davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

On or about XXXX my HSBC credit got a unexpected credit limit increase. I notice on XXXX or XXXX XXXX CC statements my balance continue to increase after making timely monthly payments. I call the customer service for HSBC and reported Fraud charges with a balance of about XXXX dollars, my credit card was cancel and a new one was sent out. the next month, I notice the balance was forward to the new credit card, I call customer service and requested an explanation why ; I have monthly finance charges on a balance that it is not mine. the new credit card was cancel and the HSBC agent sent out a new credit card and mail me a written copy of the my fraud report. Now I have a debt collector calling my cell phone numerous times per day demanding XXXX dollars minimum payment. 
the Balance on the new credit card is up to XXXX dollars. These charges are Fraud charges from the same people, the same charges were done on my XXXX XXXX credit card and my XXXX Credit card. those charges were corrected. this is Identity theft and the HSBC agent agreed, but the Credit card account still continues to accrued monthly finance charges of XXXX dollars.
Consumer complaint received 2017-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I closed the credit card on XXXX 2013, but still display it on the credit report. 

1. bank of america A # XXXX open date XX/2013 closed date XX/2013 ( chapter XXXX ) {$1500.00}
Consumer complaint received 2022-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc. (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2024-01-29
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern : I recently received a copy of my credit report. The credit report showed unfair credits acts by companies that I do not recall authorizing. I understand that they shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit 16 CFR 313 433. 2, 16 CFR 313 433.3, 16 CFR 433.1. Par the FCRCA as a federal protect consumer I am now opt-out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal and it is infective immediately and indefinitely stop reporting the utilization but keep it usage on the report par 15 U.S.C. 6802, 15 U.S.C. 6803, 15 U.S.C. 6804, 15 U.S.C. 6805 I've listed the third party companies names They are a third party companies, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I want to be compensated for the violations {$1000.00} per violation and Pain And Suffering, Humiliation.
Consumer complaint received 2022-03-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NV)

I am in a fixed income situation. In order to avoid a potential foreclosure due to the increase in the drastic price elevation, I cancelled XXXX services with my mortgage company, LoanDepot, i.e. an insurance policy and tax payment service. The result of my action I now pay down the debt plus interest. I had {$2300.00} in escrow with LoanDepot. 
LoanDepot has taken the funds that were in escrow and called it a payment. I believe this is illegal and I want the escrow funds returned to me.
Consumer complaint received 2024-01-29
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)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2021-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

I was denied my XXXX XXXX final year from MyFedLoan numerous times before they finally approved it. Now I am trying to get the XXXX Loan Forgiveness for completing 5 years of service. MyFedLoan is telling me I do not have five complete years of XXXX  because my first year started in XXXX and they are looking at the current school year calendar that stats in XXXX. They are saying the first year only counts as half a year. My district counted it as a full year and has signed off on the paper work. No where in the rules and definitions for MyFedLoan does it contain a set of dates or a percentage of the school year that makes this time ineligible. I had to call and talk to them to find this information out. I am just not sure what the point of the authorizing signature is on the form if they are not going to go by their word or follow up with them. I am very frustrated with this company and know that if I wait until the end of this semester and resubmit the paper work ( which is the guidance they have given ), that there is going to be another excuse. I also no they are losing their contract so it will be someone new that may make things more difficult as well.
Consumer complaint received 2022-01-06
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. (FL)

I requested proof of debt on XX/XX/2021 of a debt XXXX reports I owe. 

I demanded copy of agreement, and none was provided. 

XXXX sent the attached letter dated XX/XX/2021, did not addressed the request, yet continues to report false information on my credit. 

Pursuant to the FDCPA ( 15 USC 1692g Sec. 809 ( b ) ), I am entitled to receive a copy of any credit card agreement and a statement of account when I request it.
Consumer complaint received 2021-07-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LTD Financial Services, L.P. (NC)

LTD Acquisitions LLC is reporting false and inaccurate information on my credit report.

This company is alleging ( by reporting ) that I owe and amount on an account that is still open. Collection agencies are not lawfully allowed to report an account as open, nor are they lawfully able to report a past due balance. 
This alleged debt has also never been validated after them calling me repeatedly ( after being advised to only contact me by mail ).
Consumer complaint received 2017-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am trying to access my account from another application with my username/password and CapitalOne is blocking it. Custom rep on the phone said they ca n't do anything to unblock it and claimed it was for my own protection in light of things like the XXXX breach. That does n't make any sense because I am trying to authorize myself to use my own account, and clearly the information is already store on Capital One 's servers either way.
Consumer complaint received 2020-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (OH)

I have requested method of verification, validation of debt, and assignment of debt for this account and it was not receive ; in addition, not real investigation took place, which is required. 

The method of verification and validation of debt should supplied the names, phones numbers, dates, of people involved with notarized documents. 

The credit agencies should be held accountable and sued again as they did not complete an investigation provide the supporting documents as per the Fair Credit Act. 

I have the certified tracking number mail, so they have received the request.
Consumer complaint received 2020-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (OH)

I have requested method of verification, validation of debt, and assignment of debt for this account and it was not receive ; in addition, not real investigation took place, which is required. 

The method of verification and validation of debt should supplied the names, phones numbers, dates, of people involved with notarized documents. 

The credit agencies should be held accountable and sued again as they did not complete an investigation provide the supporting documents as per the Fair Credit Act. 

I have the certified tracking number mail, so they have received the request.
Consumer complaint received 2022-12-14
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2017-11-27
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. (CA)

- XXXX/XXXX/XXXX I got identity theft and XXXX ( XXXX XXXX ) called me to confirm if I applied for it. 
I said no and they cancelled it However they did not cancel my hard inquiry and I called them back to remove this. 
The reps did not know how to go about this as they were unable to find my application. 
So they hung up on me few times which left me with no choice to contact the CFPB. 
I even asked Transunion to remove the hard inquiry but they were unable to. I thought this was weird too since XXXX handled it very well and quickly. 

XXXX XXXX also sent a declined letter of an application that I DID NOT submit. 
Yet they are also hard to reach to get this hard inquiry removed too. 

Please advise how I can get this amended immediately.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

On or about XX/XX/2021, I had an extension applied to my account to defer the XXXX payment for Nissan Motor Corporation which would cover my XXXX payment, so doing this I had a payment return of {$470.00} because at the time we needed that money back and I was never contacted or told that because the payment was returned the extension was canceled ; this caused me to have a missed payment and go directly on my credit report which at the time is significant and we were close to owning a home but because of this inaccuracy it has delayed us in buying a home. When I talked to Nissan they said to contact you to get this removed so we can purse this action. This caused my credit score to drop to XXXX and not the XXXX to be able to close on my house. I would like this investigated and removed from my credit ASAP. Once i knew it was late I immediately paid the requested amount. To this date if i have been late on a payment I had requested an extension and never had been late on this account, please see account history attached. Thank you!
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NM)

A fraudulent loan showed up on my credit report from XXXX XXXX. I contacted XXXX XXXX and they sent me a packet to complete and send back. I sent the packet by certified mail on XX/XX/XXXX and XXXX XXXX did not pick it up so I sent the packet again by both certified mail and priority mail on XX/XX/XXXX. XXXX XXXX signed for the first certified package on XX/XX/XXXX and the second Package on XX/XX/XXXX.  The tracking numbers are XXXX and XXXX. I also disputed the account with Experian. Experian notified me they had investigated and found that I had not contacted the company and they were n't going to remove it. I have attached the letter from XXXX XXXX dated XX/XX/XXXX and all the tracking documents. I called XXXX XXXX on XX/XX/XXXX and XXXX told me they had not received any of the packets I sent even though they signed for them.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote the three credit bureaus, XXXX XXXX  and TransUnion. I sent my disputes certified mail. None of this companies has responded.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I have hard inquiries on my report that I have no affiliation with. I didnt apply for credit for these accounts. 

XXXX XXXX bank XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These unwarranted inquiries are having a negative impact on my score. I dont have any accounts with these companies.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

Experian shows collections from XXXX XXXX XXXX for XXXX XXXX XXXX. I have called XXXX twice and said, send me a bill!! I always pay medical bills. This goes back six months, and I am still waiting for a bill. 

I do not think it is fair to show bad debt and not allow me a chance to even get a bill to pay. Can you help?
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (CA)

I have written several disputes to XXXX, XXXX XXXX and the 3 credit bureaus regarding some lates they reported on my credit. I requested deferments with the creditors and they agreed and said they would not report me late. These all occurred during Covid when I was affected by the pandemic. I am asking due to the Cares act that you please help assist me with getting the creditors or bureaus to remove the lates they reported that have caused my scores to drop over XXXX points.
Consumer complaint received 2020-11-12
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: Atlanticus Services Corporation (GA)

I emailed on Aspire Credit Card Company on XX/XX/2020 a Customer Statement of Disputed Items form. I explained that I returned a product on XX/XX/2020 via XXXX with a tracking receipt. As of XXXX XXXX, 2020, over 10 days had passed and the company still keeps giving me the run around regarding my refund. I have called Aspire Credit Card Company every XXXX days and each CSR never is able to inform me anything about my refund on my credit card. The purchase was for {$100.00} and I have not had this about available to me as available credit. I have continued to accrue interest on my monthly bills without the {$100.00} deducted. Today 's date is XXXX XXXX, 2020, and I have not received any communication from Aspire regarding my dispute. I was charged interest over the period when this amount was in my aspire balance and I would like my interest to be adjusted as well.
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA (GA)

I received a mail offer for a credit card from First National Bank of Omaha for a XXXX XXXX credit card. The offer stated that there would be a 5 % transfer fee on all balance transfers and then an 8.99 % APR for the life of the transfer if done within the first 3 billing cycles. I applied and was accepted. After receiving my card the terms were different. They stated 0 % XX/XX/XXXX until XX/XX/XXXX then 23.99 % after that. I called the credit card company and they advised their original offer was a " typo '' on their end. I then contacted the BBB and 2 weeks later on XX/XX/XXXX I received a letter from First National Bank of Omaha saying they will honor the original terms. And, the interest would be 0 % until XX/XX/XXXX and transfers would be 8.99 % after that for the life of the loan. Today is XX/XX/XXXX and I am still unable to make the transfers because the bank has not fixed the terms on their end. I am accruing interest on the cards I want to transfer daily. I just want them to do what they said they were going to do. I have called and sent several emails to the bank and have spoken with countless managers and supervisors. They have all stated that they do not know when I will be allowed to make the transfers because they do not know when the terms will be updated. This is ridiculous. I do not understand what is taking so long. Please help.
Consumer complaint received 2020-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (PA)

I sent letters to them disputing the alleged debt, but they ignored my request and fail to provide proof of claim as I requested. I sent several letters explaining myself as well as requesting to be provided with any contract, affidavit or agreements which would bear my signature and theirs showing that I was indebted to them, and they refused and never answered.any of my letters. 

All my Mail was sent by Certified Mail, Returned Receipt requested, and the were returned to me signed.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Pursuant to 16 CFR 313.7 and 313.10 ( a ), BANK OF AMERICA is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties. 

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, XXXX, XXXX, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of BANK OF AMERICA with whom I have a direct relationship. They are separate entities from BANK OF AMERICA that provides my financial information. They ARE NOT jointly employed by BANK OF AMERICA with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with XXXX, XXXX, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report. 

According to subsection ( e ), it is mandated that BANK OF AMERICA complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time.

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically.

Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship.

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7.

The request the account in question to promptly reflect positive status, ensuring no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request.

I emphasize that any opt-out clauses established by BANK OF AMERICA do not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of BANK OF AMERICA internal policies, the rights granted by federal laws take precedence.

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.