davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

I am filing this complaint with CFPB because in the last 60 days I have been unable to receive any response whatsoever to my online and written complaint mailed to the HSBC Executive Office on XX/XX/XXXX at HSBC Bank USA, N.A., Executive Office, XXXX XXXX XXXX, XXXX, NY XXXX concerning the following : In XX/XX/XXXX, I did a Balance Transfer of XXXX ( including transfer fee ) with a 0 % APR until XX/XX/XXXX. In XX/XX/XXXX, I received my first interest charge on a balance of {$790.00}. The interest computations seem correct ; however, on my statement it reads : " Interest Charge on Cash Advances ''. By the way, when I look at my transaction history online at the HSBC website, it reads " Finance Charge Cash Advance '', instead of " Interest Charge on Cash Advances ''. Either way this is incorrect when listed as a Cash Advance. 
I noticed this error on XX/XX/XXXX when making my timely online payment. 
On that same date, XX/XX/XXXX, I contacted HSBC via their chat line. I was told that the Balance Transfer showing as a Cash Advance was a computer error on the part of HSBC. I opened up complaint number XXXX and sent a written complaint to the HSBC Executive Office address listed above. 
In my written complaint, I advised HSBC that I was entitled to an accurate statement reflecting MY transactions. Attached to my written complaint was the chat line conversation that had been emailed to me as documentation. This chat documentation also included the Executive Office address where I was directed to mail my complaint. 
Also included in my complaint letter were portions of HSBC 's own credit card agreement showing that Purchases, Cash Advances, and Balance Transfers are distinctly different transactions. Additionally, according to HSBC 's own credit card agreement, I am entitled to a response to a written complaint within 30 days. So 30 days later when I again went to make my timely online payment on or about XX/XX/XXXX, I called HSBC to follow up on my complaint. I was advised that my complaint would be resubmitted. 
It is now XX/XX/XXXX and I am once again making a timely online payment and, to-date, I have received no response whatsoever from HSBC. As a note, I always make my payments online, although the address to mail payments is : HSBC Bank USA, N.A. at XXXX XXXX XXXX, XXXX XXXX IL XXXX. 
Additional note : In my original letter in the RE section, I indicated the complaint number as XXXX. The correct complaint number XXXX is in the chat documentation attached to my complaint. In my XX/XX/XXXX phone call to HSBC, I was advised of this error and added a notation to my copy of the complaint letter in the RE section. I did not send a new letter to HSBC because they had more than enough information to address and handle my complaint. I have attached a copy of my letter. The original letter was printed out, signed and mailed to HSBC to XX/XX/XXXX.
Consumer complaint received 2022-06-30
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. (MI)

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  STATE OF XXXX DEPT OF AT Child Support XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX {$270.00} XX/XX/XXXX STATE OF XXXX  OFFICE CHI XXXX {$3200.00} XX/XX/XXXX STATE OF XXXX  OFFICE CHI XXXX {$45000.00} XX/XX/XXXX XXXX XXXXXXXX {$5100.00} XX/XX/XXXX STATE OF XXXX OFFICE CHI XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$440.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.on. for 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Consumer complaint received 2024-09-11
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. (OH)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

XXXX XXXXXXXX bank account ending in XXXX settled showing unpaid. Case number XXXX settled for {$1500.00} as agreed.settled on XX/XX/2022 XXXX bank account numberXXXX  settled in full for {$380.00} as agreed on XXXX XXXX
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

Trying to login to Experian website to dispute something on my report. 
When I attempt to log in I'm directed to a page that asks only for your log in info, then flips back to the main log on page. This happens over and over. 
Tried every phone number they have online only to get an automated operator that doesn't offer any assistance with logging in. Can not reach a live person for help. 
This same complaint is all over the web and XXXX from many other people. Please help, we are forced to use this company and cant access our information.
Consumer complaint received 2019-12-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Comerica (GA)

IT IS IMPOSSIBLE TO GET IN TOUCH WITH DIRECT EXPRESS. I CALLED THE NUMBER FOR THE XXXX XXXX AND SOMEONE ASWERED THE PHONE BUT HUNG UP ON ME WHEN I TOLD THEM I DID NOT HAVE A TTY DEVICE. 
THIS SEEMS TO BE A FRAUD WHEN YOU STAY ON HOLD FOR 1 1/2 HOURS AND STILL NO ANSWER. 

HOW CAN I GET MY MONEY. I NEED IT NOW!!!
Consumer complaint received 2022-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Homeowner posted his house for rent on XXXX. He gave a very convincing report about himself, his family, and circumstances for not going through a property management company. He told me I couldnt have a look inside the house because current tenants didnt want to be bothered but I could explore the outside of the home. I went around the neighborhood and multiple neighbors confirmed his identity as the owner. We went back and forth for a week by email and I asked him to video chat to confirm his identity but due to family circumstances, he could only call me to provide me information on the rental. He said his lawyer would meet me with the key once I had paid security deposit but could hold off on first months rent until prior to XXXX. We signed a lease and I paid security deposit to his accountant XXXX XXXX via XXXX. He asked me for first months rent a month prior to the lease date stating his later insisted I pay prior to move in based on the contract. I explained to him about our agreement over the phone and he agreed to hold off on first months rent until prior to move in. At the end of XXXX, I tried sending money to his accountant but it errored so I reached out. He said there was an issue with the account and to send the money to his secretary XXXX XXXX, so I did. He gave me a phone number to reach him. I called in the evening but it didnt have a voicemail so it kept ringing. On my last payment date, he asked me to send an extra {$1000.00} for small repairs on the house and I declined stating that he could use the security deposit I paid last month. I never heard from him after that despite multiple attempts to call and email. I called the initial number he called me from and the number he gave me. The number he provided goes to a design company that doesnt have anyone by XXXX XXXX working there. The initial number rings until it goes to voicemail with no identifier. 

Fraudulent rental : Security deposit sent ( {$2500.00} ) via XXXX through Citizens Bank app : XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$500.00} First months rent : XX/XX/XXXX- {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$500.00} On XX/XX/22, I called my bank and they told me they couldnt do anything because the payments had already processed. They were not able to give me any other information about the recipient except names despite telling them it was fraudulent and I was going to pursue legal action.
Consumer complaint received 2019-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

This is a follow-up to recently closed complaint no. XXXX. It is completely unacceptable that Bank of America has determined that my teenage daughter 's account should not be refunded the fees the bank charged her account. The bank ran an investigation and found that my daughter 's account had fraudulent activity on it. Accordingly, they refunded two fraudulent charges, as well as the fees associated with those two charges. As courtesy, they also refunded several other charges. However, it makes no sense that won't refund ALL the fees the bank assessed to the account, each time additional fraudulent charges were attempted to be put through the account. Mind you, the bank did not pay out these fraudulent charges, however, each time the fraud was attempted, the bank charged my daughter 's account {$35.00}. This happened over 20 times to the tune of over {$800.00}. The bank absolutely must refund these charges. It's not right they can just take money like that when they should be protecting us from such activity. Please re-open your investigation and help me! 
Regards, XXXX XXXX
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-08-07
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. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (TX)

Purchase a prepaid American Express Serve card almost {$500.00} was put on it when I purchased it. 
I activated the temporary card. I went to use it and the money is gone. I did not register it it said you can use it just activate it and use it. I needed to pay bills I was not planning on reloading it. So I use it as a temporary card like any other prepaid card that I've used I've never had a problem with. Use this for the first time and this is a horrible experience. Contact a customer service couple times and I was told that my name was not on the card it was someone else 's name. And then just received an email stating I authorized the purchase a {$450.00} so I will not get my money back and that is that it will not even let you reply to their email. They will not explain what happened if I authorized something I would like to see my name somewhere. Me being told another name was on the card that I had in my possession in my hand. Pretty much tells me fraud. So if they are not willing to tell me what I authorized and let me know all the information then they're hiding something. They've already told me that there's someone else 's name on the card. They will not give me any more but you authorized it we're not paying you back. Please help
Consumer complaint received 2022-07-16
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: Freedom Mortgage Company (TX)

I am in an active forbearance now due to the fact I was sold a house that doesn't meet VA loans approval at all in the last 2 months freedom mortgage has added XXXX and XXXX to my principle balance lowering my credit score by XXXX points under the cares act it not supposed to negatively affect me at all this needs to be rectified immediately!! they are giving me the run around and blaming everyone else other than them making the mistake i only owe XXXX not XXXX i bought the house for XXXX
Consumer complaint received 2019-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to my bank to get a loan so I can help my mom get a new car and I was denied. I have been with my bank for a very long time and have other accounts with them. My banker gave me a copy of my credit and there are things on my credit that are not mine. I have reached out to the FTC and to my local department. Please move them from my credit. XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. There were also some inquiries that are not mine as well, 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. I am doing this on my own behalf.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WI)

On XX/XX/2022 I began to get alerts from an identity protection company there were a lot of hard inquiries hitting my credit reports. I pulled all three reports and found up to XXXX hard inquiries which were not made by me and were clearly fraudulent. 

I spoke to Equifax on XX/XX/2022. I was told that my hard inquiries were flagged but could not be disputed until I had obtained a police report and FTC report. I was told I would be able to upload them online. ( I also placed a fraud alert and freeze with all three reporting agencies. ) On XX/XX/2022 I tried to upload the police and FTC reports. I found there was no way to do that through XXXX. I tried to submit the disputes online as well. During that process there was no way to upload any documentation. 

I called them three times and kept getting told I would have to fax them. I don't have a fax machine and would have to pay for that. Not cheap. Or I was told I could mail them in, which means printer costs, mailing costs including a Return Receipt Requested. It also means more time would pass before they would do anything. 

It is nothing short of outrageous they make this process as difficult as they do and their representatives are woefully ill-trained and uninformed. Several times different representatives provided conflicting information. 

If I could refuse to do business with Equifax I would, in a heartbeat. They call me a 'customer '. I am not a 'customer '. I did not hire them. We are all simply subject to their activities with little to no control over what they do and how they affect our lives. 

Meanwhile, I do not trust them to do anything to prevent this illegal identity theft activity from recurring. I would fire them if I could. Everything about my experience was completely horrible and it has taken me hours to deal with them.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

remove the security freeze and the fraud alerts on my reports I did not add them and incant get them to remove ant other way Ive attached my id as proof of id thx XXXX XXXX XXXX
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX SOC SEC #  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXXXXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX REMOVE THIS NOTICE FROM MY CREDIT REPORT. I DONT HAVE A TRANSPORTATION SERBVICE THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX NAME : XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX