davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

I have a saving account in HSBC Bank.

I did an International wire transfer to a bank account in XXXX on XX/XX/XXXX. 

The amount has not yet been received by the receiving bank. They need wire details to see if the transaction actually happened but HSBC continuous to deny the details of wire transfer to me, indicating that they are hiding something and have taken my hard earned money.

See below the response. I tried calling the number they have mentioned multiple times with no luck, it keeps circling and eventually hangs up.

Clearly HSBC does not have good intensions about safeguarding my money. 

See below the communication I have received on XXXX XX/XX/2021. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Dear XXXX XXXX, Thank you for contacting HSBC Bank USA, N.A. 

We have received your BankMail inquiry with regards to the wire transfer initiated from your account on XXXX of XXXX for the amount of {$3000.00}. 

Upon checking we see that the wire transfer is processed from our end and the recipient should have had the funds credited to the account on or before XXXX of XXXX, 2021. 

Here 's the confirmation code for the transfer : XXXX. 

Request you to check with the recipient or the recipient bank once and if in case the funds have not been credited to their account, We recommend you to contact us at XXXX XXXX - XXXX M-F, during the wire room working hours, the team will transfer to the wire room so that they should be able to check this for you. 

You can also reach out to us via webchat as we are available XXXX. 

Beginning XX/XX/2021 we have made it faster and easier for you to get help with your service needs when you navigate to Messages in your HSBC Mobile App. Instead of sending us a BankMail/Message when you need help, you can now chat with us in real time. You will still have access to all of your incoming messages. You may still send BankMail/Messages in Personal Internet Banking at this time. Be sure to check your app store to ensure you are on the latest version.

Thank you, HSBC Bank Mail Team HSBC Bank USA, N.A. 2021. All Rights Reserved.
Consumer complaint received 2022-11-29
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. (DE)

I just recently looked at my credit profile and discovered that " XXXX XXXX XXXX '' is reporting a debt that does not belong to me. This is a medical debt, so not only have they not verified that it belongs to me but they also have not provided me my XXXX authorization stating they have permission to have my medical information in the first place. I have sent dispute letters to " XXXX XXXX XXXX '' and have not received a response.
Consumer complaint received 2022-07-03
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. (TX)

I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Im writing today to provide details as they pertain to the issue with my Bank of America credit card that was closed by them -- with absolutely no notice to me -- on XX/XX/XXXX. 
Eighteen years ago, I opened my first credit card, with my father cosigning as guarantor. For eighteen years, I made my payments on time, monitored my usage carefully, and never went over my credit limit. I very carefully built my credit, and very intentionally kept this card open and in good standing, as I know how much the average age of credit can impact a credit score. 

In XX/XX/XXXX, evidently Bank of America decided they needed more information about my father ( just address and phone number, nothing major ), who has not moved in five years or changed phone numbers in 20 years. It having been so long since the account was opened, and given how little information they required from him upon opening the line of credit, all they had retained as far as his information was one of my old addresses, at which he never lived. 

BOA claims they sent a single letter to an address at which my father never lived, and at which I have not lived for seven years. ( Note that they randomly updated his address to mine when I lived at the address mentioned above, but not, for some reason, when I moved into my current home, which I have owned and inhabited for seven years. ) When that letter obviously went unseen and unanswered, they unilaterally closed my XXXX year old account with absolutely no notice to me of any kind, which they openly acknowledge. This means no letters, email, or phone calls at all. I discovered the account was closed via a credit monitoring alert from XXXX. 

Ive spoken at length with bank representatives, both over the phone and in person at a branch. All have claimed that there is absolutely no way the card can be reopened, which is simply bank policy, and have offered no recourse for my severely damaged credit. My average age of credit has dropped from nine years to 3, and my available credit has suffered hugely as well. My credit score has dropped into Fair for the first time I can remember -- at least 15 years. My husband and I share a car and were about to apply for an auto loan. That's no longer possible. This has had severe and real-world consequences for me, through no fault of my own.
Consumer complaint received 2021-02-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

I had previously had an item from XXXX  a payday loan provider removed from my XXXX  XXXX  and XXXX  credit reports for identity theft. I received an alert today that a debt collector, NCA had once again placed this item on credit report. NCA has never contacted me or sent me a notice of validation and an opportunity to dispute this debt. It is a violation of The Fair Credit Reporting Act and The Fair Debt Collection Practices Act to engage in this misconduct and place the item again on my credit report after it was removed fir identity theft reasons. Please find my notice of dispute, identity theft report updated to reflect NCA and additional documentation. It is also worth noting the CFPB sued NCA recently for this type of misconduct. I have attached the lawsuit to this complaint.
Consumer complaint received 2022-07-03
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. (PA)

Hi, my name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. This issue is giving me an extremely hard time trying to get a house. The items are listed in the report. I am a victim of identity theft and did not make the charges. I ask the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible please and thank you! 

XXXX XXXX XXXX
Consumer complaint received 2021-11-15
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. (FL)

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX/XXXX-Date of inquiry XX/XX/2020
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mary Jane M. Elliott, P.C. Attorneys At Law (MI)

Mary Jane M. Elliott, PC collected a debt via garnishment from my bank account on XX/XX/20 in the amount of {$1300.00}. This debt was originally for a XXXX XXXX debt, and the garnishment from my bank account satisfied this debt. 

However, the collection agency run by Ms. XXXX also had a garnishment placed against my state tax return, which they failed to release after the debt had been satisfied on XX/XX/20. 

As of the writing of this today on XX/XX/20, the state tax return garnishment has still not been released, therefore {$900.00} owed to me by the state has been held up wrongly because of the inaction of this collector to release the garnishment. 

I have contacted the office on several occasions, most recently on XX/XX/20 at which time it was verified that the debt was indeed satisfied but that they " somehow failed to '' release the tax garnishment. However, I contacted the state of Michigan treasury today, and they still have not received the garnishment release. 

I would like action taken against Mary Jane M Elliott, PC for causing harm to myself and my family by failing to release this garnishment and thus preventing my state tax return from being rightfully sent to me. This has caused my family finacial harm during this very difficult season. We need this money and it should have come 6 months ago. Mary Jane M Elliott should be held to account for this egregious error.
Consumer complaint received 2022-10-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Johnson Mark LLC (OR)

I found out that Johnson Mark LLC sued me for a debt that I have not made a payment on since XX/XX/2016. That payment was through a 3rd party credit management firm, I have had no direct contact with any of my original creditors from this time period since well before that date. Johnson Mark LLC had a judgement entered against me in court and proceeded to garnish my bank account. I do not know exactly who the original creditor was yet, but there is no question that it is among those included in the credit management program that I discontinued in XXXX of 2016. The notices for this suit were not received by me so I was unable to respond and I do not know when it was entered. This debt is past the 6 year limit as of XXXX or earlier, and it is illegal for XXXX XXXX to pursue the judgement in court if they did so after that date. I do not have a copy of the judgment or my bank notice regarding the matter because I closed the account and lost all of the digital correspondence because I have paperless statements. Bank XXXX XXXX could not reproduce the letter or give me any details beyond Johnson Mark LLC 's phone number. I have not contacted them because I received advise NOT to reach out to them directly from a credit repair specialist. 

Thank you! 

Johnson Mark LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( XXXX ) XXXX
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (UT)

The debt collection agency Is trying to collect a debt from me that is not mine and that I have no knowledge of. The address where the debt is being reported to, I have never lived or associated with ever. The debt collection agency does not have a license to collect debt in Utah, which is where the debt was said to be accrued. Utah is where I currently live as well. The agency has sent dozens of emails and dozens of calls. I have asked to not be contacted anymore and then I block the number just to be called by the same agency from different phone numbers. It went from getting calls and emails from one company, to another company that is filed as their DBA.
Consumer complaint received 2022-10-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I have disputed accounts with XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX they all say they have missed payments but also have XXXX charges connected to them. according to 15 U.S code 1605 ( a ) a finance charge is the sum of all charges so I can't be penalized for something paid in full. Also 15 the U.S code 1681 a ( 2 ) ( A ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also under 15 U.S. Code 1681b ( A ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2021-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I normally don't do this I'm very patient person however I have had it up to here with Bank of America I discovered my XXXX  benefits were being stolen and immediately canceled my card and filed a Bank of America claim. The rep was able to recognize transactions dating back to XX/XX/XXXX from my account, clearly while I was out of state and states I have never been to. They issued a replacement card which was also closed an could not be activated. I could not recieve my XXXX. 

I received a letter dated XX/XX/XXXX that I would be reimbursed the related fees. ( WHICH I HAVE NOT BEEN ... NOT EVEN THE TEMPORARY CREDIT THEY STATED WAS APPLIED ) The amount was {$430.00}. Also wondering will they reimburse the last pandemic payment of {$300.00} I was unable to recieve due to my account being frozen. 
For a total of XXXX. 

I have been calling regularly especially it was close to XXXX and my vehicle had been totaled. I needed my funds. And nothing just the run around an 10 day wait after 10 day wait. An conviently the government ran out. Meaning sorry even if it was fixed I couldn't get any money back because there wasn't any until the new bill passed. And they XXXX  me out of the additional {$300.00} that was allotted. 

Holidays past I keep calling. They said it's XXXX  fault ... call them. XXXX  says BOA fault ... I call them back an forth for weeks. I eventually three way call with XXXX  and BOA so we can stop the back and forth BOA hangs up on XXXX  2x after over 2hr hold. We continued to get bounced around for 4hrs. They transfer myself and the XXXX  rep after we requested not to be transfered an to speak to supervisor back to XXXX an hung up. 

XXXX  sent 3 identity verifications to support who I was for BOA to open my account XX/XX/XXXX. It took them until this week XX/XX/XXXX and my funds are still not available. I need my money. I spoke to rep and supervisor of BOA an there nothing they can do my claim was closed when the account closed. They have to put in a new request an they apologize temporary credit was not sent because claim closed. So once again I get NO date for my funds, I miss out on the additional {$300.00}, an they don't know when I will recieve my funds. But " oh please rest assured we are working on this very quickly we just can't say when ''. 
So now I'm public asking because I'm not the only one Bank of America when do our claim funds arrive???
Consumer complaint received 2020-06-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Credit Bureaus refuse to remove or verify an incorrect collection that is not mine. XXXX  XXXX in the amount of XXXX . This account is violating the FCRA laws. Needs to be removed
Consumer complaint received 2020-01-13
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. (MO)

My identity has been compromised and I'm asking for a full investigation into these unauthorized and unknown accounts that's reporting on my credit file. 

1 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX  2 ) XXXX XXXX   XXXX XXXX 3 ) XXXX XXXX {$300.00} 4 ) XXXX  XXXX XXXX {$160.00} 5 ) XXXX  XXXX XXXX {$400.00}
Consumer complaint received 2022-10-10
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: Bread Financial Holdings, Inc. (CA)

I have a torrid credit card with commenity bank. Although I've been making on time payments and dropped my usage significantly on my account, they have no reported any of it to the credit bureaus. The high usage is no longer correct and is affecting my score when I'm trying to get approval for a home loan. It's been over 4 months since the last time the updated my account. I won't get any clear answers from the bank
Consumer complaint received 2022-07-22
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without a written consent.
Consumer complaint received 2020-07-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc. (GA)

I canceled my insurance policy with XXXX XXXX in XX/XX/2020. I asked the representative to confirm the actual amount due and send me the final bill. That never happened, although XXXX XXXX states that several e-mails and letters were sent. I never received emails or letters from XXXX XXXX regarding an amount due. Today I received a letter from CCS, a collection agency, stating that I owe {$350.00}. I am concerned that XXXX XXXX has sent this information to the credit agencies and if they have this is unethical and reckless. As stated I never received any communications about the final bill other than the conversation with the representative when I canceled the policy in XX/XX/2020. At that time I asked her to confirm. I have attempted to contact CCS about this issue because I wanted to stress my concerns about this information being submitted to the credit bureau agencies.
Consumer complaint received 2022-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NV)

WELLS FARGO AS CONFIRMED WITH XXXX XXXX XXXX XXXX  NEVADA ASK A LAWYER PROGRAM HAS A HORRIBLE REPUTATION IN ABUSE TO CONSUMERS & NEITHER THE COURTS, LEGAL AID ENTITIES, DISABILITY ENTITIES, GOVERNMENT, CIVIL LEADERS OR POLITICAL PARTIES SEEK TO REVERSE THIS ABUSE. 
FOR NEARLY 4 YEARS WELLS FARGO HAS BEEN TOLD THAT THEY ACQUIRED A MORTGAGE FROM XXXX XXXX. THAT WAS INVOLVED WITH A STRUCTURALLY DEFECTIVE PROPERTY ( XXXX XXXX ) THAT WAS REPORTED PRIOR TO EITHER XXXX FLORIDA OR XXXX NEVADA WHERE XXXX & XXXX DEATHS OCCURED. 
WELLS FARGO CONTINUED TO ABUSE THIS MTG. WITH CLAIMS OF ESCROW SHORTAGES WITH A FALSE NARRATIVE OF SLIDING NUMBERS THAT IS NOT SUPPORTED BY FACTS. 
THE MOST CURRENT FACTS IS THAT XXXX XXXX XXXX PROPERTY THAT SHOULD BE DEMOLISH WITH A DISCOUNT THAT WELLS WILL AVOID OBSERVING. THIS DISCOUNT SHOULD RESULT IN A RETROACTIVE DISCOUNT & REFUND IN ALL ESRCOW CATAGORIES FROM VALUE TO TAXES, TO COST OF INSURANCE -- -- -- -- -- -- -- RESULTING IN A HEAVTY REFUND DATING BACK TO 2018 WHEN THE DAMAGE WAS 1ST REPORTED WELLS FARGO PAYS OUT XXXX XXXX ( SEE ATTACHED ) FOR EVICTIONS TO AVOID COURT " OFF THE BACK OF OTHERS '' BUT FORCE OTHERS TO FILE LITIGATION THAT WELLS FARGO SHOULD PURSUE IN BEING FALSELY SOLD A DEFECTIVE PROPERTY. DISCLOSURE LAWS WHERE NOT PROPERLY ENFORCED FROM XXXX TO WELLS. PLEASE REVIEW ATTACHED -TO INLCUDE DISCOUNT STATEMENT FROM XXXX XXXX XXXX 
THIS INCREASE ANNOUNCED BY WELLS SHOULD BE STAY -BUT ALSO REVOACTIVELY CHANGE BACK TO WHEN THEY ACQUIRED THE MORTGAGE FROM XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS FAILED TO PROVIDE PROPER COVERAGE OF A CLAIM FILED.
Consumer complaint received 2022-04-20
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. (UT)

SOMEONE RENTED A APARTMENT IN MY GOOD NAME USING MY ID FRAUDULENTLY, FTC REPORT ATTACHED. AT XXXX XXXX XXXX XXXX XXXX XXXX