davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I received a concerning call today from an unknown NY number. I picked up and the lady asked " Is this HSBC? '' and I was puzzled. I said " No, are you HSBC? ". She replied " No, I'm an HSBC customer ... I was given this number to call by an HSBC employee. '' It is very, very concerning that my personal phone number was supposedly given out to another HSBC customer. Error or not, that is an absolute violation of customer privacy and potentially illegal.

The lady did NOT ask me any questions or try to get ANY information from me, which leads me to believe she was not a fraudulent caller or scammer. I've had my fair share of scammer calls and I know when something is an accidental call vs. a scammer and this was certainly the former.

HSBC needs to be investigated immediately for their practices on using consumer information.
Consumer complaint received 2017-07-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Check Security Associates, LLC (CA)

A company that has presented itself as Warner Asset location services ( claims processing department ) has called me on multiple occasions over the last few months because they are trying to get in contact with a former co-worker of mine. They have indicated the former co-worker put me down as a reference back in XXXX. I have told them I do n't know what this is about. That him an I do n't speak. I did not give permission to be added as reference and to please stop calling me. They refuse and have continued to aggressively contact me from multiple numbers. They say their " sources '' confirm we are family ( We are not ). I do not have any delinquent debts. I am tired of blocking their numbers.
Most recent call was today XX/XX/XXXX- from XXXX. They have also called from : XXXX ext. XXXX. Today 's representative 's name is XXXX.
Consumer complaint received 2021-08-13
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Caliber Home Loans, Inc. (MA)

I, consumer, entered a consumer credit transaction on XX/XX/2021 with Caliber Home Loans / Mortgage Connect, LP. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge to be the sum of all charges and include insurance, but Mortgage Connect, LP made me purchase insurance separately. Furthermore, Caliber Home Loans, did not disclose all that was supposed to be disclosed to me during the consumer credit transaction including my right of rescission pursuant to 15 U.S. Code 1635 which states When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Furthermore, pursuant to 15 U.S. Code 1635 ( b ) : within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Attached below, my rescission notice dated XX/XX/2021. 

It has been 30 days, no title of deeds has been received and no communication other than debt collection calls at all times of the day which are direct violations of 15 USC 1692d ( 5 ) and crime pursuant to 15 USC 1611. Attached are proof of calls and voicemails.
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (IL)

I have filled a dispute for {$490.00} on XX/XX/2021. and my balance was just XXXX then on next morning my again balance was - {$490.00} instead of {$1.00} I chatted with an agent to solve this the say investigation team has charged u XXXX $ means I don't understand I have already disputed {$490.00} and gain on next everyday dispute team charge me {$490.00} again making my balance - {$490.00}
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Received  XXXX  letters from   XXXX   XXXX   XXXX   stating that my accounts with  XXXX   XXXX  were being sold to a collection agency  XXXX   XXXX   XXXX . Acct ending in  XXXX  had a balance of {$3300.00} and acct ending in  XXXX  had a balance of {$3400.00} according to the letters. My wife reviewed our credit reports with  XXXX  credit Bureaus Transunion,  XXXX  and   XXXX   since the accounts were a joint account and noticed that the amounts and dates reflected on our reports were different than what the letter stated and that   XXXX   XXXX   XXXX   was also reporting as a separate account from  XXXX  on my Transunion report which made it seem like I had  XXXX  past due accounts instead of just  XXXX . Transunion reports originally showed as follows :   XXXX   acct ending in  XXXX  balance {$3600.00} opened  XX/X/XX ,   XXXX   XXXX   XXXX   acct ending in  XXXX , balance {$3500.00} opened  XX/X/XX    XXXX   acct ending in  XXXX  balance {$3100.00} opened  X/X/XX    XXXX   XXXX   XXXX    acct ending in  XXXX  balance {$3100.00}  XXXX  shows both  XXXX  accts the same as Transuion but no   XXXX   XXXX   XXXX   accts.  XXXX  shows no   XXXX   accounts but the   XXXX   XXXX   XXXX   shows as follows :   XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3500.00} opened  XX/X/XXXX    XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3100.00} opened  X/X/XXXX  None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from   XXXX   XXXX   XXXX  . I never signed a contract with   XXXX   XXXX   XXXX   and my account with  XXXX  was included in a chapter  XXXX  bankruptcy that was filed  X/XX/XX  so my account should not have been transferred or sold to   XXXX   XXXX   XXXX   or submitted to the collection agency   XXXX   XXXX  . The inaccurate reporting done by  XXXX   XXXX   XXXX  and  XXXX  has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from the  XXXX  bureaus as they are inaccurate. My wife filed a consumer finance dispute (  XXXX  ) against Transunion and in doing so Transunion deleted the accounts from her credit report, however the accounts on my credit report were updated as follows :   XXXX   XXXX   acct #  XXXX  and  XXXX  acct opened   XXXX   {$3100.00},   XXXX   XXXX   acct #  XXXX  and  XXXX  acct opened  XX/X/XX  {$3500.00} which is still incorrect. Due to the continued inaccurate reporting these accounts need to be deleted from my credit report as well. They were deleted from my spouse 's report and the accounts were joint accounts.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (FL)

I am a victim of the very blatant and misleading practices of " Credit Karma ''. 
On multiple occasions I was lied to and told I was 'pre-approved ' for both credit cards and personal loans. I applied and completely waisted my precious time as " credit karma '' mislead me into thinking I was pre-approved when in fact I was not. 
And to add salt to my injury, after being denied my credit score dropped by more then XXXX points!!!
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (UT)

On XX/XX/XXXX I made a payment from my XXXX bank account to Goldman Sachs Apple Card in the amount of XXXX. XXXX has been able to provide me all ACH information proving they sent the payment but Goldman Sachs keeps making up different stories about the situation. At first it was insufficient funds, then it was that they sent a payment back to me. Goldman Sachs has been non compliant and cant provide any tangible data. Im reaching out to cfpb to get this resolved.
Consumer complaint received 2019-05-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

Nationstar Mortgage dba Mr. Cooper moved for foreclosure shortly after the Plaintiffs filed a complaint with the North Commission of Banks. because Nationstar was improperly hanging the homeowner in a suspense account and not applying them to the plaintiffs ' mortgage. By evidence of.the of late charges in Exhibit A the plaintiffs were two months behind on their mortgage. when Nationstar forclosed an illegal process under the Consumer Financial Protection Bureau 4 month rule before a servicer can foreclose. Nationstar is also in violation of the Bureaus ' strict rules against Duel Tracking by evidence.of the upload. 

Nationstar was also in violation of the homeowner 's contract. There is a clause in the contract that states Nationstar must abate foreclosure if a demand for a Mediation is made and by evidence of the upload a Demand was made.
Consumer complaint received 2017-07-27
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. (CA)

Back in the end of XXXX, beginning of XXXX I filed a complaint about this loan which they say is mine. When I try complaining, all the credit bureaus do is try to get me to admit it 's mine. At the time this loan supposedly took place, I was freshly out of the hospital from my XXXX XXXX. I 'm still XXXX XXXX XXXX XXXX XXXX, and the dmv had revoked my drivers license for medical reasons. I called XXXX XXXX XXXX  and explained to them, but they did n't want to hear it. I wanted them to show me the contract that I signed, that would have proved it was n't my being that I 'm right handed. After hearing that I had complained they closed the account, the original opening date was X/XX/2013. The item still appears on all three credit bureaus, and I want it off.
Consumer complaint received 2018-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (SC)

I have 2 medical debts placed on my credit report with Equifax, these same accounts appeared on another bureau which resolved my case and removed these debts. I sent in verification and validation letters to verify and validate this account and to adjust the correct information by asking them to remove these accounts from my report. I received letters from equifax claiming this information was verified, under the HIPPA ACT my medical rights are a private matter. I do n't want any credit bureau looking into my medical file that 's between me, my practitioner, and the insurance company who was responsible for this bill from an accident back in 2014, during my settlement. XXXX
Consumer complaint received 2018-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

I went into td bank in XXXX time 2017 and they told me my accounts have been a risk even tho I never did anything risky and I wud have to call customer service to get my balance {$160.00} sent as a check and they locked my account.. I called customer next day service and they said only bank manager of my local bank can approve me taking out my money so I spoke with my bank manager of XXXX ny on XXXX XXXX her name is XXXX and she said only customer service can do it and she cant do anything they kept me going in circles and I needed that money to pay one of my credit cards I had from a XXXX XXXX XXXX when I tried to transfer it to my XXXX XXXX credit card money I owed it kept undoing it causing me to have {$200.00} dollar fees and bad credit late notice on my XXXX XXXX to my credit report. Not to mention td kept charging monthly fees even though I had no access to the money
Consumer complaint received 2021-09-09
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. (NY)

On XX/XX/2021 a letter accompanied by a copy of the police report filed and my photo i.d was sent to Equifax ( credit bureau ). This was actually a third letter to the bureau, stating that the XXXX XXXX account with a {$200.00} balance and the XXXX XXXX XXXX account with a {$120.00} balance are fraudulent. The company refuses to abide by the law and remove these fraudulent accounts under section 605b of the Fair Credit Reporting Act.
Consumer complaint received 2018-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (TX)

A recent inquiry into my credit report with all 3 bureaus ( XXXX, XXXX and XXXX ) made me aware of 2 accounts that report negatively on my credit bureau files. Research revealed that these 2 entities are owned by the parent company known as Colony Brands , Inc . These 2 entities are XXXX XXXX and XXXX XXXX XXXX. These debts are not mine, yet they appear on my credit bureau file ( s ) as charged off debts. 

The XXXX XXXX account appears with a balance due of {$150.00}. I have never had an account with this organization. The XXXX XXXX XXXX account appears on my credit bureau file ( s ) as an Unsecured loan account with a charged off balance of {$410.00}. I have never obtained a loan from this organization and based on the corporate description, was unaware that they offered such services. 

In correspondence dated XX/XX/XXXX ; I requested proof of my obligation to pay from both of these organizations. They responded with a letter requesting that I send them a police report for identity theft. I responded with a second letter dated XX/XX/XXXX again requesting validation in the form of ANY application for an account for credit or a contract bearing my signature. They both responded on XX/XX/XXXX with a print out of a bill ; which according to an FTC opinion letter is NOT sufficient proof that a debt belongs to a particular individual. 

According to the FCRA these debts have not been proven to belong to me and should therefore be removed from all 3 credit reporting agencies files. Subsequent requests for the same have not been honored by the credit bureas or by either of these organizations. The credit bureaus continue to report these debts as mine and I have also requested thier Method of Verification for these debts which they have yet to provide. A subsequent complaint regarding the actions or inaction of the 3 major credit bureaus is forthcoming. Additionally, I have a filed a complaint with the Better Business Bureau ( BBB ) in Wisconsin and am planning to file a complaint with the Texas Attorney General 's Office.
Consumer complaint received 2017-04-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

While XXXX on XXXX XXXX due to a complicated XXXX, my lender , XXXX XXXX, was allegedly sold to XXXX XXXX XXXX. I file Chapter XXXX Bankruptcy due to the hardship, and XXXX XXXX XXXX allegedly sold my loan to PRA Receivables. I have never signed an agreement with XXXX and XXXX charged off the debt and it has a XXXX balance. PRA is alleging that I owe them on my vehicle when in fact, the statutes of limitation on the debt has expired. They currently have the title to my vehicle and are refusing to release it. They have not proven validation of debt, and I was sent a contract between me and the original lender, which was XXXX XXXX, but nothing showing a relationship between me and them. As stated before, the statutes of limitation has expired and PRA is not on my credit report nor do they have a right to collect a debt on me, however, they are breaking the law by holding on to my car title, and it does not belong to them. They have no proof of anything. I want my car title back immediately.
Consumer complaint received 2017-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK (MD)

I have had a Discover Card since XXXX and I will admit that I am not always the best at thoroughly reading through my statement. I was reviewing statements recently and saw that I am being charged for Discover Payment Protection on a monthly basis. This is a program that I never authorized my enrollment into. I have since checked all of the statements that Discover has for my account online ( they only have back to XX/XX/XXXX ). Totaling up all of the charges I was charged an overall amount of {$1100.00}. This is just the last 2 years. I called Discover on XX/XX/XXXX once I came up with this total and spoke to a representative named XXXX who told me that I started getting charged for this service about 3 months ( since 2010! ) after I opened the account. I questioned how it was that they enrolled me and she said that they had previously sent out letters asking for authorization to enroll their card holders. I informed her that while I got those letters I did not sign that I was authorizing my enrollment, so how is it that Discover enrolled me anyway. She then informed me that she would cancel my enrollment and reimburse me for the last 3 charges. I asked why I was not being reimbursed for the total amount that I was charged and the response that I got was that I would not be reimbursed the total amount because the letters they sent out were what enrolled me in the program, therefore I should have known that I was being charged. I again asked how a letter that I did not sign ( and at no point did they get verbal authorization from me either ) gave this company the authority to enroll me in this program. She was unable/unwilling to answer this question and was not able to direct me to anyone else within the company whom I might talk to about the issue.
Consumer complaint received 2018-01-20
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. (VA)

I have credit inquiries on my report that I dis not consent to that I need to be removed from my credit report ... my Wallet was stolen and someone has been applying for things in my name so they do have my information but it was not me please delete these Thanks
Consumer complaint received 2021-08-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2021-08-13
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: Professional Credit Management, Inc (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX  ACCT # XXXX ... 
XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX # XXXX ... XXXXXXXX XXXX ACCT # XXXX ... XXXX XXXX # XXXX ... that are listed on my credit report. 
Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: U.S. BANCORP (MI)

ELAN FINANCIAL SERVICES ON MY  XXXX  REPORT NOT MINE.   NEVER AUTHORIZED NOR OPEN ON  XXXX / XXXX /  XXXX  .   * DISPUTE AS NOT MY ACCOUNT * BALANCE OF {$710.00} NOT MINE.   NOT A JOINT ACCOUNT.
Consumer complaint received 2021-02-20
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: Experian Information Solutions Inc. (FL)

XXXX  and XXXX fios XXXX, experian XXXX points lower, they are reporting incorrect balances on my credit report, will not except online dispute on accounts, wrote them no reply 45 days.
Consumer complaint received 2018-01-20
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 started to monitor my credit using XXXX which works with Experian. This is when I noticed multiple credit inquiries that I did not apply for. The inquiries are from the following banks XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These FRAUD inquiries are reporting on XXXX and Experian. I have contacted BOTH bureaus to start an investigation and i have sent in all documentation.