davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I obtained a loan from HSBC in XXXX. I asked XXXX because of concerns about fraud prevalent at the time ) and HSBC rep told me that the loan is a government back loan and pointed to " XXXX XXXX '' in the Note he had me sign. Years later when I tried to modify my loan using the XXXX program I was told that the loan was not government back. That was a major setback for me with significant financial damage. I then tried loan modification with HSBC. After a year of run around, constantly asking for updated documents, misplacing documents, making arithmetic mistakes, underwriter mistake, etc., I was offered a slightly modified loan. I have had some questions about the new loan but HSBC has steadfastly refused to answer my questions, and instead send irrelevant letters, form letters, and conflicting notices. I filed a complaint to CFPB hoping that HSBC would act more responsibly and address my questions. It has not. The Letter it sent CFPB is devoid of any relevant information ; it answered none of my questions, and instead issued an ultimatum. I am writing to ask CFPB once again to induce HSBC to provide answers to the legitimate questions I have, and open an investigation of this and similar cases noting that HSBC has had a history of activities and consumer abuse for which it has been heavily fined by the regulators.
Consumer complaint received 2022-10-13
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. (IL)

I just received my reinvestigation back from XXXX XXXXXXXX XXXX XXXX. ld like to receive the description according to 15 USC 1681i ( 7 ). 
Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 
Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( AXi ).
Consumer complaint received 2019-11-19
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: EQUIFAX, INC. (FL)

I have unauthorized credit inquires that are not mine that I would like Equifax to remove from my credit report. This is causing me an issue to not to be able to apply for credit. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX   XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-11-19
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. (CA)

I recently applied to a new apartment, and as part of their background. They pulled an address that does not belong to me. 

I recently pulled all 3 of my credit reports, and it is stating an address I never lived at.
Consumer complaint received 2022-10-27
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. (WA)

auto dealer supposed to get soft credit check to see if I'm prequalified, but ran multiple time hard pulls without my permission! 
XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I do not recognize who is it/could n't find it XXXX XXXX  - XX/XX/XXXX promised soft check - ran hard instead XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-08-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (NJ)

Hi. I had recently received a call from a collector ( Insight Captial ) stating that I have a summons and that they have been trying to reach me but I did not receive anything. They started that if I did not contact them immediately they will send it to my employer. They said that they were trying to collect a debt of over {$700.00} that I owed their client for return payments. They had all my information like SSI, drivers  license number and home address. I told them I do n't know what they are talking about and owe nothing. They continue to push so I decided to end the call. I 'm not sure what they were looking for but the bank they had on file for me was an old bank ( XXXX XXXX XXXX ) I used almost 7 or 8 years ago. I asked them for whatever they have like contract but they would not send it to me. They wanted me to set up a payment plan with them with me going over the information. Thank you in advance, XXXX
Consumer complaint received 2019-11-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (PA)

I have repeatedly attempted to prevent NAVY FEDERAL CREDIT UNION from removing funds from my checking account to pay for credit debt owed to them. I am aware I am behind, as I was laid off from my previous job and have only just began a new one, but I've yet to receive a paycheck. I do not have money to spare to pay for the late credit cards. Attempts to prevent removal of funds from my checking account proved unsuccessful even after I had explained that they were taking the last XXXX dollars to my name that was going to be used for gas to make it to and from work. I was told I should have " taken a better look at the credit card policies '' by the representative. I was never informed of these collection methods as it is federally unlawful to remove funds to pay for credit cards without my authorization. But I was fooled by the fine print, I'm sure I was not the only one. I planned to pay the owed amount as soon as possible, within the month, as I have more pressing debts to pay such as rent, car note and insurance. This seems to be a bully tactic and I hope for some sort of resolution as I am now backed into a corner and can't even afford to make it to my place of employment. Attempts to stop the unauthorized removal of funds took place on XX/XX/2019 and XX/XX/2019 on a recorded line with their collection services.
Consumer complaint received 2015-12-11
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Specialized Loan Servicing Holdings LLC (FL)

Home mortgage discharged in bankruptcy. Debt collection company sends collection letter. I call and notify them debt is discharged in bankruptcy. Debt collection company tells me I am still responsible for penalties and fees. They refuse to accept validity of bankruptcy discharge. Internet research reveals this company is running a well known scam to illegally collect money that is not owed to them. They are running a con that relies on uniformed consumers fearing them.
Consumer complaint received 2022-10-27
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. (IL)

I am writing to dispute the following information that appears on my Experian consumer report : Account Number : XXXX Source of dispute information : XXXX Bank Type of disputed information : Inaccurate data associated with a credit card account Dates associated with item being disputed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX In accordance with 15 U.S. Code 1681i -Procedure in case of disputed accuracy, Experian has violated my federally protected consumer rights. Which are multiple violations have been made against me, please see attached credit reports and correspondence I received from XXXX Bank with all inaccurate information reported by Experian. When reviewing my credit profile I noticed, Experian has my personal information incorrect, the status CO should not be reported, the date of the initial charge off is inaccurate. Experian is reporting the initial charge of date of XX/XX/XXXX. According to correspondence I received from XXXX Bank the initial charge off date for this account was XX/XX/XXXX ( this information is highlighted in the attached documents. ) The credit limit ( {$6000.00} ) the charge off amount ( {$6300.00} ), and the past due amount ( {$6500.00} ) are all different. This is not legally plausible thus inaccurate. Furthermore, Experian is the only credit bureau reporting this inaccurate information as evident by the attached credit reports from XXXX and XXXX. This is also a violation. I demand the deletion of said information from my credit profile and I demand {$1000.00} per violation, for the listed infractions associated with XXXX Bank account # XXXX.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I received a notice in the mail that my Bank of America credit card had been put on hold due to suspected fraudulent activity. That weekend I also received an email notice that I had a new account on my credit report. On Tuesday XX/XX/XXXX I called Bank of America wanting to verify if the letter was legitimate communication from them. They informed me that a Bank Of America XXXX XXXX credit card had been opened. The name used to open and for which the account was granted was my former last name XXXX. The card was cancelled and a fraud notice applied. I have notified all XXXX credit agencies. But what I don't understand is if B of A was aware of my name change due to divorce 3 years ago, why would they approve a credit card with my old last name?
Consumer complaint received 2022-05-13
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. (DC)

Transunion did not conduct a full investigation. Closed the complaint but did not provide the requested proof of method of verification. They sent a general statement.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The Best Service Co.,Inc (CA)

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 under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SUNRISE CREDIT SERVICES, INC (CA)

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 under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-13
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 XXXXccount # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, CHILD SUPPORT XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, CHILD SUPPORT Account # XXXX, XXXX 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 a account without my written instruction
Consumer complaint received 2022-05-13
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 XXXX # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, CHILD SUPPORT XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, CHILD SUPPORT Account # XXXX, XXXX 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 a account without my written instruction
Consumer complaint received 2022-10-27
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. (CA)

in accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX XXXX XXXX # 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 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (CA)

The following companies/agencies have failed to furnish the original " wet ink '' signed contract, that LAWFULLY obligates me to the alleged debt ( s ) -XXXX XXXXI : {$3400.00} - XXXX XXXXXXXX XXXX : {$2700.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX : {$650.00} Several attempts have been made to reach out to these companies since XX/XX/XXXX ( XX/XX/XXXX ) via U.S. certified mail or through the credit bureaus website. Despite the attempts these companies and credit bureaus continue to violate my credit profile.
Consumer complaint received 2022-05-13
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. (CA)

The following companies/agencies have failed to furnish the original " wet ink '' signed contract, that LAWFULLY obligates me to the alleged debt ( XXXX ) XXXX XXXX  : {$3400.00} - XXXX XXXXXXXX XXXX : {$2700.00} XXXX XXXX XXXX  : {$13000.00} XXXX XXXX XXXX : {$650.00} Several attempts have been made to reach out to these companies since XX/XX/XXXX ( XX/XX/XXXX ) via U.S. certified mail or through the credit bureaus website. Despite the attempts these companies and credit bureaus continue to violate my credit profile.
Consumer complaint received 2024-05-06
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: EQUIFAX, INC. (FL)

I am writing to inform you of my dispute regarding the account listed on my credit report maintained by Equifax. I assert that Equifax is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX  distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice.

Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2022-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

Citi bank hired a collection agency and an attorney to collect a debt which I was trying to get one of simple rights in the process which is to validate the debt since XXXX of 2021 all three Citibank, the collection agency, and the attorney could not produce the above validate nor they communicate in any manner a way to resolve that issue, they simply took advantage of credit agency reporting a negative mark on my credit that reflected in higher interest any way I turn for credit if at all granted without the right to do so to me. 
As attached documents display the what I was getting form all parties simply circling me around between all three. And finally, Citibank when last year was pushing me to contact the collection agency and the attorney, but now we reached to a point where the collection agency and the attorney returned the file back Citibank, so I contacted Citibank again after the initial contact with them made last year, only this time I contacted Citibank by an official letter as you can see in attachments to verify the debt, but Citibank ignored the matter altogether as you can see the letter with certified mail I sent them on XX/XX/XXXX to verify the debt.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/XXXX I wrote to Transunion asking to verify items on my credit report that were inaccurate, incomplete and incorrect. On XX/XX/XXXX I received a letter stating that they don't believe i sent the letter. ( Stall Letter ) Upon sending my dispute letter to Transunion I attached a copy of my Identification as well as a piece of mail to verify my Identity. My concerns about my credit report were completely ignored. An attempt to even investigate my concerns was not completed. Section 611 ( a ), states that failure to investigate these items within 30 days is grounds for immediate removal. According to the the FCRA all unverified accounts must be removed.I demand these accounts be deleted immediately or a small claim action will be taken. Seeking {$1000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury
Consumer complaint received 2024-05-08
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-13
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. (NY)

In accordance with the fair credit reporting act XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX/XXXX  acct # XXXX, XXXX/XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX  acct # XXXX, XXXX acct # 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.