davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I have been a customer with HSBC Bank for over 5 years now. I have my personal and 3 business accounts with them. 

A month ago, I opened up a new business account, because I am in the process of purchasing a property. The purpose of the account I opened is because I am planning to purchase the property under the LLC. 

When I opened the account up, I let the manager " XXXX '' know what the purpose of the account was, and that I'll be receiving and sending out wires as needed to complete my purchase and all transactions needed for it. 

Today, XX/XX/2021, was supposed to be the day we close on the house. I went into the branch at XXXX XXXX and asked to wire money to my lender 's attorney for closing. The manager on duty " XXXX '' told me that HSBC has this policy that they do not wire money from business accounts from inside the branch, but they can from my personal. 

So we decided to move the money into my personal account, so we can process the wire. For wire transfers, they need 2 managers to be able to approve it, and XXXX was the only one in today, so he had to call another branch to get the 2nd approval. 

He called XXXX XXXX, the branch manager at the HSBC XXXX XXXX branch. She got on the phone and from the beginning had a nasty attitude, and after a couple of minutes speaking with XXXX, she demanded to speak to me. After answering her questions about the transactions in my account, she denied to release my wire. When I called her out on her bad attitude, she got mad, hung up the phone on me and proceeded to freeze my funds. All of this is completely uncalled for. I have never spoken to or been associated with this lady and she illegally put a freeze in my account. 

They have not only frozen my account, but it looks like they have gone ahead and closed both my personal and the LLC account I opened up for the purchase of my house. This resulted in putting me in a terrible situation with the seller of the house I am attempting to purchase. Now I am at risk of losing the house and my contract deposit because of this nonsense they put me through that resulted in my closing being canceled today. 

This is absolutely unacceptable treatment. XXXX XXXX needs to be held accountable for escalating a situation that was supposed to be very simple and straight forward. She should not be allowed to handle people and their finances. 

I am uploading my contract for the house and Operating Agreement for my LLC to prove that this entire situation has created a huge unnecessary set of problems for me.
Consumer complaint received 2023-06-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: JPMORGAN CHASE & CO. (TX)

. Hello, at the end of XXXX I received an email from a loan agency and it was a check for XXXX, I proceeded to call them and investigate, I could even go to the company if I liked, but I decided to make the deposit in XXXX, on XX/XX/XXXX they made the collection and according to XX/XX/XXXX it would be released, but it was not like that my account was blocked, and I spoke with more than XXXX agents, in the end my account was blocked and closed for fraud, another agent said that they had already contacted the bank and As it was not an authorized check, another agent said that in their database they did not have the number to verify the check, they closed my account and I told them to return the money even though I had already called XXXX and they could not do anything because they already the check had been cashed, which XXXX told me would be investigated for XXXX years, now I am paying this loan so as not to damage my score in credit institutions
Consumer complaint received 2021-08-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern : I submitted a previous complaint to CFPB ( # XXXX ) which the mortgage company in question ( XXXX Loan Servicing ) responded to by providing a letter ( dated XX/XX/XXXX ) to myself, and also to CFPB under aforementioned complaint, stating that all 30-Day late reporting during Covid-19 Forbearance ( from XX/XX/XXXX through XXXX XXXX months ) would be corrected/amended to show as current. That is, the 30-Day lates between this time would be removed from my credit reports. The letter also stated they would notify all Credit Bureau 's to inform them of the correction. On the following dates I initiated disputes with the Credit Bureau 's to update their records to remove the late reporting : XXXX ( XX/XX/XXXX, Dispute No. XXXX ) ; XXXX ( XX/XX/XXXX, Report No. XXXX ) ; and TransUnion ( I could not login to their dispute website and the dispute hotline kept booting me off ). I also spoke to XXXX Customer Service Rep, XXXX XXXX, on or around XX/XX/XXXX, and she advised I initiate disputes with each Credit Bureau if credit report was not updated after 45-60 days of date of letter of XX/XX/XXXX. We are now on XX/XX/XXXX, 77 days after, and all credit reports have not updated my account information to remove the 30-day late 's being mentioned here. Due to this, I still can not apply to refinance my home in hopes of lower my payment, and take advantage of low rates. Please assist as I feel I can not get things resolved with Credit Bureau 's, or if my loan servicer has not reached out to Credit Bureau 's to correct this. 

Your assistance will be much appreciated. 

Sincerly XXXX XXXX
Consumer complaint received 2018-07-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

In XX/XX/XXXX XXXX XXXX XXXX provided me with documents that do not reflect the debt amount they are trying to collect The XX/XX/XXXX statement clearly shows a different amount than they have placed on my credit report and are trying to collect for. The last XXXX XXXX statement was XX/XX/XXXX because the account was charged off in XX/XX/XXXX.
Consumer complaint received 2023-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio recoveries has been calling me non stop for the past year XXXX for debt that is not mine. I verified several times that the address and social security number associated with the debt is not mine. They will not stop harassing me.
Consumer complaint received 2019-08-06
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: BARCLAYS BANK DELAWARE (MS)

I submitted a dispute letter directly to the Barclays Bank regarding a hard inquiry submitted in XX/XX/XXXX that is reflecting on my XXXX and XXXX  credit reports that is unknown to me. I received a response letter from this creditor dated XX/XX/XXXX stating that the credit inquiry was the result of an application received via web for the XXXX card issued by Barclays Bank Delaware. I do not nor have I ever applied for a line of credit online with this Bank or any other institution nor have I ever had an account or credit card issued to me from this creditor. Nevertheless, it is still reflecting on my credit reports with XXXX and XXXX inaccurately. The final outcomes of the letter states " As a result, the inquiry is accurately reporting to the consumer reporting agencies '' which is false. I contacted the number listed on the letter regarding fraudulent activity on XX/XX/XXXX and spoke with a representative who was unable to locate a file on me. I would like for this matter to be looked into further and this inaccurate inquiry removed immediately. Thanking you in advance,
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, & XXXX are continuing to report incorrect information. There are several late payments being reported on my consumer file that have not been properly verified as accurate. TransUnion has late payments listed in XXXX XXXX XXXX of XXXX XXXX is not reporting any late payments and XXXX has late payments listed as XXXX and XX/XX/XXXX this account can not be correct. It cant report 3 different ways. Remove these late payments immediately to reflect paid as agreed. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I attempted to obtain a copy of my consumer REPORT AND CONSUMER FILE from transunion and XXXX via annual credit report but I was given error messages every time I attempted to get the files. This is my third month attempting to get these reports without success.
Consumer complaint received 2018-07-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I have a loan with PENTAGON FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and PENTAGON FCU with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2018.
Consumer complaint received 2017-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

I am the co- signer on my Daugters Loans, My daughter is struggling to make regular payments, so she 's doing forebearance, But its XX/XX/XXXX, and i recieved 10 15 phones calls a day fr0m different area codes telling me I am past due this start last week her account is {$11.00} past due. Is their any way to remove me as co signer or get the phones to stop.
Consumer complaint received 2022-10-11
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-10-11
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. (CA)

I have provided each credit bureau ( XXXX, XXXX and Transunion ) with a deletion letter for XXXX # XXXX, this account is reporting late payments that are inaccurate for the following dates XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. I have provided them with the deletion letter twice and each time the investigation come back with the lates still reporting.
Consumer complaint received 2022-03-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kahn, Dees, Donovan & Kahn, LLP (FL)

I received a garnishment notice last week XX/XX/XXXX for a medical bill for my son from XXXX. They said the bill was incurred in XXXX or XXXX. They filed a notice of garnishment with a company in Illinois that is not associated with my employer. I am not sure of the validity of this debt. I immediately upon notification contacted the attorneys office who filed the garnishment and no information could be given to me. Is there a time limit for medical bills in the state of Indiana? I have now lived in XXXX  for over 13 years and when I did live in XXXX my son had Medicaid coverage. I am not even sure if it was for my son or for myself because no information was given when I called. When they sent the notice of garnishment it was sent to numerous places. I contacted an attorney XXXX XXXX and they got some information and I have proof I was never served and I had no notice of this bill. They are threatening my livelihood over a supposed medical bill that has to be over 12-13 years old. Can you please assist me. The following is from my attorney who is unable to assist as they are not licensed in XXXX garnished. 



The address on XXXX XXXX was your last address in IXXXX  in XXXX ( your mothers house ). 

No one there on whom to substitute serve you you had moved to XXXX. ( House sold? ) After final judgment was entered, of course you were not aware that garnishment proceedings started. 



Plaintiff tried to garnish company in XXXX with same company name ( sort of ) as you work for. 

They signed green cards but that wasnt your employer and is not affiliated with your employer. 



Still no good service not at XXXX XXXX address on documents. 

( Even if they managed to serve you in XXXX, they never served you Then finally the Plaintiff got service on the garnishment Order after the XXXX company you work for Was sold to the XXXX entity. 



But still you were never served the underlying complaint. 



XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

i am not delinquent. 

i paid on time the moment i got my credit card statement on XX/XX/XXXX. 

i did not get statements before!! 


XXXX XXXX  XXXX XXXX XXXX  ) Account # XXXX SSN XXXX XXXX : XX/XX/XXXX Complaint : Hello, I only got my Statement by mail on XX/XX/XXXX, and immediately made payment. I have not received any statements in XXXX or XX/XX/XXXX. 
As such, please issue refund of " interest charge '' and remove any late notation from the credit reporting files at Experian. 
See comments from the XXXX Call I made on XX/XX/XXXX. 
Also, please let Experian credit reporting know that I am XXXX  % current. 
Please do reply to me. 
Confirm receipt of this Complaint : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX Phone : XXXX
Consumer complaint received 2022-10-11
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. (IA)

Account is stating incorrectly by XXXX and XXXX. I have disputed this account as account is reported as a charge account type with a derogatory account status collection charge off payment status with date opened as XX/XX/XXXX by XXXX XXXX XXXX Report stayed open as XX/XX/XXXX. Date last reported is stating as XX/XX/XXXX by XXXX XXXX while XXXX report state last reported as XX/XX/XXXX, XX/XX/XXXX. Date last active reports as XX/XX/XXXX by XXXX XXXX while XXXX reports XX/XX/XXXX. Date of last payment reports as XX/XX/XXXX by XXXX XXXX while XXXX reports XX/XX/XXXX, XXXX payment history is reporting payment from XX/XX/XXXX through XX/XX/XXXX as OK as agree with one charge off on XXXX XXXX if payment history is reporting consecutive OK as agree. How is it possible that just suddenly XX/XX/XXXX theres charge off? Now, there is no possible way that account can be reporting payments up to XX/XX/XXXX and have date of last payment recorded as XX/XX/XXXX with XXXX XXXX and XX/XX/XXXX with XXXX. This is a total mistake itself dates do not make sense.
Consumer complaint received 2022-07-05
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. (FL)

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 XXXX # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
1

5 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 ) X1 ) 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 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

i am not delinquent.

i paid on time the moment i got my credit card statement on XX/XX/XXXX. 

i did not get statements before!! 


XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX SSN XXXX XXXX : XX/XX/XXXX Complaint : Hello, I only got my Statement by mail on XX/XX/XXXX, and immediately made payment. I have not received any statements in XXXX or XX/XX/XXXX. 
As such, please issue refund of " interest charge '' and remove any late notation from the credit reporting files at Experian. 
See comments from the XXXX Call I made on XX/XX/XXXX. 
Also, please let Experian credit reporting know that I am 100 % current. 
Please do reply to me. 
Confirm receipt of this Complaint : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX Phone : XXXX
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

Hello, Last month I received notification on my Equifax report that my credit score dropped XXXX points from XXXX to XXXX. I checked my credit report and noticed an open account was listed under XXXX with a balance of over {$20000.00}. This is fraudulent and I conducted an online dispute with Equifax, but after their investigation they would not remove the fraudulent account, stating it was legitimate. I called the XXXX 's customer service number ( XXXX ) on XX/XX/XXXX and spoke with XXXX ( Operator ID XXXX ) and explained the problem. She confirmed that there were no active accounts currently open in my name with XXXX, with the only account listed was a closed account I had from XXXX. I told her that I have a pdf with the results from Equifax where they stated I had an open account and a {$20000.00} balance, and she informed me that I needed to mail this information along with a letter in writing to this address, which I did to the address below : XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX Delaware XXXX I then called Equifax directly after that ( again on XX/XX/XXXX ) and was told that they only thing they could do was to dispute the dispute. So I opted for that route and was told it would take another 30 days ( dispute # XXXX confirmation # - XXXX ) I don't know where else to turn, but I have literally spent now over 13 hours between research, holding on the phone and talking with various people ( in addition to placing fraud alerts on my account ) and I have gotten no where. XXXX 's literally has stated they have no open account in my name in their system, yet Equifax refuses to do anything. Please remove this fraudulent activity from my credit report. The Equifax dispute report that shows the account information is attached, with a summary below. 

Last 4 of account number XXXX. 
Date Opened XX/XX/XXXX XXXX XXXX- {$20000.00} XXXX XXXX- {$21000.00}