BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: TX
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:
My credit scores do not reflect my accurate score, several factors are not being taken into consideration with my score. Credit cards are being paid off in full yet my scores have not been adjusted and if they have been only are adjusted by 2 points. 

For example, XXXX and Equifax will deduct 12 points for a credit card debt increase of {$98.00} but once the credit card is paid off in full of {$1200.00} they only increase my score of only 2 points.

Second example that I have encountered, my credit score drops by 2 points for every hard inquiries a total of six inquiries 12 points, but when the two year time is over only 2 points are returned. Only 2 points for the removal of 6 inquiries, NOT FAIR! 

I have paid off multiple credit cards, but XXXX  and Equifax take multiple months to update my scores, however in the event I miss one payment or have a credit inquires made the negative scores are updated almost immediately. 

Mi scores are in low 600 's but should reflect something in the 700 's, but even in the event where everything is paid off in full do my scores ever increase. I feel this is a complete injustice to the consumer bullied by big companies that make a fortune off the inaccurate credit reporting. What is one to do? I need help, back up, I need your organization to intervene and adjust my inaccurate scores. 

Please, Please, please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Balance : {$23000.00}

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 2019-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
please see attached CFPB complaint filed today against the collection agent, XXXX and XXXX that is wrongfully appearing on my XXXX  AND TRANSUNION credit files.

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 2020-06-29
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MD
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:
Today, XXXX XX/XX/ 2020, Sebonic Financial a company I am currently using to refinance my VA loan via XXXX, requested a credit score without first informing me or asking me to run my credit. They had previously run my credit for the initial application and then when asked about why they ran my credit, informed me via email, You should have been notified. Since it is within 14 days of our initial pull, it doesn't impact the score and it was a mortgage only report and not the full one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on XX/XX/XXXX I withdrew {$9000.00} from checking account but I received only {$8000.00}. The teller used the counting machine so I didnt question that it was correct. When I got home I counted the money and it was missing {$1000.00}. I went back to the bank and had them re-count it. Below are my attempts to resolve the issue. In short, I had been asking to speak to a manager and see if video had caught what the counting machine counted. Below are my notes regarding multiple attempts to resolve, or make any progress toward resolution Date of transaction $ XX/XX/XXXX - {$9000.00} Received only {$8000.00} XX/XX/XXXX - went in to bank noticed missing {$1000.00} Teller XXXX, long conversation. Teller avoiding my request to speak to a manager ( approx 20 min ) Finally said she would see if the video would show the counter machine I asked to have manager call me back regarding video XXXX XXXX, the teller called me back ( not a manger as requested. She said she viewed the video did not show counting machine XXXX I called corp customer service Rep was trying to put in a complaint about missing {$1000.00} Was on the phone for almost an hour Finally said she couldn't and that I needed to go to the branch and handle it there. 
She said she could and would file a complaint for the teller / customer service I asked that she have the bank manager call me. She agreed XX/XX/XXXX no call from the bank - or anyone I called corp customer service again - spoke with XXXX XXXX also could not file a complaint and said I need to work with branch Gave me branch managers name : XXXX XXXX- I am back in MN and stopped back in to branch - XXXX, the manager is not there. 

XX/XX/XXXX left message for XXXX XX/XX/XXXX - XXXX called me Listened to what I said had happened. Was apologetic Proceeded to tell me what a great employee XXXX the teller is and what a long history they have working together I again asked that the video be checked Now XXXX says she has to put a request in for that and it can take some time. And she is not sure if it is even available since it has been so long but would see what she could find and call me back note per above : XXXX the teller claimed she saw it and called me the next day ( XXXX ) XXXX - no call from XXXX the bank manger I called 3rd time to customer service Talked to XXXX for over an hour Was able to file a case XXXX Stated these are very difficult to file and the others probably didnt know how to do it This phone call was also about an hour long She said to expect 2-4 weeks for a response but that I would hear back and not to worry- apologized for all the delays XX/XX/XXXX no call from Huntington Investigated my options outside of the bank Small Claims court (? ) XXXX : Friend of our family who used to own a bank out XXXX. Recommend filing a complaint with XXXX XXXX XXXX XX/XX/XXXX : filed complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received an email from Wells Fargo to my business email informing me that my new account was open and the statement was ready to be viewed. I do not have a wells fargo account or did I open one. I called the bank and after an hour on the phone they would not tell me the name or anything about this account. They then told me they would return my call within two business  days.This was Thursday XX/XX/XXXX. They did not return my call so I called them today XX/XX/XXXX. I got the same runaround saying I did not have an account after being sent around to numerous departments. The email has some of the numbers x out and the last four as XXXX. The employee informed me it was a phishing email and the phone number listed was not one of theirs. He asked me to send it to XXXX. The problem is this employee lied to me! The number XXXX is a listed Wells Fargo number.This seemed very suspicious to me that he would lie to me. It seems they are not telling me the truth. I need to verify that some kind of a account has been opened without my consent.

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 2023-08-18
Company: EQUIFAX, INC.
State: VA
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: LA
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:
Equifax, XXXX, and XXXX is reporting the below referenced alleged accounts on my credit report as a collection account. 
- XXXX XXXX XXXX original creditor is XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX / XXXX creditor is XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor is XXXX XXXX I have disputed these item with the credit reporting agency , and they reported these accounts we're confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports. A bill is not proof of an account ownership. Also, XXXX XXXX XXXX and XXXX XXXX XXXX is in direct violation of the HIPPA Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
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:
HSBC contacted me, in late XX/XX/XXXX, via text and email, regarding their concern over a fraudulent charge, from a XXXX XXXX XXXX company based out of XXXX XXXX, Nevada, on my credit. HSBC noted that XXXX XXXX claims my wife, XXXX XXXX, made the purchase. I called HSBC and verified that the charge, made late at night ( XXXX on XX/XX/XXXX ) was not made by myself nor my wife, XXXX . 

I don't even have a physical copy of the credit card, I destroyed it, as I do not use this card at all. 

The HSBC rep then credited my card for the {$190.00}. He said he would be issuing me a new card. I asked him not to mail a new card, as I don't use the HSBC card. 

Two and half months later, on XX/XX/XXXX, I received a letter stating that HSBC contacted the XXXX XXXX, who claim they did indeed fulfill an order for my address and credit card. I can assure you, as I did with HSBC, that this is a fraudulent charge. I then called HSBC and was put in touch with the fraudulent department. I believe they are in XXXX, according to my email from XXXX XXXX XXXX, Fraud Operations Manager. I spoke with 2 fraud reps who looked at my file, said they had proof of the purchase, and then refused to talk with me regarding my stance. 

My issue with HSBC is ongoing, as they reinstated the charge and since I am refusing to pay, my credit keeps taking a hit, and I am being charged late fees as well. 

I found more than 500 complaints listed on XXXX regarding the XXXX company and the same fraudulent charges occurring for them. 

I have reached out to XXXX XXXX XXXX 6 times via email. 
Fraud Operations Manager - US Fraud Operations | HSBC Bank XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone XXXX Email XXXX XXXX responded to my first 3 emails back in XX/XX/XXXX, he included 10+ pages of XXXX receipts that I, nor my wife, ever initiated. I have reached out to him 3 times since and he has not returned my emails. 

I then mailed HSBC at their consumer affair office in New York, on 2 occasions ( XX/XX/XXXX and XX/XX/XXXX ) with my evidence of XXXX XXXX XXXX being a fraudulent company. I have not heard back from HSBC at all. 

My issue is : 1 ) HSBC contacted me regarding their concern of fraudulent charges and when I called to confirm such, the issue was handled. My account was closed, and a new account opened, with a new card - thus, in my opinion, justifying a fraudulent charge on my old card. 
2 ) Since then, HSBC has taken the word of a bogus company, with an " F '' rating on XXXX, over my word, the HSBC customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Early Warning Services, LLC
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Background : On XX/XX/XXXX, I sent a request on line to XXXX XXXX XXXX to open a saving account, and within XXXX minutes I received a rejection from the bank due to : Your deposit account score is a number that reflects the information from your deposit account history in your consumer report. 

Then the bank suggested that I contact : Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX, AZ XXXX Telephone : XXXX earlywarning.com/consumer The issue : On XX/XX/XXXX, I contacted Early warning and asked them to send me a copy of my deposit account and informed them the reason for XXXX XXXX XXXXXXXX rejecting to open a saving account! 
So I was told that it will take 15 days to complete the report!! And I asked them, the report should be available since it was sent to XXXX XXXX XXXXXXXX. Then they said it is not compatible to be sent to me in current form! 
However as of today, about 60 days later, I have never received the report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
The New XXXX XXXX XXXX XXXX  Website is Here AXXXX XXXX   XXXX Shop smarter by taking advantage of all the featured offers Alert : Change to your credit file detected, XXXX XXXX  Experian to me 7 hours agoDetails Experian Membership ID # XXXX   Member Sign In XXXX , please review your alert Credit file There's been a change to your Experian credit file.

Click for details Image Image Don't forget If something looks incorrect on your Experian credit file, dispute it in our Dispute Center and well review it.

File dispute XXXX XXXX XXXX XXXX XXXX XXXX   XXXX This email was sent because it contains important information about your account. Please note that if you have previously unsubscribed from Experian CreditWorks Basic, you will no longer receive newsletters or special offers. However, you will continue to receive email notifications regarding your account. To ensure that youll receive emails from us, please add XXXX to your address book.

Privacy Policy XX/XX/2018 XXXX XXXX XXXX. XXXX is a trademark of XXXX XXXX XXXX.

XX/XX/2018 XXXX XXXX, an Experian company. All rights reserved. XXXX XXXX XXXX XXXX, TX, XXXX, US Experian Reply Forward XXXX XXXX XXXX Conference on " Integrating Spirituality, Mindfulness and Compassion in Me ...

JXXXX XXXX XXXX XXXX No Images? Click here XXXX XXXX XXXX Email Blast Powered By XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Like Share Forward Preferences | Unsubscribe This is the problem when requested to " unsubscribe '' with Experian marketing, promotions and charges for further credit reports was not a follow response that my email will be removed only that Experian is aware of a unsubscribe will continue send emails against a consumers wishes! If there others out there experiencing an like this I have file a compliant about this breach and imposed continued harassment of unwanted emails that needs investigation and amendments to respect others right to privacy instead still using it as a source of public records invasion, too!

Thank you for this time to respond to these wrong doings!

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 2022-12-22
Company: AMERICAN HONDA FINANCE CORP
State: DC
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:
XXXX DISPUTE Important dates : XXXX - Lease matured, discharged from hospital XXXX - vehicle turned in via TOW TRUCK with receipt/GPS data XXXX - Honda Financial letter received saying vehicle has not been turned in XXXX - letter sent via certified mail to Honda financial disputing debt owed and that I had turned in the car to XXXX XXXX Have phoned XXXX XXXX at this point who says they do not have the vehicle XXXX - letter of past due as of XXXX for {$16000.00} XXXX - show up to XXXX XXXX and they miraculously find the vehicle in repairs due to battery issue, at this point I think fraud might be part of this ; unhelpful until I called the police to report the vehicle stolen and they buy the car from me then XXXX - call Honda Financial who says they are unsure if they can help, but get someone in sales to say this all checks out, call XXXX XXXX and am told that head sales guy will call me back to get it sorted ; he calls back later that day with email to send all documents and timeline to XXXX - send email that gets kicked back, though it says can take 72 hours to deliver XXXX - reach out to head sales manager who has yet to respond

Company response to consumer: Closed with non-monetary relief