BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
All three Credit bureaus are reporting inaccurate information on my credit file. I have submitted physical letters to them and they simply ignore my request so I am forced to file this complaint to the CFPB and will be filing a complaint with the state attorney generals office if this does not get resolved. 

The following accounts are being reported and are not validated or verified per the FCRA. I have asked for the original source document and they are refusing to comply with my request. 

1. XXXX XXXX. They are only reporting a portion of the account number XXXX this is a metro 10 compliance issue. The account can not be verified and therefore I am asking that it be removed from my credit reports. 

2. XXXX. Partial Account number of XXXX. This is a Metro 10 Compliance issue, can not verify with XXXX and XXXX has no record of this saying I was late with my payment. Update and remove the late payment status. 

3. XXXX XXXX partial account number XXXX Says it is a collection account for XXXX this has not been verified and can not be verified and therefore is a violation of the FCRA section 609 and I requesting that this be removed from my files immediately. 

4. XXXX. Has a collection of XXXX acct XXXX ( partial ) which does not allow me to verify the account. This is a Metro 10 Compliance issue. This also looks to be a health care bill and this is a VIOLATION OF MY HIPAA rights as if I ever did have services rendered to me from XXXX I would have never given them permission to report any portion of my Health Records to  the bureaus. I am demanding this be removed based on Incorrect reporting, unverifiable status and a HIPAA violation. 

5. XXXX XXXX : Accounts XXXX, XXXX, and XXXX all metro 10 compliance issues, unverifiable information, does not meet FCRA standards and once again looks to be a medical office reporting. If I did have services rendered I would have never given permission to any health facility to transfer my information to a collection company or to the bureaus. This is a HIPAA Violation and is a against the law.

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 2023-08-05
Company: Kimball, Tirey & St. John LLP
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Due to Covid 19, was not able to pay rent in the apartments I lived in with my daughter and granddaughter and we moved before we were kicked out and then all XXXX  of us were notified of the dept on our credit reports, said dept is over XXXX dollars and the collection agency that bought the dept illegally put Said dept on all three of our credit reports so instead of a XXXX dept they are trying to get XXXX, how is this legal and it's because of a disaster covid, can you help me and my daughter and granddaughter and have them remove this dept from our credit reports and prosecute them legally

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was not notified of the check being flagged for a hold. Not on my mobile app, there are XXXX alerts as of XX/XX/XXXX. Not by email. XXXX emails. Only after I asked was notification provided. And the check in question was deposited XX/XX/XXXX and cleared the issuing bank XX/XX/XXXX. The check is from XXXX. A reputable company. Who I have been associated with for 16 years now. No reasonable reason to suspect for hold. So fifth third has been paid and has been holding my money since XX/XX/XXXX. And has a hold on the check until XX/XX/XXXX. Unreasonable hold status, and the check has cleared per adp. I have the email of the cleared check. Also the hold period is excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am filing a complaint against HSBC Bank USA for gross mishandling of my finances, a lack of transparency, and a failure to locate my funds. I had over XXXX XXXX XXXX dollars saved in different HSBC accounts. 

Issues began when a new person assigned to me as financial advisor/FA, noted that I had several open accounts and, in an effort to simplify my money, the Financial Advisor stated that she would merge my funds into one account. I agreed because the FA promised that this would make managing my funds easier. Following this, I noticed that the funds in the account did not reflect the total amount of money she had prior to the merging of accounts, by a dramatic margin. As such, I requested clarification from the FA in order to locate the funds. The FA has refused to clarify where my funds are. At times, the FA has refused to speak with me altogether. 

Separately, when I expressed my disagreement with investing my money, the FA pressured me into doing so, claiming that it would help grow my money. To date, I do not know where those funds are. 

I have tried to seek assistance from other HSBC staff but unable to get far as the financial advisor interferes with my attempts to receive clarity.

HSBC claims that I do not have an open account with them and can not locate any of my previous accounts. However, I have documentation/bank statements proving her several accounts with HSBC and the balance amounts. 

I am requesting an investigation into HSBCs handling of her funds and assistance recovering my lost funds which total over $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Summit Collection Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I underwent an XXXX XXXX performed by XXXX XXXX XXXX of XXXX, New Jersey. At the time, I was an employee of the XXXX XXXX XXXX XXXX XXXX XXXX  and had excellent employee-sponsored health insurance coverage through XXXX. I never received a bill from XXXX XXXX ( beyond what I might have paid as a deductible or co-payment on the day of the procedure I dont recall ), and I assumed they had billed XXXX and was paid by them. ( All these years later, I no longer have in my possession records from XXXX. ) Moreover, that was a non-emergency medical procedure that I never would have undergone had XXXX XXXX indicated that it would not accept my health care coverage I have maintained for decades a pristine credit history. I have a long history of paying all my bills and paying them on time. Nonetheless, earlier this year, almost six years after the XXXX XXXX, I received a dunning notice from Summit Collection Services LLC of XXXX XXXX XXXX, New Jersey, demanding that I pay {$3200.00} for that XXXX XXXX XXXX. In support of its demand, Summit Collection Services sent me a Provider Remittance Advice from XXXX showing that the insurance company declined to pay any of the {$3200.00}. What is significant, and what Summit Collection Services conveniently failed to point out, is that while the XXXX  occurred in XX/XX/XXXX, XXXX XXXX did not bill XXXX XXXX until the end of XX/XX/XXXX, almost four and a half years later. ( see first attachment ) In other words, XXXX XXXX was grossly negligent in the way in which it handled the matter. 

I am a retired senior citizen for whom {$3200.00} is a lot of money. After I objected to paying that amount, Summit Collection Services went ahead and reported this alleged debt to the credit agencies, causing a major derogatory activity notice to appear on my credit file ( see the second attachment ), harming my credit rating greatly, and likely causing me economic harm when I go to buy a car or otherwise look for credit. I believe Summit Collection Services did this in order to pressure me into paying this alleged debt. 

I believe the actions of Summit Collection Services have been unfair and deceitful in violation of the Fair Debt Collection Practices Act and, as well, are in violation of the No Surprises Act, which protects people from receiving surprise medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Experian Information Solutions Inc.
State: MS
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2023-03-07
Company: BARCLAYS BANK DELAWARE
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, Barclays sent me a letter through the CFPB in response to a complaint about denial of credit. Barclays claims that a credit card account I opened in XXXX has an adverse reaction attached to it : " I confirmed with our Collection team that your US Airways/AAdvantage Aviator Red World Mastercard was part of a XXXX XXXX Bankruptcy filed on XX/XX/XXXX. '' The letter invited me to contact " XXXX '' through a phone number provided. 

I called " XXXX '' on XXXX XXXX and left a message. I called again on XXXX XXXX and left another message. No one ever answers the phone directly. The voicemail states that they will return the call within " 48 business hours. '' " XXXX '' called me and left a message on XXXX XXXX. I called her back on XXXX XXXX and left another message. I have not heard from " XXXX '' or anyone else at Barclays since then. 

My complaint is this : Barclays has erroneous information attached to my account information in their files. I have never had a bankruptcy of any kind. It is curious to me that they claim that I have, when none of my credit reports show ANY adverse reports, let alone a bankruptcy. 

Barclays clearly isn't interested in responding to consumer inquiries or providing a mechanism for correcting information in their files. They only accept voice mails, and then many days pass before returning a call, if at all. They have never provided details of the bankruptcy they claim, such as where it was filed and so forth. They do not seem to be interested in the least in working with me to correct their information, or short of that even speaking with me about the situation. 

Though this information is incorrect, and obviously so, that it is in their files concerns me that the error may spread to other databases if it is not corrected now. I'm disappointed in Barclays ' lack of customer service and the run-around they give by providing a phone number that no one ever answers.

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 2020-03-28
Company: BARCLAYS BANK DELAWARE
State: NY
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:
Upon receiving my new XXXX Mastercard, provided by Barclays, I purchased airlines from XXXX to travel to XXXX in XX/XX/2020. Subsequently due to this Coronavirus pandemic and my advance age, I sought to cancel that trip with XXXX. However, using the only available online option, I found out that to cancel that booking the airline would charge me {$400.00} for the tickets which amounted to {$1600.00}. I attempted to contact Barclays by phone & by email subsequently, but to no avail. Based upon the specific stipulations on the credit card agreement, I informed Barclays to cancel the credit card since I was unable to obtain any relief from either XXXX & Barclays. The credit was returned to Barclays. However on XX/XX/2020, I received a new billing statement from Barclay in which a fee in the amount of {$120.00}, along with interest for {$37.00}, were assessed which brought the previous balance of {$1600.00} to {$1800.00}.

The airline companies & the financial institutions will be receiving large sum of monies from the {$2.00} trillion stimulus package which our president Donald Trump has signed into law, whereas there will not be any relief for me. 

According to President Trump 's Coronavirus Guidelines For America, there are certain specific recommendations for peoples in my age bracket : 1 ) If You are An Older Person, or have a serious underlying health condition, stay home and away from other people.

2 ) Avoid Discretionary Travel, shopping trips, and social events.

Barclays offered me no prior alternatives when I first contacted the via email, and their response was that they could not call me nor write to me to discuss my issues.

The coronavirus pandemic is no fault of mine & I am following Federal Guidelines not to travel, and Americans who are now overseas have difficulties to come back home, and many of those countries have closed their borders which include XXXX where I originally intended to travel in XXXX. 

I asked Barclays to cancel my account and to delete the charges since that I can not travel. On XX/XX/2020, I finally received info from XXXX about banking credits which they did not offer before, but for a very limited amount of time, while the interest charges on that credit card is a high 26.4 %. 

The financial institutions and the Airline companies should heed the Federal guidelines to assist consumers fairly in these critical moments caused by the coronavirus pandemic.

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 2020-09-24
Company: EQUIFAX, 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:
I recently viewed my credit report and noticed some inaccurate information that does not belong to me. I also noticed incorrect information reported that is hindering me from moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The companies involve are below : 1. Bank of America ( I have my saving account ) 2. XXXX ( I dont have any association with this company. I dont know anything about this company or anyone associated with them. ) Please find more details below : I have a saving account with Bank Of America. I have not shared my account details with anyone. I have not authorised any trasanctions in my saving accounts for below amounts. 

I have noticed following suspicious trasanction in my Saving account : XX/XX/XXXX : Deposits of {$0.00} and {$0.00}, XX/XX/XXXX : Withdrawal of {$0.00} and {$0.00}, XX/XX/XXXX : Withdrawal of {$2400.00} These trasanction are completely unauthorised and without my knowledge. In transanction details the company XXXX and person XXXX XXXX is mentioned. I dont know about any of them.

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 monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I usto have an account with WF back around XXXX to possibly XXXX. I was charged tons of over draft fees eating up my paychecks. I would like this money back. I had to close the account fir this reason. The evil practices of WF was unbearable.

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 2022-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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: Card was charged for something you did not purchase with the card

Complaint:
My Capital One credit card account was used in California and Florida while I was in Oklahoma where I live. I contacted Capital One but they refuswed to help me. I have contacted the FBI and the Secret Service both to assist me with this fraudulent charge that is affecting my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-24
Company: Continental Finance Company, LLC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ONCE AGAIN XXXX XXXX IS DISALLOWING MY CREDIT OPPORTUNTIES AND NOW MUST ADVISE YOU BOTH FOR VIOLATING THE F.C.R.A. 15  U.S.C. Section 1681g and the DODD-FRANK XXXX XXXX REFORM AND CONSUMER PROTECTION ACT. BY DESTROYING CAPITALISM.

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 2023-02-13
Company: EQUIFAX, INC.
State: FL
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XXXX and insufficient funds by bank

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 2022-04-12
Company: EQUIFAX, INC.
State: MI
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX claims that I have two accounts One that still active and another that just showed up on my credit report of {$3.00} which they ca n't verify all the charges in writing. I have a police report that illegal charges are being done with my Home Depot credit card They said they sold one account to the collection agency, without even notified me about the charges. I called many times and email and was n't unable to get any answers

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 2020-03-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I check my credit report with XXXX 7 days a week and I noticed it dont have a payment history and it reported a XXXX balance and no credit history at all ... and Im asking citi bank to update my credit report and my balance history and payment history please its been over 30 days and it still havent updated at all .... Ive been a citi customer since XX/XX/XXXX and Im asking them to updated it from XX/XX/XXXX until XX/XX/XXXX and second I have a pending transaction for XXXX XXXX  in the amount of {$220.00} on XX/XX/XXXX this hold havent released its been over a week and the merchant already released it on there end and citi said I have to wait 30 days and its not cool and Im going through some hard times

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 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and this account balance needs to report {$0.00}. I have attached a copy of the settlement agreement dated XX/XX/2019 as proof. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus several times to remove this item however, I have not been successful.

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