davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

This is to complain against the HSBC.

I wish to practice my right as a customer of HSBC to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with HSBC.

In order to clear up the myriad of letters and correspondences I have hitherto sent to HSBC respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case, and analysing the relevant facts in an objective and comprehensive fashion.

It is crucial to note that I have been manipulated, socially-engineered and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognise that I am the victim of an investment scam.

My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of HSBC to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers.

During the complaints process with HSBC, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients.

General Obligation : Commencing on or about XXXX XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX - XXXX which involved me making deposits for a total amount of XXXX, XXXX USD from my HSBC account to fraudulent investment firm ( XXXX ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether HSBC did not take notice of any rule, law, or
Consumer complaint received 2022-10-01
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. (NC)

On XX/XX/XXXX, I received a call from Det. XXXX XXXX of the XXXX Police Department regarding me being a victim of identity theft and XXXXPD apprehending the suspect who had counterfeit identification cards in their hands, one of which had my name and information on it. XXXX XXXX, the suspect, has been circulating since XXXX, taking people 's personal information by sending mail to other locations to get loans, vehicle loans, medical treatment, and housing. XXXX XXXX, the suspect, is presently being jailed on a {$100000.00} bail for mail fraud and other counts, and I have also charged him with identity theft.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-16
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. (SC)

In accordance with fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts name : milestone gold XXXX # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-10-01
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. (FL)

Last active dates are different ( XX/XX/XXXX XX/XX/XXXX ), charge off/collection between XXXX XXXX XX/XX/XXXX but the month of XXXX no data provided. Past due amounts on closed accounts
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (TX)

I noticed a collection on my credit report for XXXX and called Credit Collections Services to see who they were collected for and they stated XXXX but when I called XXXX they informed me that they don't have any of my personal information in there system. The collection agent gave me 2 numbers I called both and both departments said they don't see my social security or name in there system that I owe anything.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX SELF-REPORTED XXXX Balance : {$60.00} UTILITY SELF-REPORTED XXXX Balance : {$140.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-10-01
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. (NC)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2006 ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ;
Consumer complaint received 2022-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (FL)

The Bureaus are attempting to collect a debt that was already acknowledged as fraud, was removed from my credit report as fraud. The Bureaus have purchased a debt that is identity theft. The original creditor has acknowledged this as identity theft. 


The bureau sent me statements how does this proved that i made these charges and opened this account when it was already proven as identity theft. Then once I send them a letter stating it is identity theft, the bureaus then add this false collection to my XXXX report that it was not reporting on. Sooo in essence, I tell you it's fraud and you continue to perpetuate this fraud by then adding it on more than the bureau it was reporting on? this is illegal. How do you scam people like this, and it is ok? do you think people do not know their right????
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/2022 Someone in XXXX, Florida opened an XXXX XXXX store credit card account in my name using my Social security number and cell phone number. I received a bill in the mail from the credit card company. I contacted Comenity Bank who is the creditor for this store credit card and the XXXX XXXX store where the card was applied for to report fraud on this account.
Consumer complaint received 2022-09-30
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 (TX)

In accordance with the fair credit reporting act this creditor ( Capital One ) has violated my rights under 15 USC 1681. In section 602 it states that I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-01
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. (MI)

This company frauded millions of students out of money for student loans and are nowhere to be found. I have written letters, attempted to call and nothing. This company is out of business and as of recently I was made aware that XXXX is under investigation but the XXXX XXXX the fraudulent behavior. XXXX, XXXX nor Experian has verified any of the information that I continue to give to them and this has turned into a literal nightmare! Even the contact info on my credit report is not valid, the number is disconnected with no forwarding number. Even the letters that I sent are simply returned!
Consumer complaint received 2019-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

I have contacted Specialized Loan Servicing Mortgage Company since early XXXX 2019 and I have told them that I want to pay down my existing mortgage to 80 % of the purchase price so that I may be able to get rid of the Private Mortgage Insurance ( PMI ). I have been told each time I called that I would receive a letter within a week with details about the process and/or the balance reduction amount in order to qualify for the reduction of the PMI. 

It is obvious to me that the SLS mortgage company has no intention of cooperating and giving me the required information. i am therefore seeking assistance and intervention.
Consumer complaint received 2019-11-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NC)

I have tried to work with Navient as my private loan lender for repayment of my college loans for years. I have been paying on them since graduation in XXXX. I have just struggled trying to live ( pay my rent for housing, food, car ) I have not had leftover money from all of my " needs to live '' payments and my additional school loans through federal. This past time I tried to get my loans lowered in XXXX of XXXX was my last straw. I had been paying only interest of XXXX a month which was doable, but it is not helping me in the long run because interest is still accruing on my 30,000+ private loan. I don't foresee a great increase in salary because of the salaried job I hold with a company that struggled to pay me an additional 1,000 per year. I'm currently grossing $ XXXX. I receieve an average of {$1000.00} per pay period every two weeks. I pay into two loans for school that add up to around {$270.00} per month. These companies are XXXX XXXX and XXXX, both federal loans and have tried working with me. Navient wants me to pay {$300.00} per month. That is how they proposed to help. When I last spoke with two ladies at Navient, one being a supervisor, they were unhelpful and suggested I get a second job to help pay their Navient loan! I am furious at this " help '' and have NOT wanted to work with them since. 
Now they have reported me 5 months late to credit reporting. I do not know what to do. They have tried to call but I'm so mad at their tactic to " help '' by suggesting I get a second job I do not want to do business with them, let alone give them anymore of my money. I have always had more than XXXXne job trying to pay my loans but recently I had to stop working a second job because of my health. 
How can you all help me?
Consumer complaint received 2022-09-30
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. (FL)

I have written to the credit bureau a few times asking them to do a theral review of my credit report they did. but i did a research and found improper even after they did the theral review of the account numbers afni XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn accordance with fair credit reporting act XXXXt the account numbers listed above have violated my rights.15.u.sc1681 section 602a section2 : it also states a consumer reporting agency can not furnish a acct without my written instructions.
Consumer complaint received 2022-10-01
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. (AZ)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXX XXXX XXXX : {$200.00}
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2022-10-01
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. (NC)

XXXX XXXXXXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-02
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. (NC)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX  XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance XXXX {$43000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX  XXXX Balance : {$50000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XX/XX/2023 XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$43000.00} XXXX XXXX XXXX XXXX Balance XXXX {$10000.00} XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX XXXX {$43000.00} XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00}
Consumer complaint received 2022-10-16
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. (MD)

Upon there being no reasonable or factual grounds to support the underlying claim from TransUnion LLC within 5 business days and still till this day. Nor did TransUnion LLC follow other procedures Pursuant to 15 U.S. Code 1681c2 ( C ) ( 2 ). 

TransUnion LLC claims of ; my request being made in error, is a misrepresentation of material fact relevant to the request to block and/or I have obtained possession of goods, services or money as a result of the transaction issue. Sent on XX/XX/2022, are deemed frivolous in nature. 

I am requesting a description of the reinvestigation procedure or a deletion of the identified items from my credit report. 

To be clear, I am reporting to TransUnion LLC identity theft related to the identified items in my credit report and FTC Report that TransUnion LLC received on XX/XX/XXXXXXXX XXXX XXXX I am not claiming a dispute as I comprehend that as a different claim and process and until TransUnion LLC provides a lawful reason why my case was put into disputes without my prior consent then this case stands to be classified as Identity Theft only, pursuant to 18 U.S. Code 1028, 15 U.S. Code 1681c2 and 15 U.S. Code 1681n. 

Also please see attached Sent Certified mail : XXXX on XX/XX/2022 a copy of my Identity Theft Report that includes ; o ( 3 ) identified information as the result of identity theft o ( 4 ) Personal Statement Sent Certified mail : XXXX on XX/XX/2022, Credit Report with Identified information highlighted in yellow as the result of identity theft.
Consumer complaint received 2022-10-01
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. (CA)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$28000.00} XXXX XXXX Balance : {$35000.00}
Consumer complaint received 2022-10-01
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX : {$1100.00}
Consumer complaint received 2022-10-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

Good Evening this is a continued problem that XXXXXXXX XXXX and I have. The problem is application of over payments and reporting incorrect balances on credit report and continuously reporting late payments on my account. XXXX my credit and outright refusing to fix it. They come up with every excuse in the book as to why they did what they did and act like their investigating my disputes and I never ever hear back from them. I want the late payment from XXXX and XX/XX/2022 removed and I also want balance updated. My evidence is attached