davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

As a loyal customer of HSBC XXXX XXXX, I opened my Premier checking account through the XXXX department in XX/XX/XXXX. So far, there were no more than 10 transactions. As I am not a XXXX XXXX, as a XXXX, I have always been very careful about using it, but nightmares still happened. My account was closed on XX/XX/XXXX. 

One week before closing the account, I completed a Bank to Bank transfer from my XXXX to HSBC. There is also a wire transfer payment to XXXX XXXX XXXX. 

The reason why I transferred from XXXX to HSBC before sending money out, because I am a Premier customer of HSBC and I was told that there is no charge for Wire, and the global transfer is also more advantageous. So the remaining transactions are related to HSBC accounts in other countries under my name. 

I clarify that all my sources of funds are savings and income under my name, and there is no behavior that does not comply with the rules of the deposit agreement. 

In XX/XX/XXXX, due to the recurrence of the epidemic, the continuous isolation of entry and exit during the travel period led to the termination of the XXXX case. I admit this is a misunderstanding because I can not go to the branch in person Someone told me that I forgot to sign an important agreement when I opened my account in XXXX last year. I didnt know it. The relationship manager of the branch didnt inform me. Later, due to our language communication difficulties, we requested to change the XXXX lady. My colleagues on the Premier hotline did not mention it, nor did the online banks message center. 

In XXXX and XX/XX/XXXX, the inconclusive review led me to repeat the application for a savings account twice. No one has been paying attention to the outcome of the case, and no one has told me why. Did I get rejected? I am helplessful about it. 

Because the notification is not in place, I can not predict the result of the application, let me repeat the inquiry. 

Finally, I asked the senior customer relations officer to respond to my complaint, because I am outside the United States, I can let HSBC relationship managers in other countries continue to follow up my case. 

As an important customer of HSBC XXXX, I can not decide to close my US account without any warning or notice. This is extremely unfair to loyal customers. 

Many of my friendly friends work for HSBC. I understand your review team, but it must be fair, otherwise I will continue to be fair through the power of the media. I have contacted many times to no avail. I need to upgrade my case to the Director of XXXX XXXX XXXX. You can record my conversation. I love HSBC. This is the bank of my life. I also actively promote HSBC 's business on XXXX social media. Get wider recognition, if you want to know the details, I look forward to presenting
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

my account with XXXX XXXX XXXX Acct # XXXX is reporting as late on all 3 bureaus. 
In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX has violated my rights 15 USC 1681 sec 602 states : I have the right to privacy.

15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states : A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NH)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (AZ)

All credit reported data is misleading and incorrect on my credit report please review and contact me. XXXX. Please contact all reported liens for signed contracts by company and said individual. XXXXndividual Is constantly being harassed by debt collectors sent by certain lien holders. Sharing personal information is illegal and fraudulent.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SYNCHRONY FINANCIAL (TX)

Synchrony bank has attempted to close my PayPal Credit account without any advance notice per ADA requirements, stating that there were insufficient funds which is not correct at all. 

There have always been additional funds to withdraw from three type of money accounts and one is PayPal 's own savings account so there should have never been any insufficient funds charges or closing of my account because they allow for a draw against their own PayPal savings account. 

And lastly IF I had the inability to make payments for this account I had been subscribed to the PayPal protection plan since XXXX. 

I don't have to request that because I have an ADA this bank is supposed to automatically notify me of this per ADA law.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$56000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

I had a bank account at Suntrust, now Truist Bank, which was closed and the funds frozen, where at the time the account was frozen it had a balance of at least {$79000.00}. Said account was closed by unilateral decision of the Bank on XX/XX/2021 and I was notified by communication of that date indicating that the Fraud Department in a standard review determined that it was necessary to close the account, they do not indicate the cause, reason or circumstance for your decision to close the account. 

At the time of closing the account, the balance was {$79000.00}, an amount that after more than 23 months has not been delivered or returned. I have had several discussions with your Fraud and Customer Service Departments, in an attempt to access the funds, all of which were unsuccessful. 

With the little information that they have provided me, I can not find a legal basis that allows the Bank to freeze the funds improperly and indefinitely without even giving a formal explanation. 

I have consulted with an Attorney who has told me that withholding and not accessing funds may constitute civil theft, misappropriation, unjust enrichment and unfair trade practices, and violations of other state and federal laws.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 2023-07-28
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. (VA)

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.XXXX
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MN)

XXXX I was charged hundreds of dollars in overdraft fees, and I was a XXXX year old that didnt know to close the account. They kept tacking in overdraft fees until my account was {$500.00} negative and closed my account. It was shady, and I never used them and have told everyone I know not to bank with them. I switched to a credit union and theyre great.
Consumer complaint received 2023-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (OR)

On saturday XX/XX/XXXX, i received XXXX from a family memwber to help me buy foodstuffs for my baby, and in few hours, venmo suspended my account dor no reason, they aasked me to submit id and ill be able to use my balance and i did, XXXX later they respond saying that they have terminated my account and wont be able to withdraw for XXXX, i dont have a job right now ajdnky little ones fate depended on that amount, this is sad
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (TX)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Cascade CISS Holdings, LLC (VA)

I had two accounts with the same account holder and they were sold in XXXX of 2022 to XXXX in which I set up payments with them in XXXX of 2022 as ACH direct drafts in I have never been late. The account has not report correctly to the repositories from the initial term of the agreement. The balance has never been updated nor are the payments being reported. I spoke with XXXX concerning the issue and was informed that they do report my payments to XXXX XXXX every 30 days and XXXX XXXX is to update my credit report. This has not occurred. They last update XXXX XXXX submitted to the credit agencies was 10 months ago. 
I have one payment remaining on each account that is not due until next month.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WA)

I tried to unfreeze my credit report with Experian using their website on XX/XX/2021. It appeared that my credit report was temporarily unfrozen until the creditor who was helping to refinance my mortgage tried to access my credit report and score. I went to Experian again and was not able to unfreeze my credit report and was told to write a letter to Experian with my drivers license and copy of a bank statement or utility bill to prove my address. The mortgage lender provided a telephone number for me to use to contact Experian since my refinancing application can not move forward without this report. The telephone number for Experian did not provide access to a real person and once again the only way I can get my credit unfrozen is to write a letter and mail it to Experian. My mortgage refinance application is now canceled since I can't get this report. There should be a way for me to recover my credit report online without the need to write a letter, wait for the post office to deliver, and then again wait for Experian to respond by mail. I should be able to talk to a person to resolve the issue, and not get captured by a telephone automation system that can't address the issue. I have tried to resolve this issue XX/XX/XXXX through today XX/XX/2021. I wrote the letter as instructed by Experian. Their lack of willingness to talk to the consumer could cost me thousands more in interest payments because of their communication firewall. This is unacceptable behavior. The idea was to protect me from credit fraud. I shouldnt be prevented from managing my financial life by a credit reporting agency. Shame on you Experian.
Consumer complaint received 2023-03-13
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: SANTANDER HOLDINGS USA, INC. (OK)

I have NO contracts or business dealings with XXXX. XXXX and credit agencies along with Chrysler Capital who sold my information to XXXX without my knowledge, traded information to discredit my credit report.
Consumer complaint received 2023-02-19
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. (MI)

XXXX XXXX XXXX XXXX XXXX reported a XXXX bill to my credit report as a collection account. 
I have asked numerous times for proof of the debt and they refuse to give me proof. 
They only produced a letter with the original creditors name and an account number that does not exist. 
I have disputed with the credit bureaus and in less than twenty four hours they just come back with that they " certified '' the debt was accurate. Yet I HAVE NO PROOF! 
I HAVE NEVER HAD A XXXX  ACCOUNT!! 
They refuse to remove from my credit report. This is not my debt!!
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.