davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

I opened an account with {$10000.00} on XX/XX/XXXX and deposited at HSBC Bank. I left the amount in there for the terms requirement and longer to received the {$350.00} bonus but never received it. I messaged the company after 120 days but was told to wait the full 8 weeks from the 90 days point. I was told at the time, I fulfilled the requirement and would get the bonus. I waited the full 8 weeks and chat with them again, just to be told the marketing team will be going in to it on XX/XX/XXXX. The message, I received is that the marketing team will investigate and get back to me within 3-5 business days. I waited until XX/XX/XXXX and still have not received a response. Here is the terms of the of the account. 

Advance checking {$350.00} bonus requirements Open new HSBC Advance checking account by XX/XX/XXXX Deposit a minimum qualifying balance of {$10000.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance
Consumer complaint received 2019-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

On XX/XX/XXXX 2019..I called Navient to get my account up to date. My past due amount was Due XXXX 2019. I explained to XXXX XXXX that I would pay the XXXX past due amount in three payments. I made a {$100.00} dollar payment with her over the phone and received an email confirmation. I called in on XX/XX/XXXX make the next {$100.00} dollars. I was told they didnt have any record of my payment. They researched and found out that XXXX XXXX made the payment through the wrong system. My money went to another whole company and they didnt have any control over it. I spoke with XXXX XXXX ( supervisor ) and he said that it would take them a month to return my money to me. I explained to him that I didnt have an extra {$100.00} dollars to give and I wouldnt receive in time to put back to account so I wouldnt receive a late fee for XXXX he wasnt willing to help at all
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XXXX   XXXX ,  2017  I had a balance of {$49.00}.  XXXX   XXXX ,  2017  I paid in full to a   XXXX   balance.  XXXX  I made a few purchases including on  XXXX   XXXX ,  2017  a bank check for {$1500.00} and a fee of {$47.00}. The {$1500.00} is to be interest free for 12 months. The  XXXX   XXXX  statement had a balance due of {$1700.00}. The difference in the balance of {$1700.00} - {$1500.00} = {$150.00} is all I needed to pay to avoid interest. However, in  XXXX  I paid {$120.00}  XXXX / XXXX / 17  and {$140.00}  XXXX / XXXX / 17  my total payments this period was {$260.00}. There should have been no interest charge for  XXXX   XXXX   XXXX  th all charge transactions were paid except balance of the {$1500.00}. The new statement has new charges that I just received and not due until  XXXX   XXXX  but there are interest charges on there too in the amount of {$19.00}. If the advance check is occurring interest that needs to be paid monthly I need to know so that I can pay off this card and close this account. I am paying off all charges monthly except the deferred so why am I being charged interest.
Consumer complaint received 2022-08-29
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. (FL)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$640.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 
2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$940.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 
3. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX This account is in accurate Please reinvestigate this account and DELETE THIS IMMEDIATELY 4. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence 5. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA
Consumer complaint received 2019-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (AR)

on XX/XX/2019, between XXXX and XXXX XXXX., US Bank sent out a third party vendor to my address # XXXX XXXX XXXX, XXXX , AR XXXX ( which is really in XXXX, Arkansas ) and they went in and winterized the house. The order # that was left on my front door was # XXXX ( name of company XXXX ), they stole a bunch of stuff out of my house and destroyed some of my stuff, which US Bank says I still own the property as of right now. I have made a list of all the stuff they stole. 

XXXX '' XXXX Digital Photo Frame Deluxe XXXX Coffee Maker and a box of coffee that was never opened ( both brand new ) XXXX Juicer Expensive pair of binoculars 1 or 2 totes, they threw my pictures in the floor and stole the tote they were in XXXX  Woven Clothes Basket, brand new A XXXX Digital Camera XXXX XXXX Lantern, still in the box A Single Serve Coffee Maker, stainless steel with a stainless steel cup that went with it XXXX  XXXX  XXXX Tree in a XXXX  box with soft gel like flowers on the ends of the branches They broke a brand new big picture frame They broke a new set of Owl Bowls in the kitchen XXXX XXXX XXXX XXXX Ice Cream Cone Maker XXXX and Stainless Steel Waffle Maker, brand new I've tried talking to US Bank several times, about this, and they won't help me. 

They won't give me the third party vendor 's phone number or anything either. 

US Bank should be liable since they are the ones who sent these people out to my house. 

Sincerely, XXXX XXXX XXXX phone XXXX Work phone XXXX
Consumer complaint received 2019-01-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2019 I had XXXX available in my checking account I paid a bill in the amount of XXXX that was debited immediately from my account leaving me an available balance of XXXX I received a text message after I paid the bill. later that night I had an emergency so I debit {$300.00} from my account and was notified I will receive {$35.00} overdraft fee for the transaction leaving my account negative XXXX. on XX/XX/2019 I receive notification my account is negative XXXX which is the amount including the overdraft fee. Then on XX/XX/2019 I receive notification that my account is overdrawn XXXX because my payment of XXXX that was debited immediately on XX/XX/2019 and the overdraft fee. This is not the 1st 2nd or 3rd time I have been charged for transactions that had been completed already.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My brother in law used my identity to apply for several credit cards. I then submitted an Identity Theft affidavit disputing those inquiries to the credit bureaus but it looks like they closed this account as a result. This account is mine and not a fraudulent account. I do not want this account closed because I need it to pay for my XXXX  medication.
Consumer complaint received 2019-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/18 I paid {$7.00} for a certified letter to Experian containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/18 I received confirmation that my certified packet was received by Experian. 
On XX/XX/18 I paid {$29.00} to my credit monitoring website, www.experian.com to refresh all three credit reports to review. I noticed that the two fraudulent accounts have Not been removed by Experian. 
According to The Fair Credit Reporting Act, Section 611, the Experian credit bureau has 30 days to investigate and remove the fraudulent account from the consumers credit report. 
It has not been over 90 days since I sent the original certified letters to Experian and the accounts have not been removed. 
I researched additionally ways to get help in fraudulent accounts and found the Consumer Finance Protection Bureau 's website to get assistance in removing items.
Consumer complaint received 2019-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I made a XX/XX/19 payment to HSBC bank for a consumer credit card ending in XXXX through an auto-payment set up to take the entire statement balance out of my account. 

Unbeknownst to me, the payment failed due to insufficient funds in the payment bank and the issue I have is that the credit card company HSBC failed to post the failed payment back to my account for 31 days and they waited to post it back to my account until a day after the next autopay posted ( the autopay was set up to pay the full statement balance on XX/XX/19 which did not reflect the returned payment ). HSBC waited until XXXX to post the returned payment. 

When I researched with the payment bank, I learned the payment was attempted and failed on XX/XX/19. The funds were never taken out due to a hold that was on a check that I had deposited. Thus HSBC ( the credit card bank ) would have had a failed pay and known that within 3-4 business days that the funds failed to come out of the payment bank, yet they sat on the return payment without posting it so that it wouldn't be paid off in full with the XXXX autopay, allowing them to unjustly enrich themselves by collecting additional interest from waiting until I received the XXXX statement ( 2 statements later ) and noticed that there was a problem. Any ethical bank would have posted back within a few business days and then at worst the funds would have been taken out with the next auto-payment. At best, they would have sent an email notifying three days after the payment that there was a payment issue ( I have email spam from them constantly so they have no trouble sending to me ). According to HSBC 's operators, no attempt was made to notify me there was a problem with a payment. 

On XX/XX/19 I spoke with several operators and several supervisors/operators that were supposedly managers with the company yet didn't seem to have any authority to resolve what seemed to be a fairly straightforward issue. Two of the four operators were XXXX XXXX, XXXX XXXX # XXXX. 

Had HSBC posted the failed payment back to my account in a timely manner, I would have been able to immediately taken care of the issue through autopay in XXXX or a manual payment. Since they didn't post the failed payment in a timely manner, when the returned the funds back they posted it on XX/XX/19 yet did so retroactively to the original payment date yet and thus charged me massive interest in arrears which I had no idea were accruing. 

All interest charges should be reversed since HSBC did not post the failed payment back in a timely manner so that 1 ) the following month 's XX/XX/19 autopay would take care of it, 2 ) or I could personally take care of it through an additional manual payment. I've already set up a payment for the failed payment as soon as I realized there was a problem which was on XX/XX/19 when I noticed the problem upon logging into my account.
Consumer complaint received 2019-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

On XX/XX/XXXX, USAA reversed a temporary deposit credit of {$60.00} from a poorly handled dispute opened on XX/XX/2018 On XX/XX/XXXX, they submitted another credit reversal for {$60.00} leaving my account {$48.00} negative. I have tried earnestly to reach someone with USAA dispute department to no avail. There were multiple representatives handling my personal information and I know this dispute has been handled poorly and unprofessionally. I would like them to return the {$60.00} they inadvertently took and close this dispute so I can leave USAA entirely. This is the second complaint I have made regarding USAA handling of my accounts and the dispute department.
Consumer complaint received 2019-11-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I have an advocate that is trying to help me understand this process and also advising me on what I should do. Her name is XXXX XXXX her phone number is XXXX. You may also contact and send information to her about my situation. Her email is XXXX This is the second time I am writing you about this same situation in which they said they will fix it, but haven't yet. 

I spoke to Freedom Mortgage ( Loan # XXXX ) Manager ID # XXXX, on the XXXX of XXXX of XXXX. He assured me that he would send in a request to have all the penalties and late payment fees remove off of my record going back to XXXX, and file a credit dispute to remove the 'late payment report ' off my credit record by the XXXX of XXXX of this year. Since I was never late paying my mortgage and they have received the refund check back from XXXX County Tax Collector. Freedom Mortgage had been applying the Property Tax to my mortgage even though I have a written, notarized document from XXXX County Tax department stating that I have a Tax Deferral that is active as long as I am occupying the property. 
I started getting notice from Freedom Mortgage and Certified letters from XX/XX/XXXX until XX/XX/XXXX saying that I owe a mortgage payment of {$2200.00}. On this date XX/XX/XXXX, I immediately called Freedom Mortgage and talk to a lady named XXXX ID # XXXX, she look at my file and stated that it says that they will not go back to the year XXXX to remove the penalties and because I did not pay the full mortgage which included the property tax. I have been paying the full amount but without the taxes. I was not late paying my mortgage. Now that they have their money back from XXXX County, they are still trying to make me pay more including the taxes which they already have. They are still giving me the run-around with this issue and is not trying to straightening it out at all. I mention to XXXX that this sounds like a 'Law Suit ' to me, because you all have lied to my credit bureau and refuse to fix it and knowing that I am on a fix income of {$790.00}. per month, you are trying to drain every last penny that I get from me. That's when she said she would see what she can do to fix the problem. At this point I am getting another run-around. This has been going on since XXXX of XXXX and it is now XXXX of XXXX, and all I get from Freedom Mortgage is we will try and fix it. I am so tire of this and I can't get out from under them because they have mess up my credit so bad that I can't get refinance from any other company and they refuse to fix it.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

Each time I have logged into my Experian account, I am greeted with a message that I am enrolled in a program called ExperianWorks and I never recall enrolling in such a program. There was no option to disenroll from this program, it was as if it was forced upon me. I tried several times to disenroll myself from this program but wasnt ' able to. Now, Experian has charged me XXXX for enrollment in this program that wasn't by my own volition and is preventing me from accessing my credit report and credit account until I have paid this charge. I feel that this is outright extortion by Experian for I have never enrolled in this program by my own volition. I have only used this credit card which they have stored as a payment for a single purchase of a credit report and Experian took that card and automatically enrolled me in a program which I do not desire to be enrolled in. I have attached the image that I am greeted with when I attempt to login to Experian to obtain my credit report and credit file. I am not allowed to access my credit report because they require me to make this payment for enrolled in a program I do not desire to be in, and have prevented me from disenrolling. 'thanks.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (NV)

I requested a payoff amount from Mr. Cooper to pay off my second mortgage. Prior to requesting the payoff request I paid my XX/XX/2018 payment. My payoff was to be paid by XX/XX/XXXX XX/XX/2018. On  XX/XX/218 via wire transfer I made a payment with XXXX XXXX. According to XXXX XXXX case # XXXX the payment was paid on XX/XX/2018. The payment was made to the specific account number indicated on Mr. Coopers payoff quote. Mr. Cooper is claiming that they did not receive the money. XXXX XXXX home mortgage ( the lien holder on my first mortgage ) somehow intercepted the money and credited my first loan. This is currently under investigation. I then made another wire transfer to the same account number with XXXX XXXX XXXX XXXX. The payment was received and credited on XX/XX/2018. Within the time frame that was indicated on my payoff documentation. I contacted Mr. Cooper several times regarding this issue. I informed Mr. Cooper of the initial problem on XX/XX/2018 regarding the transfer. I spoke with XXXX. My loan was paid off in XX/XX/2018. According to my documentation and my payment history I have never been late.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

There are 6-8 accounts that Experian keeps putting back on my profile that have been deleted several times as identity theft. I even submitted the police report, etc. and they keep re-adding it to my report. It is very frustrating.
Consumer complaint received 2021-08-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Merchants and Professional Bureau, Inc. (TX)

Subject signed no contract. Subject is XXXX and is a a Federally - Protected Entity covered under ADA. I do not know or owe the company implied. The company DBA Merchants & Professional Collection Bureau , Inc. " Re - aged '' to XX/XX/XXXX supposed date which is an illegal action under FCRA. Company origin of location in XXXX, MI XXXX. Company committed Fraud, Identity Theft on all private accounts. Company Merchants & Professional Collection Bureau , Inc. will be brought before Federal court for Non-Compliance Violations Section 616 Civil Liability for will noncompliance. Section 617 Civil Liability for negligent noncompliance under [ 15 U.S.C. subsection 16810 ] Subsection 619 Obtaining information under False pretenses [ 15 U.S.C. subsection 1681q ] intent to violate title U.S.C subsections 1681h and 1681i ( a ) as well as 609 of the ( FCRA ) .MPCB Inc. violated 610 ( a ) ( 1 ) and is implementing " Undue Economic Hardship '', Intimidation & Fear Tactics by hitting credit reports 20 pts. violating a person 's " Right to Privacy. '' as guaranteed under the FAIR CREDIT REPORTING ACT. " An FDCPA claim has nothing to do with whether the underlying debt is or is not valid, An FDCPA claim concerns the METHOD of collecting the debt. It does not arise out of the transaction creating the debt. " *Spears/Brennan appeal from the XXXX Superior Court [. ] Azar, 874 f. Supp. At 1318. * footnote : See 15 U.S.C. subsection 1692k ( governing civil liability under the Act. Also cited Transunion LLC v. Ramirez. If Merchants & Professional Collection Bureau Inc. violated Laws applicable to this magnitude, then Merchants & Professional Collection Bureau also violated FDCPA Section 807 ( 8 ) Subsection 807. False or misleading representations [ 15USC 1692e ] Communicating or threatening to communicate to any person credit information which is known or which is to be false, including the failure to communicate that a disputed debt is disputed. Metro 2 Compliance, Defamation & Willful injury US Court of Appeals Ninth Circuit, No oo-15946, Nelson vs. Chase Manhattan. FCRA Section 623 CUSHMAN, v. TRANSUNION CORPORATION, US Court of APPEALS for the Third Circuit Court Case 115 F. 3d 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ). Also submitted Richardson v. Fleet Bank of Massachusetts, Bryant v. TRW because the submission is not in " Good Faith '' pursuant to Subsection Subsection 607 ( b ). Submission if not resolved for injury and undue Economic Hardship, XXXX  & XXXX  XXXX, will be the following submission in Federal Court for damages of an undisclosed amount.