davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

In XX/XX/2022 I was behind on mortgage due to support payments not received. I called HSBC loss mitigation to explain but they went into pre foreclosure on my home. When I was able to make 4 months payment in XXXX XXXX the bank told me to talk with lawyer they referred the case to .The lawyer then said there was no court date scheduled make payments to bank and provided the totals. I'd sent in money to HSBC for XXXX XXXXXXXX.and they returned it saying it was now {$1600.00} in the interim of waiting for check return I sent {$3800.00} by over night mail to make the total but they wanted the lump sum. I only learned about it prior to mailing. I asked for {$3800.00} to be returned or applied to mortgage. Now I call and email but no one says anything about the XXXX XXXXThey keep telling me check back it can take 30days and further delay to make credit to account. I received a statement not applying the payment and new escrow shortage with late fees. All this red tape delay made a mountain of mess that I was trying to save my home from. The company wasn't trying to work in good faith with me and a representative said they applied my money to lawyer fees. I had no written amount of fees and didn't agree that payment was for such. This has caused stress and put my family in jeopardy, This bank hasn't acknowledged or corrected the payment or emails. Its a deceptive practice to not work with consumer but send letters of having " team support '' .from XXXX at XXXX
Consumer complaint received 2024-01-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (SC)

See attached document. I have no knowledge of this debt there are numerous phone number and different XXXX XXXX accounts where I spoke to the supervisor XXXX and she confirmed and more than likely fradulantn and the emailed that I have no knowledge of this account and she explained who it was from and agreed with me that they have this in collections and is a charge off and had inaccurate information and is a violation of the FCRA
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (FL)

I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2023-11-26
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: Experian Information Solutions Inc. (NV)

I disputed an entry on my credit report with Experian Credit Buearu and uploaded 20+ pages of documentation detailing a seven month effort to validate this entry. 

I reached out to the contact address and email listed ( as I'm XXXX low hearing do don't engage via phone ) and per both Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) this entry should be deleted from my credit report. 

I sent a written and electronic request to the collector and they were unable to respond back with the legal requirements and requested pieces of information. I shared a copy of the letter with the itemized pieces of information I was legally due and wanted to see and they responded they were unable to provide this information. 

I shared this thread and again multiple documents as reference points with Experian and they shared an auto generated template about what their role in the dispute process is and how it's simply to ensure the items the collector has have the same name and contacts on my credit profile. No request for the original creditor, a valid contract between parties, receipt of a debt- as I have documents that I owe no such debt. And then as a collector, authenticity of their authority - their collector 's agent license number, evidence of their legal right to collect in the state of Nevada where I live, and if this is an actual debt, record of the transfer of ownership or receipt of sale of debt. 

Not only was none of this provided, the collector in question provided no method to contest the debt or intake verification that it was not valid. 

I presented all of this to Experian, along with multiple threads and documentation of being a victim XXXX times over of a data leak by XXXX large XXXX XXXX companies and my own personal identity stolen and fraudulent accounts and action taken in my name. 

None of this was handled correctly to remove the entry and now I have been denied housing because of this illegal error and Experian is ( rightfully ) bracing for contact from my legal counsel until this is removed. 

I would love for this complaint to evade that process and for Experian to allow a mediator to help them see this is a failure on their part that need to be rectified immediately, but I also want all consumers to know this is victimization and exploitation by careless process on Experian 's part as well.
Consumer complaint received 2024-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX, at XXXX XXXX, I received a call from someone claiming to be from Chase bank. They explained that a wire transfer was pending and wanted to know if I had authorized this transfer. I immediately hung up and called my bank, Chase. They said there were no pending transfers. They asked if I had the number that had contacted me, and I told them yes and provided the number. The representative told me that this is in fact their fraud department number. I told them I was not authorizing any transfers from my account. They stated they saw no pending transaction. I disconnected with them and about XXXX minutes later the number called me back. At this time, I believed it was truly Chase bank calling be back because the customer service representative from Chase said it was their fraud department, and I took the call. However, this was not Chase Bank calling, as I would find out later. The person on the other line explained that he was from Chase, and he needed me to access my mobile bank app and give him the last two transaction on my account. I did and when I did this, he was somehow able to link into my account through my mobile app. He transferred all my money from 2 accounts into my checking account assuring me this was needed to protect my money, then he put me on hold and never came back to the line. Within a few minutes all of my money was wire transferred out of my account. As soon as I realized all my money had been transferred and was gone, I called Chase they tried to stop the transfer, but they said it was too late. I was in shock and could not believe this had happened. This was my whole life 's savings and every dollar I had. They asked me if I wanted to submit a claim and I said yes. The first question they asked was did I authorize the transfer and I stated I thought the caller was from Chase and was only transferring my money into one account, but I did not authorize a wire transfer. They asked if I had given my password or account information out to anyone, I stated no. He told me my claim was denied. I hung up and went to the bank. The bank teller helped me to change my account numbers. She also spoke to someone from Chase on the phone about this and explained that I did not authorize this transaction. She said they were looking into it and would get back to me. I received notice on XX/XX/XXXX, that my claim was denied because the bank determined I authorized and or benefited from the transaction. They have audio recording of me calling each time asking about the transaction, stating I am not authorizing a transfer, and the representative confirming this was Chase 's fraud department number.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (NJ)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company did not even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices. 

From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit.

I hereby request you to do the below-mentioned thing.

DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you accept my request , I will not escalate this matter to Federal Court, in case, you do not accept the above request a legal action may be taken against your company for compensatory damages.

Thank you for your attention to this matter. 

Sincerely, XXXX : XXXX. 

All Rights reserved without prejudiced
Consumer complaint received 2024-01-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (GA)

I attended XXXX XXXX  and was part of the XXXX et al. v. XXXX XXXX XXXX XXXX lawsuit. The case number is XXXX, and my class member ID is XXXX. I received an email on XX/XX/XXXX stating that the Department of Education has aprroved my claim for discharge of my federal student loans. I was advised that the loans would be discharged within the next 180 days, and that the Department of Education will not continue any collections activity on the loans. However, upon reviewing my credit reports, my balance in XX/XX/XXXX increased from {$75000.00} to {$76000.00}. It has been almost a year and a half since my discharge was approved, and instead of my balance going down as it should since it was discharged, it has increased. I have not received any update as to the status of my discharge or refund, if any. I submitted documentation that my wages were previously garnished by XXXX which caused severe financial distress, and these loans are still continuing to cause financial distress over XXXX  years later.
Consumer complaint received 2024-04-23
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NY)

Discover credit card shows 2 late payments when however there was no late payment and its wrong.

I called them a couple of months ago, and they were rude and no help.by the Fair Credit Reporting - Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit my purpose Thank You
Consumer complaint received 2023-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WY)

I tried to no avail to reach Mohela by phone several times. I've written them multiple times. I asked that my payment be applied to the unsubsidized portion of my student loan. I also indicated this instruction by writing it on the check they cashed. Mohela ignored me.
Consumer complaint received 2024-01-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (MA)

I was lied to when applying for this school they had told me they had a 95 % job placement in your field once you graduate which was a lie. This is the only reason I attended this school and later found that what they had promised was a lie.
Consumer complaint received 2024-01-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Bridgecrest Acceptance Corporation (GA)

Speaking with XXXX she ensured she would send arbitration agreement where I can opt out of a 3rd party getting my information from Bridgecrest. I have never received this agreement and it is illegal for a corporation to give my information to a 3rd party. I asked for the agreement so I can opt out of a 3rd party including anyone looking to take my car having my information and my XXXX. I spoke with XXXX and she said they dont take a special deposit or any other negotiable instrument except federal notes as payment. If they dont take 1099a, special deposit or any other negotiable instrument where I endorse the bill I am asking that they discharge the debt. I am the director and beneficiary of my legal person trust XXXX XXXX and this is how I want to settle this account. I will also make payments with federal notes if they can provide proof that Bridgecrest was not loaning out other peoples money and if they can provide proof that they provided equal consideration in the contract I signed. I have not received any response and I will gladly settle the charges as soon as they provide whats been asked.
Consumer complaint received 2024-01-20
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

I received an Amex gift card on XX/XX/23 and I attempted to make a purchase on either XX/XX/23 or XX/XX/23. If I recall correctly, the websites were XXXX and XXXX. The order was under the card balance of {$200.00}. The first time the order declined I tried a couple other times to see if it was an error on my part ; however, each attempt said the same thing : the order can not go through or my card was declined. I called the number on the card and checked the balance on the Amex website and the card was active and had the full amount on it. The item I need to purchase can only be found online, but Amex gift cards seem to only work in store.
Consumer complaint received 2024-04-23
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. (TX)

I hope this email finds you well. I am writing to follow up on my previous communication regarding the correction of a late open account. This marks the 2nd formal attempt to address this matter. 

As discussed previously, there appears to be an error in the opening date of one of my accounts, which is negatively impacting my credit history. Despite my initial request, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial standing. 

I kindly request that you revisit this issue and take the appropriate steps to rectify the opening date of the account in question. Ensuring the accuracy of my credit report is essential for maintaining my financial integrity. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX XXXX Balance : {$8300.00}.
Consumer complaint received 2023-09-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (TX)

Commencing on or about XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX Bank account to Huntington National Bank at the instructions of the scammers. 

Given that their client, owner of XXXX number XXXX an active participant in the movement of my money, which eventually ended up with the Company, Huntington National Bank have not exercised their duties to identify this suspicions scheme in a timely manner.
Consumer complaint received 2024-01-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc. (MS)

Afterpay only gave a partial adjustment of {$41.00} for Afterpay order XXXX ( XXXX order number XXXX ). I am still owed {$59.00} because my purchase at XXXX was only {$280.00} ( screenshot attached ). I have reached out to Afterpay several times to get the repayment schedule to reflect the true amount of {$280.00}, but it is still showing {$340.00}.
Consumer complaint received 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CLGF Holdco 1, LLC (PA)

I received a statement from Concoria Credit, formerly Genisis Credit regarding my Destiny and Indigo Mastercards. This information advised me of a fee being added onto the card. I called Concoria to discuss and they advised me it was a subscription. These are credit cards not subscriptions. Then I was told it was a reactivation fee. Again they are credit cards so they do not get reactivated. Finally I was told they were membership fees. Typically with memberships, there are benefits for the consumer. The two representatives could not give me one membership benefit to the membership for a credit card. They said the fee gives me access to now 29.9 % credit cards. I requested closing of the accounts only if they could provide credit deletion to not further harm my credit as they have already. This is robbery and taking advantage of people during a vulnerable time of inflation and a crashing economy.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I was sent a brief email that all of my CitiBank accounts would be closed. There was no explanation as to why, and my access to the accounts and cards was suspended as of that day. 

I called immediately and was given no information just told this was happening and there was nothing I could do to stop it. 

I called again XX/XX/XXXX to call. They were unable to tell me why the account was being closed. They told me there was no actions I could do to stop this process or make it happen quicker. I had no access to any of the money in the account or any way to view the accounts. I was told the money would be sent in XXXX days along with a letter explaining why this happened. I explained this was NOT ideal, as I needed the money in the account to live, and couldnt wait XXXX days for it. They were closing my account for no reason with no explanation and I had no access to my money. 

I called again XX/XX/XXXX and was hung up on. This repeated daily. I called at least 6 times requesting information or access to view my accounts to no avail. I was constantly transferred, hung up on, disrespected on the phone. 

In XXXX, I finally received the funds from the closed account. These funds were significantly less than I had been expecting as the account had well over the amount I was paid out. I deserve information on where my missing money went. 

Additionally, no information as to why this happened was provided. I was promised I would receive information on why this closing has happened.