davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-14
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. (NV)

I recently applied for a car loan and when I checked my credit report I realized I had a couple of fraudulent hard inquiries. Im have a membership with Experian so right away I was able to locked my credit report. I tried to dispute this fraudulent hard inquiries online but it wont let me. Please remove these fraudulent hard inquiries from my credit report. Thank you very much for your help! 

XXXX XX/XX/2021 XXXX XX/XX/2021 XXXXXXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2020-07-21
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. (CA)

I AM VICTIM OF AN IDENTITY THEFT, PLEASE SEE THE ATTACHED ITMES I HAVE BEEN SENDING TO THE CREDITORS AND TO THE BUREAUS. I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED, I NEVER AUTHORIZED ANY OF THE CHARGES. 

MY PROBLEM IS NOT ONLY I AM VICTIM OF AN IDENTITY THEFT, BUT NOW I AM TRYING TO PROOF THAT THESE ACCOUNTS ARE NOT MINE. I HAVE BEEN PROVIDING MY IDENTITY THEFT REPORT ALONG WITH THE POLICE REPORT, I AM NOT SURE WHAT ELESE TO SEND THEM, I KEEP CALLING THE CREDIT COMPANIES I SENT THE DOCUMENTS THEY NEED TO REMOVE THE ACCOUNTS, AND ITS BEEN OVER A MONTH THE ACCOUNTS ARE STILL ON MY CREDIT REPORT. THE SME DOCUMENTS I SENT TO THE BUREAUS AND THEY NEVER SENT IT TO THE CREDITORS. 

I DONT KNOW WHAT ELSE TO SEND THEM I AM SENDING MY IDENTITY THEFT REPORT AND THE POLICE REPORT. THE ACCOUNTS ARE NOT MINE, THE CHARGES ARE NOT MINE. 

I KNOW THIS IS MY PROBLEM BUT I AM A CONSUMER AND I NEED PEOPLE TO CARE.
Consumer complaint received 2018-07-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC N/A has been holding up a payment from the XXXX to our account in the amount of {$120000.00} for over 10 days now. We have been receiving transfers from this account dozens of times a year for many years. All the information that HSBC requested has been sent to them repeatedly. HSBC employees routinely lie to us, ask for information that we know they already have, and send us on fool errands to see if we go away. Meanwhile, their illegal retention of our money is causing us serious financial problems.

Specifically, the HSBC employees named below, whose responsibility is to help us in these matters, have refused to even return increasingly urgent calls or emails from myself and my wife, over a period of days, in a extraordinary display of unprofessional conduct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In XXXX I took out a home improvement installment loan with XXXX XXXX XXXX to install solar panels on my home. The next year I sold the home but continued paying the installment loan. In XXXX my business failed and I was near bankruptcy. I decided to pay as much as possible to all existing debt rather than file for bankruptcy. I made an agreement with XXXX XXXX. and they charged off the remaining amount of {$6500.00} in XXXX of XXXX. In XXXX of XXXX I applied for a home loan to purchase a new house. I was denied and told I had credit concerns involving a past Home Mortgage loan. I have never missed a mortgage or rent payment in my life. 
I called and found that XXXX XXXX reported to the credit bureaus the home improvement installment loan, but the XXXX report FALSELY labeled the loan as a Real Estate Loan/Mortgage loan. I asked XXXX XXXX to fix the error. They sent a detailed letter to the credit reporting companies telling them it was a " Home Improvement Installment loan. '' They apparently ignored the letter and nothing was changed. ( see attached response from XXXX ) This error will prevent me from qualifying for a home loan for 4-6 years!
Consumer complaint received 2018-07-05
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. (GA)

On XX/XX/2017, I had a security freeze placed on my credit ( see attached ), for which I paid {$3.00}. Recently, when I logged in, I see that the security freeze has been removed without my permission. I have tried calling the company ( Experian ) multiple times on multiple days but can not get through. I have tried sending them the online forms on their website but these do not work at all! I just get error messages which make no sense. 

This is especially distressing because my house was burgled and personal information was stolen in the last couple years.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (GA)

I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes 1002.2 ( 3 ) ( h ). 
If you, Navy Federal Credit Union adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to 1002.2 ( 3 ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal. 
I am aware that you Navy Federal Credit Union are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions.
Consumer complaint received 2018-07-05
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: Paramount Recovery Systems, L.P. (TX)

I have tried to contact the company in regards to this complaint to no avail, I am trying to get this account removed from my credit report as I have no recollection that this visit to the hospital ever occured. I am just trying to get it taken off my report and have tried to even come to a settlement for a ( PFD ) '' Paid For Deletion '' even though I don't believe the account belongs to me however it is the last and ONLY negative account on my credit report and I wish to have it taken care of ASAP ...
Consumer complaint received 2018-07-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (NJ)

This is the history that was made to my account on XX/XX/XXXX I made a payment for {$430.00} and {$170.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$410.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$270.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$240.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$330.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$280.00} went to the interest. The interest was just extremely high it keep increasing every month. I had to leave this bank immediately. However all my payments were made and is in good standing. I would not recommend this bank to no one. I still have a large balance on this loan like I never paid.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (IL)

I applied for consumer credit on XXXX XXXX with Pen Federal. I was denied and sent an email stating why. On XXXX XXXX I called and spoke with XXXX the assistant manager in finance regarding the application. I was told that I was denied do to having too many inquiries. I then stated to her that I used my social to access this consumer transaction which is based on my unlimited credit. I also stated that they are in violation of 15 USC 1611 by denying me this. She told me I will also recieve a letter in the mail stating this. I told her that I'm aware of the step that are taken. I also stated that they are in violation per Regulation B and many other laws that their " key factors '' are unacceptable and that they should be compliant with the ECOA.I asked to speak with the underwriter and was told that the underwriter only makes calls if he is needing more information from the consumer. XXXX then stated that she could have her supervisor give me a call. An hour later I received a call from XXXX. I explained to her everything that I explained to XXXX. She then stated that I was denied specifically do to my credit score. I asked if I could get that sent out to me stating that exact reason. I was told " no, and that I should try to get my credit score up more ''. Per the ECOA under 'Prohibited Practices, Credit Scoring Systems , and Judgmental Evaluation System '' and many other laws they have take adverse reaction against me.
Consumer complaint received 2020-07-21
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. (PA)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2022-09-14
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: Convergent Resources, Inc. (TX)

This is my official Notice of Dispute. I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, Gramm Leach Bliley Act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit XXXX XXXXXXXX and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.
Consumer complaint received 2021-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Hypur, Inc (CA)

XXXX I am now a former Hypur customer. When on the phone with customer serive today, I was told " go ahead and complain wherever you want. I am taking that advice. 

Hypur has repeated transaction failures that have not been transparently explained when directly questioned. The lack of transparency is difficult to accept from a service that is directly linked to my personal bank accounts. After a challenging customer service chat XXXX to be clear and honest, it was challenging from both sides and for both parties ) I requested deletion of my data and written confirmation that this was complete per the California Consumer Privacy Act ( CCPA ). I was told t oh we dont qualify XXXX XXXX XXXX XXXX XXXX SO I am unable to comply with that request. Then I was locked out of my account. I called to ask to be unlocked so that I could unlink my financial information myself or confirm this was complete. 

Please note that when I attempted to log in, I was not told that no account existed - I was told my account was locked. And, the person who supposedly deleted that data told me that he could not email me. When I called customer service, they said that actually an email was standard - but then just sent me a generic email with no traceability ot my request. I was told that I was no longer able to access my account. I was told that I would be unable to verify that the account was not linked. I was also then given the advice to find somewhere else to complain. 

The above events - between my data delete request and phone call that resulted in an email confirmation was less than 20 minutes. I do not have confidence that a proper process was followed for my request.
Consumer complaint received 2020-08-24
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. (AZ)

US DEPARTMENT reports that all my loans are charged-off. The Accounts do not have a past due amount but they are still reporting over +120 plus days delinquent. How can I not have a past due amount but still be delinquent? These are the following account numbers : XXXX, XXXX, XXXX, XXXX, There are 10 Loans in total.
Consumer complaint received 2020-07-21
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. (GA)

Theses company would not remove the following accounts from my credit profile. Theses accounts are not mines and need to be removed ASAP! 
-US DEPT OF ED/ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 

XX/XX/2020 " Verified '' ( NO PROOF ) XX/XX/2020 " Verified '' ( NO PROOF ) XX/XX/2020 " Verified '' ( NO PROOF ) XX/XX/2020 " Verified '' ( NO PROOF )
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2020-08-24
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. (AZ)

US DEPARTMENT reports that all my loans are charged-off. The Accounts do not have a past due amount but they are still reporting over +120 plus days delinquent. How can I not have a past due amount but still be delinquent? These are the following account numbers : XXXX, XXXX, XXXX, XXXX, There are 10 Loans in total.
Consumer complaint received 2020-07-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX IXXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2021-02-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2020, I wrote to XXXX, Equifax, and XXXX requesting an investigation into items that I believed were INACCURATE, and OBSOLETE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Consumer complaint received 2019-06-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: A.R.M. Solutions, Inc. (IL)

An security alarm company, XXXX/XXXX/XXXX XXXX XXXX, on XX/XX/2017 Scammed me with a defected security alarm system. The installer can to my house after dark to install the system. When he finished he had no paper work with him, saying the office would contact me the next day. He said I would have to pay {$99.00} for installation with a credit. I paid with my credit card, and he sign the installation sheet and told me to sign, I did. He told me If I had any problems to call him. He wrote the phone number down and Left. The next day I dropped the handle of my mop, and the alarm went off like crazy, I call the installer, XXXX XXXX. He told me to reset it. I called him many, many time after the initial time, because the system would go off for any little reason. The installer stopped answering my calls. XXXX, would call me when I would leave home on multiple time, saying someone was in my house, I rush back home and nothing would be wrong, except the alarm.going off again. XXXX sent out many people. Finally the last the last guy told me the wrong system was installed, and to call XX/XX/XXXX loyalty dept, to get the correct system. Called XXXX, the next day, They said the company that did the installation was XX/XX/XXXXand they would call them with me on the phone. They talk to a XXXX in finance, explained what was happening with my system, and a new system should be installed for my high ceiling, She said they only had one type of system. She said she would cancel my contract, I told her I never sign a contract, because they never sent me paper work. She did not respond. I ask her about refunding the {$160.00} and all the money I paid, she stated she would refund the XXXX only, she never refunded me the {$160.00}. She said the system would be turned off right away, but she turned it back on two week later. I called and called, XX/XX/XXXX/XX/XX/XXXX, they would not take any of my calls or leave me on hold until I hung up. Please help we, they have ruin my credit. I found out later, that XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX ( Which was the company I called ). All three works together to fraud and scam people. There are many people on the internet that are saying the same thing about these three crooked companies. The three crooks, put a contract on line, where someone from their company forged my signature.
Consumer complaint received 2020-07-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I XXXX
Consumer complaint received 2017-06-12
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. (OK)

In XX/XX/XXXX, I received my first statement from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating my Title XXXX Federal Student Loan was going to be reported delinquent. As a result, I asked Federal Loan Servicer XXXX XXXX to consolidate the Title XXXX Federal Student Loan with my other student loans. On XX/XX/XXXX, my XXXX Title XXXX Federal Student Loan was consolidated to my other XXXX XXXX Federal Student Loans, which are frozen in Federal Unemployment Deferment, as noted in the attachment from XXXX XXXX. However, XXXX reported me as delinquent in XX/XX/XXXX. My XXXX Title XXXX Federal Student Loan is not delinquent in XX/XX/XXXX, since it was consolidated inXX/XX/XXXX.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DataMax Corporation (AL)

Currently, the credit bureaus are reporting the same debt in separate entries per what is being provided by  Interstate Credit Collection  and  XXXX   XXXX   XXXX . The balances are not accurate or matching up. I have attached a letter where asking for assistance in matter but have not heard back from either company.