davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

I applied for an HSBC XXXX  checking account in XX/XX/XXXX using an online link that offered a {$450.00} welcome deposit. After successfully completing all qualifying activities described in the promotion, {$450.00} was never deposited into my checking account. 

Contacted HSBC several times regarding the welcome deposit in XXXX, and again in XXXX. On XX/XX/XXXX, HSBC customer service stated that the account wasn't opened using the advertised promotion and she would seek manager approval to see if an exception could be made.

Months later, {$450.00} welcome deposit has not been received and bank did not follow up.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (WI)

To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my XXXX XXXX XXXX account is reporting inaccurately. 
I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX ACCOUNT THROUGH XXXX XXXX -- -- XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. XXXX is reporting a balance of {$520.00} with a current payment status, XXXX is reporting a balance of {$240.00} with a current payment status and XXXX is reporting a balance of {$520.00} with a current payment status now all three of these balances cant be accurate. None of these balances are my current or accurate balance for this account. 

This account should be listed as ( {$140.00} ). I have attached a copy of ( my XXXX XXXX XXXX statement that proves your balance is in correct ).

Thank you,
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Winklevoss Exchange LLC (NY)

I have sent Gemini two emails regarding verification of my account and have not received a call or email from them. First request was support number XXXX on XX/XX/2021 and the second support number was XXXX on XXXX XXXX. My account is still in verification mode and I am unable to withdraw my deposit funds. In addition, all information has been provided to the company.
Consumer complaint received 2016-10-08
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Continental Finance Company, LLC (NV)

On Thursday, XXXX XXXX, 2016 @ XXXX, I received a call on my mobile phone from blocked number from a XXXX XXXX XXXX stating that he was calling from the XXXX XXXX Clerks office. He said that if I did not respond I would be served legal paperwork by a uniformed officer the next day. He referenced a phone number and an account number. The phone number was XXXX. I tried calling the number back and I received a message saying that the number was n't valid. After making another attempt to call on my cell phone I was connected to XXXX. XXXX saying that they were contacting regarding an old credit card that was originally taken out through Continental Finance. They said that there was a XXXX complaint in effect and that they papers were going to be served. After first speaking with XXXX XXXX and then to a XXXX XXXX XXXX, who was stated that he was in the legal department, they were wondering how I would repay the debt. They named off several numbers ranging from {$430.00} to {$3800.00}. They aid they would give me 72 hours to think about how I was going to pay the amount. They have also called and harassed several of my relatives giving the same story. I asked XXXX XXXX about XXXX XXXX and said that he posed as a person calling from the XXXX County Clerks office and all he said was that it was strange. He did admit that XXXX XXXX XXXX does work for their company but not in his department. I have a recording of the original message where XXXX XXXX XXXX stating that he is with the XXXX County Clerks office.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-06-12
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. (TX)

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

The letters are stated with items and issues. 

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 2021-06-07
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: Experian Information Solutions Inc. (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, and 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX ) via USPS certified mail with return receipt, this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my XXXX  report as well so in order to correct the inconsistencies between the Experian, XXXX, and XXXX  credit reports, the account needs to be deleted from the Experian and XXXX  credit report. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX SERVICES, XXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$57000.00}
Consumer complaint received 2024-02-17
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. (IL)

On my credit report with TransUnion it shows XXXX  XXXX with XXXX late payment from XX/XX/XXXX XXXX  with XXXX late payments from XX/XX/XXXX & XX/XX/XXXX In accordance with the Fair Credit Reporting Act, these creditors has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 any purpose.
Consumer complaint received 2016-11-09
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (PA)

Funds were sent from my Venmo account erroneously to a user that I have never met and they refused to send the money back to me. I raised this issue with Venmo and they offered no support at this point I took matters into my own hands and stopped the payments through my bank ( ON PURPOSE ). Then I received an email from venmo saying " Do n't worry we transferred the funds to the other user '' and now your account is frozen until you settle the debt with us. These funds were purposely stopped by my bank at my request. I will not pay Venmo this disputed amount as I wanted to stop these payments. They have now frozen my account and will not let me delete my account thus holding me hostage. This is absolutely ridiculous. I would like my account deleted and will not be resolving this so called debt as I specifically stopped these payments ON PURPOSE. 
The fact that they will not unfreeze and let me delete my account has me feeling hostaged and trapped.
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 — Account information incorrect
Company: EQUIFAX, INC. (PA)

To whom It XXXX concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$3000.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Consumer complaint received 2017-10-14
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (AZ)

1. ) My account indicates that my payments will increase, even though I have made payments on time for the past 7 years. My payment amounts increased from {$220.00} to {$680.00} for no reason. They have no right or reason to keep raising payments.
2. ) My account indicates that I have been only paying on interest and not on the principal of my loans. Over the course of 7 years, on some accounts, it appears that I have not made any progress in paying off accounts at all.
3. ) My account indicates that in 2012 a number of " disbursements '' were made on my behalf. I was not a student and did not receive any of these disbursements, one amounted to {$27000.00}. This significantly increased my balance.
4. ) The Navient loan company was recently sued for harming student borrowers though the repayment process. They are cause me a lot of harm.
Consumer complaint received 2015-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I submitted a loss mitigation package to attorneys for servicer SPS. On XX/XX/XXXX, I received the denial letter dated XX/XX/XXXX, from SPS 's attorneys. It was XXXX months late, it had an incorrect NPV gross monthly income amount and incorrectly denied HAMP Tier 2 eligibility. On XX/XX/XXXX, I sent SPS 's attorneys a notice of appeal consisting of an explanatory letter and XXXX spreadsheets showing my waterfall calculations. By letter dated XX/XX/XXXX, SPS denied the appeal claiming I had provided no documentation and it was past the 30 day appeal deadline. I responded by letter dated XX/XX/XXXX. All cited letters are attached herein.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX separate occasions I demanded information stating that I had signed a document stating that I owed this debt. The dates of my first, second and third disputes can be provided after the investigation begins. There are XXXX accounts for which I am receiving no information from the Florida Department of Revenue. I never signed anything to connect myself with these account numbers.
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (TX)

Card was canceled because it {$180.00}. Fraudulent charges new card issued to me. Notified by letter {$180.00}. Would be credited to my car on XX/XX/XXXX. Every time I call to tell them the money is not on my card. They tell me wait 3days, today is XX/XX/XXXX still no transfer of funds. Today they again said money is on old card. I am still waiting fir funds.
Consumer complaint received 2016-06-08
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Direct Recovery Services, LLC (TX)

I received calls today from Direct Recovery Services, XXXX different numbers from XXXX different states all stating the same thing. 

" Up now. Again this is a final call for XXXX only. If you are not XXXX. You must hang up now. This is your final call. This is XXXX (? ) and your failure to respond has resulted in your file being audited. This call is to inform you that although your file was processed on Monday XXXX XXXX. Our client will allow us to resend this process if you call today. Again you have only today to rectify this matter. Please advise. You must call by XXXX today Wednesday XXXX XXXX at XXXX. Again we must hear from you or council immediately no later than XXXX today at XXXX. To be connected to a representative press XXXX now. This is a final urgent message. This matter is private and confidential. If this is not XXXX please hang up now. Again this is a final call for XXXX only. If you are not XXXX. You must hang up now. This is your final call. This is XXXX (? ) and your failure to respond has resulted in your file being! audited. This call is to inform you that although your file was processed on Monday XXXX XXXX. Our client will allow us to resend this process .... '' Message received on XXXX/XXXX/2016, XXXX ( XXXX ). Length XXXX seconds. 

This is a print out from my father 's voice mail which is the same that I received. I called this number back and was directed to a male who was very unprofessional. Raising their voice and saying things such as and I quote " If it were me I would get off the couch and pay the bill '' as if to imply that I am just being lazy. These practices are against the law. I have not received anything in writing. Only phone calls threatening legal action. I have requested written documents but have not ever been given anything.
Consumer complaint received 2017-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My credit reports show that my credit history is only 6 months. I paid off a car that is reported on my credit. I bought the car in  XXXX   XXXX  and paid it off in  XXXX   XXXX . All  XXXX  credit reporting agencies previously showed this under credit history, but somehow it 's now only showing 6 months. The reporting company was  XXXX   XXXX .
Consumer complaint received 2023-06-12
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)

Upon reviewing my credit report, I have discovered that I have become a victim of identity theft, which is deeply distressing considering I am currently in the process of purchasing a home for my family. This unfortunate situation has had a detrimental effect on me. I kindly and respectfully request that you expeditiously remove these fraudulent accounts from my credit report. Please see attached documents
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (TX)

XXXX XXXX is illegally checking my credit. I have not given them permission to check my credit and this is the second time XXXX XXXX has checked my credit without my consent. Also XXXX XXXX is still showing on my credit with all three credit bureaus.
Consumer complaint received 2015-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I applied for the Making Home Affordable program ( 2 % interest rate ) HAMP Tier 1 and/or Tier 2 through my mortgage lender, SPS. For the last few months, I 've been having a difficult time paying my mortgage and been trying my best to stay afloat. My expenses have increased. To make ends meet, I exhausted all my reserves and looked for help from SPS. I want to be evaluated for every loan modification alternative including the HAMP program which is the lowest and most affordable mortgage payment. I also want a decreased interest rate to 2 % through the HAMP program as well as any incentives. SPS has been delaying consideration of my mortgage application, losing documents, constantly requiring additional items, making me submit new documents because the documents I previously sent to them are now outdated ( the lender dragged their feet ), dual-tracking ( filing a foreclosure complaint while a modification is pending review ).
Consumer complaint received 2017-10-14
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc. (AP)

Company : Key 2 Recovery I am currently serving in the military and was informed that the private loan I had taken through college had gone to collections under a total of {$19000.00}. I received the notification in XXXX 2016. I responded with a letter claiming the Civil Relief Act that would lower the interest to 6 % and also requested verification of the account. I received a response which listed my principal amount as being {$13000.00} and an additional debt of {$6500.00} listed as " collection cost. '' No proof of contract for the private loan was included in the correspondence. The company said nothing about honoring the Civil Relief Act. Since then, we have receiving phone calls threatening that my situation has been " escalated. '' I have not yet called to request clarification for this threatening statement. 

To date, my debt has been in collections for over a year. However, it has never been officially listed in my credit report. Insofar, I have not yet taken action as I question legitimacy of this account.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.