davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

- XX/XX/XXXX : Applied for HSBC Premier Checking account with the promotion to earn {$750.00} bonus by depositing $ XXXX and keep for 90 days. The terms stipulates the $ XXXX can be a combined balance of checking/saving/investment balance - XX/XX/XXXX : HSBC Premier Checking account approved. 
- XX/XX/XXXX : HSBC Direct Saving account opened - XX/XX/XXXX : Deposited $ XXXX into Premier checking account - XX/XX/XXXX : Transffered $ XXXX from checking account to saving account - XX/XX/XXXX : 90 days requirement has been met, but no bonus amount has been posted - XX/XX/XXXX : Checking account no longer appears online. Did online chat with HSBC agent, and was told the account was closed by the bank for {$0.00} balance. I inquired about the {$750.00} bonus as I have met all the terms required. Agent responded that since the checking account got closed, they will not provide the {$750.00} bonus. 
- Also called them on the phone, and was again told there is nothing they could do. 
- The terms of the promotion only specified that the combined balance of checking/saving/investment need to be $ XXXX or more for 90 days, which was clearly met. The bank can not simply close my checking account and refuse to pay me the {$750.00} bonus originally promised
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am letting you know, respectfully that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you will fix the situation. Here is the wrong info : Account Name : XXXX  XXXX, IN This account is reporting late on my credit report and I was never late with this account. The account is very inaccurate. It is also reporting being late on months that are not even on or matching the other reports. 

I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that Im trying to apply for because it is lowering my credit score big time. I have already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can not be reported. 

I take this very seriously and I would appreciate it if you remove the late payment mark off this account as soon as possible.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/2022 unauthorized mobile deposits were made to my account after two months the issue was resolved, most recently authorized mobile deposits were made and within hours my account was closed and i was told that the bank is ending their relationship with me due to fraudulant activity made to my account. I have bsnked with th3m.for 16 years. And never had this problem, they say that they dont take third party checks but a payroll check is a third party check. Due to this closure i am not able to open a account at another bank and i have a business to run
Consumer complaint received 2021-08-14
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: Santander Consumer USA Holdings Inc. (TN)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-01-19
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. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
I received A letter From XXXX XXXX XXXX  Account # XXXX. 
Has violated, my rights, I will be submitting the letter with violations codes. 
15 USC 1692 ( B ) ( 2 ) 15 USC1692 ( C ) ( A ) 15 USC 1692 ( D ) ( 2 ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( C ) ( A ) 15 USC 1692 ( D ) 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 2021-08-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (SC)

I was sent a collection debt by " medical data systems '', in the mail on or around about XX/XX/2021. I then sent a debt verification letter on XX/XX/2021 by certified mail to the debt collector to please verify that the debt was legally mine within 30 days or to remove the debt. I have received no verification letter to date, but the debt is still on my credit report. I am asking the cfpb to investigate. I have also been receiving harrassing phone calls almost on a daily basis. I don't know how they got my cell number.
Consumer complaint received 2019-03-12
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: WELLS FARGO & COMPANY (FL)

Hello I try 4 times to dispute same account and credit bureaus didn't show me any evidence the i get that account or that account is my. thank you
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

This is my more than 15th complaint against Select Portfolio Servicing ( SPS ). I always get same answers without fixing any root problem.

SPS never sent mortgage statement within a month, so that I can pay properly on time. SPS is doing this, so that I can not pay the actual amount on time, so they move to foreclose. This is not my complaint. I have talked many homeowners and this is SPS 's patented strategy to foreclose home illegally I still have NOT received Tax Information of 2020 from SPS. 

SPS harassing me every month for full and entire mortgage payment. 

SPS is engaged in privacy violations. 

cc. XXXX of California
Consumer complaint received 2018-12-06
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. (MO)

I am very upset due to inquiries that are being shown on my credit report. This was my last resort. I was told to contact the credit bureau and the credit bureau told me to contact the creditor but they told me to contact the credit bureau in which I did after sending them over 5 letters in which the last letter I send them was certified at the post office tracking number- XXXX XXXX XXXX XXXX XXXX in which it went ignored and transunion refused to remove these inquiries after I informed them that I didn't authorize anyone to run my credit and do any hard pulls placing damage to my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-01-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MN)

My mortgage company incorrectly increased my monthly premium by almost {$400.00} as a result of having incorrect information about my insurance and being double-billed for taxes. This was identified in Spring of 2020 and I immediately notified NewRez. For the next 7 ( SEVEN ) months, I called New Rez to get them to assess my mortgage for errors. Call after call, I was transferred every month to a new representative, a new supervisor, or a new team lead. It took me calling my finance friend to get on the phone with New Rez and demand answers. He gave me this website to formally complain about New Rez and the runaround I have been getting. My mortgage amount is still almost {$400.00} over the correct price, with no resolution in sight.
Consumer complaint received 2020-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

On XX/XX/2019 i responded to US Bank 's promotion for new customers, which they offered {$300.00} bonus whith a new checking account if {$2000.00} direct deposit was made the first 60 days and i did more than that.I opened the checking account @ ( US  BANK, XXXX XXXX XXXX , XXXX, CA. XXXX, ( XXXX ) XXXX ). I called on XX/XX/2019 US Bank and spoke to employee XXXX XXXX and his Manager XXXX XXXX to remind them that i fulfilled my obligation and both verified that. Until XX/XX/2019 i didn't received the bonus so i called again and spoke to Manager XXXX XXXX. This time he was Very Rude, Misleading, Yelling, XXXX. He refused to honor my bonus. Obviously he is either using different excuses so he can pocket the bonuses of new customers or US Bank 's use Gimmicks bonuses to attract new customers and never honor them, or both. In addition i was charged before the due date of three items  to be paid, 6  $ XXXX for overdraft protection that i never ordered. When i opened the account i asked XXXX XXXX to receive electronic statements, but i was charged {$2.00} fee6=XXXX monthly for mail statements which i never received. I do more than ten purchases with my debit card in order to avoid monthly charges, but I am charged $ XXXX per month. This is another example of a Bank behaving like a Criminal Enterprise without obeying any Law that Politicians drafted for them. After all this is purpose of Bribing Politicians, etc.
Consumer complaint received 2019-03-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I sent money to someone through XXXX for an alleged XXXX XXXX XXXX. A day later I messaged the seller to ask when it'll arrive to be blocked and scammed. I've already messaged my bank, Wells Fargo, and XXXX to be told I can't / won't be helped.
Consumer complaint received 2021-04-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On numerous occasions Transunion did not do a thorough investigation and refused to and disregard my disputes and demands to take Certified XXXX and all of the XXXX XXXX XXXX inquiries off my credit report. They are in violation of FCRA ... You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information.You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Consumer complaint received 2018-12-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I refer to case number XXXX. I want to make sure that it is clear that the final check i paid wells Fargo had nothing g to do with the principal of my loan. 
The check they cashews for XXXX XXXX of that was to pay them insurance money for insurance i no longer needed since I paid the loan. 
The bank demanded that I pay them this in order to close my account. Other parts of the payment was free etc. So other than refusing to apply a check they cashed, the check was not even for the principal of my loan. 

So this is also a complaint about wells Fargo forced insurance. They still forced insurance on a principal paid loan I can not allow wells Fargo keep possession of a home that I paid. I am not able to resolve to what they intend to do with lien release reimbursement. etc I need these questions answered.
Consumer complaint received 2019-08-16
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. (NY)

I have submitted disputes for inaccurate information that has been put on my credit report and experian refuses to investigate properly so that the items can be removed. Experian wont reinvestigate although i have advised them some of the accounts are not mine. I have been trying to get these accounts removed for over 6 months.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is a wrong account that i do not recognize as mine ... ..I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Consumer complaint received 2022-11-16
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)

Stay away from this dealership they discriminate against XXXX military veterans. I leased a car from them XX/XX/2021 and my credit was ran multiple times with the same bank. I called to get credit removal letter because the dealership made the mistake.When I called the dealership the rep on the phone refused to get me a manager or the corporate office information. I called back and spoke to XXXX when I told him I was going to file a CFPB complaint he hung the phone up on me.This dealership is making the brand look bad. I would go to another XXXX dealership in the XXXX XXXX especially when they discriminate on XXXX military combat veterans. I served XXXX XXXX XXXX in XXXX and should not have to come back to a country that treats you like XXXX. I am pleading do not go to this dealership for business. I feel like my rights were violated on every levels. I am filing a lawsuit.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX IS ILLEGALLY REPORTING DEBT WITH NO PROOF OF DEBT OR DEBT VALIDATION XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNTS : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-01-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-10-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (OR)

I am filing this complaint on behalf of both myself and the other borrowers that I assume are receiving the same dis-organized, confusing, and abusive treatment when trying to exit the COVID-19 Forbearance process. I suspect that this is systemic within Freedom Mortgage as they try to ramrod borrowers into signing documents without proper time to evaluate their options. The CFPB very publicly notified both borrowers and mortgage servicers that the kinds of abuses visited upon consumers during the mortgage crisis of the last recession would not be tolerated. It appears that it fell on deaf ears in so far as Freedom Mortgages process is concerned. 
On XX/XX/2021, I notified Freedom Mortgage that I intend to retain my home and am ready to resume making the monthly payments. Their representative told me to expect a package of documents within 7-10 days to start the process. 
XX/XX/2021 ( on or about ) attachment # 1 was received even though it is dated XX/XX/2021. 
XX/XX/2021 ( on or about ) attachment # 2 arrived even though it is dated XX/XX/2021. It said that I must accept the offer by XX/XX/XXXX. Note that they had not yet received my initial application and related documents. 
XX/XX/2021 the initial application and documents were put into the mail. See the Certificate of Mailing attached. 
XX/XX/2021 saw the evening XXXX  delivery of attachment # 3 even though the document is dated XX/XX/2021. It contained what appear to be the final legal documents requiring notarized signatures in a very short time frame. 
Please advise as to the acceptability of this process to the CFPB.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

HIGHEST BALANCE {$170.00} CREDITOR INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX BALANCE {$170.00} LAST REPORTED XX/XX/2024 ORIGINAL CREDITOR XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Its the fact you stated you didnt receive my identification to locate my file which I know is a stall tactic but I want to make sure you get it this way so you can stop saying you didnt get my certified mail and this is not an error that I'm resubmitting this.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (TX)

I was charged 4.5 dollars again!!!! 
In early XXXX, I was told I need to put {$500.00} into account to avoid the fee and I put {$550.00} dollars in. And Yesterday, I was charged 4.5 dollars again!!! 
I called and I was told this time I need to put {$1500.00} in to avoid bank fees. 
I am asking you to refund me the charge! 
Still, the refund was denied because of the {$30.00} refund limit. 

Last time, the nonsense charge is caused by Citi giving me XXXX dollars of interest and charging me 4.5 dollars of fee and then charging me 34 dollars of the overdraft fee.
Consumer complaint received 2021-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (PA)

I receive several calls throughout the day and night from Sequium. They never leave a message. I do not know what the calls are about because I do not answer. However, after discovering Sequium is a debt collection agency, I knew I was being targeted for something. I am confident I possess no outstanding debts that would warrant collection. I feel harassed and frightened.