davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

In XXXX I took out a 30 year mortgage with HSBC at 5.875 %. Subsequently the market crashed and the condo price has decreased and thus I am upside down even at today 's ( XXXX ) market value. I had contacted HSBC in XXXX and did so now and the answer remains that same that since the loan is not backed by XXXX/FHA hence there is no recourse for me to use XXXX HAMP. While almost every of my neighbours have used XXXX to their advantage I am still stuck at the higher rate and PMI. Luckily I do not have problem in making the making the loan payment but I would like to take advantage of a lower rate as available for ordinary consumers.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This was opened fraudulently by someone else. I contacted XXXX XXXX the moment I saw them on my credit report and it was closed two months after opening in XX/XX/2019. It, unfortunately, despite being reported as being a fraudulent account with fraudulent charges, has been being reported on my credit report ever since. It keeps saying I'm late on payments and hurting my credit score. It's closed and the charges aren't mine. XXXX DO YOU MEAN?!
Consumer complaint received 2017-11-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (TX)

On XXXX/XXXX/XXXX, I received a mail letter from US Bank, notifying me that I had a late payment on my credit card account. I immediately made full payment which was owed on the same day. Then I applied for a home loan equity during XXXX XXXX, and was informed by my loan specialist that a late payment was posted on my credit report for XXXX. I immediately tried to dispute with US Bank, considering that the late payment happened in XXXX and I was not notified until XXXX, the same time with when they reported to the Credit Bureau. I also had auto payment set up on that account and it did not work. Even now, I had to manually make payment every month because the auto pay function is still not working. I tried to contact US Bank Card member service twice and they only sent me a general response and kept asking me to give them more information, which I already did. I already made request twice to them that the false report has to be removed from my credit report. They did not want to acknowledge the fact that the had failed to give me proper notice within 30 days when the incident happened. I was not allowed the proper time to act on it. 
This false late payment report has hindered me from closing on my equity loan, which resulting in thousands of interest I had to incur during this time.
Consumer complaint received 2017-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rauch-Milliken International, Inc. (TX)

told girl on phone that myself as well as business was discharged thru bankruptcy, however she got rude and said i still needed to pay anyways. 

She then faxed a letter ( i Have copy ) saying they are going to file suit against a company that no longer exists and is in bankruptcy protection. Sent it back stating this but i fell this wont be the last i hear from her
Consumer complaint received 2019-06-14
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. (NY)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2023-05-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (MI)

This is Cashap stealing {$230.00} from my account. On XX/XX/23 {$1000.00} was deposited at XXXX. At XXXX a transaction from XXXX was made for {$230.00}. They claim I did not have enough to cover the amount and cleared it. After clearly showing {$1000.00} available And allowing multiple transactions to occur since then. Today {$300.00} was deposited in my account and they took the {$230.00} out of my account again. I was given No notice or indications prior to them taking my money today. They never showed Any negative balance on my account and I have had multiple deposits and transactions on that account between XX/XX/23 and now. This has caused me an extreme loss per this was my only funds available that family was giving me to survive.
Consumer complaint received 2024-03-10
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)

XXXX XXXX XXXX has a collection on my report that the original creditors seems to be XXXX XXXX XXXX. This account I believe was recently deleted from my credit file and XXXX have been sold to XXXXXXXX XXXX XXXXXXXX. Anyhow Ive never had a XXXX card with XXXX XXXX XXXX  or XXXX XXXX XXXXXXXX. For Ive been a victim of identity theft.
Consumer complaint received 2022-09-27
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. (TX)

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. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX, has violated my rights XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) Account # XXXX, has violated my rights XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, has violated my rights ( Original Creditor : XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions 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 to cause to believe that the information is inaccurate.

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 advers item of information, other records of convictions of crimes which antedates the report by more than seven years
Consumer complaint received 2022-05-25
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (VA)

This company controls our credit, yet they let it get hacked while their to execs are illegally inside trading and selling off stocks before they make it public. Nothing was done about my personal information being stolen, except a 1 year offer to protect my identity. Why don't they do this anyway and forever? They lose and sell my info, control my credit, yet they want me to pay to keep it in check. That's a scam. Furthermore, I sent a dispute for 2 scam collections. Their result was for me to call the scam company. This is insane and should not be a business model.
Consumer complaint received 2017-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX update inaccurate information on my report. First they updated a payment made on my XXXX account which was false. I submitted a claim with cfpb based on this in accurate information. On XX/XX/XXXX, they alerted me that XXXX was removed from my credit report and began to offer me credit card applications. I called XXXX and XXXX  regarding this deletion and but company stated it was inaccurate and XXXX was indeed on my credit report. XXXX XXXX is NOT XXXX with my credit reporting.
Consumer complaint received 2019-06-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: First Associates Loan Servicing LLC (AZ)

Hello I see that XXXX  now has to forgive all the private student loans that were handed out to XXXX XXXX students I was part of this but since have refinanced mine with XXXX XXXX for a lower rate so how do I get my money back to take care of this as it cost me over 18k. 

In regards to case number XXXX I started the school in XXXX XXXX and finished in XXXX XXXX
Consumer complaint received 2019-11-24
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: Professional Credit Management, Inc (AR)

I sent a certified procedural verification letter and I requested documentation of proof of the accounts referenced in the letter to be validated and that the collection agencies, XXXX, any third party or court provide me documents of the alleged collections or public record accounts. And, that XXXX is unacceptable for verification. However, All I received was a letter stating we have verified with the company that the information is accurate or updated Yet again, wheres the documents verifying that to me? I have not received any information from anyone that verified these accounts. I have exhausted my pro-bono abilities and obviously can not resolve these matters without legal representation. I have disputed and requested actual verification several times and I am demanding immediate removal of these disputed items. Or, I will be acquiring an attorney to represent me in these violations of the FCRA.
Consumer complaint received 2018-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MN)

I am a XXXX XXXX. One of my clients has authorized US Bank to talk with me at least 3 times, but they keep saying that they aren't authorized. 

They also say that the authorization only lasts 24 hours and then it stops. Is that legal?
Consumer complaint received 2021-12-14
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. (OK)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2024-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion violated my rights under U.S.C. 1681 ( A ) 4 with inaccurate payment history that is really hurting my chance to obtain credit when I have told them multiple times something was not right on my credit profile their automated last response stated everything was complete and accurate can you please help me
Consumer complaint received 2024-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-25
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. (TX)

The Credit Bureaus stated XXXX XXXX XXXX Account # XXXX, was properly investigated but how can that be possible if the date last active is inaccurate, the date last reported is inaccurate, the date of last payment is inaccurate, the two year payment history is inaccurate, the payment status is inaccurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I Haven't given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2023-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (TN)

Cash app " powered by XXXXXXXX XXXX  '' has claimed they had some technical issues that caued an issue with my account. I was never notified of the issue. I made purchases in between the dates of XX/XX/XXXX and XXXX XXXX. I do not know how many of these purchases are affected by their " techincal issue ''. So far roughly {$150.00} has been taken out of my account for " updated charges ''. The funds were taken on the day I made purchases and holds were also placed on my account which took about 3 months to go back onto my card. 
Again, I have no idea how many transactions are affected and Cash app has not and will not provide any information to back their claims. I do see that Cash App canceled payments but I do not know when and the amounts are not the same amounts. 
I am classified as extremely low income, the {$150.00} they have taken has caused great issues for my family. I do not know what else to do because Cash App continues to claim they can do this and that their accounting is correct. Again, I do not know how many times or how many transactions were canceled and how much more money they will take from my account, I dont know when this will stop.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (IN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management (NC)

Amerifinancial Solutions at XXXX XXXX XXXX, XXXX, MD XXXX has been sending me collection notices in the total amount of {$670.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2023-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (NC)

On XXXX I used my card to get gas just before XXXX and was able to. Then later in the afternoon my direct deposit went in and suddenly when I checked my balance I was in overdraft XXXX. I messaged cashapp support and they told me they didnt see anything to dispute, no charges anything. My check was direct deposited again XX/XX/12 and still I am in overdraft. No one will help me. I know cashapp doesnt allow anyone to get to us XXXX they did not have.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

RE : The Equifax Security Breach. I have been trying for well over a week to contact somebody ... ANYBODY at Equifax to help me place a " freeze '' on my credit reports to avoid fraudulent use of my credit. IT IS IMPOSSIBLE TO GET THROUGH TO THEIR WEBSITE OR ANYONE IN CUSTOMER SERVICE ... PERIOD. I understand that I have to pay for a credit report freeze ( even though the problem is their fault ), BUT IT SIMPLY CAN NOT BE DONE ... no way to contact any Equifax Personnel or use their website ( it is always " Unable to process request ''. Therefore, this company 's negligence and incompetence is PREVENTING ME from protecting myself! Please help if you can with a formal complaint on record from me. Thank you!
Consumer complaint received 2017-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CO)

Caine and Weiner have sent me a debt collection letter me regarding a non-existing debt for $ XXXX XXXX XXXX I contacted XXXX XXXX twice, on XXXX and XXXX XXXX, XXXX and they confirmed i did n't owe them any money. Caine and Weiner refuse to close the account, and insist that XXXX XXXX referred the debt to them.
Consumer complaint received 2017-11-08
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. (TX)

I have recently become an adult and monitor my account like I should. I purchased a XXXX account which shows the reports for all the Credit Reporting Agencies. As of XXXX XXXX I also purchased the XXXX premium service and found that there were to credit cards opened in the name XXXX XXXX  one on XXXX/XXXX/XXXX and another in XXXX of XXXX. Both of these accounts were opened either fraudulently or by someone who has a similar name than me. There is alone in XXXX, TX where i resided when both were opened over XXXX XXXX XXXX 's. My name is XXXX XXXX XXXX. I have sent Section 609 of the FCRA to have the CREDIT REPORTING AGENCIES to verify that those accounts are mine as well as for them send me the proper documents as per the FCRA states. I have recieved nothing but a credit report with updated infornation stating that account has been verified. I have sent appropriate documents to the Credit Reporting Agencies to support my claim that my name is XXXX XXXX XXXX not basic XXXX XXXX. I have purposely included into my signature my middle name or my middle intial as the two documents show that I have currently uploaded to you. On the Drivers License its a XXXX between the XXXX and The XXXX also as if the XXXX is apart of the XXXX. And on the social security card it spelled out in the middle of the length of the name. I truly am sorry for the long letter of what is happening but after the recent XXXX leaked personal information, I have been fighting with the CRAs for Four Months about their basic FCRA requirements under the Section 609. And then their total lack of caring about a consumer and their lack of building their credit to secure a home loan for his family. Please someone help me. 

XXXX XXXX XXXX XXXX there is over XXXX XXXX XXXX in a 6 hour radius of where i currently live.