davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (SC)

My name is XXXX XXXX. I am a XXXX XXXX XXXX  male. I currently suffer from XXXX XXXX ( XXXX XXXX XXXX   ) and XXXX XXXX ( XXXX XXXX XXXX ). As anyone may know, finding employment with any single XXXX   factor can become an undertakinglet alone having been diagnosed with two. I bring up my XXXX and race simply because I have been taken advantage of by HSBC. I have filed a complaint before and have remained in contact with respective partiesyet after nearly five months there has been no avail. One particular person by the name of XXXX XXXX, has lied on multiple occasions about the succession release of funds to my account. Consequently, my businesses have dwindledthus my source for providing sustenance for my family and myself have vanquished. Moments have become extremely perilous. In fact, I rationalize food and shelter with life saving medication. I have pleaded with XXXX on many occasions to help save my XXXX XXXX XXXX XXXXunfortunately, she continuously refuted. Nevertheless, after many days, weeks, and months without resolveI accord the CFPD once again for guidance and due diligence to bring about a resolute. Again, I know I am XXXX XXXX, XXXX, and disadvantagedbut this is no way a financial instate of this standard should discriminate against the disadvantage. I have reached out to HSBC nearly 200 times during the span of 5 months and each plea has been cascaded with hollow vacant responses.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

I have a credit card with Fidelity 2 % cash back At the start of covid 19, I was let go temporarily and notified them I may be late on a payment, however that was not the case, I made all my payments on time, and they reduce my original spending limit from {$25000.00} credit limit to {$16000.00} with no warning or no legal reasoning. I have never been late on my payments and I have good standing, I would like my credit limit restored to {$25000.00}.
Consumer complaint received 2020-09-22
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: Bridgecrest Acceptance Corporation (NV)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.
Consumer complaint received 2017-08-09
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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (MD)

Dear CFPB, Target / TD bank has been reporting a charge off on my credit report for years. I have tried countless times to call Target and have been unsuccessful. The negative mark has prevented me from purchasing a home and left me in the perpetual cycle of renting and being unable to build any type of financial security. I asked Target to verify this debt and disputed multiple times with various bureaus. They report that it is verified without sending me any information. This Target account could be any number of people with the same name. It is not my address. It has a XXXX balance and claims a payment was made in 2013 but they will not provide any proof or documentation to substantiate their claim. Would you please assist me in getting this charge off removed from my credit report immediately? Target has n't responded to any of my requests and I really need your help. I greatly admire all of the work you are doing to help the little people like me! Thank you in advance,
Consumer complaint received 2017-08-09
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.
Consumer complaint received 2024-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit A*R, Inc. (IL)

I was assured by XXXX XXXX of Summit Collects that a {$35000.00} payment at the time of my sale of my property fully satisfied a judgement a former attorney had placed on me. ( Please note that that former attorney is being investigated by the XXXX XXXX XXXX XXXX XXXX with the Office of Attorney Regulation Counsel ) but regardless, I opted to make the payment. XXXX XXXX stated affirmatively in writing that the $ XXXX was the full payment but then her client, XXXX XXXX XXXX said after the sale of the property that the payment was only " partial satisfaction. '' XXXX XXXX told me that he was wrong, that it was FULL satisfaction. But then he ordered her to not communicate with me anymore and she has not responded. 

Further, I had asked her multiple times to provide me with an accounting of her firm 's collection fees and she to date, has failed to provide that. 

Further, in an email that her client XXXX XXXX submitted to the XXXX XXXX XXXX, XXXX XXXX calls me a " fool '' and wrongly accuses me of " playing games '' even though in good faith I had been regularly in touch with her agency... they ignored me for months.
Consumer complaint received 2023-02-07
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. (GA)

Please delete these inquires as they do not belong to me. I have included the identity theft report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I opened an account with HSBC on XXXX XXXX I moved all my payments to go into that account I had a payment that was due to go into the account on XX/XX/XXXX for XXXX and XXXX both payments have not gone into the account as the imitations team have put a hold or block on the account I have been to the branch 3 times and provided XXXX XXXX statement and proof of adress they have on there system currently I have phoned on multiple occasions also as I need the money to pay rent ( now overdue and bills also over due ) and for food my partner is XXXX and so is my daughter who are both vulnerable the bank have encashed the payment and told me to wait 3-4 weeks for the check and then the money would be credited to the account how ever I asked for the payment to be bounced back to sender so I can be paid a different way which they refused and want to hold onto the money for 3-4 weeks which is illegal. I had a 20 payment from a family member sent to the account but that bounced back as no money can be credited or debited to the account at this current time due to the hold how ever they did not return the money in question and think they can hold onto it leaving me without any food for me and my young family and no money to live or pay bills and rent they dont care and people in branch also didnt seem to care either.
Consumer complaint received 2020-09-22
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. (AL)

I LOOKED AT MY CREDIT REPORT AND I AM IN DISBLIEF AT HOW MANY FRAUDULENT ACCOUNTS ARE ON MY CREDIT PROFIEL. SOMEONE HAS MY INFORMATION AND THEY ARE FRAUDULENTLY USING MY INFO WITHOUT MY PERMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RentDebt Automated Collections, LLC (GA)

I have disputed Rent Debt on my report several times. The account is paid and closed as of XX/XX/2023. The account keeps getting reported as open. Also, XXXX has made it impossible for me to dispute online on my own. When I call in I am giving a hard time with disputing. I want my capabilities to dispute on my own reestablished.
Consumer complaint received 2021-03-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I want to get them all to delete my personal information. I don't want anything to do with for profit agencies that sell my information and are subject to massive security breaches. We should have the option to do business with such agencies and the right to consent to them possessing sensitive data.
Consumer complaint received 2020-09-22
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)

I LOOKED AT MY CREDIT REPORT AND I AM IN DISBLIEF AT HOW MANY FRAUDULENT ACCOUNTS ARE ON MY CREDIT PROFIEL. SOMEONE HAS MY INFORMATION AND THEY ARE FRAUDULENTLY USING MY INFO WITHOUT MY PERMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2017-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

FedLoan, a company that " manages '' student loan repayment, has consistently made errors in processing my account and paperwork. I consolidated my loans two years ago and set up IBR and direct debit. I have a considerable amount in student loans ( over {$80000.00} ) and wanted to take advantage of the great new loan repayment options. Every year, I have to submit an updated application and my taxes to calculate the IBR. I did so in XX/XX/XXXX. In XX/XX/XXXX, I received messages that I did not submit my paperwork and my payments would go from {$150.00} to over {$900.00}. I contacted the company immediately and was told that I did n't submit anything. I asked them to look again and they found it. It had been there all along. It was complete and ready to be processed. I sent in the paperwork early because I my job was going to be changing in the summer and I did n't want to have anything else to worry about. My options for correcting their mistakes ( which apparently was on me and not them ) were to go into collections or put my loans into deferment ( with accruing interest ) until they could resolve the issue. I asked the customer service rep if it sounds like I am being penalized for their mistake and her response was " yes. '' I also submitted a public service loan forgiveness ( PSLF ) form in XX/XX/XXXX. It came up on my account, but when I called and asked why payments were n't going toward that program, I was told that they did n't have my paperwork. I asked if I had to resubmit it every year and the customer service rep said no, but I should send another one anyway. I sent it in and it was rejected for not having complete information. As far as I can tell, everything was complete and correct. Now I have to resubmit the form for the THIRD time in TWO years. If I were this incompetent in my workplace, I 'd never get a job again.
Fast forward to XX/XX/XXXX. My first recalculated IBR payment is taken from my bank account. I knew it was coming and was prepared. Then I started getting emails that I had n't made any payments and my accounts were delinquent. I called the company and after a very frustrating phone call, I learned that when my loans were put back into repayment through direct debit, they forgot to include one. I went in and fixed it, but once again, mistakes on their part become my responsibility to fix.
Consumer complaint received 2024-05-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (OH)

I was given a gift card from vanilla gift as a wedding present that was emptied before it was activated. To date the card has never been properly activated, but there is a transaction on the card that emptied it.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I sent a letter dated XX/XX/2023 asking Toyota Motor Credit to Remove an inaccurate item from my credit report. They didn't respond and therefore it needs to be removed. It is severely damaging my financial life and making it difficult for me to acquire credit.
Consumer complaint received 2021-09-30
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. (MI)

XXXX you wrote XXXX XXXX XXXX  disturbed the funds XX/XX/2004 are you talking about the XXXX XXXX XXXX  In Utah? 
XXXX XXXX XXXX  paid the XXXX  XXXX XXXX XXXX {$49000.00} XX/XX/2004? 
XXXX you wrote you are the servicer of the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX loans then how did XXXX XXXX XXXX became a creditor?
Consumer complaint received 2020-09-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2020-05-08
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: AES/PHEAA (RI)

I always pay on time. I don't know how this happen to my account. 
FEDLOAN XXXX XXXX & XX/XX/XXXX
Consumer complaint received 2019-10-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc. (AL)

Tower loan of XXXX Alabama has made 6 hard pulls to my credit report without my consent. It is continually knocking my credit score down and will take me years to billed it up. To me that is a form of identity theft, and something should be done to the company for falsifying documents. Please help me with this issue.
Consumer complaint received 2017-08-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AZ)

Promissory Note has city and state as XXXX XXXX XXXX, CA ; property is in XXXX AZ Ocwen came up with a Shared Appreciation Modification that was in favor of Ocwen Forced to sign with a foreclosure hanging over my head Ocwen took 2 payments on that Mod ; I cancelled because of the verbage Ocwen wo n't refund payments and wo n't cancel that modification plan Now Ocwen adds {$220000.00} to the balance of the loan per this cancelled mod Ocwen has done a projection of {$300000.00} higher than the true value of my home Ocwen shows that I applied with them for a short sale when in fact I never have Because of the way this cancelled mod has affected the balance Ocwen denies me modification plan constantly Ocwen 's communication and calculations are entirely wrong
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OR)

On XX/XX/XXXX I made a {$1100.00} early payment to my mortgage lender PHH Mortgage for the mortgage due on XXXX. They misapplied this payment to principal only instead of the mortgage due. They have done this previously and I have had to ask them to correct their error. 

On XX/XX/XXXX I emailed the company to remind them to make sure the payment was applied to the mortgage due. On XX/XX/XXXX they emailed me that " All funds received will be applied towards the contractual payments. '' Since then the payment has not been corrected, despite many additional emails with PHH in XXXX. 

Their reply on XXXX stated " We have submitted a request to reverse the principal funds of {$1100.00} received on XX/XX/XXXX, and add it to the payment of {$1100.00} received on XX/XX/XXXX, and have them re-applied toward the XX/XX/XXXX payment. '' Since then the payment has still not been corrected, so I have called their customer service line twice, both times I have been assured the payment would be corrected and no fees would be charged. 

Today I was charged a late fee, and they claim I need to submit another payment when in fact I paid early for the XX/XX/XXXX mortgage due. I am concerned that their continuing errors with my payments will affect my mortgage rate and credit rating, and need CFPB 's help to fix the situation. Thank you.
Consumer complaint received 2021-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NV)

I opened a Citi checking and savings account on XX/XX/XXXX directly from their website. They were advertising a {$400.00} bonus if {$15000.00} was deposited and held between both the checking and savings account for 60 days. I deposited {$15000.00} to my checking account and {$25.00} to my savings on XX/XX/XXXX and held it there until XX/XX/XXXX. The terms stated 60 days that the funds had to be there. I kept it there for over 100 days. 

After the 60 days passed, I heard nothing. I reached out to Citi and chatted with several agents who promised that my {$400.00} bonus would post on XX/XX/XXXX. After not receiving it, they said XX/XX/XXXX. After not receiving it again, they said they would open a dispute and would hear back within 5 days. 

Fast forwarded to today XX/XX/XXXX after not hearing anything. I chatted again and they said that I was not eligible for the promotion. I signed up for it directly on the Citi website, and even took screenshots of it showing the {$400.00} bonus as proof. 

This is false and blatant advertising in an attempt to lure consumers in for false promises. This is highly illegal and should not be allowed.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be repaired. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected immediately : 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 2024-02-13
Product: Credit reporting 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. (TX)

I was told over the phone by XXXX that there is a credit suspension on my account. The Dept of Ed has NOT released the credit suspension which has been on there since XXXX XXXX XXXX
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Syncapay, Inc (FL)

Good afternoon, I received a prepaid reward card from XXXX for {$220.00}. It expired on XX/XX/2021. I wrote to XXXX to ask for the card to be re-activated, or have the account closed and a check sent to me, which could be done for a fee. I referenced the CFPB statement on expired prepaid cards and provided the link as well. I received a response ( see attached ) which directed me to the online redemption website to see if the card could be re-issued. I did that and was informed that the card was expired and could not be replaced ( see attachment ).
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2024-05-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I recently purchased four ( 4 ) " XXXX '' brand Prepaid XXXX cards. These cards were are distributed and serviced by InComm Financial Services Inc. All cards in this complaint were defective and could not be used to make a single purchase. When I tried to make a purchase with these cards, payment terminals always responded with the message " Not Authorized ''. I have not been able to make a single purchase with the cards in this complaint.