davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (IN)

Back in XXXX, XXXX XXXX attempted to collect this debt, this is not my obligation. I demanded a debt validation, it was removed from all reporting bureaus. 

Then in XX/XX/XXXX it reappears again on my credit file, Midwest Recovery is reporting it this time. So I do the same, dispute it on all credit bureaus and mail a direct dispute to Midwest recovery. I have attached a copy of this letter. 

It was removed off XXXX and XXXX, but it is being reported twice on XXXX, exact same collection account, different number.
Consumer complaint received 2022-08-12
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. (NC)

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX XX/XX/2021
Consumer complaint received 2020-06-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I have opened a checking account in HSBC last year. According to the promotion, I should receive {$750.00} bonus as long as I make monthly direct deposits totaling at least {$5000.00} for 3 consecutive calendar months from the second calendar month after account opening.

I have completed the requirement, but I haven't received any bonus. I contacted HSBC dozens of times through phone call or online chat. One of the representatives confirmed that I had completed all requirement and he helped to create an investigation case ( case number : XXXX  ). But whenever I contact HSBC, they either told me no update on my case or gave me some ridiculous reason like I'm a trust customer which is not required for the offer, but I never have a trust account. 

I know since we're in a pandemic, progress could be slow. However, this issue has been lasting for over 6 months. I should receive the bonus even before the pandemic happened in the first place. I don't think I can receive this bonus after wasting so much time to deal with them. I transferred over XXXX XXXX asset to HSBC but I still don't get the respect. I feel this is a scam.
Consumer complaint received 2023-03-31
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: AMERICAN EXPRESS COMPANY (TN)

I have previously disputed this company and asked that they send the consumer a LEGAL BINDING CONTRACT that has both legible signatures ( from myself and the company entity stating that there is a contractual agreement between both parties. What the consumer received was anything but. The consumer specifically asks for the entity to produce legalities that the alleged account indeed belongs to the consumer. Yet they have chosen over and over again to send the consumer what they feel is needed, which is UNACCEPTABLE. This game that the company is playing should be pointed out that if they are unable to produce the legality of the alleged account then the account should be REMOVED IMMEDIATELY. THE COMPANY IS CONSISTENTLY VIOLATING LAWS. I will upload the latest letter that was sent to the consumer about the matter.
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I was charged {$19.00}, on XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/2021 by XXXX for {$19.00} for a XXXX Service on Cell Phones I didn't own anymore. Unknown to me when I paid for the service originally they set me up on a yearly automatic payment plan. I buy a new cell phone every year and would NEVER knowingly sign up for recurring, yearly payments. I filed for a dispute with Capital One but they don't seem to understand or just deny me so they don't have to refund my {$19.00} x XXXX. I NEVER knowingly paid {$19.00} for services on a Phone I DID NOT OWN. I want my money back but Capital One is being stubborn for whatever reason. Please help!
Consumer complaint received 2021-04-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY (NE)

This is in reference to my debt- I am doing debt consolidation and rather than call me regarding my debt, Wells Fargo is contacting my parents who I do not live with nor share an account with. I have verified my phone number on their website is correct but they have been consistently calling my parents to discuss my debt.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-01
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. (IN)

I have called and sent multiple letters to Equifax proving that a name, social security number, and several accounts listed belong to someone who is NOT me. I have provided them with legal documentation, such as copies of my driver 's license, social security card, and proof of address, indicating that this person 's information needs to be immediately removed from my reports. I have tried to resolve this over a period of approximately 7 months, and as of today 's date, I have been unsuccessful. They have not even had the courtesy to respond to me. When I call, I get transferred and then the call drops. 

I was recently turned down for a mortgage loan even though XXXX   and XXXX are reporting correctly with my scores in the 800 's.  However, since this other person has late payments on an existing mortgage loan, I was denied and I feel that I am being held hostage by the misreporting. 

This ongoing situation and being disregarded and ignored by Equifax has cost me not only financially, but emotionally and physically as well. All that I am asking is that someone takes three seconds out of their day to see that the name and social security number listed on my Equifax report is NOT ME and remove them and all other derogatory items from my report.
Consumer complaint received 2020-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

CFPB Orders Citibank to Provide Relief to Consumers for Illegal Debt Sales and Collection Practices XX/XX/XXXX CFPB Director XXXX XXXX. Todays action provides redress to consumers who were victimized by slipshod practices as part of our ongoing work to fight abuses in the debt collection market. 

Citibank sent inaccurate information to buyers when it sold off credit card debt and it also used law firms that altered court documents, said CFPB Director XXXX XXXX. 

Recently I received a copy of all three of my credit reports in relationship to my application for a XXXX XXXX. In the report I found a page that contains the listing of my account with Macys/DSNB. Showing the account had been closed, with a balance owing? Find a copy of this page attached here. 

I recognized the account listed as being mine, but I havent used the card in quite a long time? So I called Macy 's to inquire about this recent activity? Where the only option provided to me by Macys was to say, send us full payment first. Only then, at my request, would they provide me with information in support of the charges they claimed I owed at some time weeks into the future. 

I presented this conversation to the Lender Im working with and was advised that the best thing for me to do was to go ahead and pay off the debt. With the belief that in doing so would advance my loan application I did what she had advised. 

Only afterwards did I start to look into any of this on my own. Where I learned that regardless of my credit report listing DSNB as the lender on my credit card, they are in fact wholly owned by Citibank ; Department Stores National Bank to Pay $ XXXX For Charging Fees on Collection Accounts Published on : XXXX XX/XX/XXXX at XXXX XXXX. EST As part of a larger Consumer Financial Protection Bureau XXXX CFPB ) enforcement action announced today against Citibank , N.A., Department Stores National Bank ( a Citibank subsidiary ) will pay {$23.00} XXXX for deceptively charging expedited payment fees to nearly XXXX XXXX consumer accounts during collection calls. 

With this new information in mind I called my bank the day following the payment to Macy 's requesting that they reverse the payment. As Macys had refused to comply with my request for information on the account and the corresponding charges. Knowing that I refuted these charges Macys refused to provide the information Id requested until I made full payment to them in advance. 

Im now convinced that Macys/ DSNB/Citibank have intentionally closed the oldest credit card account I have. Which adversely effects my credit rating and credit scores. That they have done this without redress of any kind for a consumer and client of some 31 years. By refusing to provide any supporting documentation with full knowledge of my rebuttal to the charges theyve claimed.
Consumer complaint received 2020-12-02
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. (NC)

Here is the problem, I have attempted to have this bankruptcy removed from Transunion several times. I have sent the proper documentation several times by mail ( Here is the tracking information XXXX, XXXX both are have been received and signed for. ) This documentation includes proof the the Bankruptcy has been removed my the XXXX file. I was told yesterday that they have not received this documentation. I asked the supervisor where are my files ; I was told they don't know. 

I was also told that they would NOT complete investigation of this Chapter XXXX because of the retention timeframe. I explained the the rep ( several reps ) that my case is totally different than any other case. I was also told to get an " Bankruptcy Expungement '' form, I called the courthouse ( on my other line ) while I was on the phone and asked about this form. The courthouse has NEVER heard of this form unless there was fraud or a criminal expungement. Then the senior supervisor proceeded to yell at me and I quickly reminded her that I was the consumer and I will not tolerate any other treatment from Transunion other than respect. I have also mentioned that all of the other credit bureaus have removed this Chapter XXXX from my file. So I have attached that proof to the this complaint. But I would like to know where my 80+ pages were that I sent twice are. This information is confidential and had extremely sensitive information on it. How unprofessional is this company?
Consumer complaint received 2017-12-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

There was no option for the issue I am experiencing at this time. 

I was attempting to log in to make a payment on my account. 
I ca n't log into the website to make my payment and the payments are a couple months past due. I actually was trying to make a catch up payment, but the company will not allow me to access my account to make one. I tried using the online chat but they would not even speak to me. So I am now reporting them to the FTC as they are willing to damage my credit, but unwilling to allow me to make a payment. 

I tried filling out the survey that popped up, but the site conveniently disabled it before I could submit it. I am going to post my complaint on XXXX to see if I can get an attorney to pick this up so I can sue the company. I am done playing games with them. 

The online agent disconnected and forced the chat closed before I could even get the phone number to call there help line.
Consumer complaint received 2022-04-26
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)

On XX/XX/XXXX By Certified Mail I informed the credit bureaus that they where in clear violation of the law. Under 15 USC 1681 b-permissible purpose of consumer reports as pertaining to my credit report. 

I informed the bureaus that I had not given permission for the late payment from XXXXl XXXX XXXX XXXX reported from XXXX & XX/XX/XXXX and XXXX of XXXX to be reported on my consumer report. I asked both reporting agency to remove these late payments from my consumer report. Neither credit bureau as of date has honored my request and continue to violate my rights under 15 USC 1681 Under 15 USC 1681 b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not Include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
I do attest that the credit bureaus all 3 including XXXX who just begin reporting this closed/paid in full account is violating my rights. 
1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

To whom it may concern, I have never applied for credit until XX/XX/XXXX when I was declined for credit from XXXX XXXX ( Awaiting decline letter ). My godmother helped me request a credit report and most of the information is wrong on Experian and I can not even access XXXX XXXX or XXXX do to mismatched information. I need help immediately. I am trying to get my permanent id card ; I only have the temporary. While I was XXXX, I no longer resided at the address the permanent card was mailed to it was returned to the DMV. By the time I was able to get it, all DMVs had closed due to Covid-19. The reopened this week. 
Based on my Experian report ( the only report I could obtain ) I never lived at the following addresses : o XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX o XXXX XXXX XXXX XXXX, Illinois XXXX o XXXX XXXX XXXX XXXX, Illinois XXXX My year of Birth is XX/XX/XXXX o Experian shows XX/XX/XXXX I have never applied for credit, which includes the accounts on my Experian report, there should be no accounts or hard inquiries o XXXX XXXX o XXXX o XXXX o XXXX XXXX o XXXX o My only hard inquiry is XXXX XXXXXXXX ( XX/XX/XXXX ) There are soft inquiries for XXXX XXXX ( 17 inquiries ) and XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX   that are not mine. My only soft inquiries should be : o XXXX XXXX ( XX/XX/XXXX ) o XXXX   XXXX ( XX/XX/XXXX ) o XXXX XXXX XXXX   ( XX/XX/XXXX )
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Carvana Group, LLC (TX)

CarvanXXXX  and XXXX shared my personal information with multiple companies without my consent or giving me the opportunity to opt out. 
I also requested a cancellation of debt from the Trustee XXXX XXXX. 
I have sent the US code, CFR and IRS documentation to update the debt payments on my credit report.

They are abusing their power and sharing information without permission, taking advantage of their resources instead of properly using it's resources for just resolutions.
Consumer complaint received 2020-12-02
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: EQUIFAX, INC. (PA)

Found issues on my reports So I sent the bureaus disputes after reading about the laws W all identity & proof FCRA ACT etc. 30 days to comply n so forth as my right Sent all 3 bureaus 2 letters each 30 days apart ( no timely response/reply ) 1st XX/XX/XXXX XXXX  XX/XX/XXXX Eqfx XX/XX/XXXX XXXX 2nd XXXX XX/XX/XXXX Eqfx XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (DC)

Hi, I live in Washington, D.C. and own a rental property since 2003. Since that time, the mortgage has been sold numerous times. It is now owned by a company called : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Phone number XXXX I have never missed a payment on this loan, I'm an excellent customer with a credit score ( mid 800s ), I  know this because we bought a car two weeks ago. Now, here is my complaint, each time a loan is sold it's incumbent upon me to set up a new UserName and Password and get used to dealing with a new company. They try to make it seamless, sometime it is, other times it is not. It appears, based on a recent series of letters that XXXX XXXX, now has a business partner called Loancare, a XXXX XXXX to help manage the loan. As of late, I have been getting threatening letters that I need to show " proof of insurance '' otherwise, they will buy me property insurance. Mind you I have owned this condo nearly twenty years and numerous times over the years have turned over a copy of the Condo Board 's Master Insurance policy. Per DC State Law, it's not required they I have another insurance policy for " inside the apt '',  but I do in fact, have additional insurance. After getting these harassing letters, I had to locate copies of both polices and send them to Loancare, so they don't buy me insurance. Mind you, I have no idea if Loancare is even a legitimate company, this is all very confusing to the consumer. But to avoid them buying me insurance I quickly located these policies and uploaded them to Loancare 's portal. Now, as soon as that process is complete, I have yet another letter from both XXXX and Loancare saying my payment is late. Mind you, I have had this loan since 2003 and it's on auto-pay, so I have no idea why this is occurring. If I try to call XXXX XXXX or Loancare the wait time is 30 minutes. This feel likes harassment and honestly I'm not even sure if Loancare is a legitimate company. Here is the Loancare info : Loancare, a XXXX XXXX XXXX XXXX, Virginia XXXX VA XXXX The customer service number is XXXX ; Collections number is XXXX Please look into these companies and into this business practice. I'm not sure if they are fraudsters, or just have terrible customer service. This just doesn't make sense, and I shouldn't have to spend time on something that should be so seamless, especially as a good customer. Thank you for attention to this matter.
Consumer complaint received 2022-03-29
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. (NV)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and I.d . as it contains my full complaint and requests.
Consumer complaint received 2021-04-11
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. (TN)

Upon checking my Equifax and XXXX  credit report I find that there are 26 and 20 hard inquiries that are Fraudulent and I want them removed expeditiously. I have sent sever disputes to Equifax and is getting told that the information is accurate when in fact I have no knowledge of these accounts. The accounts that are Fraudulent are as shown : XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX  Service : Inquiry date XX/XX/XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX XXXX of XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX  XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX An XXXX XXXX # XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX amount {$690.00} XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXXXXXX  : Inquiry date XX/XX/XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX