davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

Hi, there, I opened a new HSBC premier checking account on XX/XX/XXXX in response to a bonus offer of {$750.00} welcome deposit. The offer stated that {$750.00} will be automatically deposited to my account eight weeks after a minimum balance of {$100000.00} has been maintained for 90 days ( as attached ). Early last month I asked about the welcome bonus by web chat, and an agent asked me to call. I called and another agent promised to investigate but I received no deposit or response for another week. I contacted HSBC by web chat on XX/XX/XXXX and the third agent said he/she would issue a request to investigate. Several days later I asked again the fourth agent promised yet again to investigate and gave a response within 48 hours ( the chat transcript attached ). I received nothing after 48 hours, and contacted them the fifth time. The fifth agent said he/she would issue another request to investigate. 

So I don't have an answer about the welcome bonus 7 months after I opened account and five inquires. Hope that you can help me with this matter. 

thanks XXXX
Consumer complaint received 2018-07-31
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: TRANSWORLD SYSTEMS INC (CT)

I have been disputing a bill from XXXX XXXX XXXXXXXX XXXX since XX/XX/XXXX. The dispute keeps coming back as a valid bill. I went to XXXX XXXX XXXX hospital back in XXXX and was treated for a XXXX XXXX. I was not having a XXXX XXXX I told the physician on duty that I believe I pulled a XXXX  in XXXX XXXX. They held me there for 12 hrs and treated me for a XXXX XXXX. But when was released I was given a prescription for XXXX   XXXX that was never noted in the hospital notes. I disputed this bill with XXXX XXXX XXXX and they did drop their portion of the bill. I have been in dispute since XX/XX/XXXX with XXXX XXXX XXXX XXXX which is now in a debt collector 's hands Transworld Systems. I contacted Transworld today and the bill is for {$1400.00}. They said the best they could do is settle for a {$1000.00}. I do not feel I should have to pay this because XXXX XXXX 's agreed to drop their portion. I've been trying to get this removed from my credit reports. It keeps going in and out of dispute and Transworld said they could not help me. I am XXXX. My wife does not work so she can take care of me. I feel I'm being taken advantage of the system. All I want is this removed from all 3 of my credit  reports. I am ready to get an attorney so I know what my rights are. I have had enough. I spent over 1 and a half hours on the phone today with Transworld XX/XX/XXXX and got no where. I need to know what my rights are.
Consumer complaint received 2022-06-11
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. (TX)

In accordance with the Fair Credit Reporting 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 # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX 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 a account without my written instructions
Consumer complaint received 2018-07-31
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: Asset Management Outsourcing, Inc. (TN)

I began disputing the XXXX account entry that is reflected on my credit report with the company in XX/XX/XXXX ( see attached ). In my initial dispute dated XX/XX/XXXX, I specifically requested that XXXX provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, date alleged debt became payable, original delinquency date, verification that this debt was assigned or sold to collector, complete accounting of alleged debt and the name and address of the bonding agent for collection agency in case legal action becomes necessary. XXXX responded to my dispute ( see attached ), in their letter dated XX/XX/XXXX. 

Upon receipt of the documentation that was sent, I sent them a letter dated XX/XX/XXXX, ( see attached ), whereby I requested that they provide a copy of the financial responsibility page, provide a copy of my signature with the provider of service to release medical information to them as well as for them to cease any credit reporting until the debt has been validated by me ; XXXX failed to do so. They were not able to provide any substantiated documents that reflected financial responsibility on the alleged debt, nor did they provide a copy of my signature with the alleged provider of service to release medical information to them. Merely providing a statement that HIPAA violations were not committed is unacceptable as XXXX should have all documents to indeed prove the debt is legitimately owed versus alleged. 

To that end, this entry lacks veracity, is inaccurate and poses a HIPAA violation as any records whether transferred by the alleged medical facility should not have been submitted to a collection agency without consent being granted as reflected by signature on the applicable documents. These entries should be deleted immediately.
Consumer complaint received 2018-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX has been reporting a fraudulent debt on my credit report for a few years. I've tried to dispute the debt thru the credit reporting agencies but it always comes back verified. 

I'm a victim of identity theft and have attached my FTC report along with my homeless veterans letter. 

I pretty sure the account doesn't belong to me because I havent had a stable address in over 7 years. 

Please remove the fraudulent account.
Consumer complaint received 2018-10-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NC)

I leased this car and have been making payments. I was surprised in the first place to even get it due to my credit situation. But I needed a car after being in 2 car accidents in less than a yr last yr. I have been making payments, some in full, some half and even would try and do 2-3 months. Lately I have been phone calls all day and just about every 2-3 days from different agents even though I had spoken to someone prior to the new calls. The last rep told me that one of my payments that I had made back in XXXX was sent, then returned. Which I was never informed of it nor received it back in my account. I called my bank and they pulled up my payment history and saw where I had made the payment and that it was deposited on their end. XXXX still tried to tell me that when I made the payment, there might not have been enough funds in my account to make the payment. I've tried to explain to them that I use a prepaid debit card and can only spend what is in my account. So if the funds wasn't there, it wouldn't have gone through. They are still trying to tell me that the payment wasn't made, when I got the last call before making this complaint, I had asked to speak to a supervisor, they found one that was available, I was placed on hold and was on hold for over 10mins before I hung up since no one came back to the line.
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I have been on a XXXX XXXX XXXX program since XX/XX/XXXX which included a Payment Deferral. This forbearance program hit the maximum number of months allowed and payments resumed XX/XX/XXXX. With anticipation of this and knowing I could still no longer make the full monthly payment, I applied for a XXXX XXXX XXXX in XX/XX/XXXX. This application was completed verbally. I received a letter dated XX/XX/XXXX denying my modification noting the account does not qualify for Mortgage Assistance. I was assigned a Relationship Manager, XXXX XXXX, whom I have attempted to contact many times and only spoke with once. He was no help to me. 

I reapplied for XXXX XXXX XXXX again in early XXXX. This time I completed a full formal modification packet including : mortgage assistance application, mortgage statement, property tax bills, utility bill, insurance declaration page, tax returns for XXXX and XXXX, divorce settlement agreement, last XXXX months of ALL bank statements, a complete monthly budget, profit/loss statements for the last XXXX months for my business and XXXX hardship letters- XXXX from myself and XXXX from my XXXX 

I stated that my hardship began when my husband left our family in XX/XX/XXXX and took his income with him. I started my own business in XXXX to support my family. 
I am a single mother raising XXXX boys. In XXXX I was diagnosed with XXXX XXXX  and had a XXXX XXXX removed in XX/XX/XXXX followed by XXXX and XXXX  I had XXXX in both XXXX, my XXXX, my XXXX XXXX and throughout my XXXX XXXX. After being in XXXX my XXXX returned, and I had a XXXX XXXX removed in XX/XX/XXXX. This resulted in a XXXX fusion, more XXXX and a return to XXXX My treatments continue currently. 

I sent my complete XXXX XXXX Assistance application on XX/XX/XXXX. I called the mortgage company daily to confirm they received the entire packet. On XX/XX/XXXX I was told that the packet had been received that day and sent to the underwriter. I received a letter in the mail dated XX/XX/XXXX denying my XXXX XXXX noting the account does not qualify for Mortgage Assistance again. This was the same exact denial letter I received for the first verbal application! I also received in the mail, at the same time, a letter dated XX/XX/XXXX stating that my XXXX XXXX XXXX had been received. This letter was dated a day later than my denial letter! 

These facts confirm my belief that this mortgage company did NOT conduct a proper review of all my documents! This would include evaluating my extenuating circumstance, as outlined by my oncologist, and the effect this XXXX  has on my immune system. 

I was able to make XXXX mortgage payment at the end of XXXX but unable to make my XXXX payment, as of yet.
Consumer complaint received 2019-08-28
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. (SC)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

I filed dispute for 7 charges made using my debit card, which I was not in possession of. I called PNC bank immediately after noticing the unusual transactions, at which point I realized Id lost my debit card. They canceled the card and got me a new one. However, after only 2 weeks of investigation, my claim was denied. 

XXXX  of the charges also had the XXXX XXXX which when you XXXX, immediately comes up as fraud. 

Im trying to resolve this issue with PNC, however I am being given the run around and am not receiving any feedback.
Consumer complaint received 2018-10-11
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. (TX)

The account below is being reported wrong. Account showing closed with a balance. I have received a XXXX for this account so balance should be XXXX. Not sure why bank continues to report it with Balance. 

The account is not in collection of should be listed as charge off. 


Auto Account : XXXX XXXX XXXX {$31000.00} Closed
Consumer complaint received 2018-04-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NC)

I use the XXXX Credit Card from time to time for promo offers and benefits for over 5 years now with do issues or late payments. However recently I received call my account with delinquent and I have been reported to credit bureau. Obviously this was unbeknownst to be as I had received no communication or notice of any issues beyond a monthly generic email. 

While all other CC i use allow for monthly auto payment, XXXX does NOT. 
Upon calling in I was met with hostile response and accusational tone as I tried to correct the problem. After further digging realized that return was processed causing a small remaining balance ( {$44.00} ) which i then paid immediately. Because XXXX does not allow auto payments or contact customers with notice of late payment this issue was not realized or corrected until after I had been reported to credit bureau. After exhausting every resource with XXXX I am now forced to contact each of the three credit bureau to dispute and missed payment on {$44.00}. They also charged multiple late fees of over {$75.00} during the 60 days until i was notified, which was unfortunately to late.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX  XXXX Balance Owed : {$5700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$210.00}
Consumer complaint received 2019-08-26
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: CITIBANK, N.A. (CA)

To It May Concern : Few months I applied for XXXX XXXX credit car and the XXXX XXXX issue by CITYBANK. 
once I received my rejection on the regular mail. 
I opted to call CITYBANK and I asked to speak to a manager. 
There were no managers available and my call ended up somewhere in XXXX. 
the City Bank 's XXXX rep told me that I the reason it was denied according to CITY BANKS Collection via XXXX I have filed for Bankruptcy in 2000. 
I explained that is not even possible since I just file for a non conventional loan to a conventional loan and if that would or was the case, my current loan would not be possible. 
the I ask to speak to a CITY BANK  manager in the U.S.A. and I was told that my BK was not anymore in any credit agency. 
I told City Bank  manager that why ; If I had filed for Bk why is it still posting since I according the XXXX XXXX City Bank Bk was file 2000? 
The last week I received an invitation to apply and again, it shows that I have filed for BK? 
this is erroneous information and being reported by City Bank and their collection firm in XXXX.
Consumer complaint received 2019-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

Over the last 15 years I have held a conventional XXXX XXXX 30 fixed home mortgage. Within the last year XXXX XXXX has begun outsourcing the payment collection process to Specialized Loan Servicing ( SLS ). For well over the last 10 years I have had autopay service through my primary bank. My bank ( XXXX XXXX ) ensures that my monthly payment arrives by no later than the XXXX of each month. For over 10 years XXXX XXXX had been able to process my mortgage payment on time with no issues. Since SLS has taken over payment collection I have had five late fees added to my account. Each time a late payment is posted I would have to call customer service and have them reverse charges once they see that the payments did indeed arrive on the XXXX. 
I believe SLS is committing fraud by charge illegal late payments. My mortgage states clearly that I have until the XXXX of each month to make my payment. My bank ( XXXX XXXX ) has been successfully sending auto payments to XXXX XXXX, SLS and many other lenders ( cars, credit cards ) for more than 10 years. Unfortunately, now SLS is charging me late fees because they can not process payments in a timely manor. 
I would like CFPB to look into SLS fraud and have SLS immediately stop charging me late fees when my payment is received by the XXXX of each month and credit my account for all current late fees.
Consumer complaint received 2019-08-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation (KY)

I opened this loan in XXXX XXXX, KY XX/XX/XXXX. I lost my job XX/XX/XXXX and could not make the payments. Can WFC really report a 17 month charge off period with 120 day late payments? But the major issue is the past due amount increases from $ 50-75 dollars each month it is reported on my credit.
Consumer complaint received 2019-08-26
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. (OK)

My spouse and I filed a chapter XXXX bankruptcy in XX/XX/XXXX which did NOT include our home mortgage to XXXX XXXX. Since that time, we have made several complaints to have them repair our credit reports regarding how they have reported our mortgage. The account is current and we have NEVER had a late payment. They have fixed all of the credit reports for my husband ONLY. The following is how they are reporting to the three credit reporting agencies for myself ( we are joint owners of the loan, so they should be exactly the same ). 
XXXX shows me with zero open mortgage loans. 
XXXX shows me with zero open mortgage loans. 
Experian shows me with XXXX XXXX XXXX XXXX   closed, included in a chapter XXXX bankruptcy and a failure to pay in XX/XX/XXXX. 
I received a letter from XXXX XXXX dated XX/XX/XXXX with the following statements : " We've determined the account was handled properly and no corrections are needed as no error has occurred. '' " We've determined that we provided accurate information to the consumer reporting agencies and will not be making any adjustments ''.
Consumer complaint received 2018-03-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NC)

In the beginning of XX/XX/2018 I contacted XXXX XXXX via an internet advertisement. A loan officer, XXXX XXXX, from AmeriServe contacted me as a result. I disclosed all of my financial info verbally and again via their electronic transfer questionnaire. Due to my credit score being over 800, and my loan to value ratio quite low, they issued a " Loan Terms Agreement '' statement showing " Points '' at {$930.00}. But when the actual application was to be submitted that required my electronic signature, the points changed from {$940.00} to {$1300.00} which is about {$420.00} higher than was quoted. 

In my opinion this is a " bait and switch '' tactic. I verified with another lender that there was no change would have occurred during this time period for any client with my qualifications with any lender. 

They also charged me {$550.00} for the home appraisal, which was never completed. I called the appraiser and he informed me that he had received the initial order but when he called them to verify the transaction, they never answered their phone and would not return his calls. 

I called the lending agent I had been dealing with and told her to cancel the transaction as I did not approve of their business practices and questioned their integrity. Also requested the return of my {$550.00} deposit. As of this date it has not been received. 

Her reaction to this call really surprised me. She replied " Oh, Ok and said goodbye and hung up. '' Really an odd reaction after all of the time and effort we both expended. 

I obtained my loan from another reputable company and everything went as expected. 
This company also required info on my wife as she would also be required to sign documents as an additional party to the loan. AmeriServe agent claimed that was not needed. Very strange.
Consumer complaint received 2019-08-28
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: Experian Information Solutions Inc. (CA)

Experian customer service phone numbers are entirely useless theres no representatives to speak too, it would appear this is a reccuring theme for this company there are peoples livelyhood at stake here and being unable to contact them in anyway is rage inducing