davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Consultants, Inc. (OH)

On XX/XX/2018 I received a notification on a couple of sites called XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX informing me that a company by the name of Diversified Consultants had place a collection in the amount of {$2100.00} on my credit report without notifying me in writing that I owe the money which they didn't and notify me of my rights to dispute this debt they say I owe which they didn't either and it wasn't within a certain amount of time. I don't know this collection agency and I would like this to be removed from all 3 credit reports which are XXXX, XXXX and XXXX.
Consumer complaint received 2023-02-23
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. (NY)

XXXX XXXX XXXX is reporting a charged-off lease account on my credit reports that I have been disputing for a while now. I have disputed this account directly with each credit bureau and XXXX directly and have not reached a resolution. I sent a letter to XXXX XXXX requesting all documents and validation of this debt and have not heard back or received any type of communication back. Here is the tracking to prove they received my dispute XXXX XXXX XXXX XXXX XXXX. How are the credit bureaus able to verify this account as accurate when XXXX hasn't verified this account with me? I am sure if I haven't received a response surely the credit bureaus have not heard anything back. This account was also deleted from my credit reports with XXXX but the other XXXX bureaus are reporting this account. If all bureaus receive their information from the same place how can they verify this account? It is illegal to verify inaccurate information on a consumers report. This account is in clear violation of my rights as a consumer and I am requesting that it be deleted from my credit reports now!
Consumer complaint received 2018-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

This complaint concerns HSBC.

A promotional offer by HSBC was made inXX/XX/2018, Open an HSBC Premier Checking account and deposit {$100000.00}, within a 30 day period of opening the account and leave the {$100000.00}, in that account for a period of 90 days and then HSBC would pay a {$750.00}, bonus within a 8 week period. 

I opened a Premier Checking Account on XX/XX/2018, with a small deposit of {$10.00}, on XX/XX/2018, I deposited an additional {$100000.00}, in this account and the amount of {$100000.00}, plus a small amount of interest remained in this account until XX/XX/2018, when I withdrew {$100000.00}, well beyond the required 90 day period to qualify to receive the {$750.00} bonus, as of today, that is well beyond the 8 week period of time that HSBC said that the {$750.00}, bonus would be paid to me, I have not received the {$750.00}, bonus and I have invested more than 8 hours of my time on the HSBC chat room, emailing to my HSBC personal banker, and telephone conversations trying to resolve this matter, all I have been offered by HSBC is excuses and emails that said I did qualify for the {$750.00} bonus but they have only offered the excuses of it's a computer systems problem, to they don't know why and that the {$750.00} bonus would be deposited in my account no later than XX/XX/2018, as I said I have not received the {$750.00} bonus as of today, I have all of the direct emails, and the emails from the HSBC chat room are in my posession, the recorded telephone conversations with HSBC are stored on the HSBC recorded telephone conversation system database, I am willing to give these to any person that is qualified and authorised to see or hear them, and I have all of the names of all of the HSBC employees that I have been in communication with in an attempt to resolve this matter, I was contacted 12 days ago by a senior HSBC employee, XXXX XXXX, by email and she offered to discuss the situation with me if I desired that, I have contacted her numerous times by telephone and email and left voicemails and emails to talk to her but she has never contacted me back at all, other than the 1 email she sent to me 12 days ago, I went through a lot of aggravation and effort to scrape together the {$100000.00} so that I would be able to obtain the {$750.00} bonus offer and the people I received this money from have lost faith in me.
Consumer complaint received 2023-02-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (CO)

Southwest Credit has been continuously blowing up my phone morning, noon and night. WHY? 
First of all these debt collection companies have to prove that the debt is mine which this company can not do. 
Southwest Credit has been repeatedly calling my phone on a daily basis with no specific data or reason. Just completely blowing up my phone and when I answer the tele, most of them do not speak. The ones that do claim that I owe them something! I've never done business with them! 
No one can give me any proof or accurate information about WHY THEY ARE CALLING! 

This is straight up harassment! They have called my cell at least 17 times in the last 7 weeks!!!!!!!!!! I am being inundated with calls for what reason?
Consumer complaint received 2018-10-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

On Saturday, XX/XX/XXXX, my husband and I received a call from Prestige Financial, the company that finances our used auto after completing our 5-year bankruptcy. We have made payments of {$500.00} for over a year, within those years I requested they do not contact me because they were making aggressive calls before the due date and they're excuse was " we are just reminding you ''. I requested that they do not contact us via text or email. We made payments on time every month until a hurricane struck our area in XXXX. We were attempting to get back on track and notice we have been making large payments over a year and we were being treating as if we were criminals. I am now finding out that the person I was speaking with on Saturday was an account manager, name  XXXX who felt is was necessary to speak rudely and becoming very disrespectful. We perceive this as intimidation tactics to scare consumers. This only makes us more angry and we refuse to put up with this!!! We spoke to several other lenders and were told the vehicle is not worth what we are paying and we are upside down on this loan. To learn this, paying an exorbitant interest rate and then put up with such professionalism while paying {$500.00} to these crooks is unacceptable. We are seeking legal recourse ....
Consumer complaint received 2020-10-12
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. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2021-07-20
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: Navient Solutions, LLC. (MS)

I was not working during XX/XX/XXXX until end of year. I didnt receive unemployment. I never received information about my student loan payment being due. My Navient student loan went into 90 days past due. Per the government, government owned student loans were suppose to automatically been Suspended from XX/XX/XXXX until XX/XX/XXXX. I was recently already in forbearance but navient put be past due when payments where supposed to been suspended. My XXXX XXXX student loans were suspended during this time period. Why was I charged and put into default ( late ) when the government postponed payments during this time! Even though my loan was in forbearance it didnt automatically go into administrative Forbearance that is mentioned on Navient website.
Consumer complaint received 2020-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (NC)

I had an account forwarded to Harris and Harris Debt Collectors. I set up a payment plan of {$330.00} per month until my debt was owed. I was able to pay off my debt in full on XXXX XXXX, 2020. They took out a payment on XXXX/XXXX/2020 of {$330.00}. I called and explained the situation and they told me they would give me a call back. no call back was received. I called again. They told me they had received another debt and that payment would be applied towards that one. I did NOT give them permission to do that, because I had paid off that debt with the originating hospital. As of XX/XX/2020 at XXXX eastern, i have called them 3-4 times about this issue of getting my money back and have been told every time that a supervisor would call me back. I have not received any call back.
Consumer complaint received 2020-05-12
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: Southern Management Systems Inc. (FL)

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc.,  that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! 

The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Consumer complaint received 2019-11-05
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: Experian Information Solutions Inc. (FL)

I was a victim of fraud someone had opened up an account in my name XXXX XXXX # XXXX. I never had a account with the following companies XXXX XXXX FKA XXXX # XXXX. Please delete this from my credit report.
Consumer complaint received 2020-07-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 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 XXXX XXXX XXXX XXXX XXXX, XXXX, Original Creditor, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, 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 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
Consumer complaint received 2018-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have reached out to Experian several times, but with no success in them correcting my full credit report. Due to the fact that I was a victim of identity theft, I decided to have all credit bureaus to show my legal first and last name, and my current residence address only. Experian was sent on XX/XX/2018 a notarized copy of my utility bill, drivers license, and my social security card which shows XXXX XXXX and my address XXXX XXXX XXXX XXXX. When receiving my updated credit report Experian did as they wished not as I requested of them- under my legal right. You will find a copy of my police report where I reported identity theft, you will also find 2 copies of certified letters. 

The first certified letter requested the above, the second certified letter included the removal Again of all unnecessary names, addresses, date of birth, phone numbers which majority are incorrect anyway. Now they show a spouse or co-applicant on my report which is my daughters current name XXXX and my deceased mother which neither is a co-applicant to anything I own. I did inform Experian on my first request to update their records that if it was not done in a timely manner I would move forward to report them not only to your establishment, but also to the Attorney General as well as the Better Business Bureau. I am not able to download my documentation but I am more than willing to have this information mailed to your establishment. 

Your help in this matter would certainly be appreciated. 

Thank you in advance, XXXX XXXX.
Consumer complaint received 2020-07-09
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. (GA)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-07-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 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 XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Original Creditor, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX 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 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
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NY)

I have a XXXX checking account and a Barclays credit card account. I've had the credit card account since XXXX and I've primarily used my XXXX account to make payments. I've historically made the payments from the Barclay 's card website. On two separate occasions I've made {$2000.00} payments using this method, one on XX/XX/XXXX and a second one on XX/XX/XXXX. On XX/XX/XXXX Barclay 's reversed these payments and added {$400.00} back to my balance. The statement said that the customer ( me reversed the payments ). That isn't true at all. I checked with XXXX and they confirmed, the payments were never reversed and they sent me proof of payment. I have called Barclay 's over a dozen times and have spent over 10m hours on the phone with them and I'm not getting anywhere. Three weeks ago they told me that I should send proof of payment via regular mail which I did. Nothing has changed, there isn't a single person I've spoken to who can confirm whether they've received it. I was told today that that's back office and they don't have phones. Barclays also charged me a fee for the returned payment and they will no longer allow me to make payments form my XXXX checking account. The way I see it is that {$4000.00} was taken out of my checking account to make a payment to Barclays yet Barclay 's is saying I reversed it and I'm out {$4000.00} from Barclay 's.
Consumer complaint received 2023-02-23
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. (OH)

Equifax is using my information without my consent and is violation the FCRA. 


The FCRA states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I never gave Equifax written instructions to furnish a consumer report on me the consumer.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (CO)

As part of an incentive to sign up for XXXX, I was mailed a {$300.00} pre-paid Visa card at the end of XX/XX/XXXX. I have since found that the card is serviced through " Prepaid Card Center '' and " Blackhawk Network '' on behalf of XXXX. Prior to the card being delivered to me, the card was stolen in the mail. I only found out that it was stolen once I received an evidence notification from XXXXXX/XX/XXXX Police Department, at which point I reached out to the card company to learn that the funds had been fraudulently spent. I was instructed to file a Cardholder Dispute Form with the Company, which I submitted on XX/XX/XXXX via email. This initial notice included the letter from the XXXXXX/XX/XXXX Police Department as further evidence that I was not involved with these charges. After not hearing a response, I revisited the card processor 's website and was notified that I now needed to submit a notarized affadavit. On XX/XX/XXXX I mailed a notarized affidavit, along with a copy of my original cardholder dispute form, the XXXXXX/XX/XXXXPolice letter, as well as the two United States Postal Inspection Service notices that I received. After again not hearing back or hearing a resolution on the matter, I have reached out several times to the Company. On subsequent phone calls, including the most recent one XX/XX/XXXX, I was notified that the forms and required information was received XX/XX/XXXX but that it was still " processing ''. It has now been over 90 days since this was started and the Company has failed to resolve these fraudulent charges and has failed to maintain even the slightest communication throughout this process.On the XX/XX/XXXX call, I was informed by " XXXX '' that his supervisor had allowed for an exception to be made to fund the account the disputed balance, with funding expected " within the next ten minutes ''. I then went to log back onto the website to find that my card had been blocked and that I was no longer able to log into my account.
Consumer complaint received 2023-04-01
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: GOLDMAN SACHS BANK USA (KS)

I received a promotion to add a co owner to my Apple Card thru my app if you add a co owner & they spend {$100.00} in the 1st month they receive {$100.00} in XXXX XXXX. Well my husband did not get his money & I have called 7 times all they do is tell me they understand apologize then 2 days later I get an email stating they did not make an error.. But every single time I call they just tell me more & more things that was supposed to be. I was supposed to do this or that, now I am starting to think they are not wanting to honor the promotion that they just had some credit card quota to meet. They told me once he was supposed to spend the {$100.00} get the XXXX XXXX then spend more. I told them no. Then they said it had to come thru a targeted e-mail & when I told them it came thru my app then they said I needed to go thru a link. I am like OMG!!!! I am so frustrated because my husband bought a almost {$400.00} item cause he thought he was getting that {$100.00}. I feel like this was a scam or something can someone please investigate this because I am sure I am not the only one.