davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I went into a branch located at XXXX XXXX XXXX XXXX NY to simply move funds out of my HSBC Savings Account. GIven the sum of the withdrawal I requested a bank check. After 45 minutes of physically being in the branch and speaking to the floor manager who had been speaking with somebody over email ( not sure why not over a phone call ) the bank check was finally approved. They could not print the bank check though because their printer was inoperable. I asked for them to write a check since a broken printer could not simply render a banking institution inoperable. They told me this was not possible. I asked for cash, this was also not possible. I was told by my banking relationship manager ( XXXX XXXX tel XXXX ) that I could go to another branch, come back when this current branch 's printer was working, or they could mail me a check. This is an unacceptable outcome after waiting in the branch for 45 minutes. How can a banking institution not allow a customer to withdraw funds?
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I applied to my credit union for a home refinance. At that time I was asked to unfreeze the " big three '' credit reports as I keep them frozen. I did this successfully with XXXX and XXXX without any problems. When attempting to unfreeze the transunion report online it could not locate my report and told me to call customer service. I called customer service on XXXX at their customer service number. They said I would need to call " the United States dept '' the following day during business hours via the same customer service number. I called them on XXXX during business hours. They told me they unfroze the report. I have repeatedly attempted to access my report through their online service to no avail. I called customer service a third time today XX/XX/XXXX at around XXXX XXXX. I was again told the credit report was unfrozen and that I needed to call the online service as that seemed to be the problem. My bank attempted to pull the report yet again and I received an email saying it was denied because my credit report was frozen. I was then told by the online service that they could not locate my credit report and to call customer service. This would be the FOURTH call to customer service with fingers being pointed from one dept to another.
Consumer complaint received 2019-03-11
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC (CA)

Home is passed on and had to go through probate, I obtained full authority to sell the home. On XX/XX/XXXX letter of intent with probate documents was sent over to the bank. I was told by a representative this is all I needed to submit. I spent money on making repairs to the home to make it available to sell. I listed the home on XX/XX/XXXX. I authorized my realtor to keep in touch with the bank and she was advised that their was no sale date on the property and that if that came about I would be granted an extension. I now have a sale date of XX/XX/XXXX, I have asked for an extension and have been told that I'm not able to be granted and extension due to timelines and not providing proper documentation. Of which I followed everything they asked for but now state I didn't submit it on time??? 

Please help I'm beyond stressed and have tried everything on my end to abide by their timelines and process. My mothers death was very hard on me and I'm trying to tie up all these loose ends. I just need a bit more time.
Consumer complaint received 2019-03-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc. (CA)

I just received a notice for a debt collection for credit card for XXXX XXXX, formerly XXXX ( per company rep ) for {$3300.00}. When I called the company about the notice, I was told the account was opened on XX/XX/XXXX and the last payment was made on XX/XX/XXXX. 

I checked my credit reports and this account has never been reported or have I received notice. In addition, this " account '' is over XXXX years old. Per California law, the statue of limitations is 4 years. This exceeds the statue of limitations and is not collectible.
Consumer complaint received 2020-09-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: KEYCORP (NY)

I had a loan with XXXX XXXX, well now key bank, my car was repossessed in XXXX for 1 week, yet the bank reported that my car was repossessed for 18 months, I traded my car in to a dealership in XXXX of XXXXyet my credit report shows that the car was repossessed and it wasn't for that long.i have contacted key bank and requested for a pay statement summary of my car loan, still waiting to recieve that.
Consumer complaint received 2017-12-14
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: Experian Information Solutions Inc. (AL)

My husband informed me that XXXX XXXX - XXXX verbally denied his application for rental with their property management company because of the reporting of an adverse account on my credit report. I never received any written notification of this decision ; but subsequently requested a copy of my credit report to investigate this issue. 

I never took any action to apply for rental from this company, nor did I at any time give verbal nor written consent to this entity to perform a credit history inquiry on me using my social security number. 

Further, I made an in person visit to the XXXX XXXX rental office and requested a copy of the application that my husband filled out. I was advised by both XXXX XXXX and XXXX XXXX/XXXX XXXX that they have no such application on file under my social security number or name.
Consumer complaint received 2024-03-01
Product: Credit reporting 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: EQUIFAX, INC. (OH)

XX/XX/2024 - I attempted to log in to the Equifax website for the purpose of managing a credit freeze. I store my site password in a password manager so it's not mistyped. The site reported an incorrect password entry, and I attempted to use the " need help signing in '' link. The system took me to their recovery page where I entered the requested info to verify my identity. The system then reported " We are temporarily unable to complete this request. Please try again later ''. I made several attempts, and got the same error. So, I have no access to my Equifax file. I did a quick XXXX search for this problem, and came across numerous reports of the exact same issue I experienced, going back several years.
Consumer complaint received 2020-12-02
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. (TX)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion, XXXX and XXXX The complaint numbers were XXXX ( XXXX ), XXXX ( TransUnion ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of TransUnion, XXXX and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything ; in fact some have stated my complaints were duplicated ( when in fact 1 was for my husband ) or that they would investigate and send me the results but I have YET to receive anything! I have also ready that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2017-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

On XXXX-XXXX-2017. Coinbase communicated to me via email to confirm new devices with IP address  from XXXX and XXXX, asking me to immediately disable the account in case you do not recognize these activities I live in XXXX, and so I followed their advice by disabling my account through a link sent to me by coinbase. The problem that now I can no longer access my account and I 'm worried about my deposited money, the support always responds with a robotic message. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For fraud and scam Thank you for this chance
Consumer complaint received 2022-02-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2022-11-17
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Inaccurate and a fraudulent account reported from my credit report. Contacted debt collector asked for proof of the alleged debt, specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting a misleading false account. This account was XXXX - XXXX.
Consumer complaint received 2020-12-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I had {$800.00} withdrawn from my savings account and have not been able to recover my money. Chase had reversed the funds than withdrew them after they denied the claim. The transaction was made physically at a Chase branch location in the city of XXXX XXXX. There were 2 prior withdrawals made from the same location from my savings those 2 separate transactions were for {$1000.00} and {$750.00}. Chase reversed those transactions which were made in the same fraudulent manner. I have exhausted many hours calling them to try and resolve this issue. They requested documents from my employer regarding my work schedule to prove that I was at home working remotely when this transaction was done. I tried filing a police report and was told that there was nothing that they could do since it had to be filed by Chase. I've requested from Chase to review the ATM camera footage so they can see it is not me that made any of these transactions, to which I've been told they can't unless they get a subpoena request. I was told by the claims department that there are con artist dedicated to making copies of the ATM cards and since I had not changed my pin when i was issued a new card that's how they were able to do it. I was issued a card and I went in to a physical branch to have my pin changed. I have spoken to numerous Supervisors at the Claims department to be told that I need to take this outside of Chase to try and pursue getting my money.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

Use of alias names. Not used by me. Someone's error in using my name. 
Repeated information about one account using multiple account numbers. 
Repeated soft inquiries by Auto sales personnel resulting in lowered scores to adversely affect opportunity for purchase at lower cost. Illegal increasing costs.
Consumer complaint received 2023-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/, I same-day domestic wire transferred {$26000.00} from my XXXX XXXX XXXX XXXX XXXX ) Business Account ending in XXXX to Wells Fargo Bank ( WFB ) for beneficiary/account holder of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. According to XXXX, WFB accepted the wire on XX/XX/. However, the following week, my vendor XXXX still had not received funds into their account. When she called WFB, they told her that they were awaiting additional information from XXXX. I called XXXX and they told me that they sent the additional information. Still, the funds sat unreleased for a couple of weeks. On XX/XX/, funds had still not been released to the beneficiary and I initiated the wire recall to my bank of XXXX. I was told that WFB could take up to 24-48 hours to acknowledge the recall and from there, it would be unknown when my account at XXXX would again see my money returned into my account. Today, XX/XX/, I called XXXX to inquire the status and they told me that WFB has not yet acknowledged the recall and they do not have the ability to take funds back from them. My complaint is that WFB is illegally holding funds that do not belong to them, not informing their account holder or BofA of the status or informational needs to release funds and I believe that WFB is in violation of Federal Banking laws and consumer protection rights. I want either the funds to be returned to my BofA account immediately or released to the beneficiary that I originally intended.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

CITI Bank has paid us a promotional cash bonus of {$700.00} in 2020. At the time, CITI Bank stated that this payment of {$700.00} will be reported to IRS as either XXXX or XXXX. 
However, CITI Bank never sent us a copy of the XXXX form they filed with the IRS. After repeated requests, CITI Bank still failed to send us a copy, delaying the filing of our tax return.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2021-08-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

On XX/XX/2021. I received a call from an Amerisave LO ( loan originator ). Informing me of my great chances of getting an approval refinancing my home. Yes, I was looking to refinance. He promised me the moon and beyond. I explained to him that I was rejected before by another institution, because my DTI was around 49 % to 50 %. I know that was my mistake. But I stated that we payed all our debts on XX/XX/XXXX and we lower our DTI to around 35 %. We payed over $ XXXX, so we can be in compliance and don't repeat the same mistake again. Imagine having DTI 35 % and LTV of 36 %. Plus a household income of {$3900.00} monthly. Of course that LO from Amerisave is going o promise me the moon. Even though having all that excellent info. Amerisave and all their LO have their unique internal policy of charging {$500.00} in advance on the first call. When he said that I won't have any problem at all getting my refinance done. So I accepted. Big mistake. Those LO salesmen, they don't care about you neither Amerisave. They just want their commission and stay on commission-based payroll. After one whole month without hearing from them, calling and emailing, they finally answered. Asking me " Im looking at your application now..In the income section its only showing {$1.00} monthly incomeIs this correct? " ... WHAT? ... that's not what I said, I said {$3700.00} and the paystubs proves it. So in other words somebody screw-up. After another month of pointing fingers. Now they telling me : because we stop working for furlough in Florida during the pandemic between XXXX. they can't continue the application. Under XXXX XXXX Guidance, there are exception to that, when the applicant is been working for at least 6 month and continue working by the time you apply. So what's the problem now? It's been a year since that furlough, making an average of {$3900.00}. But no, they just decided to throw away my application and keep the {$500.00} in advance. So what's the business here? living of commission or getting things done and get new customers? I spoke with many people in their Institution, but nobody cares. They just don't answer my emails anymore. But suddenly I received yesterday XX/XX/XXXX another email inviting me to apply again with them. Are they in some kind of medication or what? 
I want my {$500.00} now.
Consumer complaint received 2017-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX has a collection company named XXXX XXXX XXXX XXXX whom continues to add a debt to my credit report. I have never had a cell phone with their company ever. I have asked for them to remove it and they have never responded to my request. I 've asked the XXXX to remove it and XXXX aka XXXX XXXX XXXXXXXX XXXX continues to report it to them in the amount of {$560.00}. They report that the account was opened XXXX XXXX 2014. I have lived off of the power grid and an area where their services are not offered or available for up to an hour from my home for six years .... I have no need for their services nor have I ever had their services. 
I would like this debt removed. I have NEVER had an account with them.
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (IL)

The list of accounts Below has violated my federal protected consumer rights to privacy and confidentiality pursuant to the FCRA codified at 15 U.S.C 1681 b ( a ) 3 ( f ) ( i ). 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am willing to settle for {$1000.00} in civil liability damages I have suffered as a result of your violation persuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S C. 1681n ] , or Deletion.

Should you refuse to settle or Delete within ten ( 10 ) calender days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2017-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

i had $XXXX added to my paypal account on monday XX/XX/17 and paypal refuses to release my money to my account after telling me everyday what i have to do to receive it which ive done everything and they still will not help me receive my money everyone ive talked to have lied to me just enough to get me off the phone or hang up on me