BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I wanted to make a payment on my due date of XX/XX/XXXX with my boyfriends checking account and had him with me to verify himself via phone. Many other big credit card companies like XXXX, XXXX XXXX, and XXXX do this. HSBC would not. I spoke with A XXXX XXXX  at this time who is a Manager at HSBC explaining I had an issue with my bank and that's why my normal bill pay I could not use. She explained to me as soon as they received the payment she would waive the reversal fee for the inconvenience. On XX/XX/XXXX HSBC called my cell phone that I did not consent for them to call 6 times from XXXX XXXX.- XXXX XXXX. on the XXXX they had called 2 times. I spoke with a Supervisor XXXX at XXXX XXXX on XX/XX/XXXX whom I then told I had sent the payment of {$25.00} thru my banking and they would receive it on or before the XXXX. I told her of XXXX the manager I spoke with and XXXX being a Supervisor had no idea who that was ( she claimed XXXX. XXXX went on to say that XXXX was wrong HSBC would take a {$52.00} payment from me today and I could have my boyfriend verified. I also told her that what they did was harassment and that they were not to call my cell phone. Supervisor XXXX explained to me that I was incorrect it is not in fact harassment and that if I do not comply with allowing HSBC to contact me thru my cell phone that they would in fact have no way to send me any information if I ever have fraudulent activity take place. I rebutted HSBC can contact me via email/mail and she further instructed me they do not do so. She also corrected me that HSBC did not violate my rights abusing the TCPA. I know PACER lists over XXXX lawsuits filed against HSBC in the United States. I would like to know if based on the information I have provided that HSBC violated the TCPA rules and regulations. I have my cell phone records as proof of the phone calls HSBC made relentlessly, to prove my claim. Both conversations I had with XXXX XXXX and Supervisor XXXX were also recorded and monitored for quality assurance purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL, XXXX ; XXXX XXXXXXXX XXXX XXXX, FL, XXXX ; XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2700.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$2700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: 950 Credit Inc
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was told I could move out of my apartment early by XX/XX/XXXX by my landlord. I accepted and moved out. The landlord contacted a collection agency and is reporting that I am not paying rent for XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been out of the apartment since XX/XX/XXXX. I emailed them and left the keys on the kitchen counter in the apartment. There were numerous issues that they never fixed so I withheld the last month rent which is my right by tenants rights. I filed a 311 complaint about brown water in XX/XX/XXXX. Had leaking vents on the back porch in XX/XX/XXXX. None of this was addressed. Their answer was to tell me to move out early and not renew my lease ( which was up in XXXX of XXXX ) I have contacted the credit reporting agency numerous times and sent them all of my emails and texts from the landlord and myself. I have included the letter I sent to the landlord certified and emailed and hand delivered declaring my acceptance of their offer and my withholding of the XXXX rent due to lack of attention to complaints. They told me that the landlord will not remove the charge and they will no longer talk to me. This has been going on since XX/XX/XXXX. I need help please.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was with XXXX XXXX for 3 1/2 years! They sent me documentation that this debt was paid or settle! I think Citi Bank is trying to double dip! I'm a XXXX XXXX XXXX on a fixed income!, and tried in good faith durning my time of hardship!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act the list of accounts below has violated my federal protect protective consumer rights to privacy and confidentiality under 15 USC 1681 the accounts are as listed XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX next account XXXX XXXX XXXX account number XXXX account XXXX XXXX XXXX XXXX next account XXXX XXXX account number XXXX next account XXXX XXXX XXXX are XXXX XXXX XXXX XXXX account number XXXX these accounts has violated my rights under 15 USC 1681 section 602States I have a right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c a 5 Section States no consumer reporting agency may take any consumer reporting containing any of the following items of information any other advice items of information other than records of convictions of crimes which the records by more than 7 years 15 USC 1681 s2a1 a person shall not furnish any information related to the consumer to any consumer reporting agency if the person knows or has been reasonable cost to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights. 

15 USC 1681 SECTION 602 States I have the right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY

ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a personal checking account with BBVA Compass under a promotion that earned me a bonus after my first direct deposit from my employer. After XX/XX/XXXX I moved my direct deposits to another bank. On XX/XX/XXXX I received an email that I could earn {$50.00} just for setting up and receiving a qualifying direct deposit to my account ( it specifically mentioned last 4 digits of my account ). It said that I need to set up and receive your qualifying direct deposit ( s ) by XX/XX/XXXX to qualify and once one or more electronic direct deposits from an my employer or a government agency totaling at least {$500.00} post to my checking account BBVA Compass will deposit {$50.00} to my checking account within 60 days. 
I had 2 direct deposits of more than {$1300.00} post to the account. First one posted on XX/XX/XXXX and second on XX/XX/XXXX. Both these were from my employer. Few days back I called them about bonus and I was told that I have met the condition and my bonus will post within the 60 days from XX/XX/XXXX. I was told if it does not post then I should call them to get it added manually. I called them today and now they are saying I am not eligible for bonus as the direct deposit I received is from the same employer as last year! This is the most weirdest thing I have heard. Now they want me to change employer in order to get {$50.00} bonus! I tried to reason but to no avail. I asked the representative to connect me to a supervisor but after putting me on hold for sometime I was told all supervisors are busy and there is no one available to talk to me. I was then told someone will call me in sometime but nobody called me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute several unauthorized accounts and transactions on my credit report that I believe are a result of identity theft. I recently discovered that my personal information has been used without my consent, and I suspect that my nephew may be responsible for this fraudulent activity. Below, I have outlined the unauthorized account and transactions that have been reported on my credit report XXXX XXXX XXXX XXXX XXXX 
I believe that my nephew may have used my personal information to open this account and carry out these transactions without my knowledge or consent. I have reason to believe that he had access to my personal information, such as my Social Security number, date of birth, and other identifying details, which could have been used for these fraudulent activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Checking account closed on XX/XX/2020. Everything associated with the account had a XXXX balance. BMO Harris bank has kept issuing checks on this closed account for the remainder of XXXX and all of XXXX. Bad check fees were charged to those who they issued those checks to. I have spoken with BMO Harris however they continue to issue checks on this closed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I disputed inaccurate accounts reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX, My credit report stated I had an collection from ( credit XXXX bank sold to XXXX XXXX XXXX # XXXX listed multiple times on my credit report. on XX/XX/XXXX, I Disputed this collection with XXXX XXXX XXXX XXXX requesting proof that this debt collector own this debt and has the legal authority to collect it or delete this account. XX/XX/XXXX, XXXX purchased debt ( violations : proof of debt with wet signature. ) XX/XX/XXXX, I Disputed this collection again with XXXX, XXXX XXXX XXXX  XX/XX/XXXX. Creditor removed collection account from XXXX & XXXX and XXXX time on XXXX  only. I requested to be removed on all bureau. creditor sold debt to Debtor and Debtor failed Request. Debtor purchased debt violations : proof of debt with wet signature, XX/XX/XXXX, I Disputed this collection with twice XXXX  XX/XX/XXXX, XXXX reported the collection account on XX/XX/XXXX with the same account On XXXX and XXXX  as of XX/XX/XXXX. ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXX on XXXX  as of XX/XX/XXXX. XXXX  payment status is late 120 days on a collection account XX/XX/XXXX, Debtor has reported the collection to XXXX  ON XX/XX/XXXX Debtor has not responded to my request or updated my account on XXXX  and XXXX. This XXXX and XXXX 's has failed to do a proper investigation. this account is clearly in multiple violations and did not remove this account nor sent me proof of debt and the legal right to obtain this debt with my wet signature. I demand for this debtor to remove this account immediately.debtor failed to update the comment section that i disputed this account. debtor and bureau deleted the information on XXXX  AND XXXX and reported the account as of todays date XX/XX/XXXX. Creditor ( XXXX XXXX XXXX removed from XXXX  sold the debt to XXXX and then XXXX reported the collection on my account and did not update in the comment section that an investigation was completed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XX/XX/XXXX Credit Inquiry Dispute - Removal of misleading information Dear, Equifax Consumer Solutions, I am writing to dispute certain credit inquires listed on my credit report, which I believe contain misleading information. These inquires were made by XXXX XXXX, XXXX XXXX and XXXX. I have already contacted these companies, and they have acknowledged that the information in question is fraudulent. They have taken the necessary steps to delete this information from XXXX and XXXX. I kindly request that Equifax takes similar action and removes these inaccurate entries from my credit report as well. I have always been diligent in managing my financial affairs, and it has come to my attention that the inclusion of these fraudulent inquires on my credit report is significantly impacting various aspects of my life, it is crucial for me to maintain an accurate credit profile. To support my dispute, I have included the following relevant details : Creditor Name XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Number : No Account Creditor Name : XXXX Date of Inquiry : XX/XX/XXXX Account Number : No Account Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Number : No Account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had subscribed to XXXX XXXX XXXX on or about XX/XX/2023 and decided to cancel on or about XX/XX/XXXX because XXXX misrepresented that they were only going to charge me {$79.00}, which would be in two installments, one for {$39.00} in XXXX and one for {$39.00} in XXXX. However they posted {$82.00} to my account in error. I then decided to cancel the membership on or about MY XXXX and I have an email to prove that it's been canceled but Chase will not do anything about it because they said they have to wait 15 days. Why do they have to wait 15 days when I have that confirmation email that I just uploaded to my Chase account? My balance is reflecting the {$82.00} which I should not be responsible for and I've asked them to take care of it but they are refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: DISCOVER BANK
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On XXXX of XXXX, after hurricane Irma my house suffered some damage and Discover Bank gave 6 month forbearance program to use that money and fix the house. On XX/XX/XXXX I was contacted by XXXX XXXX to start a Lost and Mitigation Application. I submitted the first application on XXXX of XXXX. I mentioned that I was able to keep my monthly payment, but I need help to distribute the missing payment. On XXXX I started my regular monthly payment after the forbearance program finished. I pay my loan for 4 month, until XXXX payment was returned to the bank. I was paying with direct deposit, because my access to online banking was denied. 
Since then I have submitted more than 10 applications and more than 2 years worth of financial records. On XX/XX/XXXX I was served with foreclosure documents, my application has been completed with the lost and mitigation department as XXXX XX/XX/XXXX. No answer from the service about the results. The amount of service fee and attorney fee exceed the $ XXXX. It is very sad. I also mentioned that I have a son with XXXX and the stress that this situation has put on myself and my family has been beyond control. I am paying my first mortgage, my taxes and insurance. They know that since the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, GA XXXX USDOE/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} USDOE/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$1200.00}

Company response to consumer: Closed with non-monetary relief