davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

I was issued a 1st and 2nd loan ( HELOC ) in XXXX from HSBC for the purchase of my primary home. In the XXXX housing market crash HSBC forced me into a 'workout program ' at day 176 of delinquency which put me in a 40 year variable 1st and variable 2nd ( HELOC ) for a total principal amount that exceeded my homes value by over $ 200K! 

Over the past 15 years, my interest rates have slowly and continuously climbed up to unreasonable levels. From XXXX to present, I tried multiple times to get HSBC to convert my 2nd to a  fixed rate, because the variable rate is so high I can't afford it. My credit score is OVER 800! I would qualify for everything! 

Today, I am stuck in a pickle in which my homes value is still {$170000.00} below what I owe to HSBC, and HSBC 's answer over the last 5 years has remained ... '' Too bad, we can't help you and nobody else will consider taking you either ''. With COVID I lost my XXXX  and my family. Long ago in XXXX, HSBC intentionally put me in a position of failure, when at that time they held a fiduciary obligation to help me ... and were compensated ( bailed out ) by the government to help me as well. None of that went to me - in fact over $ 200K in interest payments from me went to HSBC instead over the last 15 years. 

I am over a barrel and even today HSBC continues to behave egregiously, and in my opinion usurious in nature - like hogs when pigs are bad enough in the mortgage industry. 

Without the help of the CFPB, I will continue to get screwed by HSBC. Please do the right thing ... Read my suggested resolution and publish it to the world.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2020-08-03
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)

Following my credit report I have seen a few accounts which never seen before. 
I do not recognize these accounts and requiring to remove them from credit report, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. Please remove all of these accounts from credit report as soon as you can.
Consumer complaint received 2020-01-04
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: ALLY FINANCIAL INC. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

On this date XX/XX/2021 company opened a collection. 
Account XXXX XXXX $ that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 

XXXX XXXX
Consumer complaint received 2020-08-03
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. (NJ)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-08-03
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. (NJ)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2022-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal clsed my account without giving me any reason whatsoever as t why the closed my account i tried to appeal but learned that the permanet limitation is not reviewed by paypal staff My funds were also loced such that i am unable to get my locked funds back this is very unprofffesiona and i would like it to be reviewed and most importantly get back my blood, sweat and tears.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Equifax knowingly altered my name despite legal documents verifying my name and identity. They emailed the wrong last name and refused to update their records. Faxes and physical mail were sent with drivers license and SS card yet they are the only credit reporting agency refusing to acknowledge the fact that they have the wrong name. I also disputed an address that they refuse to update. Both the name and address are associated with an ex-husband. Divorced almost ten years. I am XXXX ( the one and only ) not a representative I am genuinely concerned as a DV survivor about their business practices. 

Most recent fax sent XX/XX/XXXX This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 
We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports
Consumer complaint received 2020-08-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Every time Portfolio Recovery Assoc LLC calls me they tell me a different balance amount XXXX XXXXXXXX dollars more than I owe. I have gone through this with them many times with several different callers all of which speak broken English and just try to harass me into making a payment. The last letter states my balance as : {$1800.00} and offers me a reduced balance amount if paid in full by XX/XX/20. 
I am XXXX years old, living only on my Social Security check each month since XXXX due to pandemic not working my part time retail job due to XXXX concerns about XXXX They are wrong about my balance. Debt has reached statute of limitations in Illinois also.
Consumer complaint received 2023-05-26
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. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  XXXX of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2023-05-26
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. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Equifax is practicing an unfair and rigged teeter-totter with a consumers score. If I one uses some of their available credit, they decrease their score by leaps and bounds but when I payments are made to decrease % utilization by paying off the debt and increasing again the credit available they only increase my peoples score by a fraction of what they take away based on the same amount. Just recently, they took 39 ( -39 ) points off my score when I paid off XXXX dollars of my total debt. This is the total opposite of what they should do and normally do. Every month or week they change and invent new scams to decrease the score and then bring it back up very slowly to keep people in the same range. This is the biggest scam to consumers that I have ever seen and should be stopped. It is a fraud being done to millions of consumers without any protection from the government. They run this scam wildly and cheat millions of people causing them to pay higher rates and to suffer many unjust consequences that come from low credit scores. I have been paying all my bills for years, but I have never been able to reach a normal level of credit higher than 600 because they purposely keep maneuvering the algorithm to keep people stuck in the same place. Have Equifax restore my score and have the cognizant government agency for this company and the other credit reporting agencies to analyze their practice as I truly believe they are flawed and skewed against the consumers.
Consumer complaint received 2022-03-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXXinaccurate information reporting on all three bureaus and claims information was verified. 

XXXX XXXX XXXXnaccurate information reporting across all bureaus and claims information was verified. 

XXXX XXXX XXXX XXXX inaccurate information reporting across all bureaus and claims information was verified. 

XXXXXXXX XXXX/medical collection account/ reporting erroneous information and violating hippa laws. 

XXXX/inaccurate information reporting across all bureaus and claims information was verified.
Consumer complaint received 2022-03-01
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: EQUIFAX, INC. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2023-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MO)

As part of Wells Fargo 's ( WF ) " resolution '' of my Complaint No. XXXX, WF agreed in its Response to my Complaint to pay me {$25.00} in XXXX, 2022. They have never paid me. The {$25.00} is obviously trivial, but this conduct is just more evidence that, no matter how many times WF is punished for fraudulent, reckless and shoddy business practices, they still have no hesitation to make blatant misrepresentations, even to Agencies that are required to regulate WF. I have no doubt that WF will claim its failure to pay me was a simple mistake. However, I ask your Agency to review Complaint XXXX. In my opinion, when viewed together with my prior Complaint, I think the more likely cause is that WF has instituted an XXXX  wide culture and procedure to delay payments of money owed by WF to its customers. I am requesting that WF be ordered to pay me the {$25.00}, and that this additional misrepresentation be forwarded to any Agency investigating the conduct of WF.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (FL)

My name is XXXX XXXX, I recently had a series of unauthorized foreign transactions, signature transactions from XXXX. I am in Florida, have been in Florida for going on 12 plus years now I have never left Florida. They some of {$1000.00} was taken out of my account without my permission. I was sitting in my bed at night watching my bank account as someone repeatedly charged my account {$13.00} over and over and over. I actually had to get up out of bed and run to the ATM and pull out as much of my money as I could before it was all gone. I've filed a complaint with my bank and they told me that I had to wait 10 days before they would issue the funds temporarily. Today is the XXXX day, the XXXX of XXXX. They told me that I would have my funds today and again now they're telling me that I could have to wait 45 to 90 days. I don't have a lot of money now I have late fees I can't pay my rent so not only am I missing {$1000.00} for my bank account I have to come up with XXXX different late fees and this is a nightmare. My bank is with NetSpend XXXX XXXX. Do not get any sort of account here. I have had several issues with this Bank and this most recent issue is way over the top. I've had an account here for going on 2 years now.
Consumer complaint received 2022-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

XXXX {$1000.00} XXXX {$1100.00} XXXX {$500.00} I was scammed. I believed these people on XXXX were really going to help me. They said they were a XXXX investing company and would help me invest a lot of money because XXXX was booming right now. I can not believe I fell for this. I spent my families savings. I need help. Please XXXX
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (FL)

I was victim of fraud via phishing. Without a proper investigation, the bank ( Citibank ) denies my claim stating that I have provided account information or authorization for the transactions. 

On Tuesday, XXXX XXXX, XXXX at XXXX I received a text message for XXXX : Citi : Your Citi ONLINE ACCOUNT has been temporarily locked due to a suspicious activity. Visit XXXX XXXX XXXX to verify yourself and regain access. 

After clicking on the link, it directed me to the Citibank sign in portal page, in where I entered my User ID and Password, and I closed the page afterwards. 

Later that day, I received an email from my cell phone server " XXXX '', saying that my XXXX has been changed from a number to another number, and had no phone service after that email. I called XXXX and they advised me to go to a store and get the SIM card replaced, I did so. 

On Thursday, XXXX XXXX, my XXXX has been changed form a number to another number, and I had no phone service. 
Later that afternoon I received an email from XXXX account team saying that my password was changed. 
I had no phone service, neither access to my emails. 

I checked my Online Banking Account and I spotted 3 unauthorized pending wire transfers transactions and a XXXX transaction. I called the bank several times and reported the XXXX fraud, they ask me to call back to report the Wire frauds the morning after due that the Wire Transfer Department was closed after XXXX. 

Recipient : XXXX XXXX : {$5000.00} Citi bank was able to stopped the wire on XX/XX/XXXX. 
Recipient : XXXX XXXX : {$7000.00} were wired out of my account. Bank has denied my fraud claim. 
Recipient : XXXX XXXX : {$900.00} were wired out of my account. Bank has denied my fraud claim. 
{$2500.00} trough zelle founds out of my account ( recipient : XXXX XXXX ). Bank has granted me the claim. 
Personal Loan trough CITI ( was denied, I sow the denied email today after recovering my email account ).
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CT)

My complaint is with Experian IdentityWorks credit monitoring and fraud detection services. 
On XX/XX/XXXX, I recieved a letter from XXXX XXXX alerting me to a data security incident they experieced that may have given access to my personal information with XXXX XXXX as well as linked bank accounts. XXXX XXXX arranged with Experian IndentyWorks credit monitoring and fraud detection services for me for 24 months. I was instructed to go to www.experianworks.com/credt and register with Experain to begin this service. 
I was unable to complete the registration as Experian sis not recognize my Social Security Number ( SSN ), I called Experialn customer service and explained my problem - a representative was assigned to assist me ; It was during this " process '' I put a stop to the " interview ''. 
After providing my SSN to the Experain Rep. he proceeded to ask for more personel information to be used to help Experian identify me. I had provided my SSN, date of Birth and home address - when I was asked for the city my nearest sibling lives, and then to identify whether I recognized a vehicle registration number from a list of them the Representative recited - I asked why must I provide Experian these key pieces of personal information to register for their service? It was then the Experian Representative stopped talking - I asked if he were still on the line - no answer - after some minutes of silence I hung up. I attempted to call back but found I was once again faced with the Experian IVR system requesting my SS number, date of birth and home address. Once again I provided this information and waited on the phone for an experian customer service representative to take my call - after a very long time waiting I hung up. 
From this experience I have to ask how safe is it for me to provide a company my personal information in such detail to a .com business?

Should Experain be " hacked '' the personal information Experian has obtained about me provides someone, who gains access to this information, all the personal information they would need to steel my identity and more. This is the reason for my complaint. It is unreasonable for a non government business to have in its possession this level of personal information - and it is unreasonable that people in need of protection services to have to surrender ALL of their personal information to obtain this service. 
I have left a message with XXXX XXXX requesting someone get back too me as I do not intend to " register '' with Experian under the conditions Experian demands in order to have their " services ''.