davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-02
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. (AL)

THIS IS MY SECOND TIME REACHING OUT TO THE BUREAUS. THESE ACCOUNTS ARE FRAUDULENT. I AM A VICTIM OF IDENTITY THEFT. I DIDNT AUTHORIZE THESE ACCOUNTS AND THEY ARE VIOLATING MY RIGHTS ACCORDING TO THE FDCPA. THE CREDIT REPORTING AGENCY CONTINUES TO VIOLATE MY RIGHTS ACCORDING TO 15 USC 1692. " ANY BAD DEBTS FURNISHED ON YOUR REPORT IS RUINING MY REPUTATION AND ITS DEFAMATION OF CHARACTER '' I AM REQUESTING THAT THE CREDIT REPORTING AGENCIES STOP REPORTING THESE FRAUDULENT INQUIRES AND VIOLATING MY RIGHTS ACCORDING TO THE 15 USC 1692.
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

5/3 Bank ( Construction to Permanent loan ). 

During the construction loan period ( interest only payments ), 3 of the monthly payments included additional funds to be applied toward principal reduction. 

XX/XX/XXXX : {$1500.00} additional XX/XX/XXXX : {$1000.00} additional XX/XX/XXXX : {$1000.00} additional Original loan balance was XXXX. Per XX/XX/XXXX Screenshot of 5/3 mobile banking, principal amount due was {$540000.00} ( see attached ) -XX/XX/2020 the loan transitioned from construction to permanent as the house was completed. At that point a new statement was issue showing outstanding principal balance of XXXX ( original loan balance, extra pmts toward principal reduction were not accounted for ). 

Basically when loan transitioned from construction to permanent, principal balance did not account for {$3500.00} in principal reduction payments applied during XXXX-XXXX-XXXX. 


-XX/XX/20 I called 5/3 customer service line and talked to CSR XXXX , who confirmed extra payments for principal reduction were received in the aforementioned dates. I asked for a statement in writing showing the application of the extra pmts toward principal reduction, and what I received was the latest statement with wrong principal balance due. 

As of XX/XX/2020, email was sent to CSR that I have been in touch with, and loan officer who helped us at the beginning. The outstanding principal balance is XXXX as I already made first permanent loan payment that included XXXX toward principal. 

Today XX/XX/2020 I called gain and left a voice mail for the same individual
Consumer complaint received 2020-12-02
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: HSBC NORTH AMERICA HOLDINGS INC. (OH)

On XX/XX/XXXX I purchased a pre-order of {$2400.00} ofXX/XX/XXXX XXXX XX/XX/XXXX fromXX/XX/XXXX XX/XX/XXXX using my HSBC Credit Card. 

The delivery date was to be XX/XX/XXXX. Between those two dates XX/XX/XXXX went out of business and stopped responding to my e-mails. I never received the goods I Initiated a dispute with my Credit Card holder, HSBC USA, on or about the middle of XX/XX/XXXX. 

In mid-XX/XX/XXXX I moved and I immediately changed my address with HSBCXX/XX/XXXXon XX/XX/XXXX. 

On XX/XX/XXXX HSBC sent me a letter to my previous address denying the chargeback, because the merchant had provided a record of the transaction. The letter gave me until XX/XX/XXXX to respond. The merchant did not provide proof of shipment. 

Due to HSBC using a previous address I received the letter on XX/XX/XXXX at my new address. 

I immediately called HSBC upon receipt of the letter, on the XXXX. HSBC said that the dispute department was not taking calls and that I needed to e-mail them. I e-mailed them and have heard nothing back. When I contacted them via twitter they stated they they respond to all e-mails within two business days. Today is the 4th business day. 

HSBC is failing to respond to fairly basic dispute. The merchant is out of business and is unable to provide the goods ordered. HSBC is refusing to honor its agreement to process the chargeback.
Consumer complaint received 2020-12-02
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: Experian Information Solutions Inc. (CA)

XXXX XXXX was asked for varification which I never received. Experian said it was verified with all the errors on report. Experian saw dates were off balance study collecting interest. A collection shall not collect late fees once it hits credit report. Experian mostly at fault due to not investigating correctly.
Consumer complaint received 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Under my TransUnion File # XXXX I disputed Bankruptcy Docket # XXXX and # XXXX and # XXXX ; asked TransUnion to verify these 100 % as mine.. because they are not mine. TransUnion responded back on 2 occasions, XXXX stating they verified this through XXXX, third party and The XXXX Court. This is an absolute lie and a falsehood because you can clearly see XXXX could not verify this and had to delete them because they are not mine. The court says they in no way verify this because Judges have certain restrictions. I want this false information deleted asap
Consumer complaint received 2022-01-13
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. (NY)

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.
Consumer complaint received 2020-12-02
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: GOLDMAN SACHS BANK USA (CA)

I purchased items on XX/XX/2020 online with XXXX XXXX. Merchant stated item would be sent out within a week. Cancellation can be requested if they do not ship out within 25 days. On XX/XX/2020 I emailed merchant requesting cancellation since 25 days had elapsed. They did not respond or acknowledge my request for cancellation. On XX/XX/2020 the items were received by me, which I did not want at that time. I emailed merchant, again no reply. I contacted Apple Card to open a dispute, and Apple Card told me that they would not open a dispute unless I send the merchandise back. So on XX/XX/2020 I sent the items back to the merchant, and they were received on XX/XX/2020. At this point Apple Card was investigating my dispute, but 2 months later aided with the merchant with the decision that I had made the purchase. I reopened my dispute, stating I had cancelled my order, returned the merchandise per Apple Cards guideline for opening a dispute, and at this point I just want me money back. Per the merchants website, refunds are not given unless the stated shipping time has elapsed ( 25 days ) or you have received the product ( which was almost 2 months ). Also per their website, they wont refund purchase unless its within 30 days, which is completely ridiculous since they dont plan on sending merchandise until at least 25 days after order date. I have already filed a complaint with the New York XXXX against this company, and last I checked their website is no longer active. Apple Card has repeatedly sided with the merchant, refusing to acknowledge the deceptive shipping/refund policy of the vender, as well as the fact that I tried in good faith to cancel my order per the websites stated shipping policy. Instead, Apple Card insists I made the purchase, and they also insisted I return the merchandise before they would even consider opening a claim for my dispute. So I feel like Im being mislead and treated unfairly. Im tired of dealing with this matter and having the same decision even though I have returned the merchandise and tried to work within all stated policies.
Consumer complaint received 2022-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2020-12-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NJ)

I have a lot of problems with my Ally Account. Ally claims that I owe them currently an overdue amount of {$1600.00} for missing only one month of payment. My monthly payment is {$620.00}. I pay through my XXXX Checking account, in which this account has been previously blocked by Ally to make payments to. It took me months to get through to clear that up due to unprofessional representatives and unknowledgeable representatives. I am currently on hold making my last attempt at speaking to a representative to come to some resolution on my car payment. They post all over the place that if a person needs help due to circumstances like reduced pay, which is my current situation. I have asked for loan refinance and loan extension, I am told by representatives that there are no options for me. This is HIGHLY DISCRIMINITIVE AND IMMORAL BUSINESS PRACTICES. Please investigate and help.
Consumer complaint received 2020-12-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc. (KS)

XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, ( XXXX ) XXXX ) referred me to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AL XXXX ) in XX/XX/XXXX over a {$600.00} medical bill. This bill is supposedly for services rendered in XX/XX/XXXX. 

However, I never received a bill from anyone not on the date of service, and certainly not over the last year. I am XXXX XXXX military, and obviously move routinely. It appears XXXX may have been sending all my personal information to an old address that someone else now has. Neither company can explain to me what the bill is for. 

Thank you, CFPB, for the great work you do.
Consumer complaint received 2022-06-20
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. (NC)

In accordance with the fair credit reporting act XXXX  Accounts XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX 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. States a consumer reporting agency can not furnish a account without my my written instructions.
Consumer complaint received 2021-04-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (NY)

On XX/XX/2021 I called Hyundai Motor Finance to transfer my title held by them from XXXX to XXXX. They sent me an email to respond to with the documents the need to send to XXXX. XXXX gives me 30 days to register my vehicle after moving. On XX/XX/2021 I went to the DMV to see if they received the documentation from Hyundai Motor Finance and they did not have it. I then called Hyundai Motor Finance and they had no record of my transfer request and they could not contact anyone in their title department to find the request. They told me to resubmit the request which could take another 15 business days to process. There was no one I could escalate to that could contact the title department to fix the issue with their process. This is unacceptable as my insurance called me to end my policy since my car is registered in a state I don't live in. My registration also expires on XX/XX/2021 which I am unable to renew since I no longer live in XXXX. Now because Hyundai Motor Finance dropped the ball I am unable to drive my family 's only car.
Consumer complaint received 2021-08-23
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated/ incorrect under 609 or HIPPA, or can not be verified. as is my right, I am requesting verification of the following items. 

ACCOUNT NAME : XXXX XXXX XXXX NUMBER : XXXX AMMOUNT {$590.00} Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Please send me proof my signature otherwise remove this account from my credit report. I request that all future correspondence be done through email.
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IA)

I got a Serve Debit Card. I had it registered and I loaded the card with {$500.00} at a XXXX. I tryed the card three times and it didn't work. I believe the company is American Express.
Consumer complaint received 2021-06-02
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: TD BANK US HOLDING COMPANY (NY)

the following accounts was never authorized to report on my credit, and is hurting me : Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft TARGET/TD Account Number : XXXX This is not mine. 
Identity Theft TARGET/TD Account Number : XXXX This is not mine.
Consumer complaint received 2018-12-15
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. (NY)

The three credit bureaus are reporting seven credit cards in negative status. The negative status is because of charge off. I made agreements with my credit cards to settle the accounts for a lower price and this agreement was turned into an attack to destroy my credit. The biggest issue : this negative reporting is posted in the year XX/XX/XXXX. This is a LIE!!! I was in the hospital in the year XX/XX/XXXX and lived in a shelter in the year XX/XX/XXXX. I never had any credit cards open during this time. These credit bureaus know that they are attacking people. These credit bureaus know that they are falsifying credit information. These credit bureaus know that LIEING that my credit cards became delinquent in the year XX/XX/XXXXwill prevent me from future applications of credit. The credit bureaus reported seven credit cards delinquent in the year XX/XX/XXXX. Why wait so long to report my credit cards. I never had the cards open during this time and all delinquent cards paid in full by XX/XX/XXXX. These bureaus waited until XX/XX/XXXX to report the credit cards. THIS IS EVIDENCE OF AN ATTACK!
Consumer complaint received 2021-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (FL)

Recently it has been brought to my attention that there are 3 items on my XXXX  credit report, which I could not recognize. These accounts are as follows : XXXX - {$240.00} XXXX - {$85.00} XXXX - {$60.00} I have disputed the accounts through Evergreen Professional Recoveries directly on XX/XX/2021 and have requested to validate the debt and send me proof of all statements with original dates and account numbers. I provided them with my current address and additional contact information, and gave them permission to contact me anytime. It has been over a month and I still haven't received anything. I called them on XX/XX/2021 to find out what is going on. I did leave a voice mail. I was also told that I will receive a phone call back from someone who will be able to assist me, and no one called me back. I finally called again and was talking to a person who was working on validating this debt. He was very rude and started yelling at me when I told him that 30 days for validating the debt has passed. He said that they have 30 days to validate the debt, but there is no limit on how long it takes them to send it to me. In addition he said that these are some medical bills which belong to me and that they are waiting for more information to come. I had insurance and am not aware of why any past balances due. This conversation was not professional, I wasn't offered a resolution, no proof and documentations of any kind. The manager claimed the debts were validated yet I hadnt received the documents alleging these are valid debts afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ) within the 30 days window.
Consumer complaint received 2022-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AZ)

On Friday, XX/XX/XXXX, I made a {$250.00} deposit using my Chime debit card to XXXX XXXX XXXX located in XXXX, FL for XXXX on Tuesday, XX/XX/XXXX, with XXXX XXXX XXXX. This deposit was to secure my XXXX date. See email titled Congratulations. 

The total for my procedure was {$8500.00} minus the {$250.00} deposit, leaving me with a balance to pay of {$8200.00}. I also was required to pay {$25.00} for a drug test on my pre-op appointment which would be the day before XXXX. See email titled Congratulations. 

On Monday, XX/XX/XXXX, I paid off the outstanding balance of {$8200.00} using my Chime debit card. See receipt attached with my name as the title. 

On Monday, XX/XX/XXXX, I paid the required {$25.00} drug test. My XXXX was rescheduled from Tuesday, XX/XX/XXXX to Wednesday, XX/XX/XXXX due to a scheduling error with the clinic. See email titled Congratulations that details the drug test cost. 

I arrived for XXXX on Wednesday, XX/XX/XXXX, in which it was then cancelled by the doctor due to a clinic mistake with my medical history. The clinic admitted that it was their mistake and no other doctor at their clinic could perform the XXXX. XXXX XXXX, the XXXX XXXX, facilitied the contact with the Refund Department. See email titled Refund. 

They agreed to a refund in full of the total paid ( {$8500.00} ) with the cancellation contract being void as this was outside of standard procedure. Unfortunately, I received a lot of issues getting a response about my refund from the merchant 's refund department. See all other attached notes. 

I filed a dispute with Chime for all 3 charges on Thursday, XX/XX/XXXX after no contact from the refund department by the time I was told I was to be contacted. Chime gave me a provisional credit only for {$8200.00}. 

On XX/XX/XXXX, Chime ruled in favor of the merchant for the {$250.00} stating that the merchant sent over the voided cancellation contract starting that the deposit was non-refundable. 

On XX/XX/XXXX, Chime ruled in favor of the merchant for the {$8200.00} stating the voided cancellation contract. 

No response has been received on the {$25.00}. 

I followed up multiple times with Chime and requested the documentation that they used to make a decision. I forwarded the emails from the merchant, showing that they had voided the contract and I should be paid in full. I never received services from the merchant and I did not cancel. 

Chime then proceeded to say that I have not provided sufficient evidence, but will not state what else is needed when I have responses from the merchant confirming I am due a refund with their contracts void. Chime states the matter is closed after many emails. Representatives will not talk to me over the phone.
Consumer complaint received 2021-08-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My wife and I have been sending money to XXXX via my brother-in-law to finish a building project we have been working on since XXXX with target date of completion by XX/XX/XXXX. In XXXX XXXX my brother-in-law in was contacted by his bank to confirm he was not defrauding my wife. My brother-in-law confirmed he was helping to handle the building project by organizing and paying the workers. In XXXX XXXX Bank of America reach out to my wife to update her profile to avoid account restrictions. My wife 's account was eventually restricted until she called and confirmed her employment and other personal information. My wife 's full account activities were then restored and we continued sending wire transfers to XXXX via her checking account. 
Then I received a letter dated XXXX XXXX XXXX from Bank of America stating the money market account I share with my wife which has been opened since XXXX will be will be restricted from use in 21 days and closed in 30 days with no reason. I strongly believe this is a result of the legal international wires because there was no reason to close the Savings account which had with hardly any activity. 
I agree that Bank of America has a right to close accounts but I do not agree with Bank of America closing accounts because of international transactions unless they can prove fraud, criminal activity or support for terrorism, this is discriminatory towards foreign nationals. How are foreign nationals suppose to make investments or support their family/community if they are excluded from the banking system?