davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC XXXX XXXX XXXX LOAN I have been trying to pay down my Home Equity Loan from HSBC since last year and every time I try to submit a check or online/telephone banking payment to HCBS they are unsuccessful. Instead they keep charging me interest every month and failing to accept my payments. 
When I have sent a check they have been sent back to me, when I go into a branch they tell me they are unable to complete the payment because the Home Equity Loan is managed by a subcontractor and they are unable to reach the right person, when I call HSBC the same thing happens. I have escalated this several times at HSBC, both via my Premier relationship manager and via the HSBC XXXX call center, and every time they say they will try to connect me with the right person to help process the payment on my loan, but they either leave me on hold for extensive periods of time or they ask me to call back/visit a branch. It's been going on for about a year and I don't know what to do other than file a formal complaint. I have asked that the bank keep a record of every time I have visited a branch, submitted a check, or called the call center to pay the loan. There are funds in my checking account to pay down this loan, so I have no problem to prove source of funds. I just would like your help getting HSBC to accept payment, and also to reverse the interest charges that have been applied since I started to attempt paying this loan.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : DEPT OF EDUCATIONXXXX ACCOUNT # XXXX ACCOUNT BALANCE : {$2300.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX ACCOUNT BALANCE : {$4800.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX ACCOUNT BALANCE : {$3100.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX ACCOUNT BALANCE : {$1200.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX ACCOUNT BALANCE : {$1200.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX ACCOUNT BALANCE : {$3800.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX {$3500.00} ; ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX {$1800.00} ; ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX {$5600.00} ; ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX {$6500.00} ; ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX ACCOUNT BALANCE {$5900.00} ; ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX {$19000.00} ; ACCOUNT NAME : XXXX, XXXX ACCOUNT # XXXX ACCOUNT BALANCE {$150.00} ; ACCOUNT NAME : XXXX. XXXX, XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX {$0.00} ; ACCOUNT NAME : XXXX XXXX  # XXXX {$610.00} ; ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX {$1600.00} ; ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX {$300.00} ; I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2021-04-14
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC (CA)

I was working on getting approval for a reverse mortgage on my condo from Finance of America-Reverse ( FAR ), when they introduced a new document to be signed and notarized by my neighbor, who has no interest in helping me to get a reverse mortgage and would not sign such a document. Essentially, FAR gave my neighbor the power to deny me a reverse mortgage. 

I dont believe FAR was acting on some hidden reason and deliberately trying to deny me a reverse mortgage by introducing this new requirement. They explain their reasons for it in the attached email, given the situation where my condo is one unit of a 2-unit condominium building, and my neighbor owns the other unit. Nevertheless, the way it worked resulted in denial of a reverse mortgage for me, based upon nothing but the whims of a disinterested outside party, my neighbor. 

Further, FARs new document was superfluous. My neighbor was already bound to everything in it by the XXXX XXXX XXXX of the condominium, a copy of which FAR had been given, plus a separate agreement regarding a split of utility costs, which was forthcoming.
Consumer complaint received 2024-06-03
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kikoff Inc. (CA)

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and XXXX XXXX XXXX XXXX  have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : KIKOFF - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Consumer complaint received 2020-11-06
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: Experian Information Solutions Inc. (CT)

Last year I was working with someone who was supposed to fix my credit they have pictures of my social my license bills. After reviewing my own credit I notice inquires on my credit report that I have not inquired about. When I put my dispute in to XXXX  Experian and XXXX  and to the company reporting this false information they say it is accurate. But they dont send documents showing it was really me. It is easy to apply for credit but to my understanding I had credit lock on my file and any card I applied for and received I had to send in my I D card. Any inquiry without my valid I d card on file has to be fraudulent. I feel they are breaking the law of course someone can write some of my correct identity in thats why its called identity theft
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (GA)

GM Financial has repeatedly reported incorrect information from account to my credit report for OVER A YEAR!!!! This is absolutely UNEXCEPTIONABLE!! All this time I have been working HARD to position myself to become a home owner and could not understand what was holding me back!!! It was GM Financial!!! I had to dispute the account balance that they report due to it being INVALID!! GM Financial reported that I owed over {$5000.00} when I only owe {$2000.00}!! They updated their error. As they should have!! Then ... GM FINANCIAL updates their system XX/XX/XXXX and caused my online payments to be late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX!!! If I was late why are they just reporting this!??? They just reported those XX/XX/XXXX!!! If I was late why wait so long??! Because they are wrong and I was never late!!! I found out about those late payments from my lender who informed me just yesterday that my score went down because GM FINANCIAL reported 3 late payments in the past 2 weeks. I called and they said it was my fault!!!! Now tonight I get a credit alert saying my equifax has went up 44 points!!! How did that happen!?? Because the detail shows that GM FINANCIAL HAS INCORRECTLY REPORTED that I HAVE LATE PAYMENTS THAT THEY UNCOVERED WAS INCORRECT!! XX/XX/XXXX-30 days late, XX/XX/XXXX-30 days late, XX/XX/XXXX-60 days late, XX/XX/XXXX-60 days late, XX/XX/XXXX-60 days, XX/XX/XXXX-60 days late and XX/XX/XXXX-90 days late!!!!! They just changed it!!! This is an outrage and I demand that this be addressed RIGHT AWAY!!! This has hindered me severely from becoming a homeowner. On top of that I had to get an online alert and I was never even notified!!! I have missed multiple opportunities to become a homeowner due to their delinquency! This has caused a major setback along with XXXX   XXXX and XXXX!!! If this is not taken care of I will seek further assistance!
Consumer complaint received 2022-07-16
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. (OH)

File dispute on XXXX XXXX XXXX account And XXXXXXXX XXXX  after 5 days they closed dispute with verified accounts and remain Theres no way either account could of been properly verified as mine
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I pulled up my credit report and saw all of these unauthorized inquiries. I did not apply for employment with an of these organization nor did I request credit from any of these organization. Please Remove from my report. 


XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX  XX/XX/2018 XXXX XXXX  XXXX XX/XX/2018 XXXX  XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 2018
Consumer complaint received 2021-07-16
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. (MA)

I contacted Experian and informed them that a XXXX XXXX account had been opened without my permission. The agent at experian told me to file a police report and upload it with a copy of my ID and they would remove it within 3 business days. I waited 30 days and Experian told me they had not heard back from XXXX and there was nothing they could do. 
I contacted XXXX and sent them the 3 requested documents ( social security card, Police Report and Proof Of Address ). XXXX accepted my social security card and police report but did not accept my proof of address. I informed Experian that I contacted verizon but they were being uncooperative.

I requested to speak with a supervisor twice at experian but I was hung up on.

I have made every attempt to do my part but the staff at experian are rude and unhlpful
Consumer complaint received 2018-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (NY)

I check my pnc XXXX XXXX checking account on XX/XX/2018, then I found out there are 2 of XXXX dollar unauthorized ach transfer from my account to a unheard of ( XXXX  XXXX company which I found out from the pnc representative ). And I call the XXXX XXXX company it was XXXX XXXX phone number and no one answers, obviously it is a fraud. Now, pnc doesn't want to take responsible for it, and tell me to wait 10 business dates for the dispute. When I call again on XX/XX/2018, pnc trys to tell me any corporation ach transfer has to report with 24 hrs in order to dispute. This is so XXXX, my hard earning money of XXXX just disappeared.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Account was paid in FULL XX/XX/2019. Balance still being reported As of XX/XX/2019 balance still showing on all three credit reporting agencies with one last reported date being XX/XX/2019
Consumer complaint received 2018-12-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi bank blocked my account and closed my account without consulting me on XX/XX/18. Moreover, they hold my money and dont let me access to my own money. I called and went to the branch on XX/XX/18, still no help at all. They said I have to wait 30-60 days to receive a check from them for my remaining balance in my checking account. This is ridiculous. All my money is in that account, how should I live for 30-60 days without money at all!
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX PLEASE REMOVE any other variations of my name they are not accurate. 
I am the XXXX  of XXXX XXXX  XXXX  XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX STE XXXX, XXXX, GA XXXX
Consumer complaint received 2019-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Home loan paid off We paid our loan off in XX/XX/2019. 
Bank of America confirmed that the loan was paid in full. 
We sent instructions to Bank of America in writing to stop auto payments. 

Bank of America continues to withdraw payments, sending us a letter that the withdrawals are in error and then to refund the payments. 

I talked to Bank of America staff in XX/XX/2019 to request again that withdrawals stop. 

Bank of American continues the errors : XX/XX/XXXX refund of {$3500.00} for XX/XX/XXXX withdrawal made in error XXXX refund of {$3500.00} for XX/XX/XXXX withdrawal made in error XXXX refund of {$3500.00} for XX/XX/XXXX withdrawal made in error XX/XX/XXXX refund of {$3500.00} for XX/XX/XXXX withdrawal made in error Today I called again to request that Bank of America stop the withdrawals ; so far, no staff can assist me. 
I have called XXXX ( customer service ) ; XXXX ( mortgage ) ; XXXX ( online banking ) Please send me confirmation in writing that addresses the errors and confirms that no more withdrawals will be made in error.
Consumer complaint received 2018-12-26
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: AMERICAN EXPRESS COMPANY (FL)

During the months of XXXX, XXXX and XXXX I had fraud committed against me. My card was fraudulently used at several merchants without my knowledge or permission. I alerted my Son and together we called American Express and reported the activity we were assured we had nothing to worry about and they would be credited to the account ... See below DISPUTE INQUIRY NUMBER INQUIRY REASON AMOUNT Denied XX/XX/XXXX XXXX No knowledge of transaction or payment {$200.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$20.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$98.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$200.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$29.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$36.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$28.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$25.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$39.00} However, I just received my bill for this month and noticed they had refused my disputes and now expect me to pay for all of them. I'ma retired widow of XX/XX/XXXXyear XX/XX/XXXX XXXX on a fixed income. My social security does NOT cover this. I was a victim once and now a victim again of American Express.
Consumer complaint received 2019-09-11
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: SYNCHRONY FINANCIAL (WI)

I opened a jc penny credit card hoping to improve my credit score now due to reporting issues about my payments being timely its bad ... I have proof of my last payment to them via a letter and there automated system rejected my information I called them and verified my routing # and it was correct my bank also had the funds for this XXXX $ $ Payment!!!! I did not expect this at all. 
I am trying to improve not make it bad Please help!!! 

Thank you XXXX XXXX ...
Consumer complaint received 2019-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX ACCT # XXXX OPENED XX/XX/2012 BALANCE REPORTED {$11000.00} AS AN UNPAID CHARGE OFF IS INCORRECT. THIS ACCOUNT WAS TRANSFERRED TO ANOTHER CREDITOR BY THEM AND PAID. I HAVE CONTACTED THEM SEVERAL TIMES AS WELL AS THE CREDIT BUREAUS EXPLAINING AND PROVING MY SITUATION AND THEIR HAVE BEEN NO CHANGES. IF IS AFFECTING MY QUALITY OF LIFE. MY CREDIT SCORE IS SUFFERING.
Consumer complaint received 2019-09-11
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Greetings CFPB, I am contacting the Bureau in regards to a Reverse Mortgage on my mothers house I inherited in 2016, when I obtained financing my financial officer made me aware of a monthly charge on the Champion Mortgage statements called a Service Fee Set Aside, after he submitted several inquiries regarding this charge with no response from Champion Mortgage before closing, he advised it appears this amount was never exhausted and the balance was not deducted from the final pay off amount and felt they owed me the un-used balance. 
I would like to also advise Champion Mortgage from day one of advising Champion Mortgage of my Mothers death Champion Mortgage demanded the debt to be paid immediately or to surrender the property, I found very little information regarding dealing with this issue or my rights with a Reverse Mortgage Company, I did find that congress had passed a bill that the Reverse Mortgage Companies must give one year to settle an estate before taking action, upon advising Champion Mortgage of this information they advised me they would give me four extensions each three months in duration. 
As you can see in the Notice of default letters they sent me, they offer several options but never inform me of my right to one year to settle the estate before I have to choose one of their options. 
Can you please help me find out if Service Fee Set Aside is a legitimate fee and if they owe me a refund for the un-used amount. 

Kindest Regards, XXXX XXXX.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Collections U.S.A., L.L.C. (FL)

On XX/XX/XXXX, A medical debt of {$54.00} was transferred from one of my doctors to Credit Collections USA. This debt was due to an indecision by The Department of Veterans Affairs XXXX VA XXXX and Social Security Disability ( SSD ) as to who was the responsible party for the bill. I was finally notified of the debt by Credit Collections USA ( C.C.USA ) in XX/XX/XXXX. After speaking with a representative at C.C.USA, I agreed to pay the debt ( which was later reimbursed by the VA XXXX and did so on XX/XX/XXXX. When I paid the debt, I was guaranteed that the debt would be removed from my credit report. XX/XX/XXXX I contacted C.C.USA with the concerns that this item had not been removed from my credit report. After several conversations with employees and supervisors, I was told that the representative that gave me the guarantee had not been authorized to do so and they would not be removing the debt from my credit report. Two years of negative credit posted by this company from the time it was submitted to the time I was made aware of a debt that I ( XXXX XXXX XXXX XXXX XXXX  ) was not responsible for.
Consumer complaint received 2024-02-08
Product: Credit reporting 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 act XXXX Account # 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