davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
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: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and 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
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

This bank is crazy they lie when I file a complaint they never call me or get back to me just write an email they dont care enough their executive office and not only that I requested a line increase because Ive been with them for a long time and they have never increased my credit limit and they give me a hard time the reasons with their system returned payments when I dont have Any they wont correct or fix this I dont know who to get ahold of now today to my surprise they hurt me more I received a letter that they decreased my limit how is this fair so Im complaining that they wont increase and I dont agree with the reasons and today I get a letter saying they decreased my limit from {$2500.00} to {$600.00}!! This is a joke this is not fair how can they do this to me And get away with it totally unfair how this bank treats its loyal customers
Consumer complaint received 2021-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Knight Adjustment Bureau (UT)

XXXX XXXX  I never leased anything from them had no contract or verbal agreements and they are not my responsibility they falsely obtained my social and date of birth and a judgement without serving me papers I dispute this she want it overturned
Consumer complaint received 2021-04-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (VA)

Harassing calls XXXX ( XXXX & XXXX & XXXX XXXX, XXXX XXXX XXXX & XXXX, XX/XX/XXXX & XXXX ), XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX harassing calls and on XXXX a rep hung up in my face when I tried to ask who they are and refused to get a supervisor I even emailed Halsted financial asking them to not call me
Consumer complaint received 2020-12-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I used XXXX money transfer service in Bank of America online to transfer {$3000.00} to my mom on XX/XX/2020. The transfer service requires that you use a phone number or email to send to the recipient : in this case, I used my moms cell phone number. My mom registered her XXXX account a few hours later the same day of transfer using her cell phone number. The transaction was marked completed ; however, the money was never deposited into my moms account. I contacted the XXXX Recall Team at Bank of America to file a claim. They said it would take up to 40 days to investigate. After 40 days. Bank of America said that the money was deposited to the recipients account, which it did not. I reached out to the XXXX team again this time with my mom on a 3-way call to verify that she did not receive the funds. Bank of America said that the money was deposited to an account that had the same phone number as my mom, before my mom registered her phone number with XXXX the day of transfer. My mom has had the same cell phone number for over 15 years. This fraudulent activity is due to a token error during transaction processing. Someone was able to verify a phone number to set up their XXXX account as the same mobile number as my mom causing the deposit to the wrong account.
Consumer complaint received 2020-11-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

I applied for a refinance with AMERISAVE Mortgage. In the beginning of the process, they requested a ton of documents and I responded to each immediately by uploading the requested document. Then I received a notification that the upfront loan fee of {$500.00} had to be paid to continue the refinance process. Additional records including changing the mortgage company name on my homeowner 's insurance policy were requested, done, and uploaded. I have attempted to call every phone number on the web and on the emails for this company and now all the phones are disconnected and no longer in service. They took my money and they have all my personal information. What can I do?
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC (FL)

Account with Dave XXXX compromised. Suspicious activity began on on XX/XX/XXXX when an advance was requested. I attempted to remedy this situation with them many times and recieved no response. 

On XX/XX/XXXX, I consolidated my funds into the dave account to make a rent payment, and within an hour my funds were drained from the account by XXXX transactions. I had never done business with the merchant in question, and the merchant was based in New Jersey while I live in Florida. The charges were made using a digital card. 

I attempted to dispute these charges twice and each time was told the activity was consistent with past activity. During these investigations, the personal info on my account was changed multiple times. After realizing this, I asked Dave to freeze the account pending investigation and not allow any more changes. 

While waiting for a response my account was promptly closed and deleted and I no longer have any way to contact anyone over the phone. The only correspondence possible is via email where they continue to tell me the same thing.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CT)

On XX/XX/XXXX I made an in store purchase at the Best Buy store in XXXX, CT in the amount of {$540.00}. I was assisted by a Best Buy associate for this in store purchase. After ringing up all of my purchases I was advised by this associate that if I opened a new Best Buy credit card I would earn a {$50.00} statement credit as a promotion for becoming a new Best Buy credit card customer. I asked if I could pay the credit card balance immediately in store and was advised no, that I would have to wait for my first statement but that the first statement would reflect the promotional credit. I did not have any reason to believe this was not true, so I proceeded with the transaction. Recently, I received my first bill and I noticed right away that the promised statement credit was never applied to my balance. Today, Wednesday XX/XX/XXXX I spent XXXX hour and XXXX minutes on the phone trying to get resolution to this issue. I can not get through to anyone via phone at the XXXX, CT location. When I called XXXX ( the phone number on the back of my new Best Buy credit card ) I was transferred a total of 5 times with the final transfer resulting in a XXXX minute wait on hold until I finally gave up and hung up. Best Buy customer service told me I need to speak to Best Buy credit card service about the issue. I was transferred to credit card services who told me I need to speak with Best Buy rewards about the issue. Best Buy rewards tried to transfer me back to credit card services at which time I explained to them I had already spoken to credit card services. I was then transferred to an international customer care representative who put me on hold repeatedly, kept apologizing for her poor internet connection, and ultimately had no idea what I was talking about. She kept asking for my order number. I explained to her that this was not an issue with an online order it was an issue with a credit card statement at which time she placed me on hold for the final time and never came back. So I hung up. I am furious, I feel as though I was the victim of deceptive marketing and sales tactics by Best Buy. Many representatives told me that the in store associate must have been confused, and gave me bad information. I understand that this is a possibility, but I do not believe that it is my fault. I believe I am due the credit I was promised and that Best Buy has a long way to go in the customer service arena as my experience with them today was terrible. I am happy to provide any further information needed by CFPB.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 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 XX/XX/XXXX
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

HSBC premier Credit Card. 

I receive monthly statement hard copy almost always less than two weeks before DUE DATE. I have to online check payment every month before receiving the hard copy of the statement and send a check to HSBC. 

However, starting XX/XX/2021, HSBC website does not allow to review monthly statement, including current payment and previous monthly statements if a customer chooses receiving hard copy of monthly statement. 

Only person who chooses E-Statement-Only can online review monthly statements. 

HSBC is trying to force costumers to choose E-Statement-only by providing better and convenient services to them. It is a discrimination against people who would not choose E-services only. 

XXXX XXXX, MD XXXX XXXX
Consumer complaint received 2020-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (TX)

A fraudulent medical bill that was opened in my name has been sold to another collection agency after the credit bureaus blocked and deleted this account 24-36 months ago. Phoenix Financial Services is reporting a fraudulent {$550.00} account from identity theft. A police report with the XXXX Police Department has been listed within the id theft report and attached to this complaint against Phoenix Financial Services.
Consumer complaint received 2021-07-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (TX)

Property : XXXX XXXX XXXX. XXXX XXXX, TX XXXX. 
Lender : New American Funding. 
Loan amount : {$230000.00}. 
Type : VA Loan I am a XXXX veteran, exempt from pay the VA funding fee ( {$3.00} XXXX ). 
New American funding provided me a misleading closing cost disclosure worksheet, with inaccurate fees. and they added the VA funding fee amount to the loan amount, and refused to remove it from the closing paperwork. 
I voiced my concerns to remove the fee, per VA regulations, but the officers who are processing the loan keep giving me the run around. and excuses but will not remove the fee from the closing disclosure. 
My closing date is approaching ( possibly XX/XX/XXXX ) but the officers are telling me that it will be removed, but yet providing the title company the erroneoNirtus closing cost disclosure. 
The title company ( XXXX XXXX XXXX ) is telling me that they can not remove the VA funding fee without instructions from the lender.
Consumer complaint received 2021-07-19
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. (MO)

The following accounts should not be reporting on my credit file, at this point these accounts are fraudulent and therefore I'm demanding that they be removed. 

1. Acct XXXX XXXX {$110.00} 2. Acct XXXX XXXX  {$70.00} 3. XXXX XXXX  Account 4. XXXX XXXX Account
Consumer complaint received 2021-05-30
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. (TX)

There is a delinquent account listed on my TransUnion credit report. The account listed was never opened by me and yet TransUnion refuses to remove it from my credit report. I disputed this with TransUnion and they wrote back that it was verified with the lender. If an account was opened, this was done fraudulently and without my knowledge. I have the following information : Original creditor listed : XXXX XXXX XXXX balance : {$710.00} Listed date account was opened : XXXX As I stated above, I never opened this account, and no one ever contacted me during this so called " investigation '' by TransUnion. This account is not mine.
Consumer complaint received 2021-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have requested my credit report on five separate occasions. They won't give me a report, I am being denied credit and being denied access to review and correct my report. Transunion refuses to let me review and dispute inaccurate information. I am being held XXXX by this unscrupulous credit bureau.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

I have had trouble getting in touch with Experian to get a copy of my credit report. I have tried on line ; their website times out after I give them my info. On the phone I have not been able to speak with a human being, only a robot with no access available to a agent.
Consumer complaint received 2020-11-23
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: Experian Information Solutions Inc. (TX)

XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet I feel like im being taken advantage of and being ignored of mh Disputes Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from mh Credit report it has been over 60 days so they should be deleted promptlyle I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands
Consumer complaint received 2021-12-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

The original creditor XXXX XXXX  BANK for this collection account sent me a letter dated XX/XX/2020 stating that they are not holding me responsible for said account and will request that this tradeline be removed from the consumer reporting agencies. This said creditor instead sold it to a collection agency and now it's reporting on my credit as a collection. This has never been my account and was part of identity theft and the FTC report was sent to said creditor XX/XX/2020. I have not been able to contact XXXX XXXX Bank and Midland Credit ( THE DEBT BUYER ) was so rude I got nowhere with them. All I'm asking is this be removed from all my credit reports as this is not my account, has never been my account, and was held not responsible via original creditor. I also have said letter if a copy is needed for verification. 

Thank You XXXX XXXX
Consumer complaint received 2021-07-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COAST PROFESSIONAL INC (NY)

Frivolous and misrepresentation of informations sent to three credit bureaus causing me financial injury and economic harm. The information reported by Coast Professional inc to three credit bureaus for {$47000.00} is at 40 % as delinquent is in accurate and violation of Federal Truth In Lending Act and FTC Law.
Consumer complaint received 2023-01-18
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. (VA)

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 # XXXX 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 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXXBalance Owed : {$16000.00} XXXX XXXX  XXXXBalance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$480.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX Balance Owed : {$24000.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance Owed : {$980.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2021-05-30
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. (NY)

XXXX is not updating my credit report. How is that XXXX has the same amount of credit accounts that XXXX have and my XXXX  credit report not being updated. XXXX scores XXXX and equifax is XXXX. It's obvious that XXXX is not updating properly. My financial opportunities and future financial growth is not favorable and sends a confusing message to future creditors. As a person of XXXX these discriminatory disparities is unfair and this is an honest attempt to remedy these contant and consistent acts of XXXX who continues to blame the creditors. The creditor are updating on XXXX who has the same accounts as XXXX. This feels like a scam and if not corrected I will be false to bring legal action.