davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (AK)

My XXXX-year old godmother opened a joint account with me for the purpose of saving money for her funeral. ( I have accepted responsibility for planning her funeral when the time comes. ) She deposited a total of $ 14,000+ in the account and the funds sat there untouched for several years. In the summer of XXXX, an individual presented the bank with a Power of Attorney purportedly signed by my godmother. In fact, the PoA was never notarized by the signature purporting to be hers. Further investigation by the local law enforcement agency shows that the supposed Notary Public does not even exist. 
The bank was careless in accepting the PoA. The bank was careless in not noticing the account being totally drained in a 2-month period after having sat inactive for many years. This was a total disservice and disservice to an elderly person. 

The local law enforcement agency is actively investigating this matter but we do not expect to ever be able to recoup the money from the man who stole it. 

I have written to HSBC in XX/XX/XXXX and asked them to restore the missing money. The bank has ignored my complaint and request. 

The bank has possession of my original letter, the Power of Attorney and all the monthly banking statements showing the activity on this savings account.
Consumer complaint received 2018-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

A Credit account or consumer loan account showed up on my credit report from Bank of America. I asked them to look up this account and they showed no record of this account from my social security number. 

I have never had a Bank of America Credit Card nor took out a loan. 

I have contacted XXXX, XXXX and XXXX, answered questions and filled out forms but no resolution. The name on the account i my Ex-Wife. We have been divorced for years prior to this account showing up. 

Please help me remove this as it is having major adverse effects on my credit.
Consumer complaint received 2018-01-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (CA)

Midwest Recovery Systems appeared on my credit report on XX/XX/XXXX and I reached out to them via email on XX/XX/XXXXto dispute the validity of this account. I had not taken but any payday loans in the last four years and also knew that I had dealt with some companies who were not abiding by CA law. I forwarded the Desist and Refrain Order from the California Dept of Business Oversight showing that any payday loans issued to residents in CA were null and void. They have yet to acknowledge any of my emails ( followups sent on XX/XX/XXXX and XX/XX/XXXX) so I called. A call center rep said that that order had no bearing on their collection since their client, XXXX XXXX, had purchased the debt. My argument was the original debt was made null and void so their collection was invalid. Nothing came of that call and I ended. I reached out to the California Dept of Business Oversight and they forwarded my request to your oce. All I am asking is for this to be removed from credit reports. XXXX has removed it and it is under investigation with XXXX. On XX/XX/XXXX, I received a fresh alert that it had been reported to XXXX which I have since challenged. I thought this had been previously reported to the CFPB but when I checkeed for status, it does not send me login information.

On XX/XX/XXXX, I mailed a certified letter requesting debt validation. It is currently in route and is attached to this complaint.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX, On all of my credit reports my creditors are reporting my actual payments. I have gone there for 1.5 yrs begging them to audit my acct. I have a truck loan their and it is a open ended loan. My Payments have gone from XXXX a month to XXXX and I stopped making my payments because I had been trying to buid my credit and it wasn't going Up. They have had bounty hunters call and harass me. They threatened to put warrents out for my arrest. Mocking my name. I disputed them with XXXX XXXX XXXX. They asked for documentation for the proof of my payments and they couldn't or wouldn't provide any. All three bureaus removed them from my credit report. I went to traded in the vehicle and I have a car with XXXX XXXX me to credit union as well. XXXX XXXX XXXX kept canceling and reinstating my policy and the craving is new about it before I did. They forced CPI insurance of {$4000.00} a piece making the vehicles close to XXXX to XXXX upside down. I want to XXXX XXXX in XXXX Texas and found a truck that had a net positive equity to eat at the negative equity that they placed on it. I asked him to finance it traded into vehicles only having one payment neither one with finace. I got three or four letters from lenders telling me that if I wanted to know why I was turned down to write them so I did. Their answer was XXXX for did not complete my application process. I had left XXXX XXXX XXXX going to XXXX XXXX XXXX XXXX XXXX last year I was going about twice a week for an entire year back-and-forth. The finance lady XXXX upstairs bedroom credit union called me and I told her that I was to be trading in those vehicles not giving them back and leaving XXXX XXXX XXXX XXXX XXXX I had to stop for gas. Are used my doubts credit Union debit card and it was declined. I called them and said why is the declined I have many in there she said that they had taken all the money out of my account and apply it towards the truck. I said I'm at a gas station with no gas she said let me ask my supervisor if I can pay {$25.00} back on your card so you can get gas. She came back and said that it had been approved but they had to cancel my debit card so there was no gas and I was approved. I have an attorney and we serve them in XXXX a few days later with a freeze on Equifax and fraud alerts other bureaus my alerts said that XXXX got a crazy exes my credit report and when XXXX  had to verify my identity. My address was their address XXXX XXXX XXXX, XXXX, TX with my new address and I did my home for 10 years.
Consumer complaint received 2023-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX Creditor Company Sold Account Type Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collection account. {$570.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$570.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid XXXX Monthly Payment Past Due Amount {$570.00} Original Balance {$510.00} Terms XXXX Month Responsibility Individual I have never been to this facility Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My rights to privacy are violated I didnt not agree to this collector to solicit my personal information to an third party collection agency My XXXX XXXX  rights have been violated as well This debt was then charged and written off taxes purposes by XXXX XXXX XXXX Systems Then XXXX sold to and paid by XXXX XXXX without my consent
Consumer complaint received 2018-05-21
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. (LA)

Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hindering me from gaining employment, and getting financed for housing and an automobile. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. 

Equifax is reporting a large amount of erroneous credit inquiry information from multiple consumers. I did not authorize these inquires. These consumers did not have my approval when processing a credit check. This information is negatively affecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelihood.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (FL)

The following records are have been recorded and disseminated wrongfully. 
LexisNexis failed to dispute XXXX XXXX 's information which is incorrect and incomplete. The company continues to collect and disseminate ambiguous and questionable information that is designed to discriminate and deny consumer coverage as deceptive business practice. As such it should be investigated for the legitimacy and ethics of its services as it is only benefiting corporations and not fairly services consumers. 

As stated previously road side assistance which is part of the policy benefit is NOT related to driving and is NOT considered a claim and is NOT relevant to the driving record just as XX/XX/XXXX ( Catastrophic ) due to natural disasters such as IRMA. Are impacts from natural disasters supposed to penalize consumers? 


XX/XX/XXXXclaim has been updated as NOT at fault. This is not correctly recorded. 
XX/XX/XXXX ( Towing/Labor ) - Valid claim, accurately reported and should not be removed. XX/XX/XXXX ( Towing/Labor ) - Valid claim, accurately reported and should not be removed. XX/XX/XXXX ( Catastrophic ) Valid claim, accurately reported and should not be removed. XX/XX/XXXX ( Towing/Labor ) - Valid claim, accurately reported and should not be removed.
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

I opened a XXXX XXXX card with Chase which gives you a {$300.00} travel credit every year. I spend over {$100.00} on a ticket to Florida and thought that chase would automatically credit it back on my account. Chase recently closed down my account for unknown reasons ( a compliant for another time ) and I called them to see what happened with my travel credit that I never received. They said they will refund me but when the representative tried to process it the system would not let as it was past 4 months claim time and my account is closed they cant give me the one time waiver. First of all they closed my account and second of all they should still be able to give the waiver.
Consumer complaint received 2018-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Between XX/XX/XXXX and XX/XX/XXXX I opened an account with Bank Of America. I made a check deposit and it didnt clear. They reported that information as a Suspected Fraud Activity on XXXX   XXXX showing an open balance of {$490.00} and now I am not able to open an account which I really need to manage my business. I never tried to commit fraud to Bank Of America. This was not fair.
Consumer complaint received 2018-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Genesis Credit Management, LLC (MT)

In both XX/XX/XXXX and XX/XX/XXXX my husband and I bought new vehicles. Both times at financing we were informed that my husband had better credit than me, so we did the financing in his name only. In XX/XX/XXXX, out of concern for what was on my reports I pulled my credit and found that XXXX XXXX XXXX reported that I had a debt of {$650.00} that I owed from XX/XX/XXXX and that I paid this debt in a settlement for less than the actual amount of what was owed to them and it shows as an adverse account on mine and y husbands XXXX credit reports. XXXX XXXX XXXX was a collection agency that I worked for doing collections in my home. When I no longer was working for them in XX/XX/XXXX they sued me and my husband for {$650.00} for the used computer and monitor. My husband NEVER worked for them at any time. My husband and I appeared in court XX/XX/XXXX XXXX Civil and Small Claims, the case was dismissed with prejudice. Their attorney, XXXX XXXX, took possession of the computer in the courtroom in front of the judge and court clerk. On XX/XX/XXXX XXXX XXXX XXXX XXXX reported a debt onto my credit report and my husbands XXXX credit report 13 days AFTER their attorney was in possession of the computer and monitor and after the courts dismissal with prejudice. They created a debt by using my date of hire, fake DOBs, my husbands name is misspelled, in order to generate this debt. I have worked since XX/XX/XXXX trying to get this off of our credit. We've consulted an attorney, filed complaints with the XXXX and the Attorney General, and disputed the debt with XXXX. The WA state Dept of Licensing said that XXXX XXXX XXXX dissolved at the end of XXXX and that XXXX XXXX assumed assets and liabilities. This is fraud and many laws were broken by the very collection agency that I worked for as a way to retaliate against me for quitting. XXXX XXXX XXXX is now DBA Genesis Credit Management , LLC, located in XXXX WA and they have learned a really good shell game of dissolve and assume a new name. But if a collection agency can do this to a former employee can you imagine what they can do to a debtor or a consumer that has no idea what to do or where to turn to protect their rights?
Consumer complaint received 2018-01-24
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: ERC (FL)

I had a discrepancy on my report 2 times by XXXX. I stated it was n't mine and it was removed both times. Now it has shown up for a third time on XX/XX/18 for around {$1300.00}. This is not my debt but it keeps showing up after it 's been challenged and removed two times and has shown up for a third. This has damaged my credit severely and I want it to stop.
Consumer complaint received 2018-05-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (CO)

I have had numerour overdraft feesassesed to my account. i have overdrawn my account with knowledge that I am going to be penalized with a {$37.00} overdraft fee. I get that. However, there are transactions that are in pending status that have been charged to my account and funds are available. It is NOT the customer 's responsibility to process the payment. It is the merchant that has not posted the payment or I do not know what the problem is here. TCF bank had entered into a Class Action Lawsuit as they charge their customers these ridiculous fees. This is a scheme ran by a financial institution that does not care about their customers finances. light has to be brought top this issue.I have submitted a complaint against this company before. The issue continues to occur. It is overwhelming to go buy groceries and not have funds available and have to put all the food back with XXXX small kids watching! I have contacted TCF Bank I requested to speak to a Supervisor three times and i am placed on hold for a long time. I requested a call from a Supervisor and no one called back. Pending transactions are not due to overdrafting!!! I should not be charged an overdraft fee for " pending transactions. ''
Consumer complaint received 2018-05-21
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. (DE)

XXXX XXXX/ XXXX hard inquire with Equifax XX/XX/XXXX, do not have any knowledge of this or previous hard inquires on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 0r XX/XX/XXXX. Note : I checked other such complaints with XXXX XXXX  and it seems to be an on going issue, but only to the people affected.
Consumer complaint received 2018-03-06
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX  to ask NMAC ( credit reporting company ) to promptly delete their 2 unauthorized inquiries ( dates : XX/XX/XXXX & XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that these 2 unauthorized inquiries that are associated with NMAC ( Nissan Motor Acceptance Corporation ) are still currently reporting on my XXXX credit file. Moreover, on XX/XX/XXXX, NMAC has sent me a written letter in which they responded to my CFPB complaint. This NMAC letter, which is also uploaded into this CFPB complaint file, has shown that NMAC is unwilling to take the appropriate actions that are necessary to promptly resolve my recent CFPB complaint. This letter has also shown that NMAC has ultimately decided to NOT take any responsibility for their improper actions and has therefore chosen to dishonestly place the blame on an " unknown '' or " phantom '' Nissan dealership yet my credit report clearly shows that this NMAC organization is the " only '' agency that is fraudulently reporting 2 inquiries on my credit file which are on the 2 dates of  XX/XX/XXXX and XX/XX/XXXX. Ultimately, an uploaded copy of my XXXX credit report will corroborate this fact and it will also show that NMAC is " complicit '' in their corrupt and unlawful tampering of my credit report.
Consumer complaint received 2024-08-29
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. (NY)

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 2018-03-06
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: Experian Information Solutions Inc. (IN)

I have called Experian for the past 6 days XX/XX/18-XX/XX/18 multiple times per day to cancel my membership. The wait times are 2 hours plus and once you get through the call disconnects. There seems to be no way to cancel my membership unless I cancel my credit card. Cancelling and opening a new credit card reflect negatively on your credit report. This company is supposed to help with your credit but instead hurts it.
Consumer complaint received 2018-01-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NY)

I 'd like to use my TD Bank account with 3rd party services. I 've tried using 2 different accounts and 2 different routing numbers. Unfortunately, their support says that all they see on their end is the time I tried using the wrong routing number and does not offer any helpful information as to why nothing else works.
Consumer complaint received 2020-08-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc. (OH)

Please provide Validation of Debt, Assignment of Debt, Method of Verification used. I will also send this request through the CFPB as I did not receive a notice in the mail to dispute this debt. 

THE BUREAUS INC # XXXX
Consumer complaint received 2018-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (CA)

Dear Sir, I am a customer of Citibank ( checking XXXX ) and I desired to make a private investment to a counter-party from such checking account. 
The investment agreement required me to have paid by XX/XX/XXXX and included a {$500.00} late-payment penalty if my funds were not available to the counter-party by such date. 
I triggered a check payment onXX/XX/XXXX through the citibank portal, and, given that my checking account had ample funding for the transaction ( and continued to have ample funding throughout ), the Citi-portal issued the corresponding check. 
The check arrived at the counter-party XX/XX/XXXX. With the check-arrival confirmed and ample funds in my bank I left for an extended trip into the XXXX region in XXXX, where I was offline for 10 days. 
The counter-party managed to cash the check, however, the debit to her account was immediately reversed by Citi 's internal fraud department, who suddenly, without any reason to do, decided that this was an unusual transaction and that they needed to speak to me on the phone to confirm 10 (! ) days after the check was issues through the citi portal, and one day after it was deposited by counter-party. 
As I was offline citibank could not reach me an called back the funds. 
As a consequence defaulted on the contract and had to pay {$500.00}. I have been in many many correspondences with Citi to reclaim the  {$500.00} without avail. 
My complaint is as follows : When issuing a check from a funded account I need to be able to rely on citibank making the payment. If there are doubts in citibank 's fraud department then those need to be addressed as the check is issued - not 10 days later when the check is cashed. 
Citi needs to own its mistake and make me whole.

To be very honest - with the time and effort I have investment to this date I feel {$1000.00} is more appropriate at this stage, as Citi is now  delinquent for 18 months. 
Best regards, XXXX XXXX
Consumer complaint received 2018-01-24
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: Bread Financial Holdings, Inc. (AZ)

1. Hard inquiry from XXXX XXXX on XX/XX/XXXX that I did n't know about. 
2. Hard inquiry from XXXX/over onXX/XX/XXXX, that I did n't know about. 
3. Hard inquiry from XXXX on XX/XX/XXXX, that I did n't know about. 
5. Hard inquiry from XXXX on XX/XX/XXXX that I did n't know about.
Consumer complaint received 2018-01-24
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: CITIZENS FINANCIAL GROUP, INC. (AZ)

1. Hard inquiry from Citizens Bank on XX/XX/XXXX, that I didn't know about. 
2. Hard inquiry from XXXX/XXXXr on XX/XX/XXXX, that I didn't know about. 
3. Hard inquiry from XXXX on XX/XX/XXXX, that I didn't know about. 
5. Hard inquiry from XXXX on XX/XX/XXXX that I didn't know about.