davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

Case : XXXX AMEX closed my case without giving me a reason. I made a this complaint about an offer made publicly online and not honored. Please see all documents attached. 
I called AMEX ( XX/XX/19 XXXX Eastern Time ) and spoke with XXXX ( XXXX ) and later his supervisor XXXX XXXX XXXX gave me his email so I could send him my evidence, this email 's attachment. His supervisor hung up the phone. XXXX insisted that I have to spend {$600.00} in order for AMEX to honor the offer. As you can see on the attached document : TERMS, CONDITIONS & DISCLOSURES, this is not the case.
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC Bank NA knowingly deceived me by using the Attorney which i hired to represent me at a house closing, to represent them ( HSBC ) instead. Hence, i was defrauded in multiple ways by thinking that i hired the Attorney to represent me, whereby he represented HSBC. Whereby, producing fraudulent documents ( by giving me blank documents ), and NEVER stating where the money for an alleged loan would come from. Hence, a fraudulent table-funded loan. 
HSBC was quite aware of the fact that - that type of arrangement is FRAUDULENT AND A CONFLICT OF INTEREST. Please note that i have written proof from the Attorney, on his letterhead with his signature - whereby, he stated that he represented HSBC. Including other documents to state my claims. 

I also have other supportive documents accordingly ... .. 

HSBC is now using gross/polowy ( a collection agency ) to send me on-going HARASSING/BULLYING COMMUNICATION which includes fraudulent information, as well-as to include information for people I DON'T KNOW, and has attached their information to my name. 
HSBC Bank NA must ask gross/polowy whom they have employed to stop harassing me, with fraudulent information, and to cease and desist from harassing me with their fraudulent/defamation of character which they - HSBC AND XXXX have made public. 
HSBC has also allowed the company ( XXXX/XXXX  ) they hired to harass me to attach/link information for people i do not know, and have never known to my name and personal information. Thus, further defaming my character. 

HSBC Bank NA has also given the three major credit reporting agencies fraudulent information about me, which has seriously damaged my financial profile - whereby stating that i took a loan from them, as well-as other company on the same date, which is fraudulent. 
XXXX shows that i'm linked with them as an active account holder. As well-as having multiple loans taken out on the same date - which is NOT TRUE. 
Hence, i'd like to know who is at the helm of the current house foreclosure mill with such fraudulent information, while HSBC Bank NA continue their fraudulent practices?
Consumer complaint received 2022-01-08
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2022-08-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FULTON FINANCIAL CORPORATION (VA)

We signed a one time close construction-perm loan with Fulton Bank in XXXX XXXX XXXX VA in XX/XX/2021. Our builder requested draws and the bank paid correctly. The first few months we received statements. In the past 6-9 months we have not received statements. We have contacted XXXX XXXX and XXXX XXXX multiple times by email. They have refused to send statements. We are supposed to pay interest only payments monthly. I have simply guessed at the amount but don't know how it is being applied. I have asked for a statement showing how my payments are being applied but this has also been ignored by XXXX and XXXX. We closed and moved into our home 2 months ago and still have been able to finalize with the bank. The bank keeps saying " next week ''.
Consumer complaint received 2018-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

After calling our homeowners insurance in XX/XX/XXXX to inquire about coverage for recent water damage to our basement, we were informed that our homeowners insurance was canceled in XX/XX/XXXX. We have been without homeowners insurance for the past 10 months and had no knowledge of this. The insurance guy I spoke with said the mortgage company was billed ( due to it being escrowed ) and they never received a payment in return. You would think I would have been notified as well, but that will be another complaint on a different website at a different time. Our mortgage was transferred to Carrington in XX/XX/XXXX from XXXX. During that time, we had insurance all the way through XX/XX/XXXX that Carrington was continuing to escrow from my mortgage payment. However, Carrington failed to renew the policy by making the payment in XX/XX/XXXX.  Because we had no idea our insurance had elapsed, we have continued to make the same monthly payment every single month. Where has all of that escrowed insurance money gone for the past 10 months? Upon calling to find out, I was transferred to many departments, on the phone endless hours, and I still have no answer. I have the escrow analysis report from last year that clearly shows hazard insurance being escrowed and was told by the customer service rep that she can see the same report on her computer screen. I feel as though my loan was sloppily transferred by Carrington, and I demand answers. Carrington has not gone out of their way to help an emergency situation due to my basement being flooded with water from a recent storm/power outage. This is why lenders insure homes, so they are protected and so homeowners have immediate assistance when there isnt an extra pot of money just lying around. Instead, Carrington hasnt confirmed that this home has even been insured for the past 10 months. How scary is that? I also found out after speaking with the Carrington rep that they have us living in a condo instead of the residential property we have lived in for 12 years. Talk about a lack of trust in making sure that your mortgage company will take care of their responsibilities, which ultimately affects the borrower. As soon as this mess is cleared, we will be refinancing with a trustworthy lender who doesnt have a mass amount of negative reviews. How is this company even allowed to operate?
Consumer complaint received 2019-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I placed a deposit with Bank of America on XX/XX/2019, for the amount of {$15000.00}. This deposit was made through the ATM. A hold has been placed on these funds for 10 business days. My complaint is that I was not notified that the funds would be placed on hold at the time of the deposit. I should have been notified, and given the opportunity to not complete the ATM deposit. I would have made an educated decision as a consumer to go to the bank on which the check was drawn, and obtain cash or a cashiers check for the amount of money. I thought their may be a hold of a few days, but not 10. In a world where quick transfers occur overnight, there is no reason to hold a check for 10 days. 

This is particularly upsetting because this check was issued by my attorney, and needed for health care and equipment. This is why I would have ensured that I went to the bank which the check was drawn on to obtain the money. 

Call Bank of America 's customer service did nothing to resolve the issue, and there is no further recourse according to the call center manager. I should have the right to determine if I am willing to wait on the hold, or to cash this check in another fashion. Bank of America has denied me my right as a consumer to make an appropriate decision for me and my family.
Consumer complaint received 2019-09-27
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. (TX)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ) bureaus. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-03
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: Experian Information Solutions Inc. (FL)

XXXX ; Experian and XXXX are reporting incorrectly a collection in the amount of {$250.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) I never received any service from XXXX and I was told by the representative that there would not no charge however, shortly thereafter I received a huge bill in the mail. I immediately called and told the representative that this bill was submitted in error and I again asked why I was I being charged to pay for a service I never received. Because they apparently still had me in their billing system I requested they cancel the account. After cancelling the account I received a letter from XXXX stating if I didnt make payment arrangement to them they would be sending this account to collections. I called and told them this account should NOT go to collections because I never had service and therefore never had an account. They would not honor their previous commitment to not send this account to collections so I had no choice but to make payments to XXXX to avoid any collection. I set up payments of {$25.00} per month to be automatically withdrawn from my account until this was paid-in-full. I was making the scheduled payments and ( 90 ) days later I received the collection paperwork in the mail. I called the collection company and told them about the payment arrangements I had made with XXXX. They told me to turn around and call XXXX, which I did. XXXX told me that the account wasnt resolved and paid-in-full within the ( 90 ) day time frame, so consequently they sent the account to collections. I informed XXXX that I was never told about the ( 90 ) day time frame and that we had made arrangements to pay this account off at {$25.00} per month until paid in full and that the account would NOT go to collections. XXXX did not honor their agreement and sent the account to collections regardless. XXXX never provided me any service however, they still were able to force me into paying them money they were never intitled to by threatening to send me to collections if I didnt pay them. I agreed on the terms of the monthly payments and they lied and sent me to collections anyway. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX, has violated the consumer rights of XXXX XXXX XXXX ( the alleged debt consumer ) and any variations of the name, by reporting charge offs ( XXXX  ) to profit credit reporting agencies. No transactions or experiences are allowed to be on a consumer credit report. Income is forbidden to be on the consumers credit reports. Alleged Consumer of the debt confirms that no 1099c forms was ever provided or mailed to alleged consumer. Nor has any validated and verified proof of original creditor or alleged consumer data was provided to prove that the debt is legally responsible to be paid by alleged consumer, XXXX XXXX XXXX or any variation of the name, states sue has never had a contract with this debt collector for any debt. Please DELETE this account immediately and the ARBITRATION process will take place for EVERY negative account that has been reported and EACH time it has been reported per negative account. 15 U.S. CODE 1681 ( n ) Pursuant 15 U.S. Code 1681 ( 2 ) ( a ) ( ). Please contact all agencies, corporations and organisations that you have reported this information to within 10 days of this notification. I expect to see each negative remark listed on all accounts DELETED PERMANENTLY including but not limited to XXXX, XXXX, TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and all other nationwide consumer reporting agencies. 

Respectfully, XXXX XXXX, UCC1-308
Consumer complaint received 2019-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$250.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) I never received any service from XXXX and I was told by the representative that there would not no charge however, shortly thereafter I received a huge bill in the mail. I immediately called and told the representative that this bill was submitted in error and I again asked why I was I being charged to pay for a service I never received. Because they apparently still had me in their billing system I requested they cancel the account. After cancelling the account I received a letter from XXXX stating if I didnt make payment arrangement to them they would be sending this account to collections. I called and told them this account should NOT go to collections because I never had service and therefore never had an account. They would not honor their previous commitment to not send this account to collections so I had no choice but to make payments to XXXX to avoid any collection. I set up payments of {$25.00} per month to be automatically withdrawn from my account until this was paid-in-full. I was making the scheduled payments and ( 90 ) days later I received the collection paperwork in the mail. I called the collection company and told them about the payment arrangements I had made with XXXX. They told me to turn around and call XXXX, which I did. XXXX told me that the account wasnt resolved and paid-in-full within the ( 90 ) day time frame, so consequently they sent the account to collections. I informed XXXX  that I was never told about the ( 90 ) day time frame and that we had made arrangements to pay this account off at {$25.00} per month until paid in full and that the account would NOT go to collections. XXXX did not honor their agreement and sent the account to collections regardless. XXXX never provided me any service however, they still were able to force me into paying them money they were never intitled to by threatening to send me to collections if I didnt pay them. I agreed on the terms of the monthly payments and they lied and sent me to collections anyway. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This is my several endeavors to tell credit bureaus 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, IN XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00}.
Consumer complaint received 2022-07-19
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. (IL)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 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 2023-04-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX  Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX XXXX Balance : {$43000.00} XXXX XXXXXXXX Balance : {$43000.00} XXXX XXXXXXXX Balance : {$36000.00}
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NJ)

XXXX credit card through synchrony bank. 
I went to XXXX to repair my transmission they installed a different model then what was brought in and didn't tell me. Then they cut oil lines to the radiator and ran the new lines so they were running against the axle and scorn within 10 miles. When I drove it home my 2 rear brake lines were snapped off. I went to a different mechanic to review the work since XXXX manager couldn't give me any details on what was repaired. The new mechanic showed me all the incorrect installed lines, missing dust guard and recycled junkyard transmission and leaking seal they installed. When I went back to XXXX they told me they can't find the transmission cover and it was sold out but it was not needed. As per XXXX without the cover the inner seal will rot and I was able to find the cover in 5 minutes on XXXX. Between the other shop cost, brake line repair cost and blatant lies I will not go back to XXXX. 

I contacted synchrony about the issue and have now logged 3 fraud claims which have been denied without ever calling me or emailing me like they promised for the photos of the issues and report from the other mechanic. I have logged over a dozen calls which I repeatedly get hung up on by synchrony banks reps.
Consumer complaint received 2019-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (PA)

I have a membership with Experian. I also have items on my Experian credit report which are inaccurate. I have spoken with representatives on several occasions over the past 6-18 months regarding my inability to initiate disputes online, if so, then very rarely. ( I am constantly getting an error and a notice instructing me to mail in my dispute ). 

Experian has not returned my calls, the representatives have not assisted me other than to transfer me to multiple departments. Nothing has been done to fix this issue for me. 

I feel as though they are charging me services I do not have access to, OR, they are making a fundamental service available to everyone else, but unavailable to me. I feel that the company is taking advantage of me and ignoring me.