davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (OH)

I am receiving phone calls from a company that shows up on the caller ID as XXXX XXXX. The phone number is XXXX. They called on XX/XX/17. Unfortunately, my caller ID doesnt go back far enough to see the other dates. I get calls these very frequently and would like for it to stop. I have asked them on numerous occasions to take me off of the call list and to leave me alone. The last time, I asked the representative if she understood that a fine could be leveled against the company for calling someone on the do not call list and she hung up on me. I get several calls in a day from telemarketing services and I feel that the DNCL and associated laws are not working. Please help correct this issue. Thank you.
Consumer complaint received 2017-10-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST HERITAGE CREDIT LLC (LA)

They call my personal cell phone XXXX or more times a day. They call my job and leave embarrassing messages with my coworker. They call my husband 's cell phone twice a week or more and today XXXX/XXXX/XXXX they called my husband 's job. This has been ongoing since XXXX. I have asked them to stop calling my friends and family and they wo n't stop. It is always this lady named XXXX who crosses the line.
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

Commencing on or about XX/XX/2022, my company fell victim to two multi-layered scam operations run by someone who created a mirror site of XXXX XXXX XXXX ( the Scammer ) which involved me making deposits for a total amount of XXXX USD from my HSBC XXXX account to HSBC US at the instructions of the scammers.
Consumer complaint received 2017-10-17
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. (MD)

The credit bureau has illegally added a late payment for my closed XXXX XXXX credit card that was paid over two years ago. The account number is # XXXX and this account should not be reporting any new activity, it has been paid and closed. I am attaching a screenshot from an XX/XX/XXXX credit report and a recent XX/XX/XXXXreport I got from my mortgage broker. As you can see in the screenshot I highlighted, the credit bureau added a 90+ late payment date of XXXX for my XXXX XXXX account. This is impossible since the date of last activity for the account was XXXX XXXX and it is a closed account. Under the Fair Credit Reporting Act Section 605 ( c ), it is a violation for a creditor and credit bureau to try and " re-age '' an account by updating the date of last activity. I need this XXXX 90+ late payment to be deleted immediately as it is inaccurate and incorrect reporting.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

1. XXXX XXXX XX/XX/XXXX did an inquiry on my report without my consent. 
2. XXXX XXXX XXXX Bank XX/XX/XXXX did an inquiry on my report without my consent. 
3. XXXX XXXX XX/XX/XXXX did an inquiry on my report without my consent. 
4. XXXX XXXX XX/XX/XXXX did an inquiry on my report without my consent.
Consumer complaint received 2021-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On Friday, XX/XX/2021, I made a payment to both of my credit cards from Capital One. I always pay my credit cards from the same bank account. I was checking to see if the payments were made through the Capital One app and a payment was applied to the second card I have but the money was not available. I called Capital One to see what was the issue. I spoke with a representative named XXXX ID # XXXX. She told me that my payment had been returned in XXXX and that from now on Capital One has the discretion to hold money from my account. She then had the audacity and proceeded to ask me what I needed the money for!! Otherwise I would not get the money released unless it was for groceries or gas!! I told the representative it doesn't matter what the money will be used for if I paid the payment I can use the available funds for what I want!! 

I then told her I wanted to speak to a supervisor then XXXX ID # XXXX said, " no worries '' as if to say XXXX you in so many words! I spoke with XXXX ID # XXXX. She stated she would send me paperwork stating that Capital One has the right to hold my available funds at their discretion which makes no sense!!
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

I paid this account completely off with a balance of zero in XXXX of XXXX. I set up recurring payments of XXXX XXXX dollar payments with walmart to complete the balance in full. Walmart then closed my account in XXXX of XXXX but are reporting to the credit bureau that they closed it in XXXX of XXXX which is incorrect Since then. the company continues to charge me with late fees and rolls the balance with more fees. They send the balance to the credit bureau but have not sent me a bill or anything in the mail to support the balance they claim is owed. 
I have mailed XXXX, XXXX, and XXXX to investigate this error and remove it from my account. Since the account is listed as 'closed ', walmart does not respond and they are not updating this account correctly on my reports. 
I need assistance in getting the balance shown as zero and the late reporting removed or the complete account removed. 
They are not fcra compliant as they continue to report and refuse to respond to my issue.
Consumer complaint received 2021-04-21
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. (TX)

XX/XX/XXXX and Transunion are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. 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 NOT CAPTURED - XXXX XXXX XXXX - XXXX ; and XXXX XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2017-10-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Crow Creek Sioux Tribe (PA)

I took out a loan out of desperation - I was advised on the site that this was not a cheap way to borrow money but I was led to believe that I could make payments and pay it off over a short period of time - this was not the case. I called them and let them know I was having difficulty but they were still withdrawing money. I then tried contacting a negotiator - in XXXX my balance was XXXX - they kept adding exorbitant interest and in XXXX said I owed XXXX - but they would accept XXXX - the best they would accept I have continued to make payments but found out that in Pennsylvania it is illegal for this kind of interest. and that my state is going after these companies that try to avoid regulation by saying they only listen to tribal law.
Consumer complaint received 2021-01-19
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)

All three credit report agency is reporting false things and its not me .Please removed things off my credit .My credit score is very low and I need this removed asap .These companies is putting information on my credit that's false.
Consumer complaint received 2017-06-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL (NY)

3rd party attempted to call me to collect a debt on money I owe to synchrony bank and the Amazon.com store card. Collections agent called in XX/XX/XXXX and failed to disclose that the call was an attempt to collect a debt and any information would be used for that purpose. Called the company on XX/XX/XXXX to file a complaint and have the call listened to to confirm that the agent did fail to read my rights.
Consumer complaint received 2017-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

XXXX Bank XXXX XXXX XXXX filed suit against me I have been sending letters registered mail with return receipts for them to validate the XXXX & XXXX proof of claim that they say I owe with no response.They set the sale date for XXXX XXXX and next week XXXX XXXX a hearing is set with the court to grant the bank writ of XXXX.They have been ignoring every letter sent with no response. The total amount they say owed is $ XXXX.The Loan Servicing Company XXXX.
Consumer complaint received 2024-02-19
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. (PA)

My car was stolen at XXXX XXXX early morning on my way to work. I am now fighting tickets and credit accounts that I did not create. I am living a nightmare trying to get my name straightened out.
Consumer complaint received 2021-09-06
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. (TX)

I have sent more than 5 letters to XXXX and all 3 credit companies asking to remove a debit that is not mine. XXXX has sent me copies of bills as validation of a debit that I never had. The signature is not mine. I'm a male and the copy of the signature is of a female and not even close to the spelling of my name. Each time I dispute the collection each credit company says XXXX has certified that it's mine and they keep reporting it. 

I am sending the same proof I've sent to all 3 companies to show this is not my debit. 

So how could it be certified?
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Media Collections, Inc (IL)

Continued calls from this company to me for a debt that does not belong to me. They continue to contact other people in the company I work for causing damage to my reputation and causing personal embarrassment. They have been told numerous times I am not responsible for this debt and the person they are looking for is not employed by the company I work for.
Consumer complaint received 2017-06-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Niagara Restitution Service Inc (LA)

On XXXX/XXXX/XXXX XXXX XXXX left a voice mail on my cell phone stating that criminal charges had been issued under my name and social security number, along with the request to suspend my driver 's license and any other professional license 's I might have. She also said that I would be served with papers on XXXX/XXXX/XXXX. She left a phone number ( XXXX ) to call her back but never stated what company she was calling from. I returned the call and she denied the fact that she said these things. I asked what company she was calling from and she told me Niagara Restitution Services but would not give me a physical address. I hung up with her and called her on another phone line and played the voice message back to her over the phone. She then got very rude as she had been caught in a lie. I have the voice mail and will save it.
Consumer complaint received 2017-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (CA)

Within this past month I have disputed GC Services with all three bureaus and in less then 24 hours the account comes back verified. I asked them to validate that the debt was mine and they sent me a copy of a XXXX bill with signatures that 's are n't even mines. They in no way have validated or verified that the debt they are trying to collect is mines. Also GC Services has very unethical practices like calling their " customers '' 2-3 times a day and have been in many lawsuit.
Consumer complaint received 2017-10-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cottonwood Financial Ltd. (WY)

This company keeps calling me trying to contact my sister. I have told them several times to stop calling me. They are incredibly rude and wo n't stop. This is not my concern or my business and it is harassment.
Consumer complaint received 2017-10-17
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

XXXX # XXXX and XXXX XXXX XXXX has multiple names and continue to duplicating accounts on my credit reports. This account has been paid. Both creditor and collections are reporting incomplete information misleading potential creditors offers. XXXX XXXX exceed XXXX year statue for reporting. 

Capital One Best Buy paid as well all adverse information listed on credit report is incomplete. 

XXXX XXXX XXXX XXXX Bank are all the same duplicated accounts.. I have record showing I paid this account.
Consumer complaint received 2017-10-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc. (CA)

State recovery system as a debt collector tryed to collect a debt. They 're reporting inaccurate information in my credit report. I was denied credit. They told me is my responsibility to have it removed from the credit, they have no responsibility to remove it, they have no violation of law.
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (WV)

I submitted a payment that was due on XX/XX/XXXX, and was received by XXXX XXXX on XX/XX/XXXX, a whole seven days prior to my due date. However, I still received a late fee. I have had issue after issue with late fees with *only* this card and company. This is the only card that takes five+ days to credit my account when using XXXX XXXX XXXX bill pay, so now I have started paying early to attempt to avoid the continued fees, obviously now, to no avail. 

In the last complaint the company blamed XXXX XXXX and indicated that I needed to have XXXX XXXX message/contact them to correct the issue. XXXX XXXX said they released the money to XXXX XXXX after their 2 business day delivery window and that the extended amount of time for XXXX XXXX to post the payment was on XXXX XXXX and there was nothing they could do other than print out the release of funds statement, which I had already supplied to XXXX XXXX in numerous previous complaints about this issue. I am unsure what to do, other than assume I am paying interest and a $ XXXX monthly fee ( late or not ) at this point.
Consumer complaint received 2017-09-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

OnXX/XX/XXXX, my student loan account with Navient was open for repayment ( date stamp was included in the loan details on my online account ), and I enrolled in AutoPay in the amount of {$210.00}. 

OnXX/XX/XXXX, I logged onto my account. The date stamp onXX/XX/XXXX stating that my account was open for repayment was gone and I had been placed on administrative forbearance. I did not request a forbearance. The remark " payment deferred '' was added to my credit report, and has been flagged as item that lowers my score. Again, I never requested forbearance.
Consumer complaint received 2017-09-13
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: Experian Information Solutions Inc. (WA)

I understand that a large breach of personal information from XXXX recently occurred. I 'm filing this complaint because I feel that as a business that profits on credit reporting and tracks/stores large amounts of personal and sensitive financial and other information about me, my family, and my loved ones should, if not by law then at minimum as a best business practice, be required to control this data securely. I have been exposed to fraud due to poor practices at XXXX ; i 'm taking steps ( i.e. 90 day fraud alert ) for myself ; however, several people that I care about are not equipped to submit online forms and paperwork and research solutions as I have done. 

I would request the following from XXXX ( and other credit monitoring companies ) : 1. provide professional counseling service from a qualified individual to guide those affected/potentially affected by the breach so they can minimize risk. 
2. provide indefinite fraud alerts for all individuals whose data is gathered/held ( not just the free 90 day fraud alert available currently ) 3. Provide insurance or an escrow fund for legal fees and reimbursement for people who suffer identity theft in connection with XXXX ' handling/mishandling of data 4. Institute a more secure way to access my credit-i.e. a form of 2 factor identification that makes it harder for other individuals to use my information. 
5. Ensure that the above options can be easily requested and accessed by the layperson and people who do not regularly use the internet. 

I would be in favor of broad overhaul of credit monitoring and tracking practices on a national/global scale.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANNER CORPORATION (CA)

I ordered a phone on XX/XX/1922 from XXXX XXXX I returned the phone a week later because there was no charger to charge it so I told them I did not want it I send it back and they have been charging my bank account for all kinds of different fees on XX/XX/XXXX I was charged {$39.00} XXXX on XX/XX/XXXX I was charged {$50.00} restocking fee on XX/XX/XXXX I was charged {$19.00} on XX/XX/XXXX I was charged {$79.00} when the charges started I contacted my bank Banner bank and ask them to block them because I returned to the phone and they have no right to keep charging me for something I no longer have the bank told me they could not do that I have been talking to XXXX XXXX  several times a week they keep telling me that they're going to stop charging me but they just keep charging me I have already filed a complaint about them with the FTC also. Please help me!
Consumer complaint received 2017-09-08
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. (CO)

Equifax did not properly secure my personal and financial information, resulting in a data breach that put that information into the hands of unauthorized users. The website they set up, using non-secure methods and on a non-affiliated domain name with anonymized who-is information and improper SSL encryption, reported this.
Consumer complaint received 2017-09-13
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. (WA)

I understand that a large breach of personal information from XXXX recently occurred. I 'm filing this complaint because I feel that as a business that profits on credit reporting and tracks/stores large amounts of personal and sensitive financial and other information about me, my family, and my loved ones should, if not by law then at minimum as a best business practice, be required to control this data securely. I have been exposed to fraud due to poor practices at XXXX ; i 'm taking steps ( i.e. 90 day fraud alert ) for myself ; however, several people that I care about are not equipped to submit online forms and paperwork and research solutions as I have done. 

I would request the following from XXXX ( and other credit monitoring companies ) : 1. provide professional counseling service from a qualified individual to guide those affected/potentially affected by the breach so they can minimize risk.
2. provide indefinite fraud alerts for all individuals whose data is gathered/held ( not just the free 90 day fraud alert available currently ) 3. Provide insurance or an escrow fund for legal fees and reimbursement for people who suffer identity theft in connection with XXXX ' handling/mishandling of data 4. Institute a more secure way to access my credit-i.e. a form of 2 factor identification that makes it harder for other individuals to use my information.
5. Ensure that the above options can be easily requested and accessed by the layperson and people who do not regularly use the internet.
I would be in favor of broad overhaul of credit monitoring and tracking practices on a national/global scale.
Consumer complaint received 2021-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This company is currently showing 30 days late for the month of XXXX XXXX, 60 days late for the month of XX/XX/, and 90 days late for the month of XX/XX/ as reported in 3 Credit Bureaus. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.