davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC was not allowing me to pay my loan over the phone. I tried several times but it failed. The automated system was telling me that my payment was submitted successfully but then he payment never should up and I was keeping on being charged interest for a full month extra. I tried over 5 times to make payments in that month but everything was failing. I was away on vacation so it was impossible for me to go into a branch and make a payment. 

After I filed a complaint requesting a refund for the interest charged as a result of the HSBC bank error I received the attached letter as a response. This was investigated by an HSBC Customer Relations Manager XXXX XXXX. 

The response is full of lies and inaccuracies. I have the following issues 1 ) HSBC is claiming that the payments were not successful due to missing information. I have a letter from HSBC confirming that the reason the payment did not go through was due to the fact that phone payments are not an option. And my payment needs to be submitted in branch. So it was NOT due to missing information ( see letter attached ). 

2 ) The payment on XX/XX/XXXX was also not successful. I ended up making a payment in branch on XX/XX/19 for the amount of {$35000.00} ( See attached check ).
Consumer complaint received 2022-07-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I filed a dispute in regards to the incorrect and out dated items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2018-05-24
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. (TX)

Derogatory information from the company XXXX XXXX continues to be on all 3 credit reports. This debt has not been validated and keeps being reported on report since XX/XX/2015, I have repeatedly disputed this account and credit agencys only response is this is a accurate account.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

XX/XX/2018, I was calling Experian 's advertised number on their website to cancel the membership service, for which they automatically charged my credit card for {$24.00} each month. I called XXXX on XX/XX/2018 and waited until XXXX to get a live person. He told me that he did not have access to this type of account so he had to transfer me to another person with access to the account. I said this is the number I was told to call to cancel my account. He said " yes this is the number but I don't have access, do you want me transfer or not. '' When I asked him if that meant I may have to wait another 45 minutes, he said he did not know how long. He said he worked at the company 's XXXX XXXX service center. He was very arrogant and cold. By the way this is the only way they can cancel my membership, but I am not able to get through. I feel like I have been hijacked by the company. The only way I am able to get off is to call my credit card company and stopped payment. 

Below is the quote from their website : How do I cancel my membership? 
If for any reason you are not satisfied, you can call us to discontinue your membership and stop the monthly billing. However, you will not be eligible for a prorated refund of any portion of your current month 's paid membership fee. To cancel, please contact Customer Care at XXXX.
Consumer complaint received 2021-04-13
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. (AZ)

I attempted to ask Transunion and XXXX  to remove fraudulent credit inquiries after an agency illegally ran my credit WITHOUT my approval. I was told I had to give my social security number over the phone so they could verify me before they could answer any questions about my inquiry when I was only CONSIDERING refinancing my home of 35 years. I told the phone agent that I would comply since that was their business policy, but I was NOT giving permission to run it. 

The agent lied to me, ran it anyway and later called me and said he had come up with a great package for me! I was surprised and disturbed, but he sad he hadn't understood me ( he said I must give him my social security number to verify me over the phone, I did not give him permission to use it ), but not to worry it was only him pulling it and the deal was great! I was even going to get money back! He told me he would email the loan package and I should sign, but not tell anyone what a great deal I got. 

Later on, after I showed the package to my daughter, she told me to not sign it because the phone agent offered me excessive, cutthroat rates of nearly 30 % interest! A while later when she looked at my credit, my score had dropped severely. She explained it was due to all of the hard inquiries. After that, it became a consistent problem - credit card agencies, auto dealers, etc. Sometimes, multiple times a month my XXXX XXXX showed hard pulls that I never contacted or gave permission to. My score was in ribbons! I tried to get them off but was overwhelmed and confused. I was told to call each company, which I did. Many are still on there. They told me even if they did not have permission from me that it was a common practice and they would drop off after two years. That is unfair to me. Here is the list from Transunion. I never gave these companies permission to check my credit and feel my information was passed around without my knowledge or consent. XXXX  's is in the next box due to space : XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX  XXXX XXXX  XXXX, MD XXXX XXXX BOX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX  XXXX, RI XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX BOX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-05-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC. (IN)

I have an Optum Bank XXXX  Savings Account. Optum and XXXX XXXX have a program where Optum XXXX account holders can open a linked XXXX XXXX Savings Brokerage Account ( HSBA ) to invest XXXX funds. I enrolled in the program and had over XXXX  XXXX invested at XXXX until I needed to withdraw funds on XX/XX/year>. I sold all securities in the XXXX XXXX on XX/XX/year> to enable the withdrawal. When trying to initiate the transfer of funds from my XXXX XXXX to my Optum HSA I noticed Optum had an incorrect value displayed for my XXXX XXXX of only XXXX XXXX. When trying to complete the withdrawal for the full XXXX XXXXXXXX, Optum rejects my requests with a message that I can only transfer $ XXXX. On XX/XX/year> at XXXX I called Optum 's XXXX XXXX and made them aware of the issue ( call reference # XXXX ). The representative clearly understood the issue and assured me she had escalated it and I would receive a response from the escalation team within XXXX. She confirmed my correct contact info. XXXX hours passed with no response. I called Optum again XX/XX/year> in the afternoon. They had no update but assured me the issue with escalated and I would hear back soon. This has repeated everyday including today ( XX/XX/year> ). I also called XXXX, but they claim that all XXXX transfers must be initiated through Optum. No progress appears to have been made. I simply need the XXXX XXXX of my money Optum is not releasing. On every one of my 6 customer service calls with Optum I have stressed the urgency of needing these funds. They are not taking the issue seriously. The freezing of my funds has caused me financial harm and taken a significant amount of my time.
Consumer complaint received 2022-07-27
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. (AZ)

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 accounts 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 accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 accounts/items which do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX 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 2022-07-27
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. (AZ)

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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 accounts/items which do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Outsource Group, Inc (MO)

On XX/XX/18 both my mortgage lender and I attempted to get XXXX XXXX to notify the credit bureaus that my collection account balance of {$390.00} had been paid in full on XX/XX/18 and/or supply a verification letter in order for the lender to attempt to notify the bureaus that the debt had been paid to increase my credit score so I could close on my home. The numerous times that XXXX had been contacted we were given conflicting information as to if or when the credit bureaus would be notified. They refused to supply my lender and me anything in writing to indicate that the debt had been paid ; with the last conversation ending in the bureaus could possibly be notified sometime this month or next month.
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, My name is XXXX XXXX please see all enclosed documentation that all 3 bureaus failed to respond to and on. Enclosed is FTC complaints and reports regarding delinquent accounts posted to my credit report along with no response that has been included within 30 days.
Consumer complaint received 2019-01-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

XXXX ACCT # : XXXX RUSHMORE LOAN MGT SERVICES LLC I have been trying to close this acct for 4 months, receive the Lein, and have the HELOC reported as Paid in Full to the credit bureaus. The attempts have been made verbally, faxed in and submitted their Equity Line of Credit Change Form 3 Times having written 3rd Request in Red on the last form submitted. 

I called the company on XX/XX/XXXX and s/w a HELOC customer service rep and repeated the above scenario. I told the Rep that if the HELOC was not closed, I would report it to the CFPB. The Rep stated he s/w the Payoff Dept and I would received the cancelled Lein advising the closed HELOC within 3 - 5 Business days. As of yet, I have not received anything other then another letter requesting I once again, complete the Equity Line of Credit Change Request Form. 

Per the attached, you will see a Zero Balance and Credit of {$75.00}. The credit was to be applied against their {$74.00} Recording Fee. The funds were submitted to Rushmore via  Bank check ( XX/XX/XXXX ). 

I have never received such poor customer service and the run around in trying to get this reported as Paid in Full.
Consumer complaint received 2019-01-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I am a single mother and work full time for the XXXX XXXX XXXX. I work 60 plus hours per week. I have four private student loans which are now owned by Navient. I have been paying on my loans since I graduated with my XXXX in 2009. My federal loans qualify for the income based repayment option. These four private loans are placing myself and my family in a hardship and Navient is not willing to work with me. I am currently paying {$310.00} per month. I had to let the loans default for months due to Navient not willing to work with me. Six months ago, I was paying {$250.00} and after the six months, they raised the rate and it will increase again in XX/XX/XXXX. I call every six months and are insulted by their workers. I am in tears at the end of every call and am told " This is not our problem. Get a second job. '' I am told that I need to work more to pay the loans when I am calling to try and get a lower payment.

They do not apply my automatic payment correctly each month. I have to call each month because I am getting threatenting calls and once I call, the automatic payment is applied correctly. My Navient account shows loans as past due when they are paid. In XX/XX/XXXX, they withdrew over {$700.00} out of my account without my authorization. I called and they refunded the money to then turn around and take out over {$400.00}. They give no clear statement as to why a certain amount of money is taken out. I call and one person gives me an amount to pay, I sign up for the program and then I am told by another that the loans dont qualify for that program and owe more money.

After my mortgage and all bills are paid, I have {$100.00} to my name. I work hard and have no time in a day for a second job. I am sometimes in the negative each month due to Navient. I did not know what I was signing up for when I took out Private Loans. The payback process was not explained to me when I was trying to put myself through school. They have taken money out of my account without authorization and when I call, they tell me that I have to make that payment or I would be taken to court and my paycheck would be garnished.

Navient harrassess and bullies people. I am considering bankruptcy in an attempt to file for undue hardship becasue of these loans. I try and work with this company and try and pay what I can. They are not willing to work with anyone and steal money. I will never see the end of these loans. The amounts that are now owed do not make sense and I am always having to pay a different amount and when asked why, I am told thats the amount and either I pay it or be taken to court. My family members are witness to the harrassment and bullying. I am willing to do anything to seek help. Navients practices are not ethical and they should not be in business.
Consumer complaint received 2019-01-14
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello and I have submitted multiple disputes to this case and has not yet resolved the problem I have in my bureau of XXXX 2 months late payments XXXX and XXXX I have never had late payments with the company capital one Account closed always been punctual in my payments I have the account statements that confirm my punctuality with payments to capital one please update my payment history ..
Consumer complaint received 2019-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT WORLD SERVICES, INC. (KS)

Credit World has been notified on four occasions that a debt they are showing active on my credit report was discharged in a bankruptcy RE : XXXX XXXX XXXX Case No. XXXX. They continue to show it open although the have been notified. I don't even believe the debt is valid as I never received anything with regards to the debt it just appeared on my report and was the ncluded in a chapter XXXX. I have called Credit World three times the were suppose to send me a report showing the validity of the debt which I never received. They need to remove this or so it discharged and not active they refuse to do this. This collection agency is notorious for not abiding by the Fair Debt Laws.
Consumer complaint received 2019-01-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Hello and I have submitted multiple disputes to this case and has not yet resolved the problem I have in my bureau of experian 2 months late payments XXXX and XXXX I have never had late payments with the company XXXX XXXX Account closed always been punctual in my payments I have the account statements that confirm my punctuality with payments to XXXX XXXX please update my payment history ..
Consumer complaint received 2022-07-27
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. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2019-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITY NATIONAL BANK (NY)

I currently hold the bank 's Visa XXXX card which includes many travel benefits and costs {$400.00} per year. On XX/XX/2019, I was charged the annual fee for the upcoming year. On XX/XX/XXXX, the bank decided without prior notice to remove many of the card 's benefits for the upcoming year. Included in this change is the discontinuation of the Visa XXXX Discount Air Benefit, the addition of a charge for all guests that accompany the primary member into a Priority Pass lounge, the discontinuation of gasoline and grocery purchases earning bonus ( triple ) points, and a cap of {$350.00} in Airline Incidental Fees Statement Credits per card account ( versus {$250.00} per cardholder including additional cardholders ). 

I discovered these changes on my own several days after they occurred ( the bank has not yet formally informed me ). I was advised by the bank that I would be unable to receive a refund of the {$400.00} annual fee even though there were significant changes which were released one day after the fee was charged to my account. I inquired as to whether account closure or a downgrade to another product would suffice to receive a refund and was informed that it would not.
Consumer complaint received 2018-05-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Navient has refused to discuss my options as my rate reduction program is coming to an end. I am unable to pay the amount they are requesting starting XX/XX/2018 and they are refusing to discuss or make available any repayment options. The amount they are demanding is so drastic to my already thin budget that it will negatively affect my life and ability to meet my other financial obligations. 

Please reach out to Navient on my behalf and express that their practices are unethical, unfair, and their treatment of their debtors is inhumane, inconsiderate, and unkind.
Consumer complaint received 2019-01-14
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (SC)

The credit card collection agency wrote to my address threatening me with a lawsuit and to seize anything in my name for the debt. They portrayed themselves as lawyers and even went so far as to file it with our county courts. I dont owe them I dont have a contract with them. They bought my debt from a credit agency who has since wrote off my debt. In accordance to the law of contracts once a debt is written off its no longer owed. They sold my debt and were paid for it. I dont have a legal contract with midland funding please help.