davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

We, the Bank sent wire on behalf of our client on XX/XX/2021 for {$13000.00} to HSBC NY routing number XXXX to credit HSBC XXXX XXXX, Swift Code XXXX, to credit beneficiary. The Beneficiary claims the funds have not been received in their account. We have sent 8 service messages to HSBC in New York. The dates the service messages were sent are XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. The messages to HSBC NY are to ask for confirmation of credit and then recalling the funds to be returned. HSBC had not responded or acknowledged any of our service messages. I also contacted Customer Service at HSBC at XXXX, but they were not able to give us any information as we are not their client. As of today XX/XX/2021, we don't know where the funds are at.
Consumer complaint received 2022-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IA)

Account is a total mistake itself. Previously reporting collection while derogatory/ charge off at the same time with inaccurate date last active reporting zero data on payment history and date of last payment with XXXX XXXX and XXXX XXXX reported no account whatsoever. Currently account is stating as open account. Now, added payments to payment history stating as OK as agree all the way from XX/XX/XXXX to XX/XX/XXXX with 120 days late on XX/XX/XXXX and XX/XX/XXXX by XXXX while XXXX is reporting consecutive charge off as if it was some sort of payment method. date less active stating incorrectly reporting as XX/XX/XXXX by XXXX and XX/XX/XXXX I XXXX  while XXXX Reports XX/XX/XXXX yet data is missing on the last payment there is no possible way that account couldve gone from collection back to open account from reporting zero data on payment history to reporting a whole report of payment history by XXXX while XXXX reports nothing but charge-off and XXXX XXXX is definitely not reporting any data on payment history. This is not tolerated information must be 100 % accurate at all times.
Consumer complaint received 2018-09-25
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)

We were working with XXXX XXXX XXXX on a car loan that we fell behind on. It was no more than 60 days behind and we were working with our account manager to make up the payments and make sure it did not get repossessed. We had a series of payments setup so that we can make the current payment plus the past due payment. Well days before the next payment was scheduled to be taken out, which was scheduled by XXXX themselves, the vehicle got repossessed. We then went in to the bank the next day to pay the past due amount plus all the towing, vehicle storage, and bank fees that were accumulated due to XXXX not keeping their word. This should have never happened as we setup an agreement with the bank to ensure this situation would not happen. We have attempted to verify this in writing through the credit bureaus, but they have not provided us with any sort of breach of contract that would have resulted in a repossession ; and they are reporting it incorrectly.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These days my credit score was dropped almost 30. 
I didn't know until last XXXX. 
When I checked my credit report with XXXX, I found there's are 4 hard inquiries.

under my name. I guess 3 of these inquiries were declined.

But 1 requires was allowed. ( XXXX  XXXX ) I don't have any reason to apply for a new credit card. 
. 
I called to XXXX, XXXX XXXX, XXXX  XXXX XXXX. and XXXX and XXXX  XXXX fixed this ID theft. 
I attached these hard inquiries and a written letter from discover. 
I told XXXX XXXX by phone, they fixed this ASAP. 
In the case of XXXX  XXXX, I called tons of times but still, I haven't any chance to report this. 
Please fix it ASAP. Because of these wired situations, XXXX, XXXX, XXXX decrease my available credit limit almost {$13000.00}. 
Thanks.
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (VA)

Sometime in XXXX, there were 2 claims put in then bank reversed the claims by putting the funds ( = {$3700.00} ) in our account on XX/XX/XXXX & XX/XX/XXXX. I did not catch this and supposedly i spent that money so all of a sudden bank reversed the funds on XX/XX/XXXX making my checking a negative - {$3700.00}. My pension came in XXXX and bank kept it so as to pay part of the XXXX. I did not get any notice except 2 letters i received XX/XX/XXXX. I'm broke unable to pay my bills. Bank will not work with me as they say i did the claims ( i did not and not being clear to understand whats going on. I'm panicked. Can you help me?
Consumer complaint received 2019-06-06
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. (WA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX ; XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX   ( Original Creditor : XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ;
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

There are several things which need to be corrected. First of all, I do not remember submitting for a Consumer Credit Report but I have one that was mailed to me and one that the employer gave me before I was terminated from work. The other problem is I want a copy of a CRA that was signed by me for any job I have applied for or have had in the past. The other issues are the data that was provided is not correct and lacks information which should have been there but wasn't. There is only one issue on the CRA 's that I have but it is incorrect. If the CRA is going to put down an issue it should have given the employers sought a correct copy of the report with the correct issues. If these issues aren't taken care of as soon as possible I will commence a lawsuit against this CRA and another whom I have evidence regarding the employment issues which have led to my not receving any offers of employment. These employers are XXXX XXXX, XXXX, XXXX XXXX XXXX, and. XXXX XXXX  XXXX just to name a few. There are many employers which I know of but can't access their reports of why I can't get hired.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from XXXX XXXX XXXX. I have never heard of this bank or done business with this bank. This item is a result of fraud.
Consumer complaint received 2021-06-28
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: EQUIFAX, INC. (MS)

On XXXX XX/XX/2021 XXXX, I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

I had an open share loan and paid it off in XXXX of XXXX. I noticed the account is reporting 30 to 59 days past due because of a XXXX payment however the loan was paid in full in XXXX. When I called the bank I was basically told the account was 7 days past due, it was due on the XXXX but paid on the XXXX. My problem here is 7 days is not 30 plus days and my payments were set up on auto pay from my saving so if it was paid on the XXXX it was becuase their system didn't draft it until then. The customer service agent informed me that the quickest way to solve the problem was to file a dispute opposed to just having the credit department fix their error. Now my score on all 3 credit bureaus have dropped 30 plus points.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc. (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2024-02-01
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: Experian Information Solutions 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 XXXXXXXX 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 2020-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2020 I went online to clear my email then notice I had a correspondence from Wells Fargo that they had to transfer monies because my account was overdrawn. I found that to be strange because I new I had more than enough funds to clear the checks I sent out for bills. When I logged into my account I saw '' EVERYDAY CHECKING Account ... XXXX XXXX Available balance '' My mouth fell to the ground. I logged into the account this is what I saw a bunch of with drawls in on XX/XX/2020 .CARD PURCHASE XXXX ( not my debit card ) in different amounts until my account was emptied and the checks I wrote they charged me overdrawn fees. 

Mind you this is about XXXX XXXX  the night before XXXX zero monies in my account.l I called the to file a fraud claims, I was given a claim number XXXX A total of {$2000.00} was taken from my account plus {$25.00} in overdrawn fees. I spoke to someone they said they would call me back it is XXXX XXXX  XX/XX/XXXX. 2020 and no one has called me back. This is wrong, disgusting, disrespectful How Wells Fargo has treated me.
Consumer complaint received 2019-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (SC)

I had a mortgage with XXXX XXXX who put my loan into an escrow loan which paid my property and insurance premium. In XX/XX/XXXX I received a notice the taxes had not been paid on my XXXX 27X64 XXXX  Home located at XXXX XXXX XXXX XXXX XXXX SC XXXX. Map # XXXX. Taxes due on XX/XX/XXXX were {$380.00} which are now {$500.00} with the penalties of nonpayment. I have contacted XXXX XXXX and got a rep who informed me they had sold my mortgage and transferred it in XX/XX/XXXX and they did not have my escrow anymore. Since it was not longer under them did they want me to pay the taxes out of their pockets. Rude Representative for this company since they are the ones that did not pay my taxes. I contacted Faye Services the same day and was told they would look into it and call me back which they have not. I called Faye Servicing again when I received another late notice and was told the same thing. I called the XXXX Tax Assessor 's office and spoke with XXXX, she informed me the taxes had not been paid and that someone called on XX/XX/XXXX to inquire about them from the mortgage company. I called Faye Servicing today and spoke with XXXX XXXX the Acct Mgr, she told me she would check on it and call me back. Once again I have been told that again. I have now received a certified letter stating if the taxes are not paid by XX/XX/XXXX my home will be placed up for sale. This means that a Notice will be placed on my property for everyone to see that my taxes have not been paid. That will cause embarrassment to me and my family. This has cause loss of time from my job to follow up with Faye Servicing,  XXXX XXXX and XXXX County, I have also had to make unnecessary trips to the PO to sign for registered letters. This company has me pay {$340.00} monthly to my escrow account and they can not take time to service their customers properly to insure they do not loose their homes. Faye Servicing XXXX is the customer service #. XXXX is the Account Manager 's email address. Faye Servicing XXXX XXXX XXXX XXXX IL XXXX and Faye Servicing XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2020-10-13
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: Experian Information Solutions Inc. (NV)

I subscribe to Experian XXXX credit monitoring service and pay approximately {$25.00} per month for this service. 

Part of this service allows for subscribers to see information in order to see if a dispute is warranted. Part of the information available is soft inquiries on one 's credit reports. One can view the inquiries along with other data and decide whether or not a dispute is called for. I generally view these soft inquiries and then find no need for a dispute. I feel soft inquiries are important data that one should have access to. 

Lately, though, Experian refuses me access to the initial dispute process to see these soft inquiries. For the past month they claim there's a " technical error ''. This is a lie. They have removed my ability to use the entire service that I pay for. They refuse to explain why and only lie about a system error.
Consumer complaint received 2020-09-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (NY)

Ally Financial called me, roughly a week ago, asking to pass a message to someone I am related to. I know they skip traced my contact information, as I have not spoken to this relative in over 10 years. I informed the representative that I have little contact with that person and to not contact me again about the matter. Since then, I have received repeated calls and multiple voice mails in the same day. Today, XX/XX/XXXX, after getting multiple voice mails, I answered the call and again informed them that I have no contact with the relative they are looking for and again to not contact me. Rather than terminate the call, the representative attempted to push the matter.
Consumer complaint received 2020-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (CA)

On or about XX/XX/XXXX, I filed two disputes with XXXX. XXXX  failed to record one of them, despite a full length letter I had uploaded. In the meantime, my formerly excellent credit has been completely destroyed. All of this is in regards to fraudulent use of my SSN to open a credit card account, which should have been resolved by the furnisher six months ago.
Consumer complaint received 2021-02-24
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Pendrick Capital Partners (TX)

This company called my home at XXXX XXXX at night and then hung up when i asked who was there. when i called back they tried to demanded I provide them my personal information and refused to remove my number from their call list. I am not associated with this company nor do I have any business with this company for them to be calling me at all, least of all at XXXX XXXX and hanging up. I have a young child and they have disturbed him on a school night with their prank calls.
Consumer complaint received 2022-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (AL)

I have an account that has been bought from a credit card company and to my understanding, I am no longer responsible for that debt. I do have email correspondence that says that my account has been bought from the original creditor and I would like for it to be removed from my credit report.
Consumer complaint received 2021-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (MS)

To whom it may concern, I have a XXXX XXXX account that's charged off on my report that doesn't belong to me. I have no knowledge of the account and when I ask them to prove to me that it's my account, they're unable to but yet they still won't delete it from my report. I have spoken to the credit bureaus several times and normally when I call XXXX XXXX, I'm unable to speak with someone. I even hired a credit repair specialist to get the account removed and still, nothing! Recently a representative from Collection Bureau Hudson Valley called to speak with me regarding the account and I told them that I have no knowledge of the account. He stated that I needed to mail or email them a letter stating this and told me that emailing the company will get me a quicker response. I emailed the company on XX/XX/XXXX and still has not heard anything back regarding this matter. Per my credit report, the account was opened XX/XX/XXXX and charged off XX/XX/XXXX with a past due balance of {$120.00} and a total balance of {$280.00}. No payments has ever been made on the account because I do not believe in paying for anything that I'm not responsible for. It would be greatly appreciated if this matter can be handled as soon as possible. 

Thank you in advance, XXXX XXXX