davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

HSBC BANK XXXX froze my bank account in early XXXX, and I lost access to my online banking. 

They did this for suspected fraud and asked me to come into branch with valid ID and to provide evidence regarding a XXXX credit coming into my account. 

I did all of this, submitting statements and official letters that validated the payment. 

The review was completed swiftly and on XXXX XXXX I received a letter stating that with requested evidence, the bank completed our enquiry and all restrictions on your account have been removed. 

In fact, no restrictions have been removed and the bank has continued to unlawfully hold my money without unblocking the account. It has now been over 6 weeks since I received this letter and well over 2 months since the account got restricted. I have not had any contact from the bank and they have just illegally been holding my account, I know they are not allowed to do so by XXXX law for over 6 weeks. 

I am a XXXX  and all my money is in this bank account as well as my XXXX  overdraft. Also my XXXX XXXX  from my university ( XXXX XXXX ) came into this account and I am unable to spend the rest of it which means I have no food. I am starving and cant pay my bills and cant focus on finishing XXXX XXXX XXXX because of this. I have developed XXXX XXXX and XXXX XXXXXXXX and XXXX XXXX. I have been seeing many XXXX and doctors because of the ongoing situation.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX XXXX CAPITAL ONE CREDIT CARD has declined me XXXX other times same reason as listed below. 
Hi, thank you for your interest in the Walmart credit card. 
We reviewed your information and, unfortunately, we can't pre-approve you for a Walmart credit card at this time. 
Here are some of the reasons why we couldn't match you with this card offer : Based on your Pre-Approval form information, we observed activity on a prior Capital One account that is not consistent with our expectations for account usage or the terms of the account agreement Creditor : Capital One, N.A. 
XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX CAPITAL ONE Reported : XXXX XXXX, XXXX {$0.00} Closed Overview You're currently using 0 % of your account 's limit. 

Balance {$0.00} Credit limit $ 500 Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Last payment XXXX. XXXX, XXXX Current Payment Status No Info Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Derogatory Type Credit Card Responsibility Individual Remarks XXXX XXXX XXXX Times XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX
Consumer complaint received 2019-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

In XX/XX/XXXX, I changed loan servicers from XXXX to XXXX/XXXX, XXXX/XXXX funded {$160000.00} to XXXX on XX/XX/XXXX. In XX/XX/XXXX, XX/XX/XXXX-Received electronic letter from XXXX regarding PAID IN FULL ( Subsidized and unsubsidized loans ), XX/XX/XXXX-Received electronic letter from XXXX regarding PAID IN FULL ( Stafford loan ). My XXXX balance was {$0.00} and closed my account. In XX/XX/XXXX, XX/XX/XXXX-Received email of XXXX  total balance due of {$1500.00} ( XXXX account reopened ). XX/XX/XXXX-Contacted XXXX  representative XXXX XXXX, a previous payment for XX/XX/XXXX of {$1500.00} ( made to a previous servicer prior to XXXX, XXXX ) payment was coded as a " preconversion adjustment '' and not as a " payment '' -that 's why not it is not reflected on the payment history. And will receive a letter of that written correspondence in 7-10 business days. XX/XX/XXXX-Paid loan payoff amount {$1500.00} to officially close my account with XXXX. In XX/XX/XXXX, XX/XX/XXXX-Received electronic letter / written correspondence Our records indicate we received a payment on XX/XX/XXXX from XXXX in the amount of {$1500.00}. This was applied with an effective date of XX/XX/XXXX. XX/XX/XXXX-Received electronic letter my XXXX  regarding PAID IN FULL and closed my account with XXXX once again. 7 months later. In XX/XX/XXXX, XX/XX/XXXX-Received email of XXXX total balance {$1500.00} due XX/XX/XXXX ( XXXX  account reopened ).  Contacted XXXX representative, was told that " XXXX overpaid {$1500.00} and the amount refunded back to XXXX on XX/XX/XXXX. I told them I was the one who made the final payment in XX/XX/XXXX, out of my own pocket. Checked my bank account, a total of {$1500.00} was refunded back to me for no reason and without my request. Transferred to XXXX XXXX, XXXX supervisor XXXX, she submitted case review to their Financial Management Team to find out why the amount was refunded into my account, will take 24-48 hours, latest response on be on Friday, XX/XX/XXXX. I did not hear back from anyone. XXXX  account is reopened and theres an outstanding balance accruing interest daily with a due date in upcoming XXXX. This is unresolved and no instructions given to what to do next.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

All of my federal student loans were canceled by the Department of Education last year. The status of those loans appeared on my credit report as closed with a XXXX balance since that time. This week, I received a credit monitoring alert stating changes had occured to my Trans Union credit report. XXXX XXXX XXXX, a company I have never heard of or done business with and which I've received no correspondence from is now listed on my credit report as the creditor for the loans which were discharged last year. 

I contacted the Dept. of Education to inquire if the cancelled loans were transferred to XXXX XXXX XXXX. I was told they were not and that XXXX XXXX XXXX is not a federal student loan servicer. Furthermore, the agent stated there have been numerous complaints and inquiries just like mine where private loan companies are attempting to take over federal student loans that have been canceled. There is a list of federal student loan servicers published by DOE and XXXX XXXX XXXX is not on the list. 

I filed a dispute with Trans Union as soon as I became aware of the incorrect creditor information on my credit report but the response I received was that the information is correct according to the " XXXX XXXX ''. I attempted to appeal the dispute result but Trans Union representatives have been unhelpful and there is no option I can find online on their website for appealing. 

I contacted XXXX XXXX XXXX today, XX/XX/2024. According to the agent I spoke with, the company only provides loans to facilitate purchases at retail stores and personal loans. It does not offer or service student loans of any type. The agent could not find my name in the company 's system or any information related to any loans in my name with their company. I requested to speak to someone who could help resolve the problem but was told the only way to resolve it is to go to their website and give them all my personal information including social security number and that only then would someone call me to resolve the problem. 

I am requesting help because I have not gotten it from the DOE, Trans Union or XXXX XXXX XXXX. Predatory loan companies are taking advantage in a fraudulent manner of student loan borrowers whose loans were canceled and the DOE as well as credit reporting agencies aren't doing anything about it.
Consumer complaint received 2023-05-25
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. (SC)

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 : # Account Name : XXXX XXXXXXXX ACCT # XXXX Account Name : XXXX - XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX XXXX ACCT # XXXX AccountName : XXXX XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX XXXX  ACCT # XXXX Account Name : XXXX XXXXXXXX XXXX  ACCT # XXXX Account Name : XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX  ACCT # XXXX Account Name : XXXX XXXX  ACCT # 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 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 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I did not authorize none of these inquiries. I am not sure where they came from. I have contacted all the companies and they have no tied accounts in my name and nothing reporting on my credit from them. I want these removed please. 
Inquiry made by : XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) Inquiry made by : XXXX XXXX ( XX/XX/XXXX ) Inquiry made by : XXXX XXXX XX/XX/XXXX ) Inquiry made by : XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) Inquiry made by : XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) Inquiry made by : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) Inquiry made by : XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) Inquiry made by : XXXX XXXX XXXX ( XX/XX/XXXX ) Inquiry made by : XXXX XXXX XXXX  : ( XX/XX/XXXX ) Inquiry made by : XXXX XXXX ( XX/XX/XXXX ) Inquiry made by : XXXX XXXXXXXX XXXX XXXX  : XX/XX/XXXX Inquiry made by : XXXX XXXX XXXX XXXX XXXXXXXX Car Sales ( XX/XX/XXXX )
Consumer complaint received 2023-08-08
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: AMERICAN EXPRESS COMPANY (FL)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC 1681 Section 602 states I have the right to privacy. In section 15USC 1681 Section 604A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

AMERICAN EXPRESS Account Number XXXX In 2021, it is reporting 30, 60, 30 days past due.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

The years I had wells fargo they would always authorize any transactions while my card was locked. their excuse was that It was allowed at the banks discretion. But when I had money but was short even a couple of cents for s transaction with an unlocked card they would not authorize the charge.
Consumer complaint received 2023-06-13
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. (GA)

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 XXXX XXXX Account number : XXXX Account name : XXXX  Account number : 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 2021-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mutual Management Services LLC (FL)

Mutual Management collection agency in cahoots with XXXX XXXX  XXXX are actively breaking the law by illegally reporting collections on credit reports. 

I cancelled my daughters registration to the daycare and advised the teachers weeks prior to. All childcare was paid and the cancellation was met with so I should not need to pay for a cancellation. That took one of my checks that were on hold in their file and tried to deposit. 

The account was later posted on my credit report for a different amount and I never received any legal Correspondence that such would be reported to the credit bureaus. 

I have continuously disputed this with the credit bureaus and they verify the debt and NEVER provide proof to me. This is illegal, unethical, and is a scam company being run out of a home bedroom. In the last 4-5 years that this has been reported I have been financially affected and I would like to proceed with a lawsuit. I ask the FTC to assist with advising of all the laws broken here. There was No notification sent to me prior to reporting, the amount is not correct, and they do not have my ID/SSN to even prove that I am responsible for any debt. This is fraud
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is breaking the law. Transunion must provide documentary evidence that proves that XXXX XXXX XXXX received permission to release information to you. 

Under Consumer Protection Credit Act & Fair Credit Reporting Act I reserve the right to protect the privacy of my personal information from all third party reporting agencies.

Transunion is in violation of 15 United States Code 1681b. Permissible purpose of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and not other, ( 2 ) in accordance with the instructions of the consumer written instructions You and XXXX XXXX XXXX, have no permissible purpose by law to report my non-public personal information to my consumer report. Transunion never received written instructions from me to report such information. This company has caused severe stress and anxiety due to the abusive and unfair practices. 

XXXX XXXX XXXX Agent of Transunion received my letter on XX/XX/XXXX and is WILLFULLY and KNOWINGLY reporting this information on my consumer report without my consent. This is my last and final attempt to give Transunion a chance to correct this matter before i proceed with litigation.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX has continued to report fraudulent information on my credit reports. I have disputed this information several times and corrections were made. However XXXX XXXX XXXX  continues to report fraudulent information over and over. The account has been closed and written off for many months. However XXXX XXXX XXXX continues to increase the balance and even know there is no payments due XXXX XXXX XXXX reports missed and late payments every month and increases the balance. I have a letter from an attorney who represents ford that tells me do not send payments to XXXX XXXX XXXX. So if the account is closed and charged off, written off and it shows no payment is due. How can XXXX XXXX XXXX continuously report that my payment is late and how does the balance increase on a closed account.
Consumer complaint received 2023-06-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXXXXXX Bankruptcy Account # XXXX, has violated my rights. 
I have already disputed these items but the bureaus did not remove them nor prove validation.

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 2023-03-15
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. (OK)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-15
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-01-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

In or about XX/XX/2018, our mortgage with XXXX  XXXX XXXX was sold to ShellPoint Mortgage Servicing. Due to our pay schedules, we have been paying our mortgage ( even with XXXX ) after the XX/XX/XXXX of each month but never in arrears. We are not behind on payments. However, Shellpoint has taken to harassing telephone calls ( multiple times in one day and at all hours without leaving any messages ) in violation of Mass Consumer Protection Laws and the revised mortgage laws ; has been hand delivering letters ( not in-hand service or mail ; just leaving letters jammed into our door which is not considered good service in MA ) threatening to commence foreclosure actions ( even though we are not even 1 month behind ). Additionally, in XX/XX/2018 I received notice from our homeowners insurance company that ShellPoint had failed to make our yearly homeowners insurance payment on time ( ironic considering the circumstances ). We pay by phone and the company offers no options to pay additional amounts, as we used to do with XXXX, therefore our late fees are accumulating on top of our principal. Lastly, no Assignment of Mortgage is on record for our XXXX loan.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-06-24
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX XXXX Balance : {$6000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.