davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

I requested verification since XX/XX/2021 of this alleged debt that this company claimed I owe which they reported on my credit files. However, XXXX failed to obtain the legal verification as required by law and did not send it to me. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that you electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.
Consumer complaint received 2019-08-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

HSBC has a webpage advertising their premier checking account at https://www.us.hsbc.comXXXXXXXXIt advertises in large text at the top "No Fees" with no qualifiers.However, buried in the fine print is a $XXXX/month "monthly maintenance fee" and a $XXXX   "legal papers" fee.See Page 3 of the advertisement (attached PDF) for the "No Fees" text, and the separate T&C (also attached) for the other fees.
Consumer complaint received 2022-08-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

On XX/XX/2022, LoanCare, XXXX XXXX XXXX made me aware that my loan modification/loss mitigation package was incomplete vial postal mail. I turned in XXXX new modification packages on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2022, to attempt to correct this issue. ( I have certified mail receipt numbers as evidence of these XXXX loss mitigation packages ). I kept sending new loss mitigation packages because they would not respond to me to let me know if it was incomplete, approved, or denied. Instead, I received their lawsuit XX/XX/2022, against me. 

The evidence attached is ALL the postal correspondence I have had with LoanCare and XXXX XXXX ; None of these correspondences was replied to including the Loan Modification Applications/ Loss Mitigation packages sent on XX/XX/XXXX and XX/XX/XXXX. 

( The other correspondence included is a part of a separate complaint, in which the mortgage company and the representing attorney have not responded to requests for loan information that should be provided according to TILA, RESPA and FDCPA statues. )
Consumer complaint received 2022-08-17
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: EQUIFAX, INC. (TX)

Today when I checked my credit report file, Equifax has lowered my score XXXX points after illegally filing disputes that I never discussed or filed with Equifax. I reported Equifax violations against me in regards to the FCRA and they have retaliated against me. 
I have not had a conversation with anyone from Equifax since XX/XX/2022 pertaining to unauthorized accounts on my credit report. The rep removed the accounts after verifying CFPB, ftc, and police reports. I also disputed an incorrect address that was removed. 
Equifax is intentionally trying to harm me and my credit file/ score for reporting the violations.
Consumer complaint received 2019-08-21
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: Bread Financial Holdings, Inc. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting, regarding the entry being reported ( Victorias Secret Angel Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX You have not only violated Federal Law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a serious error in your reporting. ( Victorias Secret Angel Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office should you continue in your noncompliance. I further remind you that, as in XXXX vs. XXXX   XXXX XXXX XXXX ( XXXX. Cal.XX/XX/XXXX ), you may be liable for your willful non-compliance. Since you have violated Federal Law, by not properly investigating within the required time frame, and you must now remove the item. Any other action or inaction on your part may result in a small claims action against your company, seeking {$1000.00} per violation for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act.

CC : Consumer Financial Protection Bureau CC : Federal Trade Commission XXXX XXXX
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I was denied credit for due to a collections account that was removed from my credit record. 

Any collections that appeared on your report in the last 24 months are considered derogatory regardless of whether they were yours or not - XXXX representative I believe this is illegal. Not sure if am filling the complaint with the right agency though.
Consumer complaint received 2022-09-16
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and
Consumer complaint received 2022-02-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

Regarding complain no XXXX Paypal told me to release the funds on XX/XX/2021, but they haven't yet released my funds and are not giving me any update on my funds. I am stuck and need help from the consumer financial protection bureau. 

Atleast PayPal should give me a date when they will be able to allow me to withdraw the funds. 

This is the last warning I am giving to PayPal else I am a tech guy and I know How to pull money out of PayPal illegally later I wont be responsible for paypals deed Its been approx 400 days and PayPal is XXXX.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (IL)

On XX/XX/2022, I mailed Discover Bank XXXX money orders. Because Discover is an online bank, I could not deposit the money orders through the online/mobile app, but rather had to mail them for processing. Prior to mailing the money orders certified, I called Discover XXXX times to ensure that I was properly mailing the money orders to the correct po box . The USPS tracking indicates that the money orders were received on XX/XX/2022 ; however, after an investigation, Discover informed me yesterday that it never received the money orders. Further, Discover 's USPS representative stated that it does not know what happened to the money orders that were mailed via certified mail. The supervisor did not offer any options to make me whole. However, she did apologize for any inconvenience. That same day, I opened an investigation with the USPS XXXX XXXX XXXX.
Consumer complaint received 2019-07-06
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. (FL)

In XX/XX/2014 my wife and I were mugged. We were leaving the mall and a guy ran up behind us and told us to hand over all of our bags. He took my wallet, my wife 's purse, and all the shopping bags we had in our hands. We filed a police report with the mall security but because it was so long ago we can not obtain a copy.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I received an offer in the mail from citibank. They offered {$1500.00} for opening a checking account and depositing at least {$200000.00}. I opened an account at the local branch in XXXX XXXX. I deposited more than {$200000.00}. Also signed up for electronic statements. Now almost a year later I have not received any bonus. I am unable to get through with anyone on the phone. In an online chat they said I would receive it in XXXX XXXX. That did not happen.
Consumer complaint received 2022-05-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OPTUM BANK, INC. (TX)

I submitted a previous complaint about Optum Bank making it difficult to close their HSA account. They responded quickly after the complaint was submitted and transferred the HSA funds to my new HSA provider, XXXX. However, they have used ACH instead of electronic wire or physical check. XXXX can not receive the funds through ACH due to tax implications. Optum did not follow the delivery instructions given to them by XXXX  
The level of incompetency at Optum Bank is unmatched. This issue needs to be resolved. However, when I reached out to Optum Bank, they did not resolve the issue and only said that a case has been opened with no resolution in sight.
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (FL)

When going to purchase a product on the XXXX XXXX XXXX ( both in the XXXX  web browser and their XXXX XXXX XXXX XXXX the option to checkout with monthly installments was unable to be found. This is a well advertised feature for the Apple Card, allowing you to do monthly installments for purchases of XXXX XXXX products, but when checking out with Apple Pay or by going through a regular checkout process in the XXXX  page and the XXXX XXXX XXXX, the only option available was to pay in full. Their own website states all you have to do is click the pay in monthly installments button and youre good to go, but that is not true as it was nowhere to be found.
Consumer complaint received 2019-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTECH DIVERSIFIED, INC. (TX)

Was this contact made in person? Can you verify it was me? I do not go to XXXX. I have a XXXX XXXX  through XXXX. You may have spoken with someone but it was not me. I would not consent to treatment at XXXX if I was coherent. I'm sorry but I do not owe this debt. I will not be paying for something I have no recollection of. I never disputed it because I never knew about this.
Consumer complaint received 2022-02-04
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXXn cant provide to my XXXX XX/XX/XXXXdaughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-08-17
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: U.S. Auto Sales Inc. (GA)

Per 15 USC 1681G ( A ) 1, 15 USC 1681A ( 1 ), 15 USC 1681 ( A ) D ( 2 ) ( A ) ( I ) : MY RIGHTS HAVE BEEN VIOLATED AND IGNORED! 


I want this auto loan deleted from my credit report immediately. I have asked for about 1 year now for it to be removed. This is does not belong to me. It is fraud. US Auto has yet to provide verification of this alleged debt. I have requested every document they have with my name and social security number attached to be sent to me and they refuse. They have violated my privacy by sharing my personal information with other agencies without my consent, they have damaged my employment and other opportunities to extend credit, committed identity theft against me and did not provide information on how to opt out of third party sharing of my private information. This is a violation of my consumer rights. 

Delete and never repost this account on my consumer reports ever : us auto Do not claim this is not me. I have sent my id attached as well. That is a stall tactic that you use.
Consumer complaint received 2022-02-04
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. (AR)

XXXX XXXX  is continuously reporting DEROGATORY STATUS in regards to my loan UNDER FEDERAL LAW (CARES ACT RULES) I reqested a forbearance  COVID-19 (PRIOR to becoming deliquent ) PLEASE NOTE THERE RESPONSE IN PREVIOUS COMPLAINT A LYE !!! XXXX the time of first complaint NOT OFFERING ME THE FORBEARANCE THEN ALL OF A SUDDEN AFTER MY COMPLAINT THEY WERE FORCED TO COMPLY, ALSO THEY VIOLATE THE GRACE PERIOD XXXX no time was I delinquent when applying for COVID-19 therefore its illegal under Cares Act. THEREFORE THERE NOT REQUIRED TO MAINTAIN A DELINQUENT STATIS "there a lyer)  by federal law required to report as CURRENT, I spoke to there legal department numerous times and they agreed the report was wrong then last week he stated it was not wrong and I hung up in his face, there tactics and damaging my report has acquired much emotional harm as well higher interest rates that creates a hefty penalty/LAW SUIT there wrong reporting dropped my score XXXX points QUITE DAMAGING please note I am a payee on the XXXX XXXX law suit and XXXX has adopted the same practices.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (GA)

In XXXX, I established a XXXX business bank account for my business to professionally accept payments from clients. On XX/XX/XXXX, my first client sent {$2500.00}. I attempted to transfer {$2400.00} to my bank account after the client sent the funds to my Square account, but Square sent me an email stating that they were deactivating my account and putting my funds on hold for 90 days. The first paragraph of the email stated " Were sorry to inform you that weve had to deactivate your account. Based on the information you provided about your business, were not able to support your business needs right now. You wont be able to process payments with Square. Unfortunately, this decision is final. '' I immediately responded to Square with an email asking for clarity and pleading for the immediate release of my funds. I did the same on XXXX. It has been three days, and I have heard nothing. There is no phone number to call and apparently no willingness to help. I was relying on these funds to support my work and my family. Having reviewed online reports of the same experiences with other customers, I have come to the conclusion that Square does this often. I did nothing wrong, and I now have money seized by this company. It's unethical. Where is my money? Why is it being held? No reasonable person would say this is okay.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

XXXX unauthorized charges took place on XX/XX/XXXX, XXXX {$1700.00} and XX/XX/2022, for {$850.00}. A car wash was purchased before the transaction at XXXX XXXX XXXX In XXXX. Citi Bank concluded that it was a valid charge because an authorized car wash was done before an unauthorized transaction at XXXX XXXX, which is located in the same city. When the investigation occurred, Citi Bank credited the account partially. It was never a full temporary refund credited. The entire time this account was open, Citi Bank was aware that the primary card was lost and the secondary card was the only card accessible on the bill. It wasn't a problem because the secondary card was ordered to help the authorized user establish credit. Citi Bank was also informed about a recent identity theft my family and I encountered. Citi Bank claims that they spoke to me about the investigation and that all phone calls are recorded. I would like for it to be forwarded to me as I would like to review it. As I mentioned to them, the car wash was authorized purchased, not enterprise. It was also said that I had done business with the merchant. I have attached the XXXX XXXX XXXX XXXX call and procedures about payment authorization. There was never a contract between myself or an authorized user on my account with the customer or XXXX. We have asked for a proper investigation of both XXXX and Citi Bank. XXXX stated they don't have any information for me or an authorized user in their system. Citi Bank HAS FAILED TO DO AN PROPER AND ACCURATE INVESTIGATION. IF CITI BANK FAILS TO COMPLY OR CONTINUES WITH INACCURATE INFORMATION, WE ARE CONTACTING THE STATE ATTORNEY 'S OFFICES
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (TX)

I have been applying for XXXX XXXX for the last XXXX months. But I have been having serious issues since XX/XX/2021. They have denied for only one reason, over and over again that " We're unable to verify your identity ''. In XX/XX/2021, I called them and they to check with XXXX  regarding my identity. I called XXXX and they said that everything ( Name, email, address, SSN, etc. ) matched and they sent a green check mark to XXXX XXXX XXXX XXXX XXXX Then XXXX said please reapply, there's nothing much we can do and this is what hurt me most, " You can reapply as many times as you want because it doesn't impact your XXXX XXXX until you're approved and accept the card. I applied again and again but declined for same reason and got same reply to reapply. 

They also asked me check if my driver 's license picture was blurry when I uploaded. I told them I scanned it under my printer 's scanner, so there was no chance of it being blurry. 

On XX/XX/XXXX, I reapplied again, rejected for same reason, and was tired now. I called them and told them to either approve me or tell me what they are not able to verify ( SSN, phone number, Name, address or whatever ) but they aren't telling me the reason only. They said they are escalating it to the UnderRiding department, and 20 days later, I called why I didn't receive the call in 7 days, they said it went to wrong department, so the other department just deleted that record. I was like whatttt!!!!! You ( a multi-billion dollar valuation company ) are saying my case went to wrong department and wasted my 20 days. This is just not acceptable at an international level from a billion-dollar company. This time they again begged me to reapply, and guess what, I reapplied in early XXXX and got rejected for same reason and this time, I couldn't bear it. I shouted if they don't give me the reason, I will complain to federal department. They said " This time, it's going to correct UnderRiding department as I am giving you a case number ( XXXX ) which is the confirmation of it '' I received a call 10 days later, in early XXXX stating something that made me write this complain " We can't do much on our end, we don't know what's wrong, please reapply, there's no other option ''. Like seriously? People who have access to my application and my credit report and everything can't figure out what's wrong and if nothing 's wrong, can't approve me? This is ridiculous.