davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2019 I mailed XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX a debt re-payment contract agreeing to pay {$25.00} per month starting XX/XX/2019 until my debt is paid. XXXX XXXX agreed by cashing my post-dated check. XXXX XXXX is reporting that my account ( s )  are delinquent/charged off. XXXX XXXX cashed my post-dated check ( s ).
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  Date of inquiry : XX/XX/2024 XXXX Date of inquiry : XX/XX/20XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/202XXXX XXXX Date of inquiry : XX/XX/2024 and so on!
Consumer complaint received 2019-08-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

I received a mailer with a unique code to apply for a HSBC checking account in XX/XX/2019, with an offer for {$350.00} bonus if bringing in {$10000.00} new money in the bank account. I immediately transfer the money in and wait almost 6 months ( since the promotion said bonus will be posted 6-8 weeks after 90 days ). After 5 months I contacted customer service to see what's happening and they said they will open a case to see why it's not posted. Noone contacts me and 1-2 weeks later I called them again, they said my account is disqualified because of 2 reasons. The 1st reason is i have had a relationship with them before in the last 3 years ( and when I asked them what relationship, they couldnt identify or tell me anything about it ). There is no location near me so I couldnt have had one with them, and they couldnt find it in their system to give me more info. The 2nd reason is that they didnt find an offer attached to my account when it was opened. This is ridiculous since it has a unique code send to me, and when I clicked apply, the offer was successfully applied.

I feel like HSBC is de-frauding me and not giving me the bonus as advertised, and the reasons they give me for denying me the bonus is bogus and there is noway I can prove anything or disprove anything with them.
Consumer complaint received 2018-04-09
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. (MS)

The company said that it would NOT make a hard inquiry but they did and it lowered my score. 

They used the name XXXX and call two or more times a day. It has turned into harassment. 

THEY SHOULD NOT HAVE RUN A HARD INQUIRY! THEY SAID THEY WOULD NOT.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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 2018-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX and Transunion is reporting and inaccurate bankruptcy on my credit report. XXXX just recently removed it. 

I have attached a letter on company letter from the courthouse address in which both bureaus sent me an updated report on, the courthouse would be the valid furnisher. Both XXXX  and Transunion failed to validate the unverified and inaccurate bankruptcy in compliance to Fair Credit Reporting Act 601 a ( 2 ). Both bureaus have XXXX XXXX and XXXX and verification methods, but The Fair Credit Reporting Act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings. The Law clearly states date of adjudication or date of order for relief. You have no right to maintain information which the  government has deemed as non-existent. I am exercising my rights in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act that you delete this from my credit report and send me an updated copy.
Consumer complaint received 2020-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2020, I authorized PayPal to pay for a service. I have paid via PayPal many times in the past. The service is XXXX lessons for my son. This business has been running for years, and the owner requests his students pay him to his own PayPal business account. 
On this date, PayPal withdrew funds from my credit card, but flagged the authorization as suspicious. Upon calling them, they demand to know my sons birthdate. I said that is an intrusion of my sons privacy, he is not a minor, and his birthdate has nothing to do with the financial transaction. 
PayPal will not tell why they need his birthdate, refuse to pay the vendor, AND WILL NOT RETURN THE MONEY BACK TO MY CREDIT CARD. 
I have paid the vendor in person. 
I want PayPal to release my money, and credit my card.
Consumer complaint received 2021-12-05
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: EQUIFAX, INC. (NY)

On XXXX I sent a letter regarding inaccurate & unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. Section 611 ( a ) it is plainly sated a failure to investigate these items in XXXX days gives a reason to immediately remove those items from credit report. It has been over XXXX  days so they should be deleted promptly. My information was also impacted by the Equifax data breach & may have got in the hands of the wrong person.
Consumer complaint received 2020-12-02
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2023-04-07
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. (OK)

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. 

1-XXXX XXXX opened XX/XX/XXXX {$210.00} 2-XXXX XXXX opened XX/XX/XXXX {$420.00} 3-XXXX XXXX opened XX/XX/XXXX {$900.00} 4XXXX XXXX opened XX/XX/XXXX {$1000.00} 5-XXXX XXXXXXXX opened XX/XX/XXXX {$10000.00} 6-XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$530.00} 7-XXXX XXXX opened XX/XX/XXXX {$1600.00} 8-XXXX XXXXXXXX  opened XX/XX/XXXX {$520.00} 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 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 2021-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-02-27
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. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I XXXX XXXX ORDER COPIES FROM ALL THREE MAJOR CREDIT BUREAU I NOTICED THESE REPORT WHERE SHOWING I BEEN PLACE FOR COLLECTION FROM A COMPANY NAME FAIR COLLECTION OUTSOURCING CALL THEM UP TELLING EMPLOYEE THERE BY PHONE THAT I DEFINITELY DISAGREE SO I FILE A DISPUTE WITH ALL CREDIT BUREAU TIME PASS I REMEMBER BEFORE MOVING OUT TO A NEW APARTMENT THEY REQUESTED I NEED TO GET A RESIDENT VERIFICATION LETTER FROM PREVIOUS LANDLORD THAT I DID GET FROM THEM DATED XX/XX/2015 WITHIN VERY GOOD STANDING MY RENT IS DUE XXXX OF EACH MONTH WITHOUT LATE FEE AND XXXX BALANCE NO EVICTION
Consumer complaint received 2018-10-10
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. (OK)

I paid in full on the account with XXXX XXXX for the {$290.00} dollars on XX/XX/2018. In the front of the check shows paid in full as agreed when they accepted the terms and conditions when they cashed this check. Also the XXXX rep that made the deal told me that this account will show paid in full and the account will be deleted from my credit report. And that is not the case so I'm now compelled to file a complaint with your company to force XXXX XXXX  to remove this negative information off of my XXXX  credit report and Experian credit reporting agency. And the name that XXXX is reporting of XXXX XXXX XXXX is not my name and is inaccurate information about me. My name is XXXX XXXX  XXXX XXXX is my name.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have disputed the late payments on this XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2021-12-05
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: EQUIFAX, INC. (DC)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2021-12-05
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: AMERICAN EXPRESS COMPANY (NJ)

XXXX, XXXX, through XXXX charged my American Express Platinum card XXXX bathing suits at {$660.00}, I did not order or received. 
American Express platinum covered the charges. {$660.00}. 
XXXX reversed the charges, {$660.00}. 
American Express Platinum did not reverse their covered charge. 
I am left with a fake charge of {$660.00} from American Express Platinum, I am expected to pay! 
I wish to reverse American Express Platinum charge {$660.00}, asap.
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (RI)

on XX/XX/17 I had my kitchen redone by home depot. The charge on my credit card was for XXXX. I have been paying my bill monthly and lowered my bill to XXXX. I received a bill in the mail that charged me XXXX in interest, bringing my bill up to XXXX. I feel this is excessive and I was unaware of the interest that would be added to this bill by a certain date. If I had been fully informed of this practice I would not have agreed to this knowing my financial limit. I called and spoke to someone on the phone declaring my concerns and they closed my account and and stated I can pay a certain amt for 5 yrs. I feel violated and feel I was misinformed of this credit card rules. I work hard to keep my credit in good standings and this grossly unjust interest has set me back. I can't believe this could be a legal practice. Please advise.
Consumer complaint received 2022-06-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (KY)

I found out to late Ive been scammed because the collection companies never lower the debt after 13 years plus changed my collection company 3 times to find out they are scamming me from all the payments Ive made over 13 years and they are not my original creditor that I owe its not fair Im a senior XXXX XXXX XXXX XXXX since 2007 the original creditor was a financial company who never tryed to help me my income is XXXX $ a month Im having hardship even since I went to as I said didnt know they were debt XXXX I need help they are trying to for close on my loan that should have already been paid off my credit report shows I dont owe any one paid with a XXXX balance but this XXXX XXXX XXXX XXXX  XXXX says I owe this bill Im XXXX and didnt know that collections not from original creditor could keep harassing me plus invading my privacy with out even letting me know which my daughter and husband and me caught a lady starting to take pictures of my house yesterday the XXXX hidden behind my tree trying to take pictures of my home which invaded my privacy I talk to the law about it and her she told me she was from the XXXX XXXX XXXX  which she didnt notify me at all no police to excort her now Ive been harassed by this company called Fay servicing LLC which XXXX do not owe I need help Im a XXXX  who is XXXX  and has a XXXX XXXX and by law I shouldnt have to keep paying debt collectors for something I dont owe I had written them a letter asking for the proof of my original creditor the loan debt the proof they own this loan
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2019 I mailed XXXX XXXX XXXX / XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX a debt payment plan contract offering to pay {$25.00} per month until my debt is paid. XXXX XXXX accepted the terms of my contract by cashing my post-dated check. XXXX XXXX is reporting that my account ( s ) is delinquent on my credit report. XXXX XXXX   cashed my post-dated checks early. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX ( XXXX ) XXXX XXXX Mastercard / XXXX  Acct # ending in XXXX XXXX Mastercard / XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/2019 According to my XXXX account online records, I owe {$6000.00}. I am not disputing this debt but, my financial situation does not allow me to pay off the debt using the minimum payments that you're demanding. 

I agree that I am able to pay {$25.00} ( XXXX dollars ) on  the XXXX of every month starting XX/XX/2019 until the debt is paid off. I would appreciate a confirmation letter from you documenting your acceptance of my payment terms. However, if I do not hear from you, I will consider your cashing or depositing my check as confirmation that you accept my payment terms. My rights are protected under the law and refusal to accept my payment terms will void/cancel the debt. If my payment terms are rejected I expect the payment to be returned to me immediately in the enclosed self-addressed stamped envelope. 

*** A COPY OF THIS DOCUMENT WILL BE PROVIDED TO XXXX, TRANSUNION, XXXX  & THE FEDERAL TRADE COMMISSION. ***
Consumer complaint received 2022-06-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  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 an account without my written instructions.
Consumer complaint received 2019-08-25
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 (PA)

Capital One Credit Card Report # XXXX for XX/XX/19 both cards ending on XXXX  report account last XXXX XXXX & XXXX page 3 of 10 show ( ND ) in which the payment was made on XXXX XXXX   has error after error in reporting the correct information. Also XXXX   wants to blame the reporting company it goes on and on with XXXX   reporting info correctly.
Consumer complaint received 2022-06-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  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 an account without my written instructions.
Consumer complaint received 2018-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

The mortgage payment increased and I could not afford the new payment so I fell behind. 
Then when I tried to workout a new payment the mortgage was sold and I worked with several different companies starting with XXXX XXXX and then XXXX XXXX and SPS. I sent every paper that they requested but they never followed thru with a new mortgage
Consumer complaint received 2021-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AL)

Hello, My PayPal email : XXXX has money which I can not transfer or use. The 180 days are over yet the money can not be used. All I would require is help so that I can be able to use my money. 

PayPal address : XXXX Thank in advance for any help granted.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion credit report shows 6 hard credit inquiries for 2 dates ( 3 on XX/XX/2023, 3 on XX/XX/2023 ) due to hard pulls on credit file for auto shopping at 2 dealerships. 2 vehicles purchased jointly. 
The CFPB website states multiple credit inquiries for auto loans are to be treated as a single inquiry when done within 14-45 days. 
Contacted Transunion and advised of this. They stated ALL inquiries will remain on credit profile for 2 years.
Consumer complaint received 2019-08-25
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)

XXXX XXXX Credit Card Report # XXXX for XX/XX/19 both cards ending on Experian report account last XXXX XXXX & XXXX page 3 of  10 show ( ND ) in which the payment was made on time> Experian has error after error in reporting the correct information. Also Experian wants to blame the reporting company it goes on and on with Experian reporting info correctly.