davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

My wife and I have a checking ( current ) bank account with the HSBC in XXXX XXXX. We are XXXX citizens. This account has been operated by us for the last 8 + years and never had a problem. The reason for having the account was to receive monies from tenants occupying our property and of whom live in the US. In XXXX one female tenant ran into rent arrears to a total of XXXX USD. She was given an account of the arrears prior to this and eventually on XX/XX/XXXXafter many texts to her and receiving her admission to pay same she paid that sum in 3 transactions= XXXX & XXXX USD onXX/XX/XXXX to complete the transaction. Two and a half months later, on XX/XX/XXXX, she drew the money from our account and had it returned to her bank thXXXX XXXX XXXX XXXX. She did this by presenting a Letter of Indemnity through the XXXX XXXX XXXX to the HSBC 'ACH ' department of which automatically returned the sum which was legally ours and not hers. The HSBC never contacted us to check with us and my efforts to achieve some form of explanation and apology have fallen on deaf ears. After many telephone calls from the XXXX to the HSBC being passed from 'pillar to post ' along with recorded calls we eventually spoke to a Relationship Manager who identified with us that the HSBC should have contacted us and he stated he would escalate the complaint. We have heard absolutely nothing and the person has failed to answer our emails. This is unprofessional conduct. Quite simply we would like that XXXXUSD compensated for in full due to negligence on the part of the HSBC along with compensation for all the distress and grief we have been put to. We want to know what the policy of the HSBC is in such circumstances and whether that has been breached. This is of major importance to every HSBC account holder in the US. The HSBC XXXX stated that it was their policy to always contact the account holder before releasing monies and their belief was that not only is it logical and common sense to do so but that the HSBC US would have to do the same. If not, then every account holder in the US should be informed of this anomaly in which case your money is not safe with the HSBC. We ask that we be fully refunded and compensated for all this trouble we have had to go to. Should this occur it will be the end of the  matter.
Consumer complaint received 2018-01-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc. (MS)

Gatestone is repeatedly calling from different numbers, never leaves a voicemail and has n't sent anything to me via postal mail to let me know what business they allegedly have with me. They call from a XXXX number but the last four digits are always different. They 're doing this to evade their numbers being blocked.
Consumer complaint received 2017-06-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Main Street Personal Finance (VA)

I had applied for a home loan and found out there was a default judgement issued against me back in 2010 from XXXX XXXX XXXX.When I called the court I was told where they posted my court notice and I did not even live at that address which I can prove. The company is now out of business so I can not take court action against them for this.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've recently received a copy of my credit report and noticed several in accuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is an account reporting on my credit report that i have requested to be deleted by the XXXX XXXX XXXX in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. Please see attached creditor response.
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

My bank confirmed that CoinBase withdrew funds from my bank account via wire transaction. The deposit has not shown up on my account and is 3 week late from the stated deposit date and 4 weeks late from transaction date. CoinBase has told me multiple times that a wire transaction may take 3-10 days to process but a month is too long and worrying. My bank also stated it was a transaction and not a transfer - Trans. Description : XXXX. My CoinBase Reference code : XXXX for the transaction. 

Date : XXXX/XXXX/XXXX @ XXXX XXXX PST Amount XXXX ETH @ {$460.00} per ETH. 
Fee {$7.00} Subtotal {$490.00} Total {$500.00}. 

I sent in 3 emails, support requests and feedback but have not received anything but automated responses for the last 2 weeks. I have also called and have not been able to resolve the problem through their customer support.
Consumer complaint received 2018-03-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (VA)

THIS IS NOT A DUPLICATE. After first dispute, company sent me a bill verifying a debt owned to XXXX. Sending a bill does not validate that I owe XXXX XXXX anything. I do not have a signed contract between myself and XXXX XXXX. I have a right to be provided with proof of a signed contract or I would like the debt removed from my credit report.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I have consistently informed you about inaccuracies in my credit report, which persist in violation of Metro2 standards. Despite previous notifications, these errors persist, adversely affecting my credit profile. I demand prompt corrective measures to rectify these inaccuracies to avoid further harm and adhere to the Fair Credit Reporting Act ( FCRA ). Failure to promptly address this matter may lead to legal action, including arbitration. Your immediate attention to this issue is crucial.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have written to Experian, XXXX, and XXXX, providing all 3 credit bureaus with an update of my personal information -- -correct name -- - XXXX XXXX XXXX XXXX XXXX -and correct address XXXX XXXX XXXX XXXX. # XXXX, XXXX, AZ XXXX. 

I have also instructed the same bureaus to delete any other addresses appearing on my credit report as these are incorrect and potentially make me liable for fraud. XXXX and XXXX ignored my request entirely ; and Experian stated that they would place a fraud notice on my account, when deleting all incorrect addresses and name variations would be sufficient. 

Additionally, I have provided sufficient identifying information -- - a CURRENT driver license -- - and a copy of my social security card.
Consumer complaint received 2018-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (IL)

I opened up my card credit card over a month ago. When I opened it up online and got accepted they sent me an online version of my card with the card number saying I could use my card without having the actual card delivered to me yet. So I gave my card information to the XXXX XXXX  I am going to and they charged me {$500.00} on my card. As soon as they charged me, care credit locked my account. I cant even access it online to make payments. They are saying I have to send my license and proof of where I live. And that itll take about 3 weeks. Which is ridiculous because I need to make a payment on my card. I have a paperless account so I cant even see how much I owe and I dont want to give my account information to my bank over the phone Id rather do it online. I dont understand why my card is locked when they said I could use it right away without having the actual card
Consumer complaint received 2018-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XXXX XXXX I received my annual credit report from Transunion credit reporting agency. My report showed two items that I had no knowledge of. Both of these items were from XXXX XXXX. I called XXXX on XXXX to report that these items on my report were not mine and I had no knowledge of until I received my credit report. The person I talked to promised to have these items removed from my credit report within 7 days. I also called Transunion on XXXX XXXX, I talked to XXXX and advised him that the two delinquent items from XXXX were not mine. He said he would check with XXXX. Transunion subsequently sent paperwork that stated these items were verified as accurate. I called XXXX again on XXXX XXXX, XXXX. I talked to XXXX. She promised to have these items removed within seven days from XXXX XXXX. A few days later I called XXXX again and talked to XXXX. She said she could n't help me and sent me to XXXX who said I would have to talk to XXXX. XXXX said that all I could do was file a police report. I asked if he had a supervisor or boss. He said he did, and I asked to talk to his supervisor. XXXX hung up on me. 
I have been a XXXX customer since XXXX. I have never been late with a monthly payment. 
On XXXX XXXX, XXXX, I went to the sheriffs office in XXXX, Washington. I talked to XXXX XXXX XXXX. I gave all the information and paper work I had to XXXX XXXX. The results of the XXXX XXXX Sheriffs is included with my report. 

XXXX XXXX
Consumer complaint received 2018-01-04
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: Experian Information Solutions Inc. (MI)

Experian stated from previous dispute X/X/2018 that majority of the accounts that I stated are not mine, provided proof they were not mine, Experian is saying they were verified. There is no way that the accounts could be verified as mine because I was the victim of identity theft. Experian deleted four accounts on that ground but want to validate the others. Experian is in complete violation of protecting my private information that I did n't give them permission to share in the first place. Also, because Experian falsely reporting on my credit, failed to follow reasonable procedures, and failed to conduct reasonable reinvestigation with respect to the inaccurate credit information. I contacted the Court about the false bankruptcies and they stated that Experian did not contact them concerning the Bankruptcies falsely reporting on my credit report. So, Experian must have verified false information with a third party which is also a violation for misrepresenting to me that you contacted the actual creditor when you did not.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Consumer complaint received 2018-01-04
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: Midwest Recovery Systems (VA)

Around Fall of XXXX, I received a collection call from a company I never heard of nor ever did business with : XXXX. Then I started receiving demand letters about a loan they made online and sent to a bank ( XXXX ) where I 've never had any type of account ever. I never received a monthly statement, an email or any communication but allegedly " my account '' was months over due. I told them it was not me, I did not know them and never made any online or other loan. They passed me to their fraud department at XXXX. They never sent me any documentation about the alleged loan, like signature or application papers or dates as required by FDCA law but ultimately stopped calling. 

Then later in XXXX they sold ( I guess ) their junk paper to XXXX XXXX XXXX  without disclosing the identity fraud and XXXX XXXX XXXX starting to harass me. This time, as suggested, I filed a criminal complaint with local police and the Federal ITVA ( Identify Theft Victim 's Complaint and Affidavit. I also put fraud alerts with all major credit reporting agencies. This info was made known to XXXX and they stopped calling. 

Now, it appears XXXX XXXX XXXX has sold their junk paper again without disclosing that it was a fraudulent loan and Midwest Recovery started calling. After telling them the story and asking for documents, it reply is maliciously placed derogatory information into my credit report showing this is under currently collection.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

2nd request* I the consumer declare that in XX/XX/XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed there were many accounts and hard inquiries I did not open or recognize and did not authorize and origination dates that are clearly erroneous. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission since XX/XX/XXXX to XX/XX/XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.
Consumer complaint received 2018-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CT)

I submitted a request to my mortgage company, Freedom Mortgage, XXXX, TX. That request was submitted on XX/XX/XXXX and I asked that they pay my property taxes from escrow prior to XX/XX/XXXX. They never responded to that request which was sent via email and they confirmed receipt of that request. When I called Freedom to follow up, they explained that they could not pay my taxes prior to XX/XX/XXXX due to CFPB regulations ( that was statement was made within a recorded phone call with me ). I stated that this seemed very odd given that the property taxes were due prior to XX/XX/XXXX but 30 days of grace are provided for payment. I would like to know if CFPB does in fact have a policy that would disallow Freedom from fulfilling my request. If a CFPD policy to this effect does not exist, I would like to file a complaint against Freedom for deceptive and misleading practices. Thank you for your assistance.
Consumer complaint received 2018-01-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: ALLY FINANCIAL INC. (AZ)

In regards to our loan with Ally Bank and serviced by XXXX XXXX, we were approved for a short sale in XX/XX/XXXX. This was after one year of multiple submissions of paperwork and then the need to escalate to the President 's Office at XXXX XXXX to gain final approval. 

For the record, on multiple occasions and even after escalation, the Real Estate Agent representing the property struggled with XXXX XXXX to provide up to date and accurate information. Specifically, and on more than one occasion, the Real Estate Agent was denied access to the loan information even though approval had been provided formally by the property owners with the submission of necessary paperwork to allow access. And, while the President 's office was responsive to our needs the " left hand did not know what the right hand was doing '' and the communication was lacking and in some cases contradictory, i.e., the information provided by the Customer Service Department and the President 's Office was not the same. 

Specifically, as an example of the lack of accurate and necessary communication, on XX/XX/XXXX and XX/XX/XXXX, the representing Real Estate Agent spoke with both the Customer Service Department and the President 's Office at XXXX XXXX and was not informed that the approval for short sale had expired on XX/XX/XXXX. 

In regards to this, the policy automatically becomes foreclosure 14 days from the expiration of the short sale approval. While the representing Real state Agent was able to garner a 1 week extension they were still not informed, in any conversations on XX/XX/XXXX or XX/XX/XXXX, the short sale approval had expired. Their was no specific reason provided as to the reason the property was going into foreclosure. 

To summarize our position, if XXXX XXXX had informed the Real Estate Agent that the short sale had expired, the necessary paperwork for resumption of the short sale could have been provided and the automatic 14 day foreclosure policy would not have come into play. 

Finally, we have provided to Ally Bank through XXXX XXXX a legitimate sale offer but Ally Bank not understanding the issues with XXXX XXXX has refused to rescind the date of auction. 

In the end, we are asking Ally Bank to rescind the foreclosure and to remove the property from auction on XX/XX/XXXX and to consider the sale offer. 

Thank you for your consideration.
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

Good afternoon, My name is XXXX XXXX XXXX I am having a huge issue with PayPal and I beg for your help. 
A few months ago I had a event in XXXX Florida, my family XXXX XXXX and local XXXX to XXXX. My sales rep. displayed our XXXX at a Golf Event and sold 5 XXXX. Not being familiar with PayPal as I usually use XXXX, I asked PayPal if It were ok for us to invoice and deliver XXXX. I was told yes and that I was covered and protected. I emailed a invoice to each of the buyers, from what I am finding out all of them know each other and from the looks of things are scamming me. Invoice was notated XXXX were delivered and non refundable. 

We sent the buyers each a invoice. 
Invoices : 1. Invoice # XXXX XX/XX/XXXX, XXXX XXXX. Sent a {$4000.00} USD invoice to XXXX. 

XXXX. XXXX # XXXX XX/XX/XXXX, XXXX XXXX. Sent a {$4000.00} USD invoice to XXXX. 

3 Invoice # XXXX XX/XX/XXXX, XXXX XXXX Sent a {$4500.00} USD invoice to XXXX 

4. Invoice # XXXX XX/XX/XXXX, XXXX XXXX. Sent a {$3000.00} USD invoice to XXXX. 

5. Invoice # XXXX XX/XX/XXXX, XXXX XXXX Sent a {$4100.00} USD Invoice to  XXXX. 

All buyers paid for the XXXX and weeks later started reporting the transactions as unauthorized. After speaking to PayPal on several occasions I was told not to worry that would not let this happen to me and the investigation could take up to 6 months. 

On 2 different occasions when these buyers reported transactions unauthorized, I called PayPal and both reps immediately put my account to a positive balance instead of negative again saying they would not let the buyers get away with this. 

Not even a month went by and PayPal decided on the buyers side and started refunding these people there money back. Leaving me without my XXXX and a extraodinary negative balance on PayPal. I am concerned about this as I take care of my credit and have never had a issue before with a negative balance anywhere. I hope CFPB can help me with this matter as I have already consulted a attorney and this is extremely expensive. 

Thank You
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX and a mortgage was fraudulent taken out in my name when I was XXXX  years old. In XXXX my grandmother was battle XXXX XXXX XXXX XXXX, and signed the deed of our family home which was paid for in XXXX to me in XXXX. My grandmother XXXX to her XXXX in XXXX.In XXXX a second mortgage was taken out on the home by XXXX XXXX XXXX owned by XXXX XXXX. At the time I was XXXX years old. To produce this FHA Mortgage fraudulent pay stubs, XXXX, and identification was submitted to open the mortgage. In XXXX XXXX. XXXX was convicted on 180 counts of massive mortgage fraud. Borrowing others identities and producing documents the same way he had done me.In XXXX the Mortgage was purchased by XXXX  XXXX without investigating the origination. In XXXX  the home went into foreclosure. XXXX XXXX tried to force me into a modification although the mortgage was fraudulent. After submitting a fraud packet, verification of birth, social security number, state identification, and school records; XXXX XXXX determined the mortgage was valid; despite the fact the name, Birthday, and documentation are incorrect and are perusing a sale on XX/XX/XXXX.I have attached supporting documents as well.