davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

HSBC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX Why is HSBC refusing to release a lien on a property to which THEY HAVE ALREADY TAXED THE HOMEOWNER ON THE LOSS?? 

On XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX we mailed a Lien Release Request to HSBC. See attached copy of Lien Release Request Cover Sheet. Also see attached Confirmation of Receipt from the US Postal Service showing delivery on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX we were told that this file was being handled by the New York Lien Release Team and given their direct email address to email the docs that we had mailed previously. See attached copy of our email dated XXXX/XXXX/XXXX, the emailed attachments ( current Title Report, Recorded Assignment to HSBC Bank, a fax from HSBC Bank dated XXXX/XXXX/XXXX, and Authorization to speak with our company ), and the response from the Lien Release department indicating receipt of our email. 

We have been calling multiple times per week since then. The reps can not tell us anything except it has not been sent to the county to be recorded. We have requested a response from the lien release team multiple times since this started. No one has ever once returned our phone calls. 

Why is HSBC refusing to release a lien on a property to which THEY HAVE ALREADY TAXED THE HOMEOWNER ON THE LOSS - See attached Cancellation of Debt for the Tax Year XXXX.
Consumer complaint received 2021-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I have Contacted this company LVNV funding LLC several times regarding a debt I have been asking for paperwork on this account any sign documents of any kind every time I call its always the same thing we will look in to it. I sent letters asking for paperwork to verify it no response the amount is {$620.00} account # XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting 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)

XXXX XXXX reported our dismissed bankruptcy without prejudice to the three credit bureaus, even though they did not obtain this information directly from the courts ( listed as the " Creditor '' ) There is no " creditor '' in this case as no activity occurred whatsoever regarding this case. Credit bureaus are advising that this will be on our report until XXXX  even though no product or service was ever rendered to or by us by anyone or any business at all regarding this case. How can a 3rd party reporting service report a case of owed credit that does not exist? Would that not be considered fraudulent information? 
We have contacted the court, who has let us know that they neither report XXXX verify this information, so the credit bureaus saying they verified the information as accurate can not possibly be true.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: College Foundation, Inc. (CA)

I 've complained about how payments are applied to my student loan serviced by CFI, Inc to no avail. They continue to overcharge on interest. They say they use simple interest calculations, but they are n't. I 'm overpaying in interest every month. Over 50 % of the monthly payment gets applied to interest on a loan with a interest rate of 3.625 %. I 've paid over $ XXXX on a $ XXXX loan, and still have a principal balance of $ XXXX. the $ XXXX paid has been applied as follows : $ XXXX to Interest, {$12.00} to principle. Why does $ XXXX ( original principal ) - $ XXXX ( principal paid ) not equal $ XXXX? Why is my principal balance still $ XXXX. They have mishandled my account for quite sometime. My wife could calculate her CFI payments and interest and determine what her balance would be before she received her statement because it really is math. For some reason, my loan is undeterminable. They do what they want to do with the payments I send in. It should be easy math, but it 's not. They keep pushing my loan due date out despite my request not to, just because I make extra payments. We ca n't get anyone to fix the problem. They should be investigated. There is no telling how many other student borrowers they are overcharging. Educated at XXXX XXXX ( now XXXX university )
Consumer complaint received 2022-04-21
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. (NV)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC report, Identity Theft Affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

On XXXX XXXX I was in the middle of checking my credit report when different inquiries started to pop up that i do not recognize from organizations that Ive never contracted with or encountered with.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

XXXX Experian XX/XX/year> XXXX Experian XX/XX/year> XXXX XXXX XXXX XXXX Those two accounts are very inaccurate and need to be deleted from my report. I never authorized anybody to open a account nor give any of my information to a third party like Experian i never sign a contract with no credit agencies so the information being reported should never be on my report by law its a violation of my consumer rights I have all the rights to keep my information private. Only if I allow it to be done publicly with written proof which I ask them for that was never provided within the period time of the investigation.
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Case Number XXXX I requested Capital One to reopen and investigate the dispute on my behalf. First dispute that was opened as " fraudulent charge '' ( since I didn't not authorize the hotel to charge my card and I didnt know where the charge come from ) was closed and second dispute got closed because first one got closed. I called and sent multiple letters to reopen and alll got ignored. I would like to reopen and continue dispute case with XXXX XXXX. I stayed at XXXXXXXX XXXX XX/XX/2022 XX/XX/2022 and paid for my reservation {$490.00} upon checking out after my room got inspected I was given a final receipt. On XX/XX/2022 hotel billed my credit card for additional XXXX XXXX for what I found out later were charges related to the pet damage to the door. Hotel never disclosed to me any pet policies nor did I sign any agreement when I checked in. Hotel never called or emailed me to discuss damage. When I checked out there were no damages to the room and room got inspected as well, before I received my final bill. I contacted hotel multiple times and havent received a valid explanation, or evidence, or signed agreement or any valid receipt related to that charge.
Consumer complaint received 2021-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

This Complaint submission is in regards to PAYPAL Services which has failed to allow me access to my funds. My account was previously compromised and there was fraudulent activity that took place. I called to speak to a representative regarding the charges on numerous occasions. An investigation took place and throughout that time, my account was at a XXXX Balance. As of yesterday XX/XX/XXXX, I received an email stating the case was closed after an investigation and that my account would be credited the total of {$700.00} with 2 Disputes Fees of {$15.00} each. When checking my account it stated there was negative balance of {$30.00} resulting from the Dispute Fees. There was no other funds available. 
I decided to contact PayPal directly which I have been on the phone with them for 2 hours to figure out where the credit went. The first representative did not seem too informative and stated the credit was sent to my financial institution. I explained nothing was sent to my financial institution and that I never received the credit. I then requested to speak to a supervisor who can further elaborate on the matter. I then spoke with XXXX XXXX - ID XXXX who stated he is an Account Supervisor. XXXX XXXX was rude continued to interrupt me and refused to answer any questions I would ask. He stated the credit was applied to my account and that there was a negative balance which was never the case. I have checked my account frequently and there was only an investigation and no negative balance. He stated my account was negative {$700.00} and which is why I don't see the credit. I asked him to provide me with documentation indicating so because I never received notice nor did my account reflect what he was stating. I even went through the account history with him and yet still no indication of a negative account. He then stated to refer to the email that was sent last night on ( XX/XX/XXXX ) and that it should indicate my account was negative. I have attached the emails from PayPal in the documents associated with this complaint submission. He then left me on hold for 25 minutes and then another representative came on the phone by the name of XXXX XXXX - ID XXXX. She as well did not provide me with any additional information. When I requested for documentation indicating my account was previously negative, she refused to comply and stated " Go figure it out on your own. '' I have never dealt with such poor customer service in my life. I would like to have access to my funds as soon as possible. I will exercise my right and file a civil suit if my requests are not reached as soon as possible. 




CASE ID : XXXX XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

per 15 usc 1681 a ( 2 ) ( I ) report containing information soley as to transactions or experiences between the consumer and the person making the report.

section.4021. credit protection during covid-198 ( F ) banking, fininail where expected to accommodtion to defer payments and provide assistance this company can not report this information with out my consent and signture its agaist the law please see attachments of USC laws
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : Account Number : Account name XXXX XXXX Account NumberXXXX Account name XXXX XXXX XXXX Account NumberXXXX Account name XXXX XXXX XXXX Account Number:XXXX
Consumer complaint received 2015-09-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS Loan # XXXXBorrower : XXXX XXXX XXXXProperty Address : XXXX CA XXXXShort Sale Package was submitted XXXX/XXXX/2015. The foreclosure date is set for XXXX/XXXX/2015. SPS is refusing to evaluate the borrower for a short sale or even postpone the foreclosure sale date. Why did it take 15 days for SPS to make the NEW determination that they were not going to work on the file? 

We request that all of the servicing notes on this file be pulled by the CFPB and examined not only for federal compliance, but also for California Homeowner 's Bill of Rights compliance.
Consumer complaint received 2022-11-07
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)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BMO Bank, N.A. (FL)

My payments SHOULD BE allocated towards interest bearing purchases first. I have a 12 month promotional balance transfer promotion that was offered at account opening. A balance transfer of {$1200.00} was completed on XX/XX/22. The business miscalculated the interest on my account dated XX/XX/22 for {$12.00}, the most I should have been charged should have been {$1.00} minimum finance charge that the business assesses regardless of the balance or amount paid on the account. Additionally, on XX/XX/22 a payment for {$100.00} was made on the account, on XX/XX/22 a payment of {$900.00} was made on the account. The ENTIRE closing balance on the XX/XX/22 statement was {$1200.00} which consisted primarily of the promotional balance transfer mentioned above.
Consumer complaint received 2022-04-21
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. (NY)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I contacted capital one to close a secured card I carried with them. They kept having issues when Id try to make payments in the app and I was told they charge a fee over the phone to take payments and ultimately this account made my credit score drop so often due to late payments the rewards they promised and the customer service were not what was promised. Since I had no benefit I chose to close the account in XX/XX/2022. I paid a deposit when I started this card and I was not notified it was returned back to the card balance after the account closed notice was sent to me. I chose to close the account but the credit card has reported to credit bureaus that it was closed for being 60 days late. I did not receive any paper bills which is what I had opted for even when the account was active. In the app it had shown closed but now it appears as open and theyve been adding on late fees. The notice of account being closed back in XXXX did not state that there would be interest and late fees charged after account closed but now they show two billing statements in the app which never were received by mail and both bills show interest charged. The bill that posted as late 2 days after the account closure notice showed a {$16.00} charge and didnt show the credit of my deposit. The first bill in XXXX shows only a {$25.00} late fee but the bill for XXXX shows a {$40.00} late fee and interest when no new purchases were made. The bill due XX/XX/XXXX shows no credit available I assume because I had closed the account but on the bill theres no mention or acknowledgment of the account being closed. Same for XXXX. I can not get an agent on the phone and hve had no luck with in app chat support. This issue affected my credit score and I was alerted today of a significant point drop due to the reporting they did. I never saw it show as closed on my reports but I gave it time because I was told it can take 60-90days to update but recently was made aware thats not the case.
Consumer complaint received 2022-04-21
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. (RI)

For the past 6 months all three credit reporting agencies have been ignoring my request of validation on the following accounts. 

XXXX. US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. US DEPT ED Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. US DEPT ED Account # : XXXX XXXX. US DEPT ED Account Number : XXXX My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. The following accounts are reporting inaccurate information. The date opened on these accounts do not match and some accounts are duplicated. My request has been denied time after time, I just found out about the CFPB website after doing research about being ignored by these reporting agencies.
Consumer complaint received 2022-11-07
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. (DE)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-09
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. (NY)

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. 


Account Name : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 2022-04-21
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. (GA)

On XX/XX/2021, I sent letters via certified mail out to Experian, XXXX, & XXXX regarding an account that is being reported incorrectly on my credit report. I asked them to correct the information. They never have. I have sent them proof that the company is reporting inconsistencies across the reports. They do not match. The agencies have not followed up with me or provided any documentation on why the data has not been corrected. I subsequently mailed letters in XX/XX/2021 asking them to provide me with how they 'verified " the information and to delete the account altogether since it was not correct. I still have not heard back. The agencies failed to do their due diligence. If they had the data would not differ from credit bureau to credit bureau.
Consumer complaint received 2019-08-05
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. (OH)

My complaint is the the three credit agencies. I closed two credit cards because I didn't need them. They were at XXXX balance and they were never late on payments. Now because I closed the accounts they drop my score for no reason. What can I do. I don't need the credit cards and the country is in enough debit, I sure I'm not the only one that this has happened to. Now because I closed those accounts two of my other cards thought I was in trouble and lowered my balance and I've never been late with them either. What can I do?