davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have attempted to work with XXXX  and Transunion, along with contacting each listed below, and customer service would not help and take care of the negative inquiries reporting on my credit reports. 

Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES Immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX/XXXX   XXXX  XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 6 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Alleged Creditor # 7 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 8 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Alleged Creditor # 9 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX   XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Alleged Creditor # 10 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX/XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 10 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (GA)

I worked for XXXX in which my service was free. After I left the company I had to turn in all property, tools, equipment that I was given at the beginning of the sales job. I had to turn this in to receive my last paycheck. this was over 7 years ago. I do not owe this company one dime. They keep updating this on my credit report and it has been sent to a 3rd party ...
Consumer complaint received 2017-11-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: First Data Corporation (CO)

On XXXX XXXX, XXXX I received a Notice of Unpaid Electronic Fund Transfer from XXXX XXXX XXXX stating that XXXX received a check in the amount of {$14.00} which was returned as account was closed. This check was issued by XXXX Bank, XXXX, Ohio. I have never had a bank account with XXXX nor have I purchased any item from XXXX. XXXX confirmed ( e-mail attached ) that I do not owe them any money nor do I have an account with them. I filed per XXXX XXXX request a forgery claim report on XXXX XXXX. I also filed a police report copy of which follows. I have followed all the steps listed on the police report. On XXXX XXXX a letter was sent to me by XXXX, XXXX XXXX. I have tried to contact the telephone number listed on their letter and a recording stated this number was no longer in effect. When I called the new telephone number, I could not speak to a person. I also called XXXX for the XXXX time today, XXXX XXXX, and was told they do have a bank account with the number listed by XXXX but it is NOT in my name. They refused to send me a letter stating that this is NOT my account even though the Federal Trade Commission indicated this to be one of the things I should obtain.
Consumer complaint received 2021-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Ever since Transunion added incorrect employers on my credit report per Score sense. Upon farther research this names and address and employers does not belong to me at this moment in time. I have only 1 address and 1 name I do not have any aliases, and only one Employer what these Credit Reporting Agencies are doing is criminal in itself. Because by receptively and despitefully continuing to criminally behave like this what this Credit Bureaus are doing is that they criminally putting my reputation on the line, even after multiple attempts on my part to contact them for them please update my name as it clearly shows on my Government issued Docs and for them to please remove and aliases because I never had any aliases and to please remove any old addresses of my credit reports. Since I have been a victim of identify theft in the past I am extremely afraid of falling victim of identity theft again lost the identify theft filings documents in a fire that completely ravaged our house years ago, because our family house had caught on fire so I lost all the documents that I had. Notwithstanding these Credit Reporting Agencies have completely ignored my multiple Request to them to please fix these major issues that are constantly showing my credit report profile on the contrary these agencies are frivolously subjecting my credit profile to fraud. According to the FCRA, ( Credit Reporting Agency Names are violating my rights as a consumer and I'm requesting legal action to remove these names and addresses employer immediately
Consumer complaint received 2017-11-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

In the beginning of XXXX 2017, I opened an Advance Checking account with HSBC in order to meet their requirement for {$350.00} account opening ( {$10000.00} or more direct deposit ). After selecting the middle option on their application website I arranged for the direct deposit to commence. Subsequently I was welcomed by HSBC welcome messages referring to generic " HSBC product '' until XX/XX/XXXX when the first notification of Choice account was made followed by the paper statement. Since I did n't apply for Choice account I contacted the HSBC overseas call center CS center to find out why was the account switched without my previous permission or knowledge. After a long wait ( about 10 min ) the CSR for checking stated that the issue is with online dept and not theirs and then subsequently transferred me to the non-working extension. 
When I called again and spent again about 15 min on call I was told that it was me that selected the Choice checking despite meeting the conditions in regards of the Advance checking. I was also informed that any changes in account status will automatically disqualify the bonus leading me to the conclusion that the switch has been done on purpose. 
Questions : 1 ) Why any notifications sent out by HSBC prior to commencement of the wire deposit were referring to the generic HSBC product and not advance checking? 
2 ) Why the account representatives overseas are not authorized to address issues such as this as this is the basic customer service function?

3 ) If the HSBC is the ultimate decider of what product customers are allowed to choose why it did n't send out the notifications to that effect instead of arranging the account deposit and then downgrading it to the different product in order not to pay opening bonus ( it was confirmed by HSBC representative to that effect )?
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (GA)

This debt is illegally being reported to my XXXX  and XXXX  Credit File. I do NOT have any contracts between myself and Southern Management SYST ( debt collector ) They have failed to provide documentation that the debt is legal.

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by Southern Management SYST immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.
Consumer complaint received 2017-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: First Data Corporation (FL)

I have been dealing with a bank called XXXX XXXX which is through my school, XXXX XXXX XXXX. Someone got my card number and pin number and used it. I called the bank and advised of the fraud. I sent the paper work they sent me but before they received anything from me ( because I was told by the bank my paper work was Never received ) they denied the claim. I sent an appeal letter and is been a month no one has contacted me. I have been told many times someone from the fraud department will call me. I finally did receive a call where as soon as I picked up the call disconnected. The second call someone name XXXX leaves a phone number and a extension XXXX XXXX. I was able to call and leave a message. When I called again suddenly the extension is invalid. 
I called the bank today spoke with a supervisor who told me Fraud Department has recently changed how they handle disputes.Suddenly they no longer take calls, all calls are handle through the Escalations Department. I was told this is a recent change. All they will tell me is whatever is on the account they will let me know when I call of any updates or they will send something in the mail. It has been over a month of course there has been no updates.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I have a collection account on Transunion, XXXX and XXXX from XXXX XXXX XXXX XXXX in the amount of XXXX. I was one of the signers on the account which was a business account. The account was closed by the bank. I understand reporting this against the company but not against me. The account was opened with an EIN number under a business name as a business checking account and not a personal account.
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

Customer Service Department - I 'm disputing delinquent information that XXXX XXXX has reported on my Credit Report, please note this account was paid-off in full ... Therefore I am filing a dispute and requesting to have this collection account deleted from my credit report. 

- XXXX Phone Number : XXXX - Delinquent Amount : {$100.00} - Refer # XXXX / XXXX If you have any questions or need any additional information I can be reached at the number below. 

Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2017-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

In a statement from The XXXX for XXXX XXXX, it said the balance on my account was {$530.00}. It also stated the payment due date was XXXX XXXX, XXXX. My payment in full of {$530.00} was received on XXXX XXXX, XXXX. The payment was made over XXXX weeks prior to the due date. This should have marked my account closed. 
On the back of every statement from The RoomPlace, there is a section stated " HOW TO AVOID PAYING INTEREST ''. It states : " Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin to charge interest on new purchases made under a Low APR, Equal Payment, or Budget Payment Credit Plan from the date of purchase '' However, The RoomPlace charged a {$3.00} interest charge that is on the XXXX XXXX statement. No explanation was given. In every previous month 's bill, there is an Interest Charge Calculation that shows how the APR is determined. No interest charge calculations were given on the XXXX XXXX bill. 

I opened a piece of mail today XXXX XXXX, XXXX stating I now have a balance of {$53.00}. I checked my credit report and The XXXX has now marked my account delinquent for the previous XXXX months. An error in billing by The XXXX required me to talk to three different people. No error was admitted. They called it a " floating fee '' that showed up. I explained that it was clearly charged as an interest fee after the full amount was paid. The step I am at currently is that the charges are " under dispute. ''
Consumer complaint received 2017-11-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Hello On XXXX XXXX, 2017, I transferred from my account at Coinbase the amount of EUR XXXX to my bank XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX. To this day, the money has never arrived. I have written to Coinbase support several times and called by phone. They recognized my problem, but do not respond further to my emails or calls. Every time they say the same thing : they would try, but nothing is done. I do not know what else to do. Could you please help me? 

Kind regards XXXX XXXX XXXX XXXX XXXX XXXX Tel. : XXXX Email : XXXX
Consumer complaint received 2024-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I found out that I own {$1400.00} By court document. I never open a credit card with XXXX XXXX  I ask the collector company to sent me the contract show me my signature, they never did. They suppose open this credit in XX/XX/XXXX - 2014. The company name is Midland Credit Management
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF HAWAII CORPORATION (HI)

Each month, Bank of Hawaii locks me out of my online account, leaving me unable to pay my car payment. I have to call in, and wait 20-30 minutes to talk to an online representative or go into a local branch to make the transfer. The entire point of online banking is for the convenience of being able to do it from my phone or computer at home, and Bank of Hawaii is failing horribly with their customers on this page. I 've been trying to speak to a customer representative agent the past 3 days to get my account unlocked, but due to excessive waits ( minimum 20-30 minutes ), I have not been able to access my account. They said that they added a new layer of security to their  accounts, yet all it 's doing is preventing me from being able to access my accounts, and is going to be reflective on my credit score that payments are being late- solely due to the fact that I constantly am locked out of my account. It seems as though Bank of Hawaii is doing this on purpose to collect late payment fees, and it seems scammy.
Consumer complaint received 2020-05-04
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. (TX)

show tooltip button XXXX XXXX XXXXDispute XXXX XXXXDispute CREDIT XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXXXXXX/XXXXDispute XXXX XXXX XXXXDispute all ftc violations
Consumer complaint received 2021-06-30
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. (NV)

On XX/XX/2021 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. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (HI)

I have a collection account from XXXX on XXXX, XXXX and XXXX. One says medical and the other 2 say XXXX XXXX XXXX XXXX XXXX XXXX. This is not mine.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

My information is being used to scam my account for unemployment payments. I froze my credit report with XXXX and they told me I had to contact the other two companies on my own because they would not do it for me, even though the FTC said they had to do so. Then, I froze my account at XXXX. Last, I tried to freeze my account at Experian and when I was finished, they said I had to send them a wide assortment of documents by mail or they would not freeze my account for me. I need it frozen now and why are they making me send all these documents? I believe they want me to pay {$30.00} a month to join their subscription service for freezing my credit report with them. This is illegal and they should be made to pay a fine for this deceptive practice of scamming consumers who are already being scammed.
Consumer complaint received 2018-01-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I am not able to access my funds on coinbase/XXXX since XX/XX/2017.

I tried contacting their customer support on phone. The Coinbase customer service representative on phone was not able to help me access my account.

They asked me to verify myself using their ID verification service, which is not working since XX/XX/2017 as per their status website XXXX. 

Coinbase Case # XXXX.
Consumer complaint received 2017-11-29
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: Navient Solutions, LLC. (OH)

I have sent letters to Navient-Department of Education Student Loans on XX/XX/XXXX, XX/XX/XXXX, and X/XX/2017. Asking for verification of the original instrument of indebtedness in its original form. In response Navient sent letters dated XX/XX/XXXX, XX/XX/XXXX, a copy of the promissory note. According to 18 U.S. Code subsection 474, Whoever with intent to defraud, makes, scans, captures records with intent to be used in forging or counterfeiting any such obligation or other security except by direction of some proper officer of the United States Is guilty of a class B felony. Navient have the digital, scanned, reproduced prommissory note in its possession. Unless such use was authorized by the Secretary of the Treasury. I feel as a consumer my rights have been violated. My wish is for the Consumer Financial Protection Bureau to demand on my behalf that Navient produce the original instrument of indebtedness in its original form like I asked before or remove all of this consumers financial accounts with Navient from all 3 credit bureaus ' including a XXXX balance for their treasonous deeds and all will be forgiven. All relations with Navient are now in question for passing fraudulent and misleading information to disgrace this Consumer. Consumer would also like to thank CFPB for protecting his Personal, Family, and Household.
Consumer complaint received 2018-01-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (MI)

I received a loan from XXXX and believe that this loan violates state and federal usury laws. I financed XXXX and have to date repaid XXXX and still owe over 2,000 to pay it off. I am no longer able to repay this loan and have been forced to close my checking account to stop automatic debits from occurring in the amount of over {$450.00} biweekly.
Consumer complaint received 2017-11-29
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. (HI)

XXXX XXXX XXXX XXXX has a signature loan that is currently open an in good standing. On the credit report with XXXX, Experian and XXXX it shows the account is collection/chargeoff. The payment was behind 2 months but has been brought current.