davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HSBC NORTH AMERICA HOLDINGS INC. (UT)

I purchased 2 XXXX dirt bikes using the XXXX credit card a line of credit provided by HSBC. I got behind on payments and HSBC sold the credit card debt to a third party debt collector. I was contacted by XXXX XXXX XX/XX/XXXX 2011 stating she was with XXXX XXXX XXXX XXXX and was collecting on the HSBC debt I owed. She stated the dirt bikes I purchased would be seized unless we could settle the debt. She stated that if I could pay a total of {$2700.00} which needed to be wired she would send the titles to me for the dirt bikes. I wired {$2500.00} on XX/XX/XXXX and the remaining {$200.00} XX/XX/XXXX only to find out that they did not hold the titles for the dirt bikes as they were still showing the lien holder as HSBC ( found out later ). I then realized that not only was the debt not settled but XXXX XXXX XXXX sold the debt to another debt collection agency XXXX XXXX who then started trying to collect for the same debt. I did not agree with the debt XXXX was trying to collect, XXXX filed a judgement against me which I then thought Bankruptcy was the only way out. I filed chapter XXXX bankruptcy which was converted to a chapter XXXX in XX/XX/XXXX. I feel like this was handled very wrong by HSBC who sold my debt to a third party debt collection company but has never released the liens on the bikes to these companies. Then I was lied to by the third party debt collector XXXX XXXX XXXX XXXX stating they would release the liens if I paid when in fact they did not hold the liens. HSBC has since sold the XXXX accounts to XXXX XXXX who has no records therefore I am unable to dispose of or get rid of these dirt bikes or even come to any type of settlement with them to release the liens.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (DE)

Coinbase owes me money. I sold BTC and initiated a transfer to my XXXX XXXX bank account on XXXX XXXX, 2017. I still have n't received the money that they owe me. I 've filed several support tickets and I 've never gotten any actual help. I 've only gotten generic help desk messages sent to my email. All information and proof/screenshots can be found on my reddit post. 

XXXX XXXX XXXX
Consumer complaint received 2016-09-22
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (AL)

Why did your company deny my right to a complete servicing file, in CFPB complaint number XXXX? In your response dated, XX/XX/2016, your company responded ; " Please note, all other items are considered unduly burdensome and will not be provided. '' My house has a set foreclosure sale date, XX/XX/2016, due in part to errors contained within account. How is assisting me, by providing requested documentation, I have rights to under RESPA, in efforts to prevent the foreclosure of my home, " unduly burdensome ''? How is obeying, rules and regulations, set forth by RESPA, in execution of duties as role of servicer, " unduly burdensome ''? Please explain in detail. 

Your companies arrogance, and blatant violation of rules, set forth by agencies of the US government are troublesome, and should IMEDIATLY, brought to the attention of regulators, and appropriate action should be taken, at once. 

Please cease foreclosure proceedings in relation to this account, and fix all errors, in relation immediately! 

Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

With the current situation of the COVID-19, I attempted to gather the free weekly credit report from Equifax via XXXX XXXX XXXX Despite entering my information, I encountered an error where it said that online delivery of the credit report is unavailable. I encountered this same issue a few months ago and still experience it.
Consumer complaint received 2017-12-07
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: Experian Information Solutions Inc. (IL)

After many attempts to resolve this issue, Experian and XXXX continues to report the following item : Experian : XXXX XXXX XXXX IL XXXX / XXXX XXXX : XXXX XXXX / XXXX XXXX is the company reporting the items and has made it clear that they are no longer reporting these items to XXXX, Experian, and XXXX. XXXX has deleted the item from my report. While Experian and XXXX in clear violation of the FCRA continues with what seems to be malice to report these items. Additionally, they will not provide the true source of the provider of these items or the method of verification ( as required by the FCRA ) so that I may make challenges to them.
Consumer complaint received 2017-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NM)

Hello, I had a high balance on my American Express Credit Card in XXXX XXXX. I made 3 payments as follows for the month of XXXX : Friday, XXXX XXXX - {$130.00} Monday, XXXX XXXX - {$130.00} Friday, XXXX XXXX - {$11.00}. XXXX These 3 payments totaled {$11000.00}. At this time American Express charged another {$200.00} in interest. I called an spoke with a rep of the company on Friday, XXXX XXXX and she stated she would have this charge refunded on my account because of the 3 payments made in less than a month. 

The following week I checked my account and saw that the amount had not been refunded. I called and spoke with another rep on Tuesday, XXXX XXXX and he stated that nothing was notated on my account and they would not be honoring the credit. Furthermore, he stated all that was entered from the call on the XXXX XXXX was the rep " entered something '' and it was " denied ''. 

I paid off my account with the company and the stated they would credit the interest charge as there were 3 payments and now they have no record of this promise. I find it hard to believe that there is no recording or better detail of the call to what I was promised. I found that the company is gouging and attempting to gain any dollar amount from a consumer even when they pay them almost {$12000.00} in a month.
Consumer complaint received 2018-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

1. XXXX Account : XXXX : Creditor appears to be re-aging this alleged debt. Reporting date of last payment is XX/XX/2017. The alleged debt should be listed over 180 days late and charged-off. Creditor is reporting erroneous information. 
2. XXXX Account : XXXX : Creditor appears to be re-aging this alleged debt. Reporting date of last payment is XX/XX/2017. The alleged debt should be listed over 180 days late and charged-off. Creditor is reporting erroneous information. 
3. XXXX Account : XXXX : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information. 
4. XXXX Account : XXXX : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information. 
5. XXXX XXXX XXXX XXXX : XXXX : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information. 
6. XXXX XXXX : XXXX : Creditor is reporting incorrect invormation on the report. Debt amount is under {$20000.00}. 
7. XXXX, Trans Union, XXXX, XXXX : Each are under-reporting my on-time payments currently at 99 %. This specific reporting has a very high impact on my credit score. 
8. XXXX, Trans Union, XXXX, XXXX : Each are over-reporting my credit use, currently at 5 %. This specific reporting has a very high impact on my credit score. 
9. XXXX, Trans Union, XXXX, XXXX : Each are under reporting my available credit. 
10. XXXX, Trans Union, XXXX, XXXX XXXX Each are not reporting my XXXX XXXX Credit Card Account with an available balance of {$4000.00}. 
11. XXXX, Trans Union, XXXX, XXXX : Each are improperly reporting a Chapter XXXX Bankruptcy which was dismissed and filed nearly 8 years ago. THis should be removed.
Consumer complaint received 2017-12-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC (NY)

Westlake financial services cancel my loan for a used car on XXXX XXXX XXXX because the dealership that i went through submitted a secondary loan contract with my signature unknowing to me. When XXXX from the Westlake verifications department called me on XXXX XXXX, I told her I did not send a second loan contract in. The next few days after I received the Adverse action notice from Westlake, which i have uploaded with my complain. 

My concern is that i did n't commit any fraud and my loan was denied because of the dealership actions, that Westlake knew before they sent out the adverse action notice. And i 'm also really concerned that they said I was denied because of Credit. This has cost me money to retain a lawyer at Westlake 's request, to obtain any paperwork between Westlake and the dealership from them, but they told my attorney I was not a customer and i needed a subpoena to have those documents sent over. So I filed a complaint with The XXXX. Of XXXX Services, and Westlake then turned over my paperwork without that subpoena they requested prior. 

The time in which the loan was canceled/denied, was only 14 days after purchase date. The most significant time frame for expirations on loan are 30 days. 

The loan had already gotten to the verification Department twice in two weeks. Credit was not a reason for the denial. How can this be the reason in your Adverse action Notice sent out? This is not acceptable to me and it should not be acceptable with CFPB.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am in the process of purchasing a home and after viewing my report I see that there are damages on my report. I have tried to resolve this, but nothing is changing. There are late payment being reported and in accordance with the Fair Credit Reporting Act the XXXX, Transunion, and XXXX has violated my rights under 15 USC 1681 section 6 of 2 states I have the right to privacy ( 15 USC 1681 ( section 6 of 4 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under under15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NC)

XXXX XXXX 2015 I was evicted from my apartment. All my personal belongings including identification we 're padlock inside and later thrown out. When checking my yearly free credit report there were fraudulent accounts in my name. When contacting the credit companies some did n't hesitate to close and remove the accounts from my credit. XXXX/XXXX XXXX agent could n't careless and used the number I called to harass me for payments. The other two accounts were with XXXX/XXXX and XXXX XXXX XXXX which has now sold the account to XXXX XXXX. XXXX and XXXX has removed the fraudulent accounts but XXXX  continues to report the fraud accounts even after multiple dispute submitted to XXXX.
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Someone hacked the phone of a good friend of mine and I didn't know that was possible and I was scammed. I Totally trust in my friend and the guy behind this hacking asked me if I can transfer {$980.00} to an account. he was not able to transfer money himself because he said he could not transfer because he already transfer the daily limit. He said he would return the money later the same day so I decided to help him because I trust him. I transferred the money to the account that he told me ( XXXX account ) and after that he asked for more money ( {$1700.00} ) to transfer to another account and I said that was too much money and just can help him with XXXX more but I started to suspect that someone took his phone to scammed me. I called him after that and he answer and it was a guy who was not my friend because I recognize his voice so I didn't transfer the other part. I hang the phone and immediately call the bank ( Bank of America ) to cancel the transaction but they told me that is not possible but they will make the claim but they don't assure me the money return. I attached the proof of the conversations in XXXX, the call I made when I suspected that I was not my friend asking for the transfer and also the proof of the change of phone number that my friend had to do because of the hacking. The conversations are in XXXX so I hope is not a problem for you. I really hope you guys can help me in this matter. 

Thank you in advance
Consumer complaint received 2019-11-10
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. (AL)

XX/XX/2019 I requested a verification on three items listed on my credit report XXXX XXXX, XXXX XXXX and XXXX. I also request this information from the listed creditor. I received an update from TransUnion, XXXX  and XXXX  of one of the accounts being verified with no verification proof. The XXXX XXXX account was updated as " not specified '' by TransUnion. I reached out to the listed creditor only one replied ( XXXX XXXX XXXX ) with a typed letter saying my account was verified with no official original documents. As of today I sent three letter to TransUnion, XXXX XXXX   and all creditors and haven't received verification based off the FCRA standards.
Consumer complaint received 2017-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX Chase Card in XXXX DE has run my credit without permission. I have called Chase Card in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and asked to have these inquiries removed since they were never approved by myself. I called Chase Card back in XX/XX/XXXX, put a hold on my social security number, yet they still continue to run my credit. This needs to stop, they need to remove ALL the inquires from my credit reports, none of these inquiries were initiated by myself. Please remove ALL inquiries from ALL credit reports run by Chase Card. Obviously putting a hold on my social security number has done nothing to stop Chase Card from running my credit every few months.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (OK)

I believe that HSBC is using deceptive practices on credit cards. I got the notification that my statement was available. I attempted to set up my payment as I normally do, online. However, it no longer allowed me the option. I used the chat function and learned they had placed a block on my card for reasons unknown and in doing so, also blocked my ability to even make my payment which will in turn cause damage to my credit. I was instructed to call the 24/7 help line and was told they couldn't even look up my account because it was after midnight at their location. I feel like they are placing unwarranted blocks on cards to prevent people from being allowed to make a payment so that they can charge additional fees.
Consumer complaint received 2015-11-17
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I had originally established a repayment plan of which I had paid all but the last payment. The bank account I used to pay the account ( XXXX, had a security breach and cancelled a large percent of their customers cards due to the breach ). Because of this I had to resubmit the payment method to pay the last payment and complete the agreement, which I did. Then XXXX XXXX then did not withdraw the amount for the last payment on the agreed date. Upon realizing that the final payment was not made, I answered a collection call and spoke with a representative on XX/XX/XXXX. I explained the situation, she said that I could pay the last payment and it would be done. I was at work and did not have my debit card with me and took down her name, number and extension and told her I would contact her with the info from the card to complete the transaction. Upon calling the number I found that I could not reach her and was not able to complete the transaction. I then received a letter around the end of the following week stating that the agreement was cancelled and I now owed {$480.00} in place of the final {$48.00} payment. I contacted the number listed and was told there was nothing I could do, despite the previous efforts and attempts to pay my final payment and the company not following through on the agreed upon plan. I have tried to handle this issue with the XXXX XXXX and their inability to honor the agreement appears predatory and dishonest. They have had the new card information on file since I called it in, they had it when I was told I would have to resubmit it and they have not made any effort to mitigate their mistake of not charging the card on the agreed date before. I feel that due to their lack of responsible business practices that my debt should be considered " paid in full '' and utilize this case as an opportunity to better their employees or leadership actions to ensure that another person is n't subjected to several interruption incidences that create unneeded stress on someone who obviously is already under financial stress and trying to repay their debts.
Consumer complaint received 2021-02-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I been reporting to Experian, XXXX  and XXXX  for months that a third party is reporting wrong information to them about a cancelled and close account they bought off an original creditor. The third party company is XXXX XXXX I dont have no business with the third party and the account they bought was cancelled and closed due to the product being defective as a result the original account is closed. They are violating my rights by continuing to report a cancelled account as open from a third party when it is clearly closed. It was verified and they will not remove it. I dont owe any balances to this collection agency I have no business with them neither do I know who they are besides an agency trying to ruin my credibility.
Consumer complaint received 2019-11-10
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. (CA)

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

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