davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

I applied for an XXXX XXXX XXXX credit card and was informed on XX/XX/XXXX that I was approved. The card came, I used it at the post office on XX/XX/XXXX. On XX/XX/XXXX the card was declined. Thinking it was the machinery at the store, not the card, I tried again on XX/XX/XXXX. Again it was declined. On XX/XX/XXXX I called customer service at XXXX and after 55 minutes on hold was told I had to speak with Fraud Prevention. When I finally connected with them I was told they couldn't tell me why the card was declined - and that I needed to send proof of I.D . I snail mailed and emailed copies of my driver 's license and passport. 
I was given an ID : XXXX On XX/XX/XXXX I send them an email asking why I hadn't heard from them. 
My credit rating is XXXX and I have been denied two other credit cards I have applied for. I am sure HSBC is the reason. 
I have put {$56.00} on that card. I don't have access to the card to pay it. They haven't responded to my email or my letter. 
This is the worst, by very far, credit card company I've ever had experience with. 
Please help me find out why I am being denied access to credit cards. Please make HSBC contact me.
Consumer complaint received 2020-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (MN)

I want you to take a look at the Correspondence of your so called attorney office when they cease and desist and return the debt back to you! They were trying to collect for you I need for you to tell me what rights did you have to collect on this erroneous account and place this item on all reporting agencies After your law firm understood orders and stopped all collections and return it to you? did they advised you of the noticed to cease and desist? Yes they Did this is exactly why Im coming after you for violations. Please send me a copy of what crawly law firm sent to you and upload it to the CFPB website
Consumer complaint received 2017-05-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZENCO COLLECTION, LLC (FL)

Received a call from a XXXX XXXX XXXX on XX/XX/XXXX. Zenco Firm, the first time, but it is actually Zenco Collects. Tel. number XXXX # XXXX Has website with numerous negative reports. Real collectors, supposingly will not verbally abuse someone or make threats against them. XXXX XXXX XXXX associate a XXXX XXXX phone number XXXX XXXX XXXX # XXXX case # XXXX, attorney for the State of Texas.??????
Right off XXXX XXXX threatened to compromise my social security card number in which she had along with my drivers license. She said I owed over {$17000.00} from this debt in XX/XX/XXXX. She was willing to accept {$560.00}.
Again she threatened putting a lien against my condo and car. I asked her how she got the information. She said they were debt collectors.
When she told me about my social security, I knew it was a scam. But I was upset about her knowing my ss # and license #. Since that date she and her associate continue to harrass me via phone calls but dropped the ss # They are very good ad threatening people, especially senior citizens. They have all these legal words and recording numbers .Also they would only accept payments thru XXXX card or check - no payment plan. I saved all their phone calls on my voice mail. I am anxious about their knowing my home address.
Check out their website. zencocollects.com I need this stopped ...
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Consumer complaint received 2021-08-08
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. (AR)

I am disputing about 5 credit accounts that I found out I had on Experian. I have contacted the credit card company over and over. They all keep telling me that I knew about it and it is legit. That is bull. It could have been a number of people that could have done this. We helped people out all the time that stayed with us. We even found out a couple that we thought were true ended up being who knows who that gave us alias names and disappeared. And as far as the bills or statements go they say I got, I never have seen a one of them until now and it is because my husband isn't here anymore nor are his friends. But I can't prove anything but my word and my true story. I am tired of repeating. I just need to get these disputes done. Please help me. I can not afford their mistakes, whoever they are. This dispute is with XXXX XXXX XXXX XXXX, XXXX. 
The client of them is XXXX XXXX, XXXX. Original creditor was XXXX. For the amount of XXXX. I have been disputing through Experian but nothing happens but them saying I am liable. Well, no I am not. Someone else did this. And they always used my phone too. How ignorant I was then. I am definitely treating people with suspicious nature now. Can't trust anyone. Please help me clear my credit score up for these peoples mistake. I can't even rent an apartment right now.
Consumer complaint received 2018-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC (CA)

On XX/XX/2017 I paid off {$49000.00} to XXXX XXXX XXXX XXXX and promised they would remove all negative information from all my credit reports, they did not do it! Previously this debt belong to JH Portfolio Debt Eq.
Consumer complaint received 2021-05-22
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. (NJ)

It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ).

1. Please Remove inquiry From My Report. 
XXXX XXXX Date of inquiry : XX/XX/2021 2.Please Remove inquiry From My Report. 
XXXX XXXX XXXX. 
Date of inquiry : XX/XX/2021 3. Please Remove inquiry From My Report. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 4. Please Remove inquiry From My Report. 
XXXX Date of inquiry : XX/XX/2021 5. Please Remove inquiry from my Report. 
XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2021-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I saw an address on my credit profile that does not belong to me. Ive never lived at, nor am I familiar with the following residence : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX. 

I sent in my ID, social security card, and utility bill to demonstrate my current address, but was told that my problem could not be resolved.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Recovery Services, Inc. (NM)

I looked at my credit report a few months ago and found that there was a debt collection agency on there. I do not carry bad debts, EVER. I immediately called the company to see why there was a delinquency being reported. 

Back in XX/XX/2013 I helped my daughter get into an apartment because she had no credit. I was basically a co-signer. 

The company told me that there was a small balance due to the apartment complex and that was what they were collecting on. The total was {$200.00} They looked into the case because we have not received any type of statement or correspondence telling us there was a balance due. They found that the apartment complex was sending the statements to the same apartment that my daughter moved out of! After further review they said that they will be removing the information that was reported to the credit bureau. The information was deleted off of my daughters credit report but it is still showing as an open account on my credit report. I did call again after 2 months of the balance being paid off and they again informed me by the beginning of XXXX it should be removed.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Called Kohls customer service and Spoke to XXXX # XXXX and her supervisor XXXX # XXXX today ( XX/XX/XXXX ) to ask for an interest rate reduction. They told me Kohls does not ever lower a cardholders apr. The interest rate reflects the current prime are. am paying 24.99 % and 23.99 % interest, have paid as high as 27.25 %. Ive held the card since XXXX. Ive been making overpayments on time and asked for a reduction bc 25 % interest in clothing is craziness!!!
Consumer complaint received 2018-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Cooling & Winter LLC (GA)

On XX/XX/XXXX, I began receiving notifications from various attorney 's seeking to represent me. The notices stated there was a possible garnishment against, for an account that had been paid and or charged off with the issuance of a XXXX. Prior to receiving the mail from the various attorneys, I had resolved the matter with this creditor over 6 years ago. I had not received any notices from an Attorney representing the credit card company no any notice from the company. So, these actions alone is a violation of the FDCPA. On XX/XX/XXXX, I reached out to XXXX County Magistrate Courts to get the details of the filing. They gave me a filing number XXXX. They provided me with the name of the Attorney who filed the case, XXXX XXXX of Cooling & Winter Law Firm. They stated a garnishment had been filed against me for a ruling dating back to XXXX. REALLY! In 6 years, I have never been contacted by either party and have been diligently working to repair my credit. Not to exclude, I had already resolved the matter with the credit card company and received a XXXX to be filed with the IRS. I am seeking to have this attorney disbarred. Seeking to have this garnishment reversed and any negative reporting REMOVED from my credit report immediately. I am seeking a letter from this firm acknowledging their wrongs and listing their actions to rectify the matter.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK (IN)

My problem happened after my mother passed away XX/XX/XXXX. She was helping me pay my bills. I tried to keep all my accounts paid or an agreement for a less amount to be paid. Discover Card advised me in XXXX that they would set up a hardship and I paid that amount they stated for 3 months and then that amount would be my monthly payment. However, as time passed and money was very tight, I called Discover and told them that my hardship was worse and they agreed to forgive my account. 
So, I figured that I should check my credit reports since I received a letter from XXXX XXXX XXXX  that my and my deceased mother 's personal banking information was possibly compromised. I attempted to sign up with the credit monitoring agency and I could not reach the link they advised customers to use. Therefore, I just hoped nothing would happen. 
So when I checked my credit reports and saw Discover Card still on my credit report as negative, I disputed that account with XXXX. After I submitted the dispute, XXXX dropped my credit score XXXX points and will not discuss anything with me while a dispute is ongoing. 
My main complaint with XXXX is the way that I was penalized for the dispute by dropping my credit by XXXX points and I am not allowed a reason why. If XXXX can not speak with me while a dispute is ongoing, they should not be able to penalize me either when nothing has changed with my credit. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. ()

Hi, I did not have any big medical expenses for my daughter after 2019. I have always paid in full all medical bills. but now I am getting bill from some debts collection company saying that I have some medical bill due for my daughter against which they had not provided much information. it seems to be some fraud company and if legitimate they are expected to provide me exact details which they are not ready to share.
Consumer complaint received 2020-06-28
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. (NY)

Experian or XXXX  didn't fix error, they ask me to send documents that I already sent. I will resend AGAIN FOR THE SECOND TIME, my social security card I lost it a few years ago please see passport and photo id
Consumer complaint received 2020-07-14
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2020-06-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (NC)

On XX/XX/2020, XX/XX/2020, and several times in XXXX and XX/XX/2020 PNC has not allowed me to Access my account through a third party so that transfers can be made between my two domestic checking and savings account. I should be able to access my PNC account by any means I choose electronically, including signing in through another banks web access point. I have attempted on several occasions to connect my PNC bank account by providing my correct log in information to credit karma bank account. I am unable to do so. PNC is not allowing access to my virtual account online. This is a violation of consumer Account access to a virtual account
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MD)

My complaint is against Experian and my experience in obtaining my free annual credit report through XXXX XXXX XXXX. The company has blocked me from obtaining my credit report online and tells me to call a number to obtain it. I did not initiate this block or placed a credit lock with experian. 

I have tried calling this number and have been placed on hold for over 30 minutes after which I gave up. There are inaccurate entries in my experian credit report and I am also unable to dispute these items online with experian. 

This is unacceptable and the company is depriving my right to credit report access.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2006 with an amount of {$12000.00}.
Consumer complaint received 2021-02-27
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

As of XXXX, Champion Mortgage still has not applied my current payment of {$140.00}, made on XXXX, to my loan account number XXXX. XXXX XXXX check number XXXX has no posted to my checking account. I have tried several times to get Champion to explain why this has happened only to get conflicting answers. This non-action by Champion has placed my account, XXXX in arrears, meaning, they could call the loan balance due at anytime. Please find out how many more payments before payoff. 
Background details [ I am still having problems with Champion Mortgage. Most recently, they are not applying payments I have made by checks of {$140.00} to my loan account XXXX # XXXX XXXX. When I sent this month 's payment on XXXX the check ( # XXXX ) still has not posted to my XXXX XXXX checking account as of today, the XXXX. When I called them last week, at first, they told me I missed three payments due to auto deduction agreement was stopped because the bank had blocked such deductions from my checking account. When I called XXXX XXXX, they told me there were no such blocks and all Champion needed to do was resubmit the deduction request. I called Champion again and they insisted my bank would not clear the check -- which apparently is not true. Either that or Champion 's system is faulty. Payments were sent to Champion Mortgage, XXXX XXXX XXXX, XXXX, TX, XXXX ]
Consumer complaint received 2017-05-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP (CA)

Regarding the complaints Case # XXXX. US bank did not being honest about my case and they lied to me and to you. Thinking that I will go away and you can closed this case because they responses.
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1. Took them 12 days to refunded my own money instead of federal regulation of 10 days. From X/XX/17- X/X/17 2. The day I notified US BANK my transactions was still in PENDING status. If they looked closely it is so obvious it was a fraud transactions.
<P/>
a.Transactions being XXXX miles from where I lived.
b. ATM fee balance inquiry at other network for {$2.00}.
c. non us bank ATM DENIED FEE for {$2.00} d. ATM card was in my procession.
c. I was a long time customer.
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3. Because of 3 of my bills being returned due to US bank refused to pay it knowingly that it was a fraud and now I am being charged late fees from my cable and water company.
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I am just a little guy who do not have money laying around for this type of injustice. US bank did have to go by the book if they have a heart. They have the power to pay while the item in PENDING status but they choose not to. They never returned my phone calls after several attempts.
To added the insult to my injury. This account was suppose to be a free checking account. After US bank took over they did not honor the old agreement and now I am being charged with {$7.00} monthly fees. I want my {$50.00} that was charged from my cable and water company. I want US bank to send an apology letter to them so they will refund the late fees that caused by incompetent from US bank.
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Sincerely, XXXX XXXX
Consumer complaint received 2020-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2018-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MB FINANCIAL, INC. (IL)

I paid my XXXX mortgage payment on XX/XX/2018 at a MB Financial branch. The statement generated on XX/XX/18 reflected the XXXX payment as not received. I called and talked to a customer service rep who stated there must have been a delay in processing. I have received several automated calls from MB Financial stating my XXXX mortgage payment was not received and my XXXX payment is late. I paid XXXX 's payment on XX/XX/18 at a MB Financial Branch. I have both of those receipts along with my cancelled checks reflecting both payments were made on time. This has been an on going issue with MB Financial and their payment processing delays.
Consumer complaint received 2020-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

Back in XX/XX/XXXX Someone opened a cable account using my information, I contacted XXXX XXXX once the person had moved from my home and they turned the cable off but didn't pay the bill, on top of that they didn't tell me it was in my name. Well i disputed this back in XX/XX/XXXX and everything had been deleted off of my report and everything had been taken care of. and they had even apologized for allowing someone to open an account in my name. Well recently a company named credence resource mana contacted me saying they have a new account XXXX from XX/XX/XXXXand I explained to them the situation how it had been removed years ago and how could it just automatically come back. They told me it was my problem they didn't care how old it was, and that I would have to pay.