davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I was an account holder with HSBC bank. In XXXX this year, on advice of my customer relationship manager with the bank, I opened a Global Money account that allowed me to transfer USD into XXXX. 

I expressly stated that I will need to wire the XXXX amount to my father at a later date, and she confirmed that will be possible. In XXXX, I have tried to do so, only to be told money can be transferred only to an HSBC account in another country. Otherwise I need to reconvert the money into USD, transfer it back to the normal HSBC account and then transfer into XXXX. 

Therefore, XXXX wanted to charge me triple conversion rate for a simple procedure. 
I refused, stating that I have the promise in writing, and the bank manager escalated my claim - unfortunately HSBC decided that there is no fault of theirs. 


Thee fees incurred were substantial, based on the extra conversion fee XXXX XXXX accounts charge : a difference of {$4600.00}, or 2.8 % of the principal - During that time, EUR lost 0.8 %. Therefore, I lost 2 % on the bank fees ( {$3300.00} ).
Consumer complaint received 2022-01-27
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. (NY)

XXXX XXXX  dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) continues to report duplicate my closed and paid XXXX XXXX XXXX card account monthly to Transunion, XXXX and XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX 
This is an on going issue because the accounts keeps being reported fraudulently. It's bring reported more than once aka duplicated which hinders a fair Chance of increase fico score and financial help from financial institutions and creditors. As a woman of XXXX and over XXXX this is definitely a negative portrayal to be trusted for financial loans and or credit to start a possible business or get a loan to go to law school. These practice hurt and keeps the scores from ever going up. It just keeps fico scores deductimg every month.
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX, I sent the following letter to Citibank. I have not yet received a response and am still being charged fees. I want all these fees refunded and the issue fixed so it does not recur. 
Citibank XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Hello, I am writing because I have been completely unable to get any assistance for my issue by phone or by chat. My accounts are under routing number ( REDACTED ) ( ACCOUNT 1 ) ( checking, ) ( ACCOUNT 2 ) ( savings, ) and ( Account 3 ) ( savings. ) In XXXX, when I opened these accounts in the basic banking package, I was informed that I would pay no monthly fees if I maintained combined balances of {$1500.00} or higher in linked accounts. ( ACCOUNT 3 ) has had over {$2500.00} in it since it was opened. However, on XX/XX/XXXX and on XX/XX/XXXX, account ( ACCOUNT 2 ) was charged {$4.00} for monthly service fees, and on XX/XX/XXXX, account ( ACCOUNT 1 ) was charged {$12.00} for monthly service fees. This most recent charge caused the account to be overdrawn, resulting in an additional {$34.00} fee. None of these fees should have been charged in the first place. In addition, I am quite concerned this scenario may repeat itself in the future. Unless all these fees are removed from my accounts and I receive a guarantee that my accounts are properly linked and such an issue will not recur, I will be closing all my accounts with Citibank and may pursue legal action to cover the {$55.00} I am owed.

Email is the best way to get in touch with me. If necessary, you may also call me at the number above or write back to the address above. 


Sincerely, XXXX XXXX
Consumer complaint received 2017-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Trans Union, XXXX and XXXX all show a bankruptcy on my credit report. This information was obtained by a third party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.
Consumer complaint received 2024-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally address the ongoing issue regarding late open accounts on my credit report and express my frustration with the multiple unsuccessful attempts to have them corrected. Despite numerous efforts on my part, the inaccuracies persist, causing significant distress and damage to my financial standing. 

Since discovering the late open accounts on my credit report, I have diligently followed the prescribed procedures outlined by your agency to rectify these issues. I have submitted formal disputes, provided supporting documentation, and cooperated fully with your investigation process. However, despite my persistent efforts, the inaccuracies remain unresolved. 

The presence of these inaccuracies not only undermines the accuracy and integrity of my credit report but also poses a serious threat to my financial stability. As a responsible consumer, I find it unacceptable to be unfairly penalized for inaccuracies that do not accurately reflect my credit behavior. 

Furthermore, the lack of progress and communication regarding the status of my disputes has further exacerbated my frustration and eroded my trust in your agency. I have not received any updates or explanations regarding the reasons for the repeated failure to correct these inaccuracies, leaving me feeling disregarded and powerless in protecting my financial interests. 

I demand immediate and effective action to thoroughly investigate and rectify these situations by expediting the correction of the late open accounts from my credit report. Additionally, I request transparent communication and regular updates regarding the steps being taken to address these matters. 

Given the urgency of these issues, I urge you to prioritize their resolution and expedite the correction process. Any further delay or lack of communication will compel me to escalate this complaint to relevant regulatory authorities and pursue all available legal remedies to seek redress for the harm caused to my creditworthiness and financial standing. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. Please acknowledge receipt of this complaint and provide assurance that immediate steps will be taken to address my concerns. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$39000.00}.
Consumer complaint received 2022-04-11
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. (WI)

In accordance with the fair credit reporting everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the data last if the open date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S. C 1681 SECTON 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 account without my written instructions.

Also the credit bureaus took more then 30days to complete my investigation here is my certified mail tracking.
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (OR)

My problem is accessibility to my account. 
I am XXXX years old and have been a customer of TD Bank on XXXX XXXX. in XXXX, XXXX  for about 30 years with no problems, but several years ago the bank introduced a new security system and I could not name all 9 addresses where I had lived. I became " Persona non-grata '' ( Suspicious person ) and was blocked from my online account to which my pension came every month. I tried to straighten the situation, but in vain. So I stopped using my online account and used only my debit card to get my pension at ATMs. But recently my debit card was stolen or lost and I can not now get my pension. I tried many times to speak to the Customer services but can not get through them anywhere. 
I lived in XXXX for many years, but then I moved to XXXX to live with my son, at first in XXXX and then in XXXX. My address now is XXXX XXXX XXXX XXXX,. XXXX, XXXX XXXX. I use my son 's Cellphone to call, to receive calls and for verification purposes. I informed TD Bank that I have moved and that my telephone number is XXXX, but when I called the Debit card service, they said that they were forbidden to use that number. Why? Who has the right to block my telephone number, my online account, my access to my pension? I wanted to establish a TD Voice Print, but was not allowed to do it. I am in a vicious circle.. I can not get anywhere with the TD Bank Customer Services. Please, help me. 

Thank you in advance for your help. I hope you will be able to assist me in my desperate situation. 
With best wishes of success in your noble work. 
XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2022-01-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (KS)

XXXX XXXX XXXX XXXX XXXX, which is Subserviced by LoanCare, entered my mortgage into forbearance in early XXXX due to hardships that we were experiencing due to the COVID pandemic. I requested to come out of the forbearance ( terminate forbearance ) over 6 months ago ( XX/XX/XXXX ). We paid 3 months of trial payments and was supposed to be given loan modification documents to sign and get notarized. Since then, LoanCare has purposefully delayed the processing of my loan modification documents. In XX/XX/XXXX, they finally sent the loan modification documents to me at the correct address, but my wifes name was incorrect on the loan modification documents, so we could not process ( notarize ) those documents ( they erroneously used her maiden name ). Since XX/XX/XXXX, we are still waiting for LoanCare to re-send the corrected loan modification documents back to us ( with correct names on documents ). We have spoken with at least 15 different Customer Service representatives on 15 different occasions. All promise to have the corrected documents expedited to us so we can finalize the loan modification and get our mortgage out of a forbearance status. Until this day ( XXXX XX/XX/XXXX ), we are still waiting for LoanCare to send us the correct documents ( its been almost 3 months since the incorrect documents arrived ). Because we have not received the corrected set of documents, we are unable to proceed with finalizing the loan to bring our mortgage loan current. The delays have caused undue hardship and financial damage to our family. We have to relocate to another state and our home still being in a forbearance status is impeding our ability to purchase a new home. In addition, the forbearance remaining in our credit reports is costing us additional money due to increased interest rates on our lines of credit. 

We need LoanCare to overnight mail the corrected set of documents to us so we can sign them and get them notarized ASAP. We asked them to email the documents and we would even print them ourselves, but they refused to email the documents as well. Taking over 6 months to get us out of our forbearance is excessive and giving the appearance of intentional fraudulent activity. Each day that our mortgage remains in a forbearance status, is another day my family is hurt by this company and its excessive delays in processing our loan modification documents.
Consumer complaint received 2019-07-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent a letter about some accounts that they were reporting that was not mine. They Verified as accurate and updated '', but the accounts are not mine. The account on my credit report that I have requested to be deleted 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. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the account that is in error on my credit report. I filed a police report with XXXX county which is included in the Affidavit to get these errors resolve in a timing matter. This mistake is hindering me. Please see attached Identify Theft Affidavit.
Consumer complaint received 2024-03-09
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. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX  ) appropriate proof of the identity of the consumer ; ( XXXX  ) a copy of an identity theft report ; ( XXXX  ) the identification of such information by the consumer; and ( XXXX  ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/
Consumer complaint received 2021-05-17
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I have some errors on my file that I need to have addressed. I have a incorrect name on my credit my name is not XXXX XXXX please delete this name. I do not live at nor have I ever lived at XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX Please delete these unknown numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am Requesting the Removal of Inaccurate Late Payment Entry from Credit Report. Account Number : XXXX In light of these regulations, I request that you take immediate action to rectify this error by removing the inaccurate late payment history entry from my credit report. I emphasize that this request is not made frivolously, but rather in accordance with my rights as outlined by the FCRA. I have enclosed copies of supporting documents [ attached file ] to substantiate my claim of on-time payment. I trust that upon review of this evidence, you will promptly correct the erroneous information on my credit file. Please provide written confirmation once the necessary corrections have been made. Additionally, we request that you furnish my client with a free copy of their updated credit report reflecting the removal of the inaccurate late payment entry. In addition to the inaccurate late payment entry, it has come to our attention that the credit report provided by your agency differs from those provided by other consumer reporting agencies. Such inconsistencies raise concerns regarding the accuracy and reliability of the information being reported by your agency. In light of these legal obligations and discrepancies, I hereby formally request that you take immediate action to rectify the error by removing the inaccurate late payment entry from my client 's credit report. This request is made in accordance with their rights as outlined by the FCRA, and failure to comply may result in further legal action.
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WA)

Hello. 

For context I bank with Chase and my car loan is through XXXX XXXX XXXX. 


Back on XX/XX/XXXX of last year I had a car loan payment for {$540.00} charged to my account. That payment was never received by XXXX XXXX XXXX so it was considered as a missed payment. However, the that payment wasn't immediately returned to my account. It was stuck in limbo somewhere in the middle. I have since payed that so I'm up to date with XXXX XXXX late XXXX XXXX I was talking to multiple companies trying to get this figured out and eventually, after an exhausting process and weeks of waiting, it was resolved and the money was put back into my account Chase alerted my recently that they've completed their research into the claim and they deemed it as valid and yesterday the {$540.00} was taken back out of my account. So once again I'm down that amount without having credit for it as a loan payment. I do not understand how they deemed it valid if reality is the payment was never received by the intended recipient therfore how could it possibly be valid? 

I feel like they've just robbed me and walked away like nothing happened. It's completely ridiculous and confusing. I can't accept losing this much money because the incompetence of the Chase claim process. 

Please help me.
Consumer complaint received 2021-05-17
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I have some errors on my file that I need to have addressed. I have a incorrect name on my credit my name is not XXXX XXXX please delete this name. I do not live at nor have I ever lived at XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX Please delete these unknown numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was notified recently i was being sued for a debt that i do not owe. The debt was origination is from Capital One and was fraudulently opened. The collection company suing me is XXXX XXXX XXXX. 

The original creditor was informed early 2020 that the account was opened fraudulently and should be removed from my credit report. After months of back and forth the creditor agreed to remove the account from my credit report and absolve me of liability. 

I strongly believe XXXX XXXX XXXX and Capital One are attempting to scare me into paying the debt with this small claims suite . They are practicing predatory and illegal debt collection techniques. This should be investigated by the CFPB and appropriate action 's should be taken.
Consumer complaint received 2017-06-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc. (TX)

I have been harassed by AMCOL for a debt that I do not owe. The hospital where I was admitted ( XXXX XXXX, 2015 ) incorrectly coded the visit which caused a rejection by the XXXX XXXX XXXX XXXX. I called XXXX and opened a case number. This was last year. I contacted XXXX XXXX XXXX and they admitted they never sent me a bill or I would have known to dispute the claims. The Doctors at the hospital falsified their reports which has caused all of this in the first place. I never heard back from XXXX XXXX Hospital or XXXX since I contacted them over 6 months ago to try to resolve this issue. I engaged an attorney to get AMCOL to leave me alone, and they would not stop harassing me. I threatened to sue them, and that is when they put this against my credit without resolving it with the people who engaged them. I have a copy of the hospital report, and the original claimant 's name is not on it. Again, they never sent me a bill regarding any of this, they sent me to a Collection Agency to harm my hard-earned credit.
Consumer complaint received 2015-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: GUARANTEED RATE INC. (MA)

The complaint is against Guaranteed Rate XXXX. There are 3 issues with loan processing and closing cost. 

1. Not able to close on-time - Guaranteed Rate had more than 2 months for processing the loan application, There was not a single document delay on my end. I ended up bearing extra rent cost XX/XX/XXXX, this was solely due to Guaranteed rate 's inability to close on time that they had committed. 
Application was originated on : XX/XX/2015Original closing date : XX/XX/2015Actual closing date : XX/XX/XXXX 

2. Closing cost - I was quoted closing cost to be around {$2000.00} ( I have email proof from the Guaranteed Rate ), I ended up paying close to {$4000.00} instead, including attorney fee. I was promised that closing cost includes attorney fees. This closing cost does not include the escrows and other pre-paid expenses. 

3. Pre-paid interest - Even though we closed on XXXX, my loan started from XXXX and I was charged pre-paid interest even when the loan was not actually closed. 
The loan interest started fron : XX/XX/2015Actual closing date : XXXX. The HUD-1 document was provided to me 1 Hour before the actual closing. Guaranteed rate did not provide sufficient time to review the document and sign. If I had not signed the HUD-1 document, the deal would not have closed on time and I would have lost my deposit ( {$27000.00} ). This is such a non professional experience and sort of a black mail to agree to their terms.