davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I signed up for a promotion in XXXX of 2020 where HSBC would pay $ XXXX/mo for 6 months if I kept a minimum direct deposit amount of $ XXXXmo. The promotion was supposed to start paying $ XXXX/mo at about 2-3 months after opening a checking account.

I messaged them about 4-5 months after opening my checking account when I did not receive my $ XXXX/mo. They said that they could not give an answer about the issue until more time had passed from the start of the promotion. 

I messaged them again recently, and they now are saying that they will not honor the terms because I did not use their " Apply Now '' button on their promotional page. Their excuse is not true. Their promotional page is the only one that I used to sign up for an account. There were two different options with the " Apply Now '' button and I remember deliberating for a while between the options before deciding to use the button that matched with the $ XXXX/mo for 6 months.

This is a classic bait-and-switch from HSBC. They promised an offer, gave me the run around when I asked about it, and now are saying that they won't honor the offer after the promotion is over.
Consumer complaint received 2021-12-14
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. (CA)

On XX/XX/2021 at XXXX XXXX, I called Experian at XXXX to file 3 separate disputes with regards to incorrect information on my report. After explaining the information to the representative, the representative refused to take the report as the representative stated that they are not allowed to dispute information that is considered accurate. I requested to speak to a supervisor and refused to transfer me to a supervisor and refused several times to take the dispute. Credit report # XXXX.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (CT)

XX/XX/2021 I reported fraudulent activity on my account current card was canceled and new debit card was supposed to be sent out same day I allegedly supposed to get it by XX/XX/2021. Instructed to go to nearest branch to get atm card. XXXX XXXX XXXX XXXX bank manager left early unable to obtain atm card
Consumer complaint received 2015-12-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC (IL)

I live in XXXX, my parents live in Florida. A week ago, my parents received a threatening call ( automated ) from # XXXX ( NP Group ) for me. I called the number and spoke to a woman. She claims I owe {$300.00} for a pay day loan taken out in 2010. The information she provided did n't add up. I looked up the number and see a lot of activity coming from this company the last few weeks. They are trying to scam lots of people. Here is the info on the company. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX XXXX, NY XXXX Registered Agent : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. 
Phones : ( XXXX ) XXXX
Consumer complaint received 2021-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC (NJ)

Company : Quality Assett Revovery Collection Date : XX/XX/2018 Account # XXXX I disputed this with Quality Assett Revovery before it even got to collections and explained to them that I was not treated at that hospital on numerous of occasions. I also disputed it twice with XXXX  Credit with them saying the consumer disagree. So finally I sent Quality Assett Recovery two Validation Of Debt letters via mail asking what proof that was me I never gave them my social security number or date of birth better off even my name. I never signed any discharge papers or anything all I did was sit in a room and with the doctor and nurses came in there I denied and never said anything to them I ignored them. Under The Fair Debt Collection Practice Act I have the right to request proof that it was me being treated and the police sent me there against my free will I wasn't hurt or I never asked to go there. so I feel as if the Police Department should get billed because they forced me to go.
Consumer complaint received 2022-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

I mailed a letter to Experian asking them to remove a collection from XXXX XXXX in the amount of {$3600.00} from my credit report. During the week of XXXX XXXX, I received a letter from Experian stating the debt is valid and they will not remove it. I disagree and would like to know how they came to this conclusion. I want the proof
Consumer complaint received 2021-05-11
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: EQUIFAX, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2019-08-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (NC)

My account with US bank went into foreclosure so in an attempt to bring the account current I contacted the company and was told that {$5000.00} would bring it current. Then I was told that no {$6000.00} would bring it current. Then I was told that no {$7000.00} would bring it current. So I had to take pictures of my bank account each time to let them know that this money was in the bank and then the real amount of over 8000 was given to me to bring the account current. So after the account was then brought current with over {$8000.00} given I was in the process of selling the property and got a payoff quote and statement but then when I went to the attorney 's office to close US Bank had sent them a different payoff amount. I have every email back and forth regarding the different amounts and different quotes and I have also recorded every conversation that I've had with them in order to prove my case and show that they are not being truthful and not treating people fairly. I am sure hoping that I can get someone's help with this. Thank you
Consumer complaint received 2021-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/21 a dispute was opened which I ask XXXX  to validate the bankruptcy that was on my credit report. They were ask to name the person at the Bankruptcy Court  who Varified the information. They were unable to do so within 30 days. In stead they ask me to file another dispute again. They also stated that their system doesnt do that.
Consumer complaint received 2021-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/21 at XXXX I received a call on my mobile device, displaying " Bank of America '' on caller ID. I answered to hear a pleasant voice of a gentleman on the other end. He was calling to inform me of " suspicious '' activity on my card. He went on to inform me of the purchases and the amounts of the purchases made on the card ending in " XXXX XXXX XXXX XXXX ''. He knew the last 4 digits of my bank card. He went on to provide further purchases I had legitimately made and the stores I had made them at. He knew of my transactions. Immediately, I told him I had not made the out of state purchases. I informed the gentleman that my card must have been compromised. He advised me to cancel my card. He also offered advice to help prevent this type of fraud in the future. He knew my home address to mail the new card to. He also knew the exact amount of money in my checking account, to the cents. Occasionally, he would excuse himself to put me on hold to continue dealing with the issue on his end. Lastly he mentions that {$2000.00} dollars had been transferred to " XXXX XXXX XXXX '', to a " XXXX ''. I told the gentleman we had to do something immediately because I did not authorize a transfer. He said he would call " XXXX XXXX XXXX '', so he put me on hold. When he returned he said he had a representative named XXXX on the line. I did not hear XXXX introduce herself. The gentleman said we could attempt to transfer the money back to my account by going through " XXXX ''. I questioned the ability to do this with out a phone number. He said it can be done through my email address and that he would help me by talking me through it. He was always " helpful '' .I got on my mobile app through Bank of America , I placed him on speaker and he knew all the buttons I needed to push to transfer the money back to me. I continued to question how the money would return to my account through my email address, he said they were linked. I did see " XXXX XXXX '' name on my " XXXX '' profile. I questioned this and the man went on to say " somehow XXXX has merged with the current profile and is using a secondary mobile number ''. The gentleman reassured me that the transfer was going to return to my account. He told me not to worry. He asked if I received the XXXX code to my phone to authorize the transfer. Initially, I was having difficulty with the process. The man was patient and reassuring. Once the transfer was accepted, the connection was lost. I immediately called Bank of America back, explained what had happen and I was transferred to the Frauds and Claims Department.
Consumer complaint received 2022-03-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (TN)

In 2019 I returned a vehicle that I was leasing for the purposes of driving foXXXX XXXX that was originally leased through XXXX XXXX XXXX and was later sold to a company named XXXX. The vehicle was returned to XXXX with no infraction to the contract and no deficient balance. I have been registered at this address. I have not changed my phone number. I have not changed any other identifying information and no debt of any sort has ever been communicated to me by either XXXX, XXXX XXXX, XXXX, or XXXX XXXX XXXX XXXX. I was notified by RPM regarding an alleged debt. I do not owe this debt. I have never been contacted in any form by XXXX XXXX XXXX XXXX XXXX. I verified my account was in good standing before closing the account with XXXX  XXXX. I have never been contacted in any way by XXXX XXXX since closing the account. I verified that I did not break any clause within the lease agreement before and after returning the vehicle and I have I had no collections activity reported on any of my credit reports since the account was verified closed in good standing in XX/XX/2019. 

The company that is saying that I owe this debt is RPM, Receivables Performance Management LLC. This accusation is unfounded and I ask that efforts to collect this invalid debt cease and that the Collection that was placed on my credit report be removed.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MS)

This car is reporting as a charge-off, and should be off my credit report or reporting 100 % on time payments with no charge off reporting. This car loan has been settled with Wells Fargo as a unlawful repossession due to unknown charges through collateral protection insurance. I was given monetary compensation and was told by Wells Fargo that this loan will be removed from my credit report or reported 100 % on time payments with the charge off status taking off.
Consumer complaint received 2022-07-06
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 2021-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (TX)

I AM A VICTIM OF ID THEFT. SOMEONE OPENED A XXXX ACCOUNT IN MY NAME. I CONTACTED THE COMPANY THEY SAID THEY COULD NOT FIND ME IN THEIR SYSTEM SO I WOULD HAVE TO START A DISPUTE WITH THE CREDIT BUREAU AND IT WILL BE DELETED. I DISPUTED IT WITH THE CREDIT BUREAUS AND IT IS STILL REPORTING.
Consumer complaint received 2021-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY (NV)

On XX/XX/XXXX, I outgoing wire transferred {$3000.00} from my Kabbage account to my XXXX XXXX brokerage account. For reference, Kabbage is not a bank, but a fintech company that has an account with XXXX XXXX XXXXk. And XXXX XXXX has an account with XXXX and receives the customer 's deposit money through XXXX. I logged in to my Kabbage account and fill out wire transfer form, Of course, I correctly typed my name and XXXX XXXX account number as Further Credit to. However, unfortunately, the money was transferred to XXXX 's XXXX XXXX account with the further credit XXXX XXXX account number missing. On the XX/XX/XXXX phone call, the XXXX XXXX Money Movement team confirmed to me the situation below. They confirmed that {$3000.00} was deposited into the XXXX ' account, but XXXX XXXX could not deposit the {$3000.00} into our XXXX ' account because my XXXX account number accidently was missing, so XXXX XXXX confirmed that the {$3000.00} was returned and deposited to XXXX XXXX on XX/XX/XXXX. And they asked me to contact Kabbage and gave me a Federal Transaction Reference # ( XXXX XXXX XXXX XXXX XXXX XXXX ) or XXXX XXXX QMGF XXXX XXXX XXXX. For over a month now, I have inquired countless times with Kabbage wire team and XXXX XXXX, but Kabbage says there is no record or indication of returned {$3000.00} from XXXX XXXX XXXX XXXX, so Kabbage team they are no longer responsible and can no longer help me It has been over a month with both companies only evading responsibility. I sent money by filling out the wire transfer form correctly without any mistakes, but It's so upset and angry situation that I couldn't find the {$3000.00}, so I couldn't sleep and feel like died. My wife is crying every day because she feel so unfair, nobody trying to help us. Please please help me so I can find {$3000.00}. This is a big money that more than 2 Month rent for me. my email is : XXXX My phone # : XXXX XXXX XXXX XXXX XXXX resolution dept. XXXX ext : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX KABBAGE ACCOUNT NUMBER XXXX XXXX XXXX Account number XXXX This is the wire transfer Form I fill out from my Kabbage online account. 
Beneficiary Account Name : XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Address : XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX XXXX XXXX Note : For Further Credit to XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2022-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2021-08-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX you have caused me.
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (MN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : Diversified Adjustment Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  SS Account Number XXXX XXXX Account Name : Unknown Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-04-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (FL)

My husband and I applied for a mortgage loan from XXXX XXXX at Caliber Home Loans. We were also working with a Mortgage Broker representing various other lenders in an effort to secure the most favorable rate. Throughout the process with Caliber Home Loans, XXXX XXXX, never once mentioned to us that her rate would include a charge for points. Throughout all phone conversations with her and in all of email exchanges back and forth, she never revealed to us that her interest rate of XXXX included a fee for points. On XX/XX/XXXX, we advised XXXX that our closing date was changed to XX/XX/XXXX, and we asked her to provide us with her firm rate quote as it was our intention to lock in the rate prior to our closing. She responded to our request exactly as follows : Hi there! Good news on moving the closing so we could lock. The market is bonkers and rates are really creeping hard. I locked you ahead of another bad pricing change so we are at 3.650 % right now and can get to the XX/XX/11 closing date. 

As you can see from her response above, she said nothing about points being charged. My husband responded to her at that time and advised her that we had an offer from another lender for 3.62 % with 0 points and asked if she could match that rate which was slightly lower and she responded by saying that they did not have that rate option but reminded us that she would not be charging us for an appraisal. Even though we advised that the other lender was not charging any points, she still did not disclose to us that her interest rate was based on points, which ultimately cost us an additional {$5900.00}. 

We did not realize that we were being charged points until we showed up for our closing and the closing agent pointed out the points being charged. XXXX did send us a rate disclosure document, electronically for signature, and on page XXXX, in fine print, the document showed the charge of {$5900.00}. From our perspective, she was deceptive and unethical by failing to disclose the points to us, but rather hiding them on page XXXX when she later sent forms over to us for electronic signature. If the terms of a business transaction are clear upfront, consumers are able to understand their options and effectively comparison shop. We had an expectation that Caliber Home Loans would compete fairly and ethically, but that is not how I would describe our interaction with this company. We will provide documentation of our claim. 
Thank you, XXXX & XXXX XXXX