BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. It lists the current creditor as XXXX XXXX and claims the balance is {$3000.00}. They advised me in this letter that a judgment was entered against me and has been placed for collections. They claim that I am being charged interest daily and I have 30 days to dispute this. I do not understand how a judgment was entered, without my knowledge of this. To my knowledge, I have not received written correspondence from this company or the original creditor regarding this debt or the alleged judgment. I am researching here in California about credit card debt, collections agencies, judgments as well as statute of limitations and XXXX. This has not appeared on my credit reports, that I am aware of. Am I disputing this? Absolutely I dispute this. I am unsure if I should call XXXX to ask for written correspondence about this debt, with the name, address and account number, along with the name of the courthouse and Judge that issued the judgment. I understand that predatory lenders may try to trap you or get you to say things and I hesitate to call directly because of this. My understanding is that debt has a 4 year statute of limitations in California. I also understand that predatory companies will file against people without their knowledge, hoping to get a judgement. I believe this is what has been done to me. How can a judgment be entered without ever contacting me or serving me papers? I have blocked out any personal information as this website advises.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: CITIBANK, N.A.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX, I had XXXX $ wired into my account from a consignment sale in Florida from XXXX XXXX. Around the same time I had went to New York to pick up a motorcycle I was purchasing. Citi bank said I couldnt access my funds to buy this motorcycle because I didnt have debit card number to verify account, I had my neighbor get the mail at my home and send me a pic of it and verified the number. They told me I had to wait for a reference number in the mail then. I came back from New York, went to main branch office in XXXX XXXX SD. They cut me a check for XXXX $ told me to wait for the letter. I went back to New York got the bike. Came back got reference letter and gave it to them on the phone. They said the phone number was not correct with the account! I gave them every phone number I have ever had, none of them worked. They told me I had to wait for another reference letter. I went back to XXXX XXXX SD and talked to branch management! Explained this is my life savings, showed them state id, ss card, verified my phone number. Lady on phone with us from fraud dept, hung up on us after she said she closed the account, a check will be mailed in 30-60 days if any funds are deemed to be mine! This is a XXXX XXXX XXXX! I have XXXX $ of my life savings in this account I have not had access to at all since I have had it deposited! XX/XX/XXXX, was the date I was in South Dakota last so it supposed to be mailed by XX/XX/XXXX! I need my money, they have it and are not releasing it! I need action taken on this! Citi bank is a thief!

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 2015-06-10
Company: FIRST FINANCIAL SERVICES, INC.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Kindly treat this as a formal complaint about the unethical loan practices I recently experienced. I took out a loan with First Financial Services back in XXXX. I was later involved in a serious XXXX accident in XXXX, in which I failed to continue making the payments and had no further contact with this company. I recently received a notice from my place of employment that First Financial Services has issued a garnishment against me to repay this loan. 
My wife contacted First Financial Services yesterday and spoke with XXXX. I 'm not sure what was discussed between the XXXX of them, but my wife conference called me at work. XXXX said she had my file and discussed that I borrowed against a XXXX XXXX XXXX. The last communication she had was on XXXX XXXX, XXXX when I told her that I was involved in a XXXX accident. I asked her why am I now being contacted on a charged off debt. She laughed and said because she found me ... XXXX also mentioned that a deputy served papers to my address and obtained a signature. I advised XXXX that I never signed anything. The address on the court document is a residence we moved out of 3 years ago. I had n't lived at that address in over 3 years and do n't know who occupies that residence. She said it did n't matter and what matters is that she has a signature and she found me.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting 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 accoun1ts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 1681 c. ( 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 non-monetary relief
Consumer complaint received 2023-05-07
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I transferred {$1800.00} it to my block chain account when I went to transfer it to my cash app XXXX wallet I sent it to an account I dont use anylonger $ XXXX My account that I use is $ XXXX I contacted them they wont help me at all Ive contacted support Ive emailed support there email is full I want my XXXX its sitting in an account I dont have the phone number or the old debit card please help they have blocked my contacts my old debit card and phone numbers on purpose I can not access my old account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX ) Date notices sent and due date too close, always notified of late payment. 

XXXX ) Also, interest rate WELL above reasonable ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have on three separate occasion in the past 90 days tried to call Trans-union to have these hard inquiries removed from my report as I dont recognize them and these companies have not sent me any information in regard of the reason of inquiry. This is unalwful 604. Permissible purposes of consumer reports.

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: Experian Information Solutions Inc.
State: TX
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:
Subject : Urgent Request for Assistance Regarding Fraudulent Entries on My Credit File Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to you with a matter of utmost urgency that requires your intervention and expertise. It has come to my attention that my credit file contains negative entries resulting from fraudulent activities. I am reaching out to seek your assistance in rectifying this situation and ensuring that my credit report accurately reflects my financial history. 

These fraudulent items have significantly impacted my credit score and financial standing, causing immense stress and hindering my ability to make important life decisions. In particular, I am currently in the process of purchasing a home, and these erroneous entries are proving to be a substantial obstacle in securing a favorable mortgage rate. 

I am aware of the Fair Credit Reporting Act ( FCRA ) and its provisions for addressing inaccuracies and fraudulent information on credit reports. As a consumer, I have the right to dispute these items and request their removal from my credit file. However, despite my efforts, I have encountered difficulties in navigating this process on my own. 

Given the complexity of the situation and the urgency of my need, I kindly request your involvement in escalating this matter to the relevant credit reporting agencies. Your expertise and intervention can significantly expedite the process and ensure that my credit report is accurate and fair. 

I am also seeking your guidance on involving the Consumer Financial Protection Bureau ( CFPB ) in addressing this issue. I believe that their oversight and involvement will provide an added layer of assurance that my case is thoroughly reviewed and resolved. 

I understand that your office has a commendable track record of advocating for consumers ' rights and rectifying credit reporting discrepancies. Your assistance in this matter would not only alleviate the immediate challenges I am facing but also contribute to upholding the integrity of the credit reporting system for all consumers. 

I have attached relevant documentation ( identity theft affidavit and police report ) that supports my claim of fraudulent activities affecting my credit report. I am more than willing to provide any additional information or undertake any necessary steps to facilitate this process. Your prompt attention to this matter would be deeply appreciated. 

Thank you for your time and consideration. I eagerly await your response and guidance on the next steps to rectify this distressing situation. Please feel free to contact me at [ your contact information ] at your earliest convenience.

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 2023-08-11
Company: EQUIFAX, INC.
State: OK
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:
Please provide me the documentation on how you verify that I am late for these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXXXXXX 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2016-12-22
Company: Dorough & Dorough, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The hoa attorney tried to add more money to my Hoa account, and using scare tactics to try and get me into a consent order. They-she refused to ever tell me what my true balance was in our settlement talks, I believe it was a lie just to conceive me into signing this consent order, when going over the bill. I never saw a settlement amount in the ledger they sent me. She also further stated her attorney fees was over $ XXXX for an illegal foreclosure that was suppose to voided out however, she still sent me information as though they should have been justfied. I have hired an attorney and plan to take action up with the state bar, and further a lawsuit The Hoa submitted a letter saying that I owed this $ XXXX in fees and when I disputed it, I was told that it would have to be paid to Clear the ledger when I was closing on my home I sold or that I would n't be able to close, the closing attorney informed me to take the action up with them on my own. The HOA XXXX XXXX XXXX refused to give me clear understanding about the amounts, and when question the attorney refuse to answer any of my questions. just kept sending me a copy of a consent agreement. I also was charged unfound fines, that attorney XXXX told me she would have credit back, The HOA seems to be bias and discriminates on people they want to without treating everyone fairly, The old president broke several rules and was never fined.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The original case number was reported in XX/XX/2017, stating that my wife and I are in the middle of Short sale. I would like to report with proper documentation from XXXX that the house was sold on XX/XX/2017. The property address XXXX GA, XXXX. XXXX and XXXX do not own the house anymore and please see attached documentation that the amount owe needs to be taken off from our credit. This is no longer our debt, we sold the house. See attached closing documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 non-monetary relief
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: GA
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:
These inquiries on my credit report are unauthorized and I don't appreciate inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2021-06-15
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
{$6000.00} is in my PayPal account and i had an email in last year saying, i can withdraw my funds through my bank. Im trying so many times and calling PayPal customer care for help. So i can add my bank or card to withdraw my funds but no one seem to help. They only tell me I should wait for an email and it has been almost 8-9 months they keep saying this to me. I really need my money in the PayPal account. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK 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 2023-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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 used my CapitalOne credit card to pay for a service from XXXX. XXXX never completed their end of the agreement and I spent months trying to work with them and ended up never getting a response. Since they refused to refund me the money, I called CapitalOne to explain the situation and dispute the charges. After sending in documentation that showed the company was unresponsive, CapitalOne reversed the charge on my account, only to reverse it again and tell me the charges were valid. The initial charges were on XX/XX/2021 for {$470.00}, {$1000.00}, {$150.00} and another charge on XX/XX/2021 for {$100.00} bringing the total to {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am writing this on behalf of my wife, as I manage our student loans. 
We spend approximately 40 % of our income on student loans. Given our earning potential and current income we would be lucky to pay off our student loans in the next 40 years. 
We 've even had to take out a second mortgage on our house to make student loan payments. Because my wife 's profession is never expected to have the earning potential to pay back their student loans and she works for the government at an even lower rate than the private sector ; we were told that we qualified for student loan forgiveness on her student loans. This was great news for us. We went through the entire certification process and got all of the approval letters. But, when I called to get the estimated pay-off date, they told me that we did n't qualify because we were n't paying enough per month. This is utterly ridiculous since we pay the full amount every month and have it set up on auto-pay. 
When I inquired further ; I was told that we would have to change repayment plans to one which would cost us an extra $ XXXX/month before we would qualify. 
Considering the change to this new payment plan, we would actually spend the same amount of money to have her student loans " forgiven '' as we would without the " forgiveness ''. The representative even told me it was n't worth it to use their " forgiveness '' payment plan.

Company response to consumer: Closed with explanation