davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

All my monthly payments of my HSBC credit card balance have not been showing anymore since my credit report dated XX/XX/XXXX ( complete HSBC payments - attached ). They have desappeared from the today report dated XX/XX/XXXX ( missing HSBC payments - attached ). This transmission and/or publication issue has happened various times along the year XXXX as reported in the XXXX and XXXX complaints XXXX. This used to be fixed but for only a temporary period and the issue has come again after one or to two months time. My HSBC XXXX payments and my good standing with zero past due since XXXX disappears which is very prejudicial and is resulting in repetitive adverse letters when asking for other credit card. XXXX says I should have more cards to raise my XXXX score but they just impedes that same process. Attached are the XXXX report showing the right data and on the opposite the XXXX report with a blank section for my HSBC XXXX. Attached are also the HSBC card statements of XXXX and XXXX which should be reflected in the XXXX report.
Consumer complaint received 2022-03-14
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)

I XXXX XXXX XXXX SUBMITTED DISPUTES AND DOCUMENTS REGARDING INFORMATION THAT SHOULD NOT BE REPORTING ON MY CREDIT REPORT AND BY LAW THESE ACCOUNTS SHOULD BE REMOVED IMMEDIATELY. I AM IN THE PROCESS OF PURCHASING A HOME AND GETTING A SBA LOAN BUT THE ACCOUNTS ARE HOLDING ME BACK. THIS IS DEFLAMATION OF CHARACTER AND FRAUD.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I tried to freeze my credit on Transunion. It made me make an account. Fine. I made an account. There was no mention anywhere that I would be charged money. Lo and behold, I was charged {$26.00} and I received an email saying this would be a MONTHLY RECURRING charge. 

This is a scam.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

On XX/XX/2022. XXXX, XXXX, and Experian failed to produce an investigative report on XXXX XXXX XXXX aka XXXXXXXX XXXX  XXXX aka XXXXXXXX XXXX XXXXXXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Consumer complaint received 2022-03-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jacob Law Group, PLLC (MS)

I received a statement from Jacob Law Group , PLLC stating there a debt collector and trying to collect on a debt that I owe. This law firm claims I had an account with XXXX XXXX Bank, XXXX. the original creditor. Now, stating I owe money to XXXX XXXX XXXX. I disputed all claims that Jacob Law Group , PLLC within my 30 days. I have also reported this account to the Federal Trade Commission and spoke with my local XXXX XXXX office in regard to Jacob Law Group , PLLC. I have included all correspondence for your review along with a copy of my identity theft report.
Consumer complaint received 2022-03-14
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. (WY)

I have a collection on my credit report identified as XXXX  funding. This account was transferred to a company called XXXX  and later to a company referred to as XXXX. In the process of buying my home we attempted to pay this debt and contacted all three companies and were told my file did not exsist. We did dispute the account with all XXXX credit bureaus with all XXXX saying the debt was valid. We disputed XXXX times asking for proof of debt for information on how the debt was validated and got no response from on bureau other than the debt was valid. To close on the mortgage our lender said the debt must be paid so under direction of XXXX  they said the debt would be deleted from my credit report once a check was sent to a company called XXXX. XXXX did provide us with a file number after multiple phone calls. After waiting for a significant amount of time we called XXXX  to see when this trade line would be removed from my account their response was we cant find that fine so we dont know what happened to the check and we dont know how to have it removed. Therefore we have paid a debt with an agreement to have it removed from our credit report asked yo have the debt validated along with XXXX others on our report and not a single one to this day has been validated by a single person we have requested this from. So we are requesting this trade line that has been paid be removed immediately and the XXXX others that they can not validate be removed as well.
Consumer complaint received 2022-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MI)

On or about XX/XX/2021, I made a purchase at the Home Depot store in XXXX XXXX, Michigan, during the purchase the Cashier inquired as to whether I would like to open a new HD card and save a percentage of the bill. I agreed even though I've had a HD card for years Last four numbers ( XXXX ). Subsequently, I paid the remaining balance of {$21.00}. HD states the payment was misapplied to the old account wherein, according to HD the new account ending in ( XXXX ) should have received the payment of {$21.00}. 
Per the documents attached you'll find that once HD realized the mistake, they moved the {$21.00} payment to the New Account and proceeded to charge me Late Fees that now amount to {$140.00}. I've spoken with at least 4 different at HD whose Financial Credit Services are managed by Citi Bank to no avail. I owe HD nothing, my payment was made early, however, HD " misapplied '' the payment and charge costumers late fees?
Consumer complaint received 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

XXXXXXXX XXXX declined my application for financing the purchase of a new phone solely because I have another account with them. Earlier this year I purchased a XXXX phone using their promotional incentives Even though that account is many months ahead of current. I wish to file a complaint in that it precludes me from taking advantage of the offers otherwise available to XXXX customers including the trade in of my XXXX and the add-ons for the XXXX. 

Moreover, XXXX XXXX has been unresponsive in resolving this issue.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

On XX/XX/2022. XXXX, XXXX, and Experian failed to produce an investigative report on XXXX XXXX XXXX aka XXXX XXXX  XXXX aka XXXX aka XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I deposited a check for {$80000.00} on Monday, XX/XX/XXXX with Wells Fargo. I have been a customer of theirs for almost 40 years and have never had a problem with deposits. I have around this amount or more in my various accounts on and off for the past 5 years. The bank placed a hold on the check. I called 2 days later on Wednesday and spoke to an agent. She told me that the hold was placed to verify funds were available, to which I informed her that the money is out of a HELOC and there would be no problem. The agent told me that if I called back on Monday, XX/XX/XXXX they would be able to lift the hold. When I called on Monday, they told me that the amount was such a large amount that they were not going to lift the hold until Wednesday, XX/XX/XXXX. 

9 days is not reasonable. I have workers I need to pay that will charge me late payments as a result of this. This is a violation of the Expedited Funds Availability Act of XXXX as it goes well past the maximum 6 business days mentioned in the law, nor do they have any reasonable reason for holding the money after verifying accounts are available. Wells Fargo also did not mention to me any hold policies they might have within the past year and possibly longer to my recollection.
Consumer complaint received 2023-07-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2023 I received a call, the caller ID came up as Wells Fargo. The person identified himself as XXXX XXXX, XXXX XXXX XXXX He asked if I had made two separate purchases in the state of Florida? I replied that I hadn't. He asked if I knew a XXXX XXXX or XXXX XXXX? I replied that I didn't know either of these people. He told me that they had transferred {$6700.00} from my checking account. He walked me through the steps to get the money transferred back to my account. Believing I was talking to a Wells Fargo agent I did what he told me to do. The next morning I went online to look at my account and that's when I realized that I had been scammed. I immediately went to my nearest Wells Fargo bank and reported what had happened. They said they would investigate the incident. Within ten days I received a letter from Wells Fargo stating that I was at fault and I wouldn't be reimbursed. Since I had never made a money transfer through their system I think the bank should have alerted me before they sent the transfer. Also, I was always under the impression that my money was insured. I still am suspicious and think it may have been a Wells Fargo employee that scammed me.
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit report XXXX XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. It also States consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit report XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. It also States consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit report XXXX XXXX  Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. It also States consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit report XXXX XXXX XXXX XXXX XXXX Account Number XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. It also States consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I received a phone call from XXXX XXXX XXXX Consolidation they were attorneys and had filed a lawsuit against me and threatening wage garnishment and that they were contacting my employer regarding a 10 year old debt they stated was from an XXXX XXXX XXXX that I have never received any communication or notices about. I told them to stop calling, emailing or threatening me and they still continued to contact me. I am reporting them and their tactics. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

On XX/XX/2022. XXXX, XXXX, and Experian failed to produce an investigative report on XXXX aka XXXX XXXX aka XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Consumer complaint received 2023-09-19
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: Experian Information Solutions Inc. (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One is withholding a refund that was issued in XX/XX/2021 ( attached ). The reason I was given is that the transaction in question states the item was delivered, based on a photo ( attached ) that shows the merchandise leaned against a brick wall. That could be anyone 's house. The items in question were not delivered.. XXXX XXXX has validated that at least 6 times and issued a credit for which Capital One is not releasing. Also the drivers log provided does not state the items were delivered, it states the anticipated delivery is .... see CFPB complaint XXXX. It also seemed to me that once the bank issued their response, that was it, as if the claim had not truly been investigated. Very disappointing.
Consumer complaint received 2022-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

XXXX XXXX had a due date of XX/XX/22. We were made aware on XX/XX/22 the payment had not been received and a phone call was made to PennyMac explaining the urgency of getting a payment made. The call turned into a 3way call with Insurance Agent on the line. PennyMac was given an overnight address to send the payment to and instructed a payment needed to be sent overnight to prevent Insurance Policy cancellation. 
Then on XX/XX/22 our Insurance Agent reached out saying payment still hadn't been received. We called PennyMac again asking where the payment was. They informed us it was snail mailed on XX/XX/22 and would take 10 days to get there. 
Then on XX/XX/22 our Insurance Agent reached out again saying payment still wasn't received. So, we called PennyMac again asking for confirmation on check info to Insurance. We were then informed the payment was actually mailed on XX/XX/22 via Ground shipment and would take 10 days. Because of all the conflicting information, we asked to speak to a manager. Every excuse was made to not transfer us to a manager at PennyMac. During this phone call we were told every action would be taken to get a payment out overnight. 
On XX/XX/22 our Insurance Agent reached out saying payment still wasn't received. We then proceeded with a 3-way call to get PennyMac on the phone. PennyMac failed to get someone on the phone who could help us and even hung up on us when we were trying to explain the situation.
Consumer complaint received 2022-03-14
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. (MS)

Ive notified EXPERIAN with several complaints and letters stating how they are improperly reporting information on my consumer file which is unlawful according to the FCRA! Ive also made several complaints via the CFPB portal and EXPERIAN continues to ignore my notices, and by doing so they are now committing willful negligence which is a violation of the FCRA. Ive recently sent an affidavit giving EXPERIAN notice of these violations and stated that Im also holding them civilly liable pursuant the laws under the FCRA. They continue to ignore the law and report improper information regardless of the efforts Ive made to rectify the situation. Pursuant 15 usc 1681c ( a ) ( 4 ) they do not have the right to report the accounts XXXX and XXXX.
Consumer complaint received 2022-05-05
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. (GA)

I have disputed inquiries on TransUnion and XXXX and they refuse to remove them. I have not authorized companies to run duplicate checks on my credit and have several from companies I do not know.
Consumer complaint received 2018-07-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (CA)

US Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX We have had a Partnership CD and checking account with US Bank since XX/XX/XXXX. As of XX/XX/XXXX the Real Estate Partnership has been broken up and the " Security Deposits '' for our tenants must be dealt with. 

The CD was rolled over on XX/XX/XXXX for a period of 11 months ( @ the rate of .005 % ) and has been rolled over for many years. With the partnership breaking up the CD must be terminated and the deposits rolled into the new owners account. On XX/XX/XXXX, I ( XXXX XXXX ) went to the bank to terminate this CD. This CD generates approx. {$34.00} per month in interest. The penalty the bank wishes to charge is {$270.00} plus a {$25.00} fee. 

The total amount earned for 7 months would be approx. XXXX. Is it legal to take away principle as part of an early withdrawal fee??? 

We all know that dealing with the Stocks Market your principle is at risk, but never thought nor was it ever disclosed that principle is at risk with a CD insured by the FDIC. 

Thank you, XXXX XXXX
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (NY)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It als states a consumer reporting agency can not furnish a account without my written instructions.

21.1K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a XXXX purpose.
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.