments on time and for the balances due. I've contacted XXXX XXXX in reference to requesting credit limit increases and was given inaccurate information. I have emailed about the inaccurate information and the process for getting CLI or changing account over to unsecured and those emails were never addressed.
Consumer complaint received 2022-01-26
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. (TX)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. After doing research, Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed now. The inaccurate information is preventing me from getting approved for the things I need to have and causing me to pay higher than necessary interest rates. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve the issues with my credit report.
Consumer complaint received 2022-01-14
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting AXXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing 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 2022-01-26
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. (CA)

I have tried and tried and tried, both XXXX XXXX XXXX XXXX and Experian continue to ignore my requests to update my credit file with valid and accurate information which is a violation of both FCRA and FDCPA. XXXX XXXX XXXX XXXX continues to furnish inaccurate information. Derogatory information may only be displayed for a maximum of 7 years. My account first went delinquent in XXXX of XXXX when XXXX laid me off therefore making XX/XX/XXXX seven ( 7 ) years and yet XXXX continues to supply ND to the credit bureaus. Experian is in violation as they have failed to properly handle this investigation and re-investigation even though I have supplied them with the report they sent me which clearly states XX/XX/XXXX. They continue to simply give me the run around claiming XXXX validated their position. Well what about mine? What about fact? This is illegal for both of these entities to be reporting inaccurate and outdated information. Under federal law I have the right to dispute inaccurate information in my credit file. XXXX XXXX XXXX XXXX has failed to properly investigate and has not provided me a substantiated review of their findings during this investigation. Experian 's website will not allow me to submit additional or supporting documentation and the statement I have requested Experian to place on my credit file also has been ignored. Experian has grossly mishandled this investigation and continues to ignore my dispute.
Consumer complaint received 2019-04-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (MN)

XXXX XXXX XXXX called me and repeatedly told me that my credit would be harmed until I pay back debt. I said multiple times and asked multiple times if she was saying that it would be harmed every day until I pay the debt she said, yes your credit is going to go down every day to debt is not paid and your credit is going to get worse until this debt is paid.
Consumer complaint received 2022-01-26
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. (GA)

I recently reviewed my credit report and noticed fraudulent activity being reported to the credit bureaus. I asked that the items be deleted immediately as I am a victim of identity theft. I am also requesting that you stop reporting fraudulent information as I have reported the theft of my identity to the Federal Trade Commission. Please delete the fraudulent information off my report as it is reflecting poor credit history.
Consumer complaint received 2022-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed my credit report and noticed fraudulent activity being reported to the credit bureaus. I asked that the items be deleted immediately as I am a victim of identity theft. I am also requesting that you stop reporting fraudulent information as I have reported the theft of my identity to the Federal Trade Commission. Please delete the fraudulent information off my report as it is reflecting poor credit history.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (GA)

According to law 15 USC 1692 c ( c ), Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt. Please remove all debt information from all XXXX credit bureaus asap that are listed below. 

XXXX XXXX  Bankruptcy/ XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed : XX/XX/2017 XXXX, GA XXXX XXXX : XX/XX/2017 National Credit Systems Account # XXXX {$3600.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Account # XXXX {$8500.00} Sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Account # XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  Account # XXXX {$710.00} XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX {$520.00} XXXX XXXX XXXX. 
XXXX  XXXX, MO XXXX XXXX XXXX Account # XXXX {$500.00}
Consumer complaint received 2018-06-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: DLC, LLC (NV)

I have a collection on my account from XXXX XXXX XXXX and I have never been to one of their locations. I have never applied for credit with them and I never gave them any of my information.
Consumer complaint received 2018-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (IL)

On my credit report it states that XXXX XXXX XXXX XXXX is 100 % percent accurate. When clearly you could see the inaccurate information placed on my credit report. I tried disputing multiple times for inaccurate information such as, the terms, date open, account status, account type, payment status, account name, balance, company sold-to, and payment history. The account is clearly inaccurate. I sent the XXXX XXXX XXXX XXXX validation of debt letter and they failed to respond. Also, I sent them a letter due to that i do not have knowledge of the account. In which, this account have not been properly validated becuause clearly they are violated the law section 609, 611, 616, and 617 under the FDCRA and under FCRA. The credit bureaus states this account is 100 % accurate across every section of the account. They are violating my rights and my credit worthiness and defamation of my character.
Consumer complaint received 2018-06-28
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Palmar, Inc. (NJ)

The proper option was not available. 
A previous complaint was filed with CFPB, however it was closed. The previous response from XXXX XXXX  contained my private health information. My PHI was viewed by employees of XXXX XXXX. My PHI was shared on this website. 
XXXX XXXX was not authorized to receive my PHI ( as documented by the document they uploaded to this site. ) The medical bill shared initially shared by health care provider is a violation of the Health Insurance Portability and Accountability Act of 1996 ( HIPPA ). This law prohibits the disclosing of personal health information. 

This account is being illegally reported on my credit report. 
As a result, I will be filing a formal complaint with the Attorney General ( OAG ), and Office for Civil Rights ( OCR ).
Consumer complaint received 2022-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (NV)

I have obtained a police report regarding identity theft regarding items that I was not aware or responsible for and provided the information to all three credit bureaus. As a result the erroneous items were removed from my credit report. Today, XX/XX/XXXX, I received an alert from XXXX stating that I had a new collection report with the following information : Account name ALLIED COLLECTION SERVIC Account numbers : XXXX XXXX XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$220.00} past due as of XX/XX/XXXX. 
Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX When I called the collection company, Allied Collection Services, they were unable to open the account and provide specific information. This was a violation of the Fair Reporting Act. They seemed to have purchased a list and filed two fraudulent collections claims against my credit.
Consumer complaint received 2022-01-25
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: Santander Consumer USA Holdings Inc. (TX)

I looked on my credit report and as well as my name someone else name is on my credit with different address, phone numbers, and as well as mine and inquires on my account that i did not authorize that is under the other persons name but on my account
Consumer complaint received 2022-01-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX around XXXX I was called 4 times by the same number, the 4th time I finally answered. It was the Wells Fargo customer service number, the one that is on the back of your debit card. The male on the line asked if I knew a XXXX XXXX out of XXXX with XXXX XXXX, and I said no, they asked if I was traveling and I said no. They assured me it was Wells Fargo by saying this is a recorded line and you can confirm because Im calling from the number on the back of your debit card. They said they have noticed some fraudulent transactions on my account. They said the froze my account and were going to work on getting my money back. I logged into my account said my funds were fine and they said we froze them so you wont see transactions, they continued to tell me they were going to help get my money back. They never asked for any of my Information, they even knew I had a savings account. They knew EVERY single XXXX  step on what I would be seeing and what steps were next. I ended up transferring {$1000.00}, {$1000.00}, and {$1000.00}. They sounded legit, even putting me on hold, I was getting an email with the name XXXX XXXX from XXXXXXXX XXXX  and XXXX XXXX XXXX at the same time all this was going on so I thought it was weird, and access codes. I fell for it, Ive been with Wells Fargo since 2001 and have never filed a claim of missing money and now they are denying my claim. A customer that was been with them for this long.
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NC)

I had the XXXX XXXX with XXXX pay a house payment in XX/XX/2021 but they needed a W9 from Selene finance before they could help again it took from XXXX to XXXX before they would do there job and send the W9. This out everything bin a bind for all those months. The XXXX XXXX XXXX NC through XXXX sent another check for XXXX to get house caught up but the check has never been found. This is now XXXX. I was forced to leave house because XXXX is not a program for me but my husband who has XXXX. I was abused and had no choice but to go in a XXXX XXXX I have 45 days to get a place to live and I am XXXX. So low income housing I can't get unless this house is outy name. I have a buyer that wishes to buy the house but Selene finance again will not comply with a payoff email or anything the name of the bank that the loan is at or anything to help with this. They are shady and are stalling for whatever reason. I need your help. I have no car must email everything could have went back to house if Selene would have been willing to follow through with anything they should. They are by far the worse servicer of this loan that has been on it. Ease help me with getting the bank and the buyer together on this property so I can get it out of my name and on with my life. I shouldn't be XXXX because of a shady servicer.