davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

I opened a ( new ) joint Premier Savings Account at the HSBC Bank branch at XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX on XX/XX/2018 in response to a special invitation/promotion. According to the terms of the promotion, HSBC would deposit {$750.00} into all new accounts if the new account holder would open the account with at least {$100000.00}. The {$750.00} deposit would be made by HSBC in " approximately 8 weeks of depositing a minimum of {$100000.00} into the new account by XX/XX/2018. We deposited {$170000.00} on XX/XX/2018 thereby meeting all the terms of the promotion. 
I should have received the {$750.00} by 8 weeks or by XX/XX/XXXX. I have not received the {$750.00} deposit as of XX/XX/2018. I called the bank 's customer service line at the end of XX/XX/2018 and on XX/XX/2018 and was only told that there was an issue with their system, and they were not helpful. I met with Mr. XXXX XXXX, the branch manager ( Tel : XXXX ) at the end of XX/XX/2018 when he assured me that I should see the deposit within a month. Since I did not see the deposit on my next bank statement, I called Mr. XXXX on XX/XX/2018 to inquire about the status of the deposit, he told me that there was an issue with their system and therefore he could not deposit the {$750.00} as I had requested.
Consumer complaint received 2018-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: POPULAR BANK (NY)

I opened a Popular Bank checking account online over a month ago. I received a packet of information in the mail, including a questionnaire and a signature card along with a return envelope. I filled out the required paperwork in full and sent the envelope back. I waited a week and called Popular Bank to see if the paperwork had been received. On the call Popular Bank transferred me to the online account department. The person I spoke to in the online account department initially told me that she had received the paperwork and started reading information off of the paperwork, only to find that she was reading me private information from a third party and not information from my account. She then told me that she had not received my paperwork yet. I called three more times over the course of two weeks and each time I was put on hold for an extended period of time and was not able to reach an agent who can help me. On XX/XX/2018 I made a mobile deposit for a cashier 's check. I received an email from Popular Bank saying the deposit had been approved. I tried to login to my Popular Bank online banking and was locked out. I called the customer service number and was told that I needed to speak to the online account department. I was put on hold and nobody picked up, after 45 minutes I hung up. I called a branch and spoke with a supervisor who called the online department. The online department told him that my account was restricted for suspicious activity. They told him I would need to go into a branch. He then said " why did you open your account online? Why didn't you just open it in the branch ''? There has been no activity since the XXXX of this month. Today is XX/XX/XXXX. The branch supervisor told me I would need to talk to the online account department and transferred me.
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (OH)

XX/XX/18 - " Cash Equivalency Fee '' of {$20.00}, ( 200 % ) posted on a {$10.00} Ohio Lottery Transaction at Grocery Store, because cash-receptor on vending machine was jammed.

Apparently a state-owned, public lottery vending machine is considered a Casino by US Bank?

I'm tried without success to find this fee equivalent in my Cardholder Agreement without success and got nowhere with US Bank Cardholder Services.
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I had my wallet stolen about a yr ago my I identity was then stolen as a result of that loss I had 2 unauthorised accounts opened with fifth third bank and a balan on one of them for over {$4000.00} i distuputed the accounts when i called the adress on file for the accounts was not mine i have never lived there nor did I open these accounts there has been a fraud a let on my credit for a yr and those accounts should have never been allowed to be opened in the first place .the bank said they had proof I made the charges when I was in the hospital at the time the charges were made I did not open these accounts with fifth third bank nor did I use it and I want thseese accounts closed and my credit reports to reflect this I did not create this debt and should not be responsible for it
Consumer complaint received 2018-07-24
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: Diversified Consultants, Inc. (VA)

In XX/XX/2018, I completed a dispute of an account in collection ( {$1000.00} ). The account was not verified within 30 days and was promptly removed from my credit report in XX/XX/2018. I check my credit monthly and upon checking my credit today ( XX/XX/18 ) I was alerted that the collection account had been re-inserted under the collection agency : Diversified Consultants in the amount of {$1000.00}. It is required that I receive notification of any previously deleted item being re-inserted on my credit report. I have received no such notification. Please have this deleted immediately.
Consumer complaint received 2022-09-17
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. (CA)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Fraudulent Accounts : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: STERLING JEWELERS, INC. (FL)

On XX/XX/2018 I contacted XXXX XXXX XXXX Services in regards to incorrect information being reported to my credit report. On XX/XX/2018 I opened an account with XXXX XXXX which XXXX is the finance company. I submitted my state issued drivers licence. I was instructed that the bill will be in the mail with the scheduled payment and due date. I waited for about 40 days before I contacted XXXX which I was instructed to contact XXXX. Upon contacting XXXX they informed me that the billing address was incorrect, XXXX XXXX XXXX XXXX when in fact the correct address is XXXX XXXX XXXX XXXX. They said that they will correct the error. I went ahead and paid off the account. XXXX even implemented two late fees which I paid. I reviewed my credit report I noticed that a 30 and 60 day late payment was reported which dropped my scores close to 100 pt. I tried to explain to supervisor XXXX ID XXXX that it was their mistake and that its on the face of the record. She stated that they report what true and correct. I explained that based on that statement Genesis is in violation of the FCRA because upon them reporting my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX when the Drivers License provided is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. I asked her to assist me in correcting their error that the late payments that they are reporting was a result of their error for mailing the billing statement to the wrong address. I refused and would not even offer to reimburse me for the late fees accessed to the account. At that point I informed her that I will be filing a compliant with the CFPB and terminated the call.
Consumer complaint received 2018-07-24
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: WELLS FARGO & COMPANY (IL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX Wells Fargo Dealer Services Re. Account # XXXX XXXX XXXX XXXX To whom it my concern I am writing in regard to the above referenced accounts and transactions. 

This vehicle was repossessed by Wells Fargo Dealer Services in the State of Illinois on or about, XX/XX/XXXX and resold on or about unknown date not provided to me Under the laws of the State of Illinois UCC ( 810ILCS5/ ) UCC code, and State RISA and MVISA 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 provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-09-17
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: Riverwalk Financial Corporation (CA)

I am very upset at XXXX XXXX and Deville Asset Management right now. I began disputing an account on my credit report in XXXX since I knew the account was well over 7 years. Not only did I not get a timely investigation, I had to file a complaint just to get the credit bureaus to do an investigation. I finally received written results from XXXX XXXX dated XX/XX/2020 which was 2 1/2 months after I submitted my initial dispute. 

I was shocked to see the account was verified as accurate by XXXX XXXX. When I received this notice from XXXX XXXX stating as such, I called XXXX XXXX XXXX to figure out what kind of information they had which showed this was indeed an accurate account. I called the number provided in the investigation results by XXXX XXXX for Deville Asset Management. The individual who answered the phone was named XXXX XXXX XXXX and said his company 's name was XXXX. He also stated they are a non credit reporting entity and they assigned an account which had my info to XXXX   XXXX. After I asked for some clarification as to why Deville Asset Management is on my credit report and was just verified days ago with this number XXXX stated again that XXXX  is a non credit reporting entity. He even said it was his understanding Deville Asset Management was out of business. 

After hearing everything from XXXX and being told Velocity purchased the account in question and assigned it to XXXX, I called XXXX XXXX with an advocate. XXXX XXXX wanted us to mail in a power of attorney before they spoke with my advocate but I wasn't going to do that considering how many months it has taken for them to even conclude an investigation which I know was fraudulent. How can XXXX XXXX verify a Deville Asset Management collection when Deville Asset Management doesn't even exist anymore. Even  if XXXX  purchased this account from Deville Asset Management,  XXXX claimed they are a non-reporting entity so again I ask how could XXXX XXXX have verified this account? 

I don't know what XXXX XXXX did or didn't do but I want this account deleted from my credit report once and for all. XXXX XXXX took 2 1/2 months to conclude an investigation and they clearly didn't do a  real investigation since it is impossible they verified something with a company that does not exist. By the way, now that I think about it, I haven't received a response from XXXX either. I did from XXXX. I want to add XXXX to this complaint as well.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Back in XXXX of this year, I disputed a collection account on my Transunion credit report from XXXX XXXX. This account had previously been deleted because it did not belong to me. Transunion reinserted this collection account back on my credit report without notification. Which is a violation of the FCRA of ( A ) ( 5 ) ( B ) ( ii ). When I notified Transunion of this violation, they returned the account as verified. That was not my request. It needs to be removed. Also, I'd like to ask, How was this account Verified? What was the method of verification? Where is the proof of this verification? I am requesting a hard copy of this proof with my wet-signature binding me to this debt.
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 1 ) Account Name : XXXX XXXXXXXX Account Number : XXXX Amount : {$780.00} 2 ) Account Name : XXXX XXXX Account Number : XXXX Amount : {$660.00} 3 ) Account Name : XXXX XXXXXXXX Account Number : XXXX Amount : {$5100.00} paid by my insurance I also have XXXX insurance with them at the time 4 ) Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$150.00} 5 ) Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$760.00} 6 ) Account Name : XXXX XXXX Account Number : XXXX Amount : {$730.00}
Consumer complaint received 2018-07-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ameritech Financial (NY)

XX/XX/XXXX AmeriTech contacted my cell. They had all my personal information, including my social security number. Not knowing I went along and set up to what I thought to be a repayment to my student loans. Fast forward to XX/XX/XXXX, I felt that there should have been some sort of decrease in what I owed towards my XXXX XXXX school loans. Not one penny was put towards it. AmeriTech became harassing. They called everyday, same time and emailed everyday. When I called to confront them, they were nasty, I have saved emails.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXXXXXX is incorrectly reporting me delinquent on my account when I am on a forbearance. They have damaged my credit. I have tried in every way possible to come up with a solution for them to have this removed for now and now they dont wan na work with me because of my credit. I need help with this. All three credit bureaus are impacted due to XXXX reporting this
Consumer complaint received 2018-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CFM Group LLC (IA)

The company I work for is involved in a bill dispute. The bill was referred to CFM Group. I get repeated calls on my personal cell phone for payment of this bill. I have tried to explain that the bill is being disputed and the person on the phone yells at me to pay my bills. I have tried telling them that I don't owe any money and I would like to speak with a supervisor. I get told that supervisors don't speak to dead beats who don't pay their bills. I have asked for my personal cell phone to be removed from their call list and I am told it will be when I pay the bill. My cell phone gets called repeatedly when I hang up on the lady calling. If I answer again I am yelled at to pay my bills. This company refuses to listen to me that I, personally, am not rresponsible for this bill and I get harrassed over it. I have finally tried blocking the number that calls me.
Consumer complaint received 2018-07-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

I have sent letters requesting proof of my original application with my signature since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the company XXXX XXXX XXXX which has not been done, I have by law all the right to receive a copy of the original application where my signature appears, the obligation of them is to send them in case they fail to send them I demand eliminate that account from the credit bureau since they can not prove that it really is mine.
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On the XX/XX/23 I sent a request for the balance on the account, per the instruction of capital one. I instructed them the deduct the Past due amount from the Balance : {$630.00}. This is in accordance with 12 CFR 1026.21 Treatment of credit balances - as a consumer I am acting in a compliance with the Truth and Lending Act.

I have attached the letter I sent them. PER the law, it should have taken 3 days to fulfill this request.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (PA)

On Monday XX/XX/XXXX I responded to a Discover Card advertisement for 0 % APR financing ( 14 months ) for a credit card and loan consolidation program, so that I could refinance my debt under those terms. I outlined the quantity of money that I would need to borrow and submitted my application. 
On Tuesday XX/XX/XXXX I received an email notifying me that I was approved for a credit card with a credit limit substantially below the amount requested for approval. Despite not being approved for the amount requested, a credit card was opened in my name for the lesser amount. 
On Thursday XX/XX/XXXX I called Discover customer services and spoke with ( 5 ) individuals across multiple departments regarding this issue seeking the following resolutions, a ) to have the erroneous credit card account closed and removed from records b ) to have the approval honored for the quantity requested or c ) to have the account flagged to avoid shut-down due to inactivity. I was informed by all representatives that there was no action I could take that would not result in me either having to use their credit card on a regular basis or hurt my credit score by shortening my average account length by canceling the card.

Given that this personal loan and credit card was requested together as part of a promotional offer by myself for a specific purpose and amount, and was then approved for a lesser amount with an inability to fulfill that purpose, and that discover card has provided me with no alternative for redress, I am hopeful that the CFPB might help me in resolving this issue and additionally to help future consumers by providing guidance on steps which can be taken in situations where-in individuals apply for one thing and are provided with something else by a financial institution without resorting to harming ones own credit score.
Consumer complaint received 2020-09-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America are liars! ... ..I was told that my loan modification was approved. I have completed the trial payments. The last trial payment was in XXXX according to Bank of America 's paperwork. Since then I have been waiting for the permanent mortgage monthly payment. Every time I call Bank of America inquiring about changing my account to a regular account to pay my mortgage, they hang up on me. 

I need for Bank of America to change the classification of my loan so that I can pay my mortgage.
Consumer complaint received 2023-04-07
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)

For the past several months I have noted an increased amount of alerts from all three credit bureaus as well as incomplete accounts being listed as well. Some accounts are showing duplicate listings for the same exact debt and I had an account appear from 2006 which has long been resolved and is paid in full. When I reach out to XXXX, the representatives do not have adequate knowledge on the statute of limitations and could not explain why some listed accounts are incomplete and missing vital information. This is of great concern to me as I am in the process of repairing my credit as well as dealing with breaches in the sharing of my personal information. I am requesting this investigation as the credit bureaus should be following the same policies, protocols, and regulations as the general public is held accountable for.