davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DeptedXXXX900000521746399, DeptedXXXX DeptedXXXX DeptedXXXX DeptedXXXX DeptedXXXXXXXX DeptedXXXX DeptedXXXXXXXX, DeptedXXXXXXXX, DeptedXXXX DeptedXXXXXXXX, DeptedXXXXXXXX, In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2022-08-09
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. (IL)

I have submitted disputes to you, and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2022-07-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been making my payments on time for the entirety of my loan so far. I recently fell into a financial hardship due to the on going pandemic. I contacted my Loan provider Capital One today ( XX/XX/22 ) and requested an extension on this month payment ( XXXX ). I was then told I did not qualify to have the payment extension. No explanation was given. Capital one website states they are here to help customers who are in an hardship, but yet I was not accept. Now I will have to lose my car since they are unwilling to help me.
Consumer complaint received 2024-01-22
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)

Experience, XXXX, and XXXX is the third party company. Which means not only did my bank violate me under the privacy act of 1974 and their terms and condition and which it is that they granted to me at the time of the account opening. The credit agency reported agency did as well.

In accordance with The Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Also XXXX XXXX XXXX XXXX violated my privacy right under the privacy act of 1974 by share my information to a non affiliated third party creditor. I have evidence to prove my case. For the F.C.R.A. As a Federally Protected Consumer. I am now opting out of any and all authorizations. I the consumer may have given you. Written, Unwritten, Verbal, Nonverbal, PER 15 USC 6802. 
I told the Experian, XXXX, and XXXX to Reinvestigate these accounts :
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion was sent various letters regarding their investigation process and violations that appear on m personal credit report. Personal information was also erroneous and was updated only after requested. This includes wrong names, addresses, phone numbers, and open dates on accounts. Amounts owe on accounts were in error across all three credit bureaus. The status of accounts was incorrect as one account was closed and reopened as active. Transunion sent a stalling letter as a response to a letter sent to state how they verified the information in my personal credit. Currently, there has been no response to this letter. Letters were sent to XXXX and XXXX to address the investigative process according to the law
Consumer complaint received 2021-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

I recently incurred a loss on my home. The loss was repaired and my insurance company sent me a check for about {$5600.00}. The check was made out to me, my wife, HSBC ( 1st lien holder ) and XXXX XXXX XXXX XXXX ( " XXXX '' ) second lien holder. 

As HSBC is the first lien holder, they informed me that I and my wife had to endorse the check, which we did, and then XXXX needed to endorse the check. I followed XXXX 's process for getting an endorsement in which they use a stamp and do not imprint a " wet '' signature. I then sent the check to HSBC per their process instructions. 

HSBC called me today to tell me they have mailed my check back to me ( regular mail with no tracking ) instructing me, the customer, that I have to go back to XXXX to get a wet signature. As part of what was the worst call I have ever engaged in, HSBC refused to tell me what signatures they would accept. I understand they can not dictate names, but all I asked is that THEY contact DCU to find out who was authorized and what officer title they hold. I wanted to be as sure as I can that I am not in an infinite loop going back and forth trying to conform to potentially incompatible processes. 

In the end, HSBC disconnected my call via sending me to an unnamed voicemail account that belonged to a XXXX  ( work initials XXXX  ). The call supervisor I spoke with, XXXX ( work initials XXXX  ) was completely unprofessional, lied to me multiple times, and was throwing as many road blocks in front of me as possible to make this as hard as possible. Meanwhile, I am out {$2800.00} from paying the contractor who fixed the loss 50 % up front. And the contractor is out {$2800.00} because HSBC is making this process as difficult as possible. 

I find it ironic that they are doing this when HSBC made it so easy for people from XXXX and XXXX XXXX XXXX to launder money through their bank ( for which they were fined ) but XXXX didn't know anything about this. 

I ask that HSBC please be held accountable for this atrocious behavior, policy/process and overall customer service.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-01-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (VA)

This is about the exorbitant fees banks in general charge when you haven't enough money in your account to pay. Truist bank now charges {$36.00}. Each time. Its a policy banks came up with ... Truist will charge me {$36.00} whether they refuse to pay it out or do pay it. We are charged regardless. There's no way to get out of this fee if my funds are low so it keeps going and adding up... then they charge you again if you still don't have funds after seven days. Its an ethical thing. Banks do nothing for me ... .I get no interest any more and they use my money to invest ... What do I get in return??? A fee that they set so they the bank the board make more money off the back of in my case a XXXX XXXX. They are ROBBERS. They lose nothing but they to gain at my expense. 
We have to be protected.
Consumer complaint received 2021-04-28
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. (MO)

XXXX : In XXXX They reported that I was late although the dates reported I was not late. The year of XXXX I submitted documents proving I was on unemployment, and was willing to make a payment. However, they were not willing to accept anything less that the stated payment amount. Because of this they reported 8 late payments for all accounts XXXX XXXX accounts total ). The reported late payments started at 60 days late on XX/XX/XXXX, but months prior to this I have on time payments. I would assume if someone was late it would start at 30 days at least. How is it possible to go from on time to 60 days late in the time span of a month? In the following year ( XXXX XXXX I received the National Emergency Forbearance Due to the Corona Virus Pandemic, Although I was under the forbearance I still received a late payment in the month of XX/XX/XXXX for each account ( 4 accounts ). This is tremendously hurting my credit report, and hindering me from getting approved from things I need. Everything else on my credit report is reporting positively. 

XXXX XXXX : On XX/XX/XXXX I received a late payment of 90 days late. However prior to then I was on time. in XXXX and XXXX of the same year all accounts were reporting deferred. This is immediately after the late payment I received. 

XXXX : In the month of XX/XX/XXXX I began receiving late payments, During this time I was in a Forbearance because I'd just graduated I was given a total of 5 late payments XXXX 2018-XXXX 2019. During the month of XX/XX/XXXX I received a late payment on my student loans. This late payment was listed in error because I was under The National Emergency Forbearance Due to the Corona Virus Pandemic. 

I have spoken with XXXX, XXXX, XXXX XXXX, and the credit Bureaus and neither of them removed the late payments. During my last correspondence I wrote a letter to all three credit bureaus and they stated that all the information was correct although it is not.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX  violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX  has violated this law because this late payment had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX XXXX has violated this law because this late payment had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion and is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion and is a violation of my right to privacy because I didnt give them permission to report it publicly.
Consumer complaint received 2024-01-23
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMERIS BANCORP (CA)

COMPLAINTS ABOUT XXXX XXXX AKA AMERIS BANK SUBJECT : {$30000.00} NEVER REACHED THE RECIPIENT who was the client of XXXX XXXX  yet money WAS NEVER RETURNED TO ME- SENDING ACCOUNT : XXXX XXXX XXXX in XXXX XXXX sent a wire to XXXX XXXX XXXX ( ABA XXXX ) for account number XXXX in the name of XXXX XXXX XXXX XXXX- it seems like AMERICAN BANKING COMPANY suspects their own client and refused to give them the money. They telexed XXXX, but XXXX NEVER ANSWERED and I never got a call from XXXX notifying me of any problem with the wire from the receiving bank XXXX CLIENT sent me a copy of his account activities for the whole month of XXXX ( enclosed ) to tell me that the money was never received. Immediately I went to XXXX to request for a recall of this wire. CASE NUMBER XXXX XXXX. Employee name is XXXX who promised to follow up on this and will call me between 9-6 within the week. 
XXXX called XXXX to follow up on the recall. I spoke to a supervisor named XXXX in the wire department. She said she has not heard from Ameris, but will accelerate it. 
XXXX called XXXX WIRE again. This time it is XXXX who was the supervisor. he still has not heard from AMERISXX/XX/XXXX-SOMEONE from XXXX actually called me to tell me that AMERIS has not answered yet. 
XXXX I called XXXX again. They said that they have sent 18 messages to AMERIS but they never got an answer. WHY IS AMERIS HOLDING MY MONEY? AND NOT RETURNING TELEXES OR COMMUNICATIONS TO CITIBANK. THIS BANK NEEDS TO BE INVESTIGATED THOROUGHLY NOTE : I am not a client of XXXX XXXX  but i have the account number where the wire was supposed to go to
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2021-09-01
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. (TX)

EQUIFAX has failed to protect my file and information. I have 3 fraudulent acounts on my credit file. I disputed all three XXXX XXXX, XXXX XXXX, XXXX XXXX. They did remove XXXX XXXX and XXXX XXXX  which are fraud but put them back on 6 months later. You cant delete fraudulent accounts and then put the same accounts back on my file and have no reason. I have addresses i never lived at on file i disputed those and Equifax cant seem to get there stuff together. Their customer service reps hang up on you when you press them about Equifax mistakes and how are they going to fix them. Their dispute process is a joke they are jeopardizing millions of Americans information a on top of that there is major incompetence within its work staff. My credit file is a mess with inaccuracies and fraudulent information on it. I have exhausted all my resources in trying to fix my file. We need another Congressional hearing about this company and there mishandling of my credit file and so many other Americans
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I paid my PayPal extra MasterCard full balance {$270.00} XX/XX/2020, came out of my bank account XX/XX/XXXX. As of XX/XX/XXXX, it has still not posted. I called a rep and I was told there was a 14 day hold on the payment with 9 days left. I was not notified when I made the payment. Rep said customers have to call in to find out there is a hold. 
I spoke to a supervisor, but got no where. I have been impacted by covid19 and the money I was to use to pay bills is on hold.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (PA)

Hi my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. Somebody signed up for credit cards in my name. And also I have 1 hard inquiry and 2 closed accounts that needs to be deleted. Why? Because I am a victim of identity theft I did not apply for these. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 


Fraudulent/Negative Accounts : XXXX XXXX XXXX XXXX Account Number:517805XXXXXX Account Opened : XX/XX/2022 Balance : {$440.00} ***UNAUTHORIZED inquiries and closed accounts CONTINUE ON THE NEXT PAGE*** Fraudulent/Negative Accounts : XXXX XXXX XXXX XXXX Account Number:XXXX  Account Opened : XX/XX/2022 Balance : {$530.00} Unauthorized Inquiries : Credit card Inquiry name : XXXX Inquiry date : XX/XX/2022 XXXX
Consumer complaint received 2020-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

My daughter has a usaa account. My wife is on both accounts and USAA decided to take an unauthorized {$800.00} transaction to cover my daughters account. Was not told about this, had to see it on my account days later. I called USAA and they said nothing would be done. This bank continues to discriminate against me and probably other veterans and they need to be investigated
Consumer complaint received 2021-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

Experian XXXX XXXX XXXX XX/XX/2020 {$1400.00} As stated in my previous dispute, XXXX XXXX XXXX is acting fraudulently with the consent of Experian in regards to my credit report. XXXX XXXX XXXX claims to have investigated and verified the alleged debt that I owe but according to The Fair Credit Reporting Act in Section 1681a ( e ) it clearly states that a legitimate investigation where any information regarding any consumer must be obtained through personal interviews with either myself ( the consumer ), neighbors, friends, or associates of the consumer. No such investigative actions have been taken by XXXX which is an illegal violation and false claim on their part. XXXX in response to my previous dispute has claimed and acknowledged that they are acting as a business associate ( which is a third party ) in an attempt to collect a debt which is also fraudulent. According to the Fair Credit Reporting Act If they can not provide evidence that they are the original creditor then they must cease all attempts at collecting the alleged debts. 15 us code 1692c also states that third party communication with a consumer in regards to collecting a debt is unlawful unless given prior consent by the consumer. XXXX claimed to have produced an itemized letter with a description of the charges being sought after, according to 15 us code 1681a 3 ( b ) there is a restriction in place to prevent from sharing medical information without the consumers consent even if there is an individualized list or description based on the payment transactions of the consumer for medical products or services. XXXX has also misspelled my name and addresses this debt to the wrong person in pursuit of the debt which falls under block of information as a result of identity theft according to US code 1681 c-2. Also, XXXX XXXX XXXX is indeed violating my XXXX rights as a consumer because although they may have fraudulently produced an itemized list with a description of the charges being sought after, they have failed to produce a copy of my XXXX transcript signed by me as the consumer and original creditor. This is a serious violation of The XXXX XXXX XXXX, several US privacy codes and fraudulent activity which can result in a hefty fine of up to {$10000.00} or more. As the original creditor and the consumer I would be within my rights to pursue litigation for every single violation named and unnamed in this dispute and to seek financial remedy for the unfair practices and abuse regarding my credit report. If all fraudulent collection attempted are not ceased then this will be the next course of action.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

On XX/XX/2024, I provided all necessary information to create a new account on the Equifax web site. The required confirmation code that was sent to my e-mail contained no code at all. I tried three different alternate methods to log in, and I received no further information on why they would not work. After calling three different numbers, I was finally able to connect to an agent that put me on hold for over 15 minutes and then told me that she was seeing an error message that " she has never seen before ''. I asked to escalate, but was almost immediately hung op on by a Supervisor who only provided the first name " XXXX ''. He barely let me explain the situation, and was argumentative from the beginning of our discsusion. 

I can not login to my account and can not freeze my credit report with Equifax, and find this completely unacceptable.
Consumer complaint received 2022-01-17
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)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.