davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

As I was not using my credit card, I asked my account manager at HSBC to close my account in XX/XX/XXXX, to which she replied by email " Okay, I will close the accounts ''. 

In XXXX I was contacted by HSBC credit card department saying that there was pending charges on my card I should pay. 

I contact my banker again to clarify the problem to which she replied by email on XX/XX/XXXX " I spoke to out fraud team and they are in the process of refunding the charges and closing the account. I will confirm with you next week once the account has been closed. '' Then on XX/XX/XXXX she sent another email " Confirming the account has been closed. '' I saw my credit score drop around XXXX and then again in XXXX when several major derogatory were reported from this credit card at XXXX. 

I have been calling HSBC credit collection department since XXXX and share the thread and they told me they would cancel the charges and remove the reports on my credit score. 

It has been now more than XXXX months, and I can not buy a house and take a loan because of this issue.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion and XXXX  had my XXXX XXXX XXXX paid in full on XX/XX/19 showing XXXX balance and paid collection account. Then on XX/XX/19 Transunion put the {$91.00} balance back on my XXXX XXXX XXXX and XXXX {$410.00} stating it is owed again and account in collections lowering my credit score over 25 points!! I don't understand how Transunion and XXXX can increase a XXXX   balance once the account is paid in full? I called customer service they were of no assistance I am trying to purchase a car I can not afford to have this happen to my credit report!!!
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Blackhawk Network Holdings Inc. (MI)

I attempted to buy a {$50.00} gift card online from XXXX on X/XX/2017. I received an email from the company alerting me that my order was declined and that I would be charged a {$1.00} preauthorization fee from the debit account I gave them. It simply states " We understand this is frustrating, but in order to provide our customers with the highest level of security, we can not share any further information. '' There was no reason for the order to be denied as the account had more than enough funds to complete it. I searched this company afterwards, and it appears others have faced the same issue of money being charged from their accounts and their orders being denied. I believe this company is doing this repeatedly to extract payments from customers.
Consumer complaint received 2023-04-02
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: Early Warning Services, LLC (GA)

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX XXXX  Acct XXXX. : XXXX Date XXXX Below are the following US Code violations these entities have committed.

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show Early Warning Services, XXXX, and XXXX are all in direct violation. As Ive yet to be contacted via phone by any of these entities regarding the deletions or blocks that they detail in their previous responses. These blocks Early Warning Services places on my report immediately get removed with NO details of the investigation, regardless of all information I supply them with that, quite literally, details all aspects of my identity theft.
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I haven't received the last 2 statements from Home Depot credit services. Apparently my minimum payment changed for the first time in 15 months from $ XXXX/mo to $ XXXX/mo and I wasn't properly notified because I didn't receive my statements. When I contacted the bank and asked for copies of my statements and a refund they stated they were unable to refund the fee because it was my fault. Even though I told them I didn't receive my statements, which by law I'm allowed to have time to review prior to the payment due date.
Consumer complaint received 2023-01-12
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, # XXXX # XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # N/A 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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 than seven 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 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOTIVE CREDIT CORPORATION (PA)

Automotive Credit on account numbers # XXXX, XXXX and XXXX have responded in sync with XXXX stating that they investigated my last CFPB complaint and found all reporting to be accurate. The findings were false and clearly not even accurately looked into. It seems to be that both companies simply just stated all was correct to advoid actually looking into and addressing the incorrect reporting. 

A simple example of this is attached here to with the photo of my Credit report showing the automotive credit tradeline. As you can see the status and balance were updated XXXX of XXXX, however when looking at the month of XXXX its stating that the payment was 60 days late.. how can some thing updated in XXXX say that the month of XXXX is 60 days late? In fact it was not late in fact none of the payments have been late. Furthermore we are in XXXX and they havent reported for XXXX, XXXX, XXXX or XXXX despite payments now being made for all months though XXXX, cause we are actually paid ahead and in no way late ever on these accounts. 

Automotive Credit and XXXX have been Falsely and fraudulently reporting incorrectly and causing me harm to my credit profile and borrowing ability cause of their total neglect for accuracy
Consumer complaint received 2019-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MO)

XXXX 's mortgage payment was submitted on XX/XX/XXXX. It was refunded by the mortgage company XX/XX/XXXX. I resubmitted the payment on XX/XX/XXXX. It was refunded by the mortgage company XX/XX/XXXX. Made a pay by phone payment on XX/XX/XXXX but it was not processed. XX/XX/XXXX a payment was made. It was refunded XX/XX/XXXX. 
They are not processing our payments. T
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have recently obtained a copy of my credit file and there are many mistakes in my report. XXXX - XXXX : Unverified account XXXX XXXXXXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account
Consumer complaint received 2017-07-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

More than 10 years ago I was given many false promises about financial aid and student loans. I was told there would be zero interest. I was told the loans would be capped off at a certain amount. I was told many lies by my school the loan complains and advisors. Now I 'm $ 60,000+ in debt for going to a two year XXXX college that only costs {$80.00} per credit for a two year general studies degree.
Consumer complaint received 2022-10-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION (MD)

I have a current bank account with Navy Federal Credit Union. I had a charged-off loan from XXXX. On Tuesday, XX/XX/XXXX, {$350.00} were deducted from my primary checking account. When I called to inquire, I was told it was taken for the charged-off loan and because they saw a large deposit made in my account they decided to deduct funds. I wasn't given prior notification. I do not have a payment arrangement for a charged-off loan. The debt collection statute of limitations has passed. I want my {$350.00} back. 

When I asked for it to be returned, I was told they didn't have to return it and could take monies at any time even though it's charged off and I don't have to be notified.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the fair credit reporting act. The list of accounts below has VIOLATED my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME : 1.XXXXXXXX XXXX XXXX ACCOUNT NAME 2.XXXX XXXX XXXX ACCOUNT NAME 3.Department of Treasury XXXX ACCOUNT NAME 4 . XXXX XXXX XXXX ACCOUNT NAME 5 XXXX XXXX XXXX ALL HAVE 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.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antidotes the report by more than seven 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 information is inaccurate.
Consumer complaint received 2024-03-06
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. (NY)

Despite my continued efforts, I have yet to see any resolution to these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I consider this matter of utmost importance. Should you disregard my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough reexamination of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. If such evidence can not be provided, I demand the immediate removal of these items from my report.
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (LA)

Ive been trying to resolve this issue since XXXX of XXXX. I had a checking account with Chime. On XX/XX/XXXX of XXXX, a charge hit my account from XXXXXXXX XXXX XXXX  for {$4000.00}. I have never XXXX XXXX XXXX  from this company. 
I am a victim of identity theft, and I sent my identity theft report and police report to Chime. They denied my claim. I asked them for documentation of what they did to investigate. What they sent me said that all they did was call XXXX and an agent told them over the phone that their info in the computer matched my information. 
Chime told me that my old Virginia license was used to rent the car, and I havent had that license since XXXX. 
Also, the dates that the car was rented, I was in the XXXX  in Louisiana. I sent them documentation of that. The car was rented in XXXX, Florida. They still refused to remove the charge. 
I wasnt aware that I could go through this service to try to get this resolved, or I would have done so much sooner.
Consumer complaint received 2022-12-15
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. (CA)

XXXX XXXX XXXX I was reported delinquent on payments for following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have tried calling this lender to dispute above mentioned, but unsuccessful. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-12-15
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. (NY)

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 Section 2 : 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 unde, an open end consumer credit plan as late for purpose.
Consumer complaint received 2018-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NRA Group, LLC (OH)

XX/XX/2018 total of {$430.00} which was included in a bankruptcy. I do not owe this dell debt. Once applied to credit it affect my credit score with a decrease off 100 points. This is not my mistake and I want it removed.
Consumer complaint received 2022-10-05
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: TRUIST FINANCIAL CORPORATION (VA)

On my birthday XX/XX/2022 I last used my credit card in question. I didnt realize I had lost the card until about a week later, when I realized a charge for XXXX was made on the card. I quickly called my credit card company ( Truist ) and made them aware of the fraudulent activity. As I was on the phone with them I looked through my belongings and realized my card was no where to be found. Truist opened a claim and denied it. I called them back and they stated that I am not able to appeal the claim and that the reasonings as to why my claim was denied would be sent to me via mail. I looked through my options and how to move forward with this and came across CFPB, hoping that they would be able to assist in this horrible incident. I am paying for a charge I did not make on my lost card.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello I have a Capital One credit card that I m cardholder since 2006, I never had a late payment or any type of issue, this card has not been used since 2 or 3 years since I decided not to used anymore but I didn't closed the account to not affect my credit score since I m not using the card I do not use my online access either but was until last week that I realized that my credit score went down 95 points and i started researching and they had charge me a card membership fee for {$39.00} dollars what I didn't know or didn't remember and they try to charge my bank account but they had an old bank information and the payment was returned, I do understand that its my responsibility and that this credit card even though I m not using for almost 3 years they haven't closed the account. But I would like to get help since because of {$89.00} dollars they report to the credit bureau and that make my credit go down by XXXX points, I m in the process of buying a house and this has stop the process, since this has affected so much the process, I'm asking to please help me to remove this from my credit since my credit history has never been so affected.
Consumer complaint received 2022-12-02
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to DELETE these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I have contacted XXXX regarding this inacccurate information on my credit report and they have yet to remove this inaccurate info. In addition I have contacted the source in which they claim to have verified the information and that stated, in writing that they have no record of any information and no idea why XXXX XXXX is reporting this lie. I have called them and they have given me nothing but the run around. I need help because this is adversely effecting me.
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (OH)

National credit systems threatened me with legal action, placing eviction on my credit report, repeatedly call my cell phone without my consent, misrepresentation, have not shown documentation etc. have effected my personal life and finances misrepresenting false claims on my credit profile.
Consumer complaint received 2017-07-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (IN)

For almost 4 years I have been trying to get a loan modification from XXXX with no success. I have been trying keep my family in our home. I am 18 payments behind. For some reason XXXX sold my loan to selence finance. Now I am trying to get one done with Selence and they will not work with me either. I have asked both XXXX and Selene Finance to send me a copy of my original loan papers just to see if they are even allowed to forclose on me. My payment has went up almost 400 a month and since for some reason the they will not explain. They wont even tell me the investor that owns my loan. I have been scamed by to different companies that said they could get me a mortgage modification. They are XXXX XXXX and XXXX. to the tune of over 53 hundered dollars. My account number with Selene financial is XXXX and I owe about 220 thousand dollars on the loan. The Builder that sold me the house had the appraisal pushed to XXXX XXXX dollars and trade my home in on their new one. He could not even get XXXX dollars out of the house. and after a couple of years the owner of the company came to me and said he is giving me back my old house. He never took it out of my name. the payment on the house was almost 1100 dollars and i could not afford to take it back and was forced to file bankrutcy. The state of indiana attorney general sue the builder XXXX XXXX for several hundreds of thousands of dollars in fines because the did that to more than just me. My loan or account number with Selene financial is XXXX. Please help me get a loan modification so I can keep my family together. I can afford about XXXX to XXXX per month if they will modify the loan to that. Sincerely XXXX XXXX XXXX