davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Dear Sir/Madam : Last XXXX, HSBC was offering customers welcome bonus ( or sign on bonus ) after opening a new account, and I fulfilled all their requirements. Six months after I opened my advanced checking account, when I contacted them inquiring about the bonus, they tried to find various excuses such as I didn't place an initial deposit of {$10000.00} ( the requirement was actually {$5000.00} which I did fulfill ), I have no direct deposit while I do deposit {$250.00} of my paycheck biweekly for nearly six months already, or even saying my paycheck deposit is not direct deposit etc ..., HSBC bank is trying all its best to refuse to honor the offer, and I can not believe they can cheat customers like this. 

By the way, I am not the only who they cheated, when I searched online, there are so many complains about this fraud and they are still advertising the bonus offer now ..., and I am just wondering why there is no regulatory agency to stop this fraud?
Consumer complaint received 2022-08-07
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX # # # # # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-12
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
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. (MD)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Years ago i disputed this account that is not mine with Portfolio recovery. At the time i was told they would remove it from my credit reports as it was not mine. Well years later here we are and i am applying for a mortgage and i find out this account is still on my credit reports. This is outrageous. I disputed it with the credit bureaus recently and they have " Verified '' that the account is accurate. I am so mad right now. I need this account that is NOT mine removed immediately
Consumer complaint received 2020-03-23
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay things opened under my name. These fraudulent items are not mine. Please remove them from report.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

Equifax Is Reporting on my credit report some Personal Information that is FDCPA Section 807 Volition and Misleading False Reporting and this Inaccurate Information I don't have clue to why this Information is on my credit report.. 


This not my Address Delete this item ASAP XXXX XXXX XXXX XXXX, MD XXXX This not my Address Delete this item ASAP XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I received an alert XX/XX/20 from my credit app XXXX  showing EXPERIAN has reported my XXXX account in the following language - Account is deemed as uncollectible by the creditor and written off as " bad debt '' or " loss '' " which RESULTED IN MY SCORE DROPPING 23 points. This is misleading and malicious credit reporting. I've spoken to XXXX, on a recorded line, and the credit representative states they DID NOT SEND IN THIS INFORMATION REGARDING MY ACCOUNT. 

For one, I am currently in a repayment settlement agreement since XX/XX/XXXX, paying {$59.00} a month. I've used Experian 's online tool to dispute the account showing the incorrect status information along with submitting supporting documentation - of the " alert language and the settlement repayment plan, they state they can't see the information because I am not a member, A PAYING MEMBER. Further, they state it's an automatic alert, yet no one at the company can tell me who sent it and why. The representative hung up. IT APPEARS IT COULD BE AN ATTEMPT TO SEND AN ALERT, DECREASE MY SCORE AND FORCE ME TO EITHER BUY A NEW CREDIT REPORT FROM THEM TO SEE WHAT'S GOING ON. I WANT THE MALICIOUS AND MISLEADING CREDIT INFORMATION REMOVED IMMEDIATELY!!
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (OH)

My  Chase account  was never closed as a cancellation of debt according to a received  XXXX  from them. IRS added this amount to my   XXXX   income tax and I was obligated to pay additional taxes.
Consumer complaint received 2020-05-11
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: Experian Information Solutions Inc. (PA)

EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609
Consumer complaint received 2023-02-07
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. (MA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2020-07-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc (AZ)

I reached out to Mid-america mortgage when I learned that my tenant would be moving out of my house in XXXX XXXX. I had a buyer contact me and started lining up a short sale with mid-america mortgage starting the end of XXXX. Mid-America completely botched the short sale twice. The first time they weren't sending the right documents to the buyer and title company, the second time they raised their expected revenue by $ XXXX on closing day and the buyer walked away. This company has been deceptively slow in transactions and responding to me, and when they acquired my XXXX loan back in XXXX of XXXX, I was not able to make a payment for almost 5 months, even when I phoned nobody would take a payment. I fell behind, hence the loss mitigation and trying to get rid of the house versus getting caught up which I can not afford to do, nor can I afford the $ XXXX maintenance on the property, which magically the Mid America Appraiser ignored compared to two other appraisal performed on the property. I believe Mid America is acting in poor faith and is negligent since last XXXX in regards to the servicing of the house and property at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. During the second short sale attempt, they constantly misplaced documents that the buyer or myself had to constantly resend them. They originally asked for $ XXXX in revenue and bumped it up on closing day and my buyer walked away. I believe this is a tactic for them to be able to report a higher debt on a deed in lieu of or other public record against me, even though the property was XXXX through a chapter XXXX bankruptcy. I fought to get a buyer to benefit them and they blew that back in my face. They are already netting my Va Loan guaranty and there should have been no reason for them to come back and ask for more money. Now, they have sat on a deed in lieu of application for two weeks with no movement, and just keep " notating '' the account and telling me someone will contact me. Nobody from Mid-America has ever contacted me. This house and this company are adding unnecessary stress to a permanently XXXX combat veteran. I feel like this is the time to have the company have external pressure applied to protect my mental health and to do their job in a timely manner and to prevent them from somehow attacking me on the backend.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Experian is reporting 3 different COLLECTIONS Accounts on my consumer report which are Not accurate. The first account is XXXX XXXX ( {$3600.00} ) for which I have No contract with. If they purchased debt from XXXX XXXX XXXX  that debt belongs to them. I am Not Legally binded. 
The second account is XXXX XXXX XXXX ( {$2400.00} ) for which I have No written contract with. They purchased debt from XXXX XXXX XXXX  without my consent. This debt now belongs to XXXX. 
The third account is XXXX XXXX XXXX of XXXX  ( {$680.00} ) for which I have No written agreement with. They bought debt from XXXX, so now it belongs to XXXX, Not me! 
All of these accounts are reporting on my consumer report illegally.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

HBSC had reported an unpaid balance under XXXX dollars to the credit bureaus harming my credit. 

I had CLOSED the account two times previously. 

ACCOUNT-RELATED QUESTIONS Please do not reply to this email as the message was sent from an address that is not monitored. If you wish to submit an account-related question electronically, please contact us online through Chat or call our Customer Relationship Center at XXXX ( HSBC ) or call from anywhere in the world at XXXX XXXX. 

The source of this email alert notice is HSBC Bank USA, N.A. 
HSBC is located at XXXX XXXX XXXX, XXXX, NY XXXX. 

Our postal address : HSBC Bank USA, N.A. 
XXXX XXXX XXXX XXXX, NY XXXX We maintain strict security standards and procedures to prevent unauthorized access to information about you. HSBC will never contact you by email or otherwise to ask you to validate personal information such as your Username, Password, or account numbers. If you receive such a request, please call our Customer Relationship Center at XXXX ( HSBC ) or call from anywhere in the world at XXXX XXXX.
Consumer complaint received 2019-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Corp Solutions Inc. (NJ)

I recieved a notice in the mail dated XX/XX/2019 stating that an application for WAGE GARNISHMENT is being filed against me by XXXX XXXX XXXX XXXX on behalf of CREDIT CORP SOLUTIONS. I have no knowledge of what this is in reference to and I was never given notice to appear in court or that there was a judgement against me.This appears to be very shady and deceptive as the letter is dated  XX/XX/2019 and I recieved it well after that date with notice that if I don't reply within 10 days of the date the court will issue a wage execution against me.There is no mention of what it's for, how much it's for, or no relevant information.
Consumer complaint received 2017-07-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS is  claiming they have responded on   XX/XX/17  to the CFPB c omplaint we file d on  XX/XX/17 . (  yes they are claiming they responded the same day. i have never seen a lender respond to a CFPB complaint the same day it was filed. ) Neither we, nor the seller, nor the CFPB has received a response from SPS. We spo ke to SPS prior  to today they state they must receive a complete short sale package within 30 days of the foreclosure date. And now all of the sudden, today, we have been told they have new guidelines stating they must receive the complete short sale package at least 60 days prior to the foreclosure date. They are claiming this is an investor guideline and it has always been this way. ( I find it funny that SPS can not even keep track of the LIES they tell fro m one ph one call to the next. ) We have just spoken with  XXXX , the investor, and they have stated this is not true. In addition, we have closed more th an 2400 short sale SEVERAL HUNDRED of th em with  XXXX , and the guidelines have never been 60 days. Wh y is SPS makin g up guidelines? Is this because the seller is  XXXX ?
Consumer complaint received 2021-03-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

In reference to Wells Fargo letter responding to CFPB Complaint ID XXXX. 

In response to my complaint indicating discrepancies between the credit reporting bureaus of my current credit status and loan balances of my HELOC, Wells Fargo indicated that after a thorough review of my concern, they determined as of XX/XX/XXXX, that they were reporting correct information across all three bureaus. This seems to indicate that there has been no problem with Wells Fargo reporting promptly to the credit bureaus. 

Upon requesting a current credit report XXXX XX/XX/XXXX ) from all three credit bureaus, I have found another instance where Wells Fargo has not been promptly or accurately updating all three credit bureaus regarding my current credit history at Wells Fargo. 

According to the credit reports I received from XXXX, Wells Fargo reported on XX/XX/XXXX that the account was closed with a XXXX balance. According to the credit reports I received from XXXX and XXXX the credit information for the same Wells Fargo account was last updated on XX/XX/XXXX. Both reports inaccurately show that the account is still open and that I am an authorized user on the account, the credit utilization is 23 % based upon a balance of {$4200.00} of a credit limit of {$18000.00}. 

Is it normal for there to be a 4-5-month discrepancy in credit history reporting? 

Sincerely, XXXX XXXX
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. (ND)

My XXXX loan is paid in full and I have proof!! 
In accordance with the FcrA.the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 US C 1681. I told Experian, XXXX and XXXX to reinvestigate these accounts. Child support account number ending in XXXX, child support account number ending in XXXX, and XXXX XXXX account number ending in XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to the 15 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is incorrect.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX has repeatedly communicated with me both directly and indirectly by duress and coercion. My vehicle was repossessed which they had no right to do as there is no UCC filed meaning no lien is present. Theyve sent multiple correspondence lowering the price in order for them to remove. They went as low as requesting me to pay {$2000.00} and they would delete and remove because they are aware that I truly owe them nothing. The car was paid for at the consummation of the transaction to which I had no awareness. The contract was also subject to arbitration to which XXXX XXXX failed to comply by and illegally and unlawfully repossessed my car and still trying to purchase the debt.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.
Consumer complaint received 2018-06-21
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 — Problem with personal statement of dispute
Company: Commonwealth Financial Systems, Inc. (FL)

Hi Sense XXXX last year I'm doing automatic payments on this two accounts, trying to fix my credit score but first still showing up on my credit history and second balance never change my I wound like to just disappear from my record cause it's been getting taking care off I spoke to my creditor but still the same info not helping my score
Consumer complaint received 2020-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OR)

Hi - I have a big problem with my mortgage servicer, PHH/XXXX XXXX. I indicated I wanted to be in the forbearance plan back in late XXXX, but after I did more research decided against it, and conveyed that message to the servicer, in writing! 

I have not missed any payments, and in fact have I have made my payments on time. I have, in writing, indicated I did not want to be in the forbearance plan. Today I got a letter saying I was approved for the forbearance plan, and my next payment would be due three months from today. 

Even the dollar amount on the banks statement / forbearance letter is off by a lot! And, there is no explanation of break down of these charges. 

Having been in the XXXX XXXX business for 15 years, and having lived through the financial crisis I am very concerned for not only myself, but others. Especially after receiving the piece of mail I received today. 

I have kept every bit of communication, all of it in writing. I am willing to go over it all with you and provide you with copies. I need your help! Thank you. XXXX XXXX
Consumer complaint received 2020-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

I have been requesting numerous times for. the validation of my original signature regarding a collection account was sold to the collection agency Portfolio recovery associates XXXX XXXX XXXX   XXXX, VA XXXX on XX/XX/2017. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). That required by federal law to verify through the physical verification of an original signed signature from the consumer-any and all accounts this company post on a consumers credit report. Portfolio recovery associates only provided copies of credit accounts statements " only '' with-out the requested original signed signature. I have been demanding to see verifiable proof of my original consumer contract/ documentation with my signature on it. that this company have on file. Under the fair credit reporting act section 609 ( a ) ( 1 ) ( A ). l feel that this company Portfolio recovery associates is trying to extort me for funds on this account in question an have not been verify with my signature required by law, if this can't be verified this account must be removed from my credit report immediately.
Consumer complaint received 2021-10-09
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. (MS)

I reported a fraudulent account on my credit report to the credit bureaus and the creditor and they have yet to remove it or verify it. which is a violation of the credit act.