davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

I opened a HSBC Choice checking account in early XXXX of XXXX. HSBC was running a promotion then that they are still running now ( from their offer terms and conditions ) : " HSBC Choice Checking {$200.00} Welcome Deposit : For this offer, New Money33 is required. HSBC reserves the right to change or terminate this offer at its sole discretion. For purposes of determining whether you have maintained the Qualifying Balance for the Welcome Deposit, a New Money average balance will be calculated by averaging the end of day balances of each Business Day throughout the total offer period. 

Your HSBC Choice Checking account must be open and in good standing at time of gift fulfillment. Limit one Welcome Deposit per customer, including all individual and joint accounts - the first line name on the joint account is considered the customer for gift purposes. The Welcome Deposit to your HSBC Choice Checking account will be reported on the applicable IRS form. Eligible customers who take advantage of this offer can not receive any other New Consumer Deposit Offers provided by HSBC Bank USA, N.A. New Consumer Deposit Offers are defined as  incentives in a form of merchandise and/or cash bonus that are offered to customers who open an eligible checking account and satisfy qualifying activities. '' It is now XX/XX/XXXX and I have both maintained a {$1500.00} balance AND a recurring direct deposit from my employer since the account was opened. However, HSBC is refusing to apply the {$200.00} reward. From their customer service agents, I have received 3 different reasons : 1. The first agent said I do qualify, but would have to wait another 4-6 weeks ( this was in XXXX ). 
2. After still not receiving it, the second agent said I did not receive the reward because my balance was only {$250.00}. This agent was looking at my credit card account, not my checking. When I corrected them, they pivoted and said my account would need to be reviewed. 
3. The agent I spoke with today said that I did not receive the reward because I already had a HSBC credit card which disqualified me from the reward. 

Regarding # 3, here are HSBC 's terms on existing customers : " This offer is available only online for applications completed using the Apply now button on this webpage. You must be at least 18 years of age, have a Social Security Number, currently have a U.S. residential address and have had U.S. residency for the past three years to apply for a deposit account online. Customers who held an HSBC consumer deposit or investment account from XX/XX/XXXX through and including XX/XX/XXXX are not eligible for this offer. All qualifying activities must be completed within the stated time frames in order to be eligible for the Welcome Deposit. '' I did not have a deposit or investment account, I had a credit card account. Again, HSBC is changing the rules as they go along to avoid payment of a simple and straightforward new account reward.
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

Over XXXX years ago I used my Capital One credit card to receive a cash advance of {$1000.00} ( as I remember it ) in order to pay my home owners insurance for XXXX year ( this was necessary in order to refinance the mortgage on our home ) The credit card company treats cash advances differently than purchases and the cash advance rate is higher than the rate for purchases. Though I've been faithfully making credit card payments, my credit card company is still charging the monthly interest on the loan of {$1000.00}! I was told by the bank that the only way to stop the interest charges would be to pay what's left on the principle of the loan which was still over {$900.00} ( the last time I checked ) This is outrageous and completely unfair! I always pay more than the minimum on my card but so little of that extra money gets applied to the principle of cash advanced that I am essentially doomed to pay on that loan for the next 20 years or so and end up paying thousands of dollars more than the original {$1000.00} cash advance.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST MERCHANTS CORPORATION (IN)

Earlier this year, around XXXX I believe, my husband ( soon to be ex-husband ) went to First Merchants Bank and had my name removed from both our joint checking and savings accounts. When I found out and called and questioned the bank about this procedure they told me that they could do that. I then took it upon myself to research the matter further and determined that the accounts should have been closed and reopened under his name, but that they can not take my name off of the account without my written permission. I called back and informed them that they could not do what they did legally. They did not correct the situation. I have been humiliated and embarrassed several times now as when I have gone to the bank to deposit his check and and take money from the deposit as he instructed only to be told that they can not give me the money because my name was not on the account, even though I provided them with my ID and my name should not have been removed from the account. I have had to change my accounts that were being directly withdrawn and been very inconvenienced. I feel that this is a great injustice that they have done, let alone a very scary that someone can just go and take all of your money and take your name off of your accounts. I feel that the bank not only had a liability to notify me, which they did not. Please do not let this happen to anyone else. There should be someone protecting the consumer from them doing what they have done!!
Consumer complaint received 2023-08-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Well I noticed lot problem miss spell name other account list as decide I'm correct address that I never lived just lot puble goes up credit without consent just not safe any more got me on here not me only see my address other Miss spelling I was not born XX/XX/XXXXthat person is dead I was born XXXX XXXX XXXX XX/XX/XXXX please fix all error
Consumer complaint received 2018-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (DC)

XXXX called me out of the blue on XX/XX/XXXX about an amount supposedly owed to an ER doctor in XXXX XXXX, Rhode Island. I had already received an EOB from my insurance company saying that I owed nothing. I asked the person on the phone to send me a copy of the bill which they never did. I continue to received daily robotic phone calls from all different numbers. I have spoken again to my insurance company and they say I don't owe anything and if this company sends a bill to forward it to my insurance company.
Consumer complaint received 2024-10-02
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (OH)

The loan was co-signed by a ex-fiance (, XXXX ). i paid it down toXXXX. because he helped with other expenses.I fell at work, which caused significant back damage. wasn't paid anything for a year.0ne Main Financial advisor did some adjustment a couple ( 4-6 m ) I paid close toXXXX, but bill stayed the same XXXX meanwhile put XXXX into vehicle due vandalism done by XXXX ex-fianc..I 'm afraid to charge him in civil court. 
My request to loan company is to take ex-fiance off the loan as co-signer. Broken up since XX/XX/2021. There are companies that help me pay the loan but XXXX XXXX want to charge me {$500.00}. to take XXXX off as co-signer. At this time I owe 34 more paymentsXXXX on $ XXXX.on Social security. I need help. The last payment i paid {$100.00}. of XXXX only {$.00} went to the principal.
Consumer complaint received 2019-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Upon calling today to verify a fee reversal that could not take place until a merchant refunded funds ; I spoke with an agent who alleged i could not get any fee reversals for courtesy and that a supervisor would be calling to check the call i made when i spoke with a representative and then calling me back in an hour. The supervisor never called back and finally I went into a branch to address the issue and at the time i was able to call in and have the customer service people fix the issue. I got a call appx XXXX XXXX. from some XXXX rude lady who claimed to me a supervisor from XXXX who pretty much accused me of lying and begin to rant at me. When I asked her what her name was she refused to give me her name and told me since I didnt want her to help me she just flat out was going to give her name to me as she claimed to be a supervisor, I informed her that I would be closing the account as so I would not have to deal with this type of issue again. She made up some rule that i could not have any fee credits for the rest of the year. she was the XXXX  most incompetent horrible person I've ever had to deal with from fifth third bank. I will be closing this account as soon as the last two transactions on this account post hopefully by tomorrow. Ridiculous XXXX customer service from a representative at number XXXX.
Consumer complaint received 2018-12-12
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: EQUIFAX, INC. (AL)

XXXX Account Number XXXX. This is not my account as I have never had an account with XXXX and I have informed all parties reporting this.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

ACCORDING TO 15 US 1681 THIS UNATHORIZED ENTITY USED MY INFORMATION WITHOUT MY COSENT AND WISH TO HAVE INQUIRES REMOVED FROM MY CREDIT REPORT
Consumer complaint received 2023-08-17
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. (VA)

The company in dispute is XXXX. My loan through them started at {$2500.00}. I have never been late, and payments automatically come out of our account every two weeks. XXXX will not update my account with the credit reporting agencies. My current balance is {$1500.00}. XXXX keeps reporting that Im at or over my credit limit. Thats nearly a {$1000.00} difference and I want it fixed asap, because its not helping my credit with their false balances.
Consumer complaint received 2019-02-12
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. (LA)

I filed a identity theft, report # XXXX and did a certified mailing to TransUnion, XXXX and XXXX. The following items are still showing on my credit report : XXXX XXXX, for {$15000.00} XXXX ( auto loan ) and XXXX XXXX for $ XXXX balance ( credit card ). I also have hard inquires remaining on my credit report. Originally there was 31 inquires and now 9 still remain. ( which are not my inquires and are unauthorized, either verbally or in writing. These inquires are as follows : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX and ( 2 )  XXXX XXXX. 

The FCRA, clearly states that, if I am a victim of identity theft and file the proper report and submit the documentation to the credit ( which I filed the report on a Federal level and will attach a copy of the certified report ). 

The credit bureaus have 5 business days to remove these items, from my credit file, per the FCRA and it has been two months and the credit bureaus have yet to remove these items as well as these unauthorized inquires. I have submitted two identity theft report, with various items as the items became known to me and have yet to have these last items addressed. I have been shopping for a home and these items are causing me financial harm, as I am unable to receive a home loan as long as these items remain on m, y credit report. 

In addition, I have a credit account from XXXX XXXX XXXX, which was reported to TrasnUnion and as of this date, They have yet to reflect the credit account on my credit report.
Consumer complaint received 2023-08-24
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. (TX)

I recently sent a dispute on XX/XX/XXXX for a charge off / collection account from XXXX showing on my credit report & an additional XXXX account with 1 30 day late payment reporting.

As a result of this dispute, 2 positive lines that were not disputed has been removed. Was my investigation properly done? 
I am showing all accounts from XXXX have the same account number, but different histories. 

The accounts that were deleted and not disputed by me were a {$1000.00} unsecured loan opened XX/XX/XXXX, & another {$1200.00} unsecured loan opened XX/XX/XXXX. 
The actual accounts disputed were a {$1200.00} unsecured loan opened XX/XX/XXXX & {$500.00} account ( they arent even reporting what type of account, ) opened XX/XX/XXXX. 
All of these accounts share the account number XXXX. It is clear the the investigation done by the CRAs and XXXX was not done properly. 

How can something like this happen? I directly disputed negative information I believe is inaccurate, and my positive lines were deleted as a result. These positive lines were accounts that were not even included in my dispute letter. This investigation was clearly not done properly. 

In addition, I am showing said negative accounts are showing as " Account Not Disputed '' based on your most recent reporting as a credit bureau despite my previous attempt on XX/XX/XXXX to verify. 

This is this a MAJOR violation in reporting according to the FCRA and consumer rights of accurate reporting to my credit report. 
As a result of the negligence of your investigation not being done properly & the proper attempt I have made to ensure my information is being accurately reported, please delete these inaccurate negative accounts immediately as you have violated my rights & the Fair Credit Reporting Act.
Consumer complaint received 2023-08-17
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: Experian Information Solutions 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 2024-10-14
Product: Credit reporting 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. (MD)

I am writing to formally request the immediate removal of multiple unauthorized inquiries from my credit report. As outlined in the Fair Credit Reporting Act ( FCRA ), a consumer report may only be accessed with a permissible purpose, as stipulated by 15 U.S.C. 1681b. This statute requires that credit inquiries be based on legitimate grounds such as consumer authorization, a court order, or a transaction initiated by the consumer.

Upon review of my credit report, I identified numerous inquiries that I did not authorize and that do not meet the permissible purposes defined by the FCRA. Furthermore, 15 U.S.C. 1681e ( b ) obliges credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. Additionally, 15 U.S.C. 1681s-2 ( a ) and ( b ) holds information providers responsible for reporting accurate information and not furnishing details if they have reasonable cause to believe the information may be inaccurate. 

Given these legal requirements, I request that the following unauthorized inquiries be immediately deleted from my credit report : Unauthorized Inquiries to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized by me, and no permissible purpose exists for these entities to access my credit report. Therefore, I request the immediate removal of these inquiries from my credit report and that you provide a written confirmation once they have been deleted. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me should you require further information.
Consumer complaint received 2023-08-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Cars-N-Credit Finance, Inc. (MN)

I have a car loan with Cars-N-Credit of XXXX XXXX MN . They excessively call and text from a variety of phone numbers to collect when I am only a day or two late or have made arrangements with them because my pay date changed. Once payment is made they find other reasons to call me such as wanting my job information, asking me to submit pay stubs, or they will ask me to update my insurance information with them when it has not changed. I've told them to NOT call or text me while I am at work but they continue obsessively, if I am not a day late on a payment and they can not contact me about that, they contact me about something else. If I don't answer a call, they text, if I don't answer those, they email me multiple times every day. then they will leave notes on my car! when I am only 2-3 days late! I simply change playdates ( temporarily ) and they KNOW this.
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: Experian Information Solutions Inc. (MN)

in accordance with the fair credit reporting act XXXX  accountant # XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a accountant with out my written instructions
Consumer complaint received 2023-08-17
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX  XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$670.00} XX/XX/XXXX 2020