davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

I had a total of 37 transaction dating back to XX/XX/2019 to XX/XX/2019 where I filed a dispute with HSBC because I never received the items I purchased. On XX/XX/XXXX of this year, I filed a dispute on all these transactions following the protocol HSBC advised me of. I was told the merchant has 45 days to respond to my dispute and if they haven't, I would be refunded my money. As of today 's date, which is the 50th day, I have not received my funds nor had the bank communicate to me as to why I haven't received it even though they have not responded.
Consumer complaint received 2022-10-07
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)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2021-06-11
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. (TX)

Spoke with representative over the phone XX/XX/XXXX for dispute of late fees on accounts With XXXX  XXXX XXXX  Account # XXXX regarding a late fee from XX/XX/XXXX mention to them my consumer rights under USC 15 1666 ( A ) regarding Timing of late fees a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. the representative said they would do an investigation. I explained that would be fine. on XXXX I recieved an update that the file had been updated the late fee has not been removed. Under USC 15usc 1681 3 ( e ) No investigation was done with my neighbor, friends are family.
Consumer complaint received 2019-06-11
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: SYNCHRONY FINANCIAL (MS)

I checked my credit report using XXXX XXXX and I received an email from XXXX XXXX stating that Syncb/XXXX ( National credit card/Airlines was added to my report. The report says Inquiry from XX/XX/2019. I have never heard of or use whatever this maybe. I dont know where it came from. It was a hard inquiry on my report and I need it resolved.
Consumer complaint received 2022-02-21
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (NV)

XXXX XXXX sold debt to NCB XXXX XXXX NCB Management Services Inc . 
Address : XXXX XXXX XXXX XXXX, PA XXXX Customer Inquiries : XXXX Business Inquiries : XXXX Email : XXXX They call me daily, if not several times per day. Each time I have answered and simply stated to stop calling this number. I also filled out their Opt-out form via their website. 
I do not want them calling me any longer.
Consumer complaint received 2022-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (CA)

Per the company ( CARMAX AUTO FINANCE ) statement my monthly payment is considered overdue but there is a period of time I have between my due date and the next bill being generated that I can pay the bill and any late fees applied where it wont hit my credit or go into collections. I called them and notified them that the payment would be late yet they persisted to call me EVERY DAY LAST WEEK before I finally called them and applied a payment as I had finally been paid. I have told them to stop calling me incessantly especially since I ALWAYS call them to let them know Ill be late if thats the case. I want them to be blocked from calling me especially since I have been diligent in paying them no matter what.
Consumer complaint received 2022-02-21
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. (NY)

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST MIDWEST BANCORP, INC. (IL)

XX/XX/2016 The Midwest Bank had made several unapproved withdrawals from my bank account # XXXX XXXX ex XXXX, XX/XX/2016 and transferred it to the Department of Education for a student loan on XX/XX/2016 thru XX/XX/2016, @ {$78.00} per month totaled @ {$390.00} without my approval ;
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (IL)

On XX/XX/2021, the attached debt verification letter was sent to " Diversified Adjustment '' as I had noticed a collection account reporting on my consumer credit report 2 days before. USPS records indicate this dispute was delivered to the debt collector on XX/XX/2021. To date ( XX/XX/2021 ), no further correspondence has been received from the collector as required by the FDCPA. The reporting of this account has prevented me from obtaining a mortgage on my home as indicated in the adverse action letter attached.
Consumer complaint received 2021-06-11
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. (NJ)

This letter is formal complaint that credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify and deleted : 1. Balance of the account is incorrect. Other information I would like changed XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in my credit report. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Consumer complaint received 2023-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

I began process of opening an account with Square so that I could accept creditcards. I am opening a new mobile business but I did not have a website, or even company name yet.

I entered XXXX XXXX to simply get account started. I received notification that my account was open and I could begin accepting payments. I processed a {$1000.00} payment from my own credit card to test their system ( I checked online to be sure this was allowed ). Payment was accepted. 

I received email requesting more information about my business. The information was geared at selling me XXXX  and was not necessary for them to have. I answered questions with as little detail as possible to stop them from selling more XXXX. 

I then received email requesting 3 months of bank statements despite having told them this was a brand new business that I was starting. I was furious at the invasion of my privacy. I had declined to link my bank account with them ( said optional ) but I had provided credit card which was verified to accept payments. 

I contacted support and was told I would have to provide bank statements. This totaled over XXXX pages and I told them it was failing every time I tried to upload documents. I asked for a fax number. They refused and said I must upload. I did upload all the documents but I could not tell if they all went through. I received a confirmation on the site but it did specify the number of pages or files that went through. 

I received email that my account was deactivated and the decision was final. No further information was given. I called Square and was told by agent that they did not have to tell me why they made that decision. They said decision was final. I explained that I wasn't sure if my documents uploaded and that I had not engaged in any fraud. I said there must be a mistake but how can I address this if you won't provide any information. They replied they didn't have too. They then said the {$1000.00} transaction would remain suspended for XXXX months ( though payment went through on my credit card ). 

I have since tried to contact Square through chat, text, and phone. I am blocked from speaking to anyone. If I try the chat, it simply says there was an error or leaves me on infinite loop without connecting. When I call I get message that I have been denied an account and to check my email and spam. The email they are referring to says nothing but what I said above. 

These are my issues : 1. I have never been accused or been involved in fraud of any kind.

2. I found out later with XXXX XXXX that my account had been below XXXX because of a fraud by an online company. That was resolved but I could not tell Square this. I have never had a negative balance before that. 
3. How do they have the right to hold funds for 3 months when the consumer is paying interest on that payment? 
4. How can they refuse to provide any information about why the account has been deactivated? This is against Due Process!
Consumer complaint received 2023-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (MA)

Commencing on or about XX/XX/, I fell victim to a multilayered scam operation orchestrated by XXXX, which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX account to fraudulent investment firms.
Consumer complaint received 2021-09-25
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: Self Financial Inc. (NV)

Re : XXXX, XXXX, and XXXX Credit Reporting I am a consumer that filed a Chapter XXXX bankruptcy in XXXX, where I am paying my debts to a court trustee and have never missed a payment. The circumstances regarding the Chapter XXXX were due to XXXX  issues, prior to this my accounts were in good standing. 
To improve my credit score, I have disputed a few items including pass addresses that were not associated to me but remain on my credit report. I recently, joined SELF a company that helps to improve credit, and advertised as a savings program. 
It appears to my dismay, after completing the program ( no missed savings payments ), my score went down 11 points with XXXX, 20+ points with XXXX and 59 points with XXXX XXXX My credit history with XXXX has never shown any positivity or improvement no matter how many times I have disputed information with them. XXXX continues to hold my score in the 500s which is utterly ridiculous. 
I called XXXX to discuss the reduction in my credit score and was informed by a representative that the company doesnt discuss credit scores, although I am enrolled in their credit monitoring program at {$24.00} a month. I am afraid to stop the program because I fear my credit score will go down even further. As a consumer, I feel the Credit Bureaus are not accurately reporting any improvements and keeping my credit scores low even though a Chapter XXXX is more favorable ( debts are being paid and not reduced or excused by the court as a Chapter XXXX ). 
I expressly feel that SELF may be selling an idea of credit repair, credit boost, or credit improvement falsely to consumers. I never saw my credit scores improve with any of the credit bureaus as evident with my credit scores reported on XX/XX/XXXX. 
What recourse does a consumer have? I want to see a fair improvement with my credit scores for all bureaus. So fair that has not happened. 
XXXX offers XXXX XXXX, however if you disconnect your bank information the score falls back to the XXXX. I am seeking help with unfair credit reporting!
Consumer complaint received 2022-12-03
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. (MI)

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, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX  XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX  XXXX, Account Name : XXXX XXXX XXXX  XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, 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 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: ALLY FINANCIAL INC. (FL)

I received an email offer from Ally Bank stating that I was " pre-approved '' for an Ally Bank credit card. The offer stated that I would receive {$200.00} after spending {$500.00} on the card. I received XXXX of these emails within one week. Obviously, since I received 2 emails, Ally Bank must have checked me out to determine that I was " pre-approved. '' The offer is misleading. In most cases, " pre-approved '' means that you qualify unless the company determines that the information you provide in the application is false or can not be substantiated. Ally Bank must have checked my credit report to determine that I was " pre-approved. '' The application process then asks me for employment, asset, and income information. Ally Bank misleads consumers to believe that they are " pre-approved '' for a credit card, when, in fact, they are simply fishing for a consumer 's financial information in hopes of marketing other products to the consumer. Ally Bank and other financial institutions should be STOPPED from using the terminology of " pre-approved '' when the financial itself has reached out to the consumer with the " pre-approved '' offer. As I stated earlier, I received the same email solicitation from Ally Bank within a 1-week period XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Servicing Group LLC (CA)

Company ASG contacts my cellphone multiple times a day on a daily basis looking to collect a debt from XXXX XXXX. Im not XXXX XXXX, nor do I owe this debt. I have gone through their automated service multiple times to remove my cellphone number. I have told them Im not the person being sought, that person does not own or have access to my cellphone number, and they are not a relative. I have repeatedly asked them to stop calling my cellphone. Despite my efforts to resolve this matter on my own, ASG continues to telephone me on a daily basis, multiple times a day.
Consumer complaint received 2021-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

In XX/XX/2021 I disputed an amount paid to XXXX for {$2100.00} Its still being disputed with XXXX thru their license I contacted Wells Fargo several times Several times Wells Fargo were outsourcing my account with the XXXX which I never authorized and knew about InXX/XX/2021 Wells Fargo charged me the same amount ; because of the numerous errors I closed my account because I could not trust the handling of my funds Now Wells Fargo has a deficit in my closed account
Consumer complaint received 2021-07-24
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: Experian Information Solutions Inc. (NC)

I have submitted letters to Experian for the longest now. I sent in hard copy letters ( certified mail ) regarding 6 accounts on my Experian report that they are failing to verify accurately! I have a copies of the letter I sent in. I have not yet received any information in the mail from Experian regarding these accounts explaining that they are mine. No one has sent me information on how they verified these accounts. You can just select " verified with company ''! NO I want to know how you verified this information, who did you speak too, what was the agent name, time, and more! I want to see a physical copy with MY SIGNATURE on it verifying that, those are my accounts. Accounts are listed below. 

XXXX XXXX : Account number XXXX  ... 
XXXX XXXX XXXX XXXX XXXX : Account number : XXXX : Account was PAID AND FULL. There shouldn't be a LATE PAYMENT up there. Please remove inaccurate information. 
XXXX/XXXX  : Account number : XXXX Account is not mine. Please validate, remove from my report. 
XXXX XXXX XXXX XXXX : Account number : XXXX, Account is not mine. Please validate, remove from my report. 
XXXX/XXXX  : Account number : XXXX Account is not mine. Please validate, remove from my report. 
XXXX : Account number : XXXX ... Account is not mine. Please validate, remove from my report. 

Experian failed to send actually proof to my home verifying these account with any of my information on them. They have violated the right under the FCRA. I will sue, if no one can show me signed contracts with my signature for these accounts. These accounts are hurting my credit profile. Thank you for your time.
Consumer complaint received 2019-10-09
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SLM CORPORATION (VA)

I try to call Sallie Mae to resolve my son 's past due student loan and the representative that took the call was threatening, rude and disrespectful. I asked to worked out a smaller payment and she treated me like I was the lowest scum of the earth and yelled at me. I really do not want to speak with any of them anymore because of the way I was treated. Sallie Mae contacted relatives in a different state and secretaries in my office to obtain my personal information. They left voicemails, spoke with our secretaries, and faxed my employer. They call continuously and don't have any respect of boundaries. This is harassment and it needs to stop!