davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Hello, I apply online for HSBC US BANK BONUS offer of {$350.00} the rules and the terms of this offer is to deposit {$10000.00} in new money keep the money on the account for 90 days from the day you deposit the fund than wait 60 days after that to get the {$350.00} bonus deposited directly to my checking account so I did exactly according to the bank rules I open a checking account on XX/XX/18 I funded the account with {$10000.00} on XX/XX/18 I waited 60 days before I touched the money I waited more than 60 days after I met all the requirements I call the bank customers service many times asking them about my bonus they offer to the consumer when they meet all the requirement they informed me the only thing they can do is to put inquiry about the issue to the back office and I have to wait for the respond I waited 5 months and 26 days and nothing happen I got zero. One girl called me from HSBC customer service she told me I was denied the bonus and she couldn't tell me the reason why I was denied the bank just denied me for NO reason or any explanation whatsoever BASICALLY HSBC bank took {$10000.00} from me and they invested it for almost 6 months and they gave me ZERO DOLLARS THEY BROKE THEIR PROMISE AND THEY DID NOT HONOR WHAT THEY ADVERTISE ONLINE OR AT THE BRANCH I THINK THIS IS NOT FAR FOR THE CONSUMERS TO BE TREATED LIKE THAT BUY GIANT BANK TAKING MONEY FROM HARD WORKING MIDDLE-CLASS PEOPLES AND THEY INVESTED IT IN THEIR PROJECT TO MAKE MILLIONS AND THEY GIVE THE CONSUMER ZERO DOLLARS I THINK THIS IS A TYPE OF SCAM
Consumer complaint received 2022-07-26
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Addresses XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX XXXX  AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

I have contacted Equifax regarding this inaccurate reporting. I disputed the items and requested a method of verification and they responded with XXXX XXXX as the data furnished. I in turn contacted XXXX XXXX and that have no record of such public information on my record. I have been given the complete run around and they have lied to me time and time again. This has impacted me form obtaining employment and is hindering me from obtaining any credit
Consumer complaint received 2022-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

As per my original complaint XXXX ( see attachment 1 ), I believe the bank and its representatives set a course to deprive and conspire, to obtain property by deception. 

I know the XXXX and XXXX  have added documentation to this CFPB file, further proving my original points of concern, as well as new findings triggered by the bank and their associates ' replies to the complaint. 

To further add to the already held internal servicing notes ( regarding repair funds showing funds received and disbursed ), I was recently sent ( and currently hold ) 99 pages of internal Shellpoint emails discussing my complaint. Reading them not only shows their failure to maintain or hold records, but also proves that they simply do not have the missing loan history, insurance funds, and or escrow account interest statement. It also portrays that they have not followed, nor do they understand, the SII RESPA rights and violations. As you will see in the attached ( see attachments 2 and 3 ), they are now pointing fingers, threatening litigation at each other. Reading further into them, you will see their compliance officers, and even the President of Shellpoint ( XXXX XXXX ) is CCed. With them having this knowledge, ethically, this shows conspiring from the top. 

The simple fact is, all parties aware are complicit. 
I know now that this started with XXXX, and that directly after my father 's death, a chain of incompetence was triggered ( by not processing the SII ), which then became an ongoing coverup. I see the additional teams and people have fallen prey as well. 
What has been uncovered over the last few months further proves that all have taken part to deprive and conspire to obtain property by deception. Looking into the SEC files shows additional issues that are more damaging. 
It's a mushroom effect, however, the lies and coverups have no foundation. Their team is looking for items that simply are not there ( no vaccination for this problem ). It's a house of cards and it reaches the top. 

Unable to answer any of the points in the original complaint and or the new findings, Shellpoint is now refusing to discuss the file and has referred me to their counsel. 

I did reach out to discuss all points from the original complaint, as well as the new findings and concerns, with their counsel ( followed by email ). Unfortunately, they too are unable to answer all the points. 

As stated in my original complaint, in order to start to resolve this, at this point, the bank needs to withdraw from all frivolous or deceitful actions. 

In pursuit of that statement, coupled with the new findings, yesterday I emailed their counsel, demanding that they discontinue the foreclosure action forthwith immediately. They are ethically obligated to do so. 

I still have hopes that the harm done can be rectified and I will continue to pursue this with the hopes of a mutually agreed resolution. I want nothing more than for my family and property to be made whole again.
Consumer complaint received 2022-07-26
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (CA)

I tried to cash a check from XXXX drawn a Chase bank account a a Chase bank branch in XXXX, CA. The clerk first said there will be a {$10.00} charge and then said he couldn't cash the check because XXXX would not allow the branches to cash Checks. I have never heard of this I thought if a check was drawn on a bank they had to cash it. I contacted XXXX and they caimed the bank was in error
Consumer complaint received 2018-11-25
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. (CA)

My ENTIRE CREDIT REPORT WAS DELETED after I submitted an Identity Theft Report in XX/XX/2017. 
Positive Accounts have been REMOVED and SUPRESSED FROM RE-REPORTING MY ACCOUNTS TO MY REPORTS! 
i CONTACTED THE cREDIT bUREAU AND WAS TOLD TO CONTACT THE CREDITORS THIS MISTAKE WAS MADE BY XXXX AND THEY ARE REQUIRED TO FIX THIS ISSUE AND REPLACE MY INFORMATION BACK ON MY REPORTS AS IT WAS BEFORE THEY DELETED IT. 
THEY DELETED INFORMATION FROM XXXX  XXXX, XXXX, AND XXXX XXXX XXXX XXXX ACCOUNTS THAT WERE NOT REPORTED AS FRAUD! 
THIS IS ILLEGAL TO TAMPER OR REMOVE WITH MY CREDIT ACCOUNTS THAT I HAVE NOT REPORTED TO BE CAUSED BY IDENTITY THEFT AND I NEVER DISPUTED ANY OF THEM! 
XXXX IS IN VIOLATION OF MY RIGHTS TO FAIR CREDIT REPORTING. XXXX  IS NOT LEGALLY ALLOWED TO REMOVE ACCOUNT INFORMATION THAT HAS BEEN REPORTED TO MY CREDIT REPORTS UNLESS AUTHORIZED TO DO SO WHICH THEY WERE NOT. 
XXXX  IS PREVENTING MY ACCOUNT CREDITORS FROM THEY'RE RIGHTS TO REPORT MY ACCOUNT INFORMATION AND THEY ALSO WILL TAKE ACTION WITH MY TO FILE A COMPLIANT IN COURT TO FORCE THIS ISSUE SINCE THIS HAS BECOME A PROBLEM FOR THEM BEFORE. I HAVE COMMUNICATED WITH XXXX  XXXX AND XXXX XXXX XXXX XXXX, AND XXXX.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (PA)

On XX/XX/2020 {$1900.00} was charged through 8 separate purchases to a merchant named 'Simply Surplus ' to my Goldman Sachs Apple Card . Upon receiving an unusual activity alert I immediately froze my account and called Apple Card. I never lost my card and the customer service representative told me it had probably been skimmed somewhere. They assured me that these charges were in fact fraudulent and that I would not need to pay anything. The customer service representative disputed each charge and said I would be receiving provisional credits. I never received provisional credits for the full amounts of these charges. They were either partial credits or none at all. I have called them every week as I have been going though this and have not gotten anyone to fix it. I recently called and they said one of the disputes had been sided in the merchants favor. The representative stated that this did not seem right as it was clearly fraud. Today there is still a balance of {$320.00} that is gaining interest every month. The 'overdue balance ' is having an extremely negative impact on my credit as it has dropped 200 points. I have called XXXX  to file a dispute with them to amend my credit report. 

Here are each of the separate transactions charged one after another. After I froze my card several move transactions were attempted under a different merchant name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-12
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: VEROS CREDIT, LLC. (CA)

I am going through a matter with Veros Credit from which I was loaning a car from them. My account has been closed since 2016. I had been receiving letters stating that they would be taking me to court about this matter in which I have also still be receiving harassing phone calls from them as well. I went and made a report onto the XXXX XXXX XXXX complaint website in which Veros responded and I did not agree. I would say maybe a week couldve been a few days or so Veros added negative remarks to my credit which caused my points to significantly drop. I have noticed that this is I fear retaliation because I have made the complaint I have proof that they have not been submitting or adding remarks or anything to my credit for some time so I feel all of a sudden I complain they have been going out and adding negative remarks to my credit. I contacted Veros and which I was basically told as long as they have my social and I have a account with them they are able to report and do whatever as they please.
Consumer complaint received 2023-03-25
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. (PA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-26
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Name : XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX XXXX  AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-26
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. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, i have still account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-07-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: FORD MOTOR CREDIT CO. (NY)

On XX/XX/2018 I leased a truck from Ford credit for 36 months for a monthly payment of {$570.00} per month which INCLUDED my NY sales tax. Due to COVID there are no new trucks to lease so have to extend my lease. Now Ford credit is insisting I have to pay an extra {$49.00} per month for ny sales tax IN ADDITION to the {$52.00} I am ALREADY PAYING in my monthly payments. I have called several times, spoke to several people at Ford credit no one can explain WHY I have to pay double taxes and they have no written explanation. However they insist I have to pay it. I spoke to ny state sale tax authority and they told me this is completely wrong.
Consumer complaint received 2022-07-26
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: OneMain Finance Corporation (PA)

Someone fraudulently applied for credit using my information. This is reflecting as a hard inquiry on my credit report and effecting negatively on my credit report. Ive called the company multiple times and they have not resolved or returned any of my calls.
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (AZ)

The list of inquiries and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiries listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX EMPLOYER : OTHER Date Updated : XX/XX/XXXX XXXX XXXX INQUIRY : XXXX XX/XX/XXXX
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

I am writing to bring to your attention a matter of concern regarding the adverse action taken against me, which I believe violates my rights under the Equal Credit Opportunity Act ( ECOA ). On XX/XX/year>, I received a notice from American Express stating that adverse action had been taken against my application for a Credit Card. The notice principal reason ( s ) stated that the decision was based on " FICO Score ''. However, I believe that this action was unjustified and discriminatory, and it has had a significant negative impact on my financial standing.

Statement of specific reason 12 CFR 1002.2 ( b ) ( 2 ) must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. Furthermore, Rules for Taking ApplicationsSection 202.5 of the Equal Credit Opportunity Act, Regulation B prohibits creditors from requesting and collecting specific personal information about an applicant that has no bearing on the applicant 's ability or willingness to repay the credit requested and could be used to discriminate against the applicant. As an applicant, I have the right to be treated fairly and without discrimination during the application process. 

I tried resolving this matter with American Express and was unable to resolve this matter.
Consumer complaint received 2023-03-25
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. (KY)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My identity was stolen me and my family will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED Companies listed below are reporting accounts obtained thru identity theft CAPITAL ONE
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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