davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened a checking account with HSBC based on the promotion offer I received. hsbc.com/XXXX The promotion is {$370.00} bonus if 1. ) I open the account by XX/XX/2019, 2. ) Keep {$10000.00} for 30 calendar days, and 3. ) maintain the balance for 90 calendar days.

I even received a confirmation from HSBC online rep that I should receive the bonus. Attached in this complaint.

I deposited {$10000.00} on XX/XX/XXXX, and maintained it for beyond 90 days. I did not receive my bonus. Since I fulfilled all requirements, i called HSBC and asked about why I have not received my bonus, they told me ( according to their " investigation team '' ) that because I had an account with them for the past three years, therefore, I am not eligible for the bonus. I did not have an account with HSBC for the past three years. I asked the representative on the phone to provide me documentation to prove I had an account with HSBC, they gave me the run around and said I need to request it online.

I am filing this complaint because HSBC is deceptive in this marketing practice.
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (TX)

I'm being sued by a company for a past due card debt that I'm unaware of and was impossible for me to have charged these fee 's. I moved to XXXX early XX/XX/XXXX now its XXXX. The charges was made in middle an end of XXXX. I'm asking for my name be removed from this debt due to fraudulent charges made with my name.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NY)

Ive had this card over 2 plus years with a total of XXXX credit limit. 

XXXX Goldman Sachs closed my account without writing to me prior to that. 

It states There was a failure to comply with the terms of the Customer Agreement. 

However they cant tell me which terms were failed to comply with. I been speaking to their customer care often to open us escalated cases to understand why, but I dont get a valid response for this matter
Consumer complaint received 2022-02-17
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: NAVY FEDERAL CREDIT UNION (CA)

I am unable to submit a dispute for a hard inquiry with XXXX. A hard inquiry was performed by Navy Federal Credit Union ( the lender ) without proper disclosure. I was given guidance from the lender that they could not have the hard inquiry removed and that the best course of action would be to dispute it with the credit bureau. However, there is no process for disputing an inquiry through XXXX. This has negatively impacted me financially by reflecting incorrect information on my credit report and impacting my score.
Consumer complaint received 2022-07-06
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: Bread Financial Holdings, Inc. (CA)

This account XXXX XXXX was transferred to XXXX without notifying me , which is in violation of my rights. It seems that the bureaus and the creditors disregarded my several complaints and letters requesting for the validation and proof of this alleged account.
Consumer complaint received 2022-02-17
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. (CA)

I am unable to submit a dispute for a hard inquiry with TransUnion. A hard inquiry was performed by XXXX XXXX XXXX XXXX ( the lender ) without proper disclosure. I was given guidance from the lender that they could not have the hard inquiry removed and that the best course of action would be to dispute it with the credit bureau. However, there is no process for disputing an inquiry through TransUnion. This has negatively impacted me financially by reflecting incorrect information on my credit report and impacting my score.
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (TX)

I was taken advantage of due to malpractice while several laws have been broken under the FCRA by your company. This has caused me financial injury as well as defamation of character and I haven't been able to rightfully obtain credit.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (SC)

Under the FTC, and privacy act I have to a right to opt out of creditworthiness or other personal characteristics that is being shared. If any company shares credit score or details about a purchase. I have a right to say no about sharing. This is a defamation to my character.
Consumer complaint received 2023-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX there was an unauthorized transaction that occurred at an XXXX XXXX in the amount of {$260.00}. The following day ( XX/XX/XXXX ) I noticed the transaction and called USAA to report it. They then issued me a provisional credit. On XX/XX/XXXX I received a notification from USAA claiming that the transaction was not unauthorized and that my credit would be revoked on XX/XX/XXXX. The notice also informed me that I could request the documentation used to make their final decision. I called several times in the days that followed requesting the documentation. I finally received a notice on XX/XX/XXXX, but it didn't actually include any of the documents used to make the decision. This was very upsetting for me especially since that was the day they removed my provisional credit.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX this year unsuccessful unfreeze due to system maintenance, unable to unfreeze through customer service. 
Unable to obtain pin, which was lost. The backup email shows an outlook account through XXXX Fast forward to last night, Monday was told by chat representstive the submission issue will clear up in minutes and to try again, did so last night to no avail. 
Today using bing and XXXX unable to unfreeze accout.
Consumer complaint received 2021-06-14
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: EQUIFAX, INC. (TX)

I called Equifax several times explaining that I have been a victim of identity theft and several inquires along with an account from XXXX was listed on my credit report. I was told to send them the Identity theft report which I have several times and they did nothing. I have attached my social security card for identification & have my name corrected on my credit report.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Between XXXX, HSBC XXXX XXXX XXXX XXXX XXXX XXXX XXXX location currently XXXX XXXX  failed to return interest owed for safe deposit in which payments was being made to by a checking account. The account at HSBC belong to my father whom was deceased for XXXX years before HSBC acknowledged his death. Here, and at all times HSBC benefited solely from my father checking account that paid for a safety deposit box that was entered into by government officials in the XXXX. In XXXX DEA approached HSBC with a search warrant for safety deposit box belonging to XXXX XXXX, they seized the assets in the amount of {$280000.00}. No communication was made to XXXX XXXX XXXX from HSBC to XXXX XXXX XXXX until the Summer of XXXX when XXXX XXXX approached the said branch in persons after numerous failed mail, email and communication portions. It must be noted on XX/XX/XXXX XXXX sent a check to XXXX unclaimed funds for safe deposit box rental without communication. Here HSBC failed to provide correspondence to our Estate regarding any settlement of the said safety deposit box in order to dispute the amount to be refund to XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX charged on XXXX card and XXXX cards fraudcharges of XXXX and XXXX. Bank of America someone got my XXXX XXXXXXXX card and charged {$3900.00}. 

Both banks are not dismissing the charges. I filed a police report and sent it to the banks. I never made these charges. The banks refuse to dismiss the charges that I never made.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (KY)

Yesterday on XX/XX/2024 we was a victim of fraud we was trying to rent a property and we send the XXXX XXXX firm {$50.00} for a application fee and then we got accepted and at this point the deposit was to be sent we tried we contacted the bank and discussed with them for over a hour about this company rather is was fake or legit and they told me it was and they released the {$750.00} dollars for the deposit and they told us they was XXXX minutes away from the house with keys and to go ahead and send the rent which was {$970.00}, when bank was called to stop the transaction we was informed that they couldn't stop it because it was withdrawal from a ATM and they would be cooperative when we was told that there was nothing they can do
Consumer complaint received 2022-07-06
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: TRANSWORLD SYSTEMS INC (IL)

Transworld system Inc has placed a utility on my credit for something that was opened in Texas. I have never lived in Texas and filed police report and a fraud statement. and sent that into Transworld. I also sent in a dispute to the bureaus and they did not remove the account and further went on to claim that Transworld verified. I have never even been to Texas and do not know anyone who is there. This is not my account and I am in the process of getting a new home. I have done everything that Transworld has asked that I do and sent it in. I need this deleted as soon as possible as I have lost points on my credit score for something that is fraudulent account.
Consumer complaint received 2019-08-01
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: EQUIFAX, INC. (VA)

I have filed complaints, and send certified letters to Equifax requesting removal of inquiries that are fraud and I didn't authorize these companies to run my credit. They are as follows : XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX and XX/XX/XXXXXXXX XXXX-  XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OR)

I purchased an item at XXXX XXXX through a credit card issued by Comenity Bank.I received an email from a representative at XXXX XXXX that I would be compensated when the item was delivered to make up for a delayed delivery.I was not charged a reduced amount- I was charged the full price and was not issued any compensation.  After I contacted XXXX XXXX, they issued a gift card but did not credit my account. In the interim, I was charged late fees by Comenity Bank. I called a representative at Comenity Bank and spoke to him for an extended period of time describing the situation.  A significant amount of time passed before  I received a written notice from Comenity Bank that they did not have all the information they needed to process the dispute.  I then had to submit the dispute in writing, which included the email from XXXX XXXX promising compensation.In response to my written dispute to Comenity, they said the late fees, finances charges, and charged amount were all appropriate and said the case was closed.The compensation that was promised only materialized in the form of a store credit after I contacted XXXX XXXX.  The phone conversation I had with a representative of Comenity Bank led to a delay because that representative did not gather all of the required information to process the dispute. During this whole process I incurred late fees and finance charges. They also reported a 30 day late payment to credit reporting agencies in XXXX.  The item was delivered in XXXX and the promised compensation was not issued until after I called to inquire once the item had been delivered.
Consumer complaint received 2022-12-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

THIS IS NOT A DUPLICATE COMPLAINT NOR IS THIS IS A DISPUTE OF ACCURATE OR INACCURATE INFORMATION ON MY CONSUMER REPORT. I AS THE CONSUMER IS NOT DISPUTING WETHER OR NOT THE ACCOUNT BELONGS TO ME OR NOT BUT THE CONSENT THAT WAS NOT GIVEN DIRECTLY BY THE CONSUMER WHICH IS A DIRECT VIOLATION OF MY RIGHTS AS A CONSUMER. On XX/XX/2022, I the consumer notified Equifax through the CFPB portal of an account ( DIVERSIFIED ADJUSTMENTS ) that was furnished fraudulently on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. The account read ( DIVERSIFIED ADJUSTMENTS ). Equifax failed to Investigate the first time and now during their re-investigation witch is a violation of the FCRA, pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Equifax failed to Investigate both times according to federal law ( FCRA ), Equifax haven't conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Equifax and DIVERSIFIED ADJUSTMENTS are committing Fraud and Identity theft. I the consumer never got an update nor anything in writing from Equifax stating HOW this INVESTIGATION WAS HANDLED ACCORDING TO FEDERAL LAW. The company ( DIVERSIFIED ADJUSTMENTS ) that Equifax furnished to my consumer report fraudulently... IM INFORCING MY RIGHTS AS A CONSUMER AND I demand the account ( DIVERSIFIED ADJUSTMENTS ) be deleted Immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 usc 1681n and title 15 usc 1681o ) regarding the continued willful and negligent noncompliance. EQUAFAX WILL BE LIEABLE TO ME {$1000.00} EACH ACCURANCE GOING FORWARD Respectfully,
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal Wells Fargo Bank is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Wells Fargo Bank the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, Wells Fargo Bank whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Wells Fargo Bank never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

Client/Consumer was hosptialized for chronic medical condition, and Capital One is refusing to adjust late fees and penalty APRs while consumer was in hospital. Capital One is also refusing to approve a new auto loan for consumer. Current auto loan is a vehicle with XXXX recall for airbags throwing shrapnel at passengers. Capital One also pre-qualified consumer for {$53000.00} on a new auto loan, then refused to approve the application.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (MI)

Called home Depot credit on XXXX  XXXX and also called my bank and told them about {$130.00} withdrawal from a checking account. I talked to him. They said they can not find any record of me. I told him I was upset about them taking money. They're only supposed to take {$44.00} and I wanted to cancel your ACH permission and even give me the runaround last couple times I've been calling them now. My bank told me that they were going to put a stop on that and I see it went through. I am on social security right now and that's my only income and why they're taking XXXX out of my account is beyond me for a debt of a credit card to canceled. So basically this is Citibank taking money out of my account and I owe them money on other accounts but not home Depot so they thought they make my life a little difficult cuz I lost my job and due to XXXX and right now I have XXXXXXXX XXXX XXXX XXXX XXXX XXXX and I can't work and also have to have both of XXXX XXXX XXXX. Right now I'm only drawing regular social security. I need to switch and get XXXX. I want to something to stop taking any more money out of my account. I can't afford that right now.
Consumer complaint received 2022-12-03
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)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items from my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX BXXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00}