BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 I received an email alert that there was suspicious account activity on my HSBC checking account, which I opened about a month prior. I had never received my debit card nor any subsequent mail until I realized on that day ( XX/XX/XXXX ) after checking online that my account had multiple unauthorized withdrawals made for the past month without any notice given to me. I immediately called their HSBC Security Center that night when I checked my emails, which I was later directed to call their HSBC Fraud Investigations to open a case. This was the beginning of my ordeal. 

I had submitted my form to have a refund of {$1500.00} from unauthorized withdrawals and {$22.00} from ATM fees, but that initial mail was not received through mail, so I had submit a scan of another form for those amounts. I had already submitted a police report online, and then later again in person after instructed by my HSBC investigator, XXXX XXXX. For the next several months no progress has been made and I had tried to contact my investigator multiple times ; every time someone else picks up the phone, promises me that XXXX will call back as they send an internal email to him, but for 3 consecutive months he has NEVER called back. I have had 26 calls with their office between XX/XX/XXXX to XX/XX/XXXX and I am left in the dark, having to put up with a range of disrespectful representatives, tons of distress, and now monthly maintenance fees, which now total to {$60.00} ( {$15.00} charged per month ). At one point a representative railed at me and decided to deny my claim on the spot, even though that person knew little about my case. I never made those withdrawals because I never even received my debit card! 

The case still remains open, but I strongly believe that HSBC is trying to wait me out and want me to give up, or at least wait until my checking account reaches to {$0.00}. I am reaching out to the CFPB because there is injustice, waste, and total disregard for their HSBC customers within the fraud department of HSBC by making me suffer for the past half year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXXXXXX XXXX XXXX XXXX  WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Owed : {$85.00} ; XXXX XXXX XXXX XXXX Owed : {$19000.00} XXXX XXXX XXXX XX/XX/XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone applied for a credit card at XXXX MC through Comenity Bank using my ID on XXXX XXXX. It is a fraud as I have not applied for it. I have alerted XXXX fraud department about ID theft. They will follow up to cancel the credit card. I don't know how much has been charged to the credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
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:
I just noticed that there have been several inquires that have been added by someone that have stolen my information. THIS IS FRAUD.

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 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 do not recognize these hard inquiries on my TransUnion credit report XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2021, XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type I also do not recognize any of the hard inquiries on my credit report from XXXX, or XXXX either 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 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 inquiries from my credit report since I have never authorized them. XXXX had removed these already but TransUnion is still reporting these items.

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 2023-07-28
Company: Avant Holding Company, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have enrolled in XXXX in XX/XX/2023, a nonprofit debt counseling program, to help me restructure my credit card debt, as I have fallen on hard times. I was trying to avoid XXXX  XXXX bankruptcy. XXXX sends a monthly payment to this creditor, who accepts it, but keeps charging me late fees and over limit fees. They have also reported my account as delinquent with the XXXX reporting bureaus. XXXX has been trying to work with the creditor to remove the default from my credit reports, to reduce the interest rates, and to accept a lower monthly payment, so I can avoid filing for XXXX  XXXX. Instead this creditor is trying to hold my hostage, but charging late fees/overlimit fees/sky high interest rates and strong arming be my reporting I am default/late payments/ when I enrolled in XXXX when there were no late payments or default on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: NV
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:
Privacy and confidentiality under 15 USC 1681. 
Account name, XXXX XXXX # XXXX Account name, 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 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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 more than 7 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 2021-10-13
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen and used to open a fraudulent account XXXX {$1600.00} without my knowledge. This fraudulent account appears on my credit report and is having an adverse affect on my credit rating. I did not open 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 explanation
Consumer complaint received 2023-07-28
Company: Bread Financial Holdings, Inc.
State: NY
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 contacted the company to get a signed affidavit to file a police report and no one could help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: DISCOVER BANK
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I had a checking account with XXXX ( XXXX, XXXX, NJ, XXXX ) on XXXX XXXX - Transferred - {$10000.00} XXXX to Discover Saving XXXX XXXX Closed XXXX XXXX XXXX XXXX to Discover Saving XXXX XXXX Discover revers back to XXXX XXXX went to XXXX XXXX and asking for my money but they told we didn`t have your money we have transferred to Discover. 

XXXX I have called to Discover and they told we don`t have your money. 
XXXX I have called to Discover and they told we don`t have your money contact to XXXX. 
XXXX I have called XXXX they told we have closed your XXXX and We didn`t have your money. 

I am redirect to XXXX to Discover and Discover to XXXX but nobody told Where is my Money and when can I get it. 

I would like to help me what should I do to get money and who can help me to get money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom it May Concern : I sent out letters on behalf of the accounts listed below for inaccurate information : XXXX XXXXXXXX XXXX XXXX  Account Ending XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Department of Treasury Account Ending XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXX XXXX  Account Ending XXXX XXXX  Account Ending Milestone XXXX XXXX Account Ending XXXX XXXX  XXXX Account Ending XXXXXXXX XXXX XXXXXXXX Account Ending XXXX XXXX  XXXX Account Ending XXXX XXXX XXXX XXXX XXXXXXXX I saw that 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was a secondary card holder on my mother 's AARP Rewards Chase credit card. My mother died on XX/XX/2021 and Chase cancelled the account. After her death many returns were made to merchants. There is XXXX return where XXXX credited the Chase account, and Chase has never made a refund to me as the next-of-kin who is settling her affairs. I have received other refunds from Chase. I have called the Chase Estate Department multiple times at XXXX and have been consistently told that XXXX did not make a refund to Chase. That is not true. XXXX refunded {$44.00} to Chase on XX/XX/2021 at XXXX XXXX I have provided Chase with the refund transaction code. Chase 's wrongful retention of the {$44.00} is theft. I have asked Chase in writing to refund the monies, plus interest since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
i've tried to have my credit report fixed through disputes, to no avail with all three major credit bureas. They are infringing on my common law copyright without authorization, they have caused me tremendous damage and suffering. I can not get approved for credit cards because they're willfully and knowingly violating their role in doing proper investigations. I've sent proof of 2 two credit cards paid in full with a XXXX  balance and they are still reporting that i owe a debt when in fact I do not. Furthermore, I never authorized these agencies/creditor ( s ) to furnish my non public information. They're not able to produce evidence of this, so now I've sent in my Common Law Copyright, Notice of demand, UCC financing statement, and my legal/lawful notice of demand to which i'm demanding my credit file be updated with demands requested. I will continue business only if demands are met. I've been denied credit on numerous occasions due to the improper use of my credit report by these companies. They continue to ask for the same information when I was clear on the accounts in dispute, I also spoke with these agencies wherein XXXX  was very disrespectful and threatening with abusive speech. They're assuming a vital role in furnishing information without authorization and will/shall be held liable if credit report demands aren't met. I urge them to aquire my written authorization from these so called creditors verifying that I authorized them to report anything on my behalf, which I never done. If these reporting agencies can not verify I want demands met effective immediately. This is the correct thing to do. My notice of demand must be adhered to. They're not authorized to furnish

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 2021-10-14
Company: JPMORGAN CHASE & CO.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was served papers last week stating I was being garnished for a credit card from Providian national bank taken out in my name on XX/XX/2000. I was a stay at home mom at this time and I have never had a credit card in my name during that time. someone forged my name and I can not pay this garnishment. I am willing to do hand writing sample to compare the signature and prove it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The Credit bureaus stated my accounts 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 is grounds for removal of these accounts

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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # TransUnion- XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 FCRA, Fair Credit Reporting Act, this creditor has violated my rights under 15USC 1681 section 602 states I have a right to privacy.

604A Section 2 states consumer reporting agency can not furnish an account with out my written instruction. Under 15USC 1666B a creditor may not treat a payment on a loan account under an open consumer credit plan as late for any purpose.

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 2023-01-09
Company: Fay Servicing, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We received the reply from Fay Servicing and they sent mail correspondence to the wrong address and we sent all the info they needed several times!!!! I have copies of the emails that successfully was sent!!! How is it our fault that Fay Servicing didn't process our emails at all!! Everytime we called we got different answers!!! With first complaint, I sent screenshots of the emails that went thru! We need to keep our home and I have emails confirmed of sending proper documents from XXXX thru XXXX! This is not right!! XXXX has federal attorney for sister ... .I guess we have to call her! 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XX/XX/21 call TransUnion XX/XX/21 call TransUnion XX/XX/21 call TransUnion to dispute 10 hard inquiries that are inaccurate reported XX/XX/21 XX/XX/21 XX/XX/21 call XXXX about 3 hard inquiries that are inaccurate Sent a letter to dispute on XX/XX/21 no response

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 2022-02-21
Company: TD BANK US HOLDING COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, I was the unfortunate victim of a XXXX XXXX data breach in which malicious actors were able to gain access to two factor authentication methods to make unauthorized charges on XXXX  customers credit cards. They did it via a method called SIM Swap. XXXX has acknowledged this but has done nothing to help me. On XX/XX/2021 I lost access to my phone connection for that evening and that was when this happened to me. Someone tried to make various purchases on a TD credit card that I havent used in quite some time. They tried making purchases at XXXX and XXXX XXXX. The dior ones were declined but for some reason they were able to successfully purchase an XXXX at XXXX XXXX and make it look like it was me. I have attached the receipt and transaction total. I immediately contacted TD to file a fraud dispute and close my card. TD says they are investigating but I also want to file this complai because TD has yet to reverse the charges. TD has told me that it is going to time to resolve the claim but i am growing increasingly concerned about the charge on my credit card for {$1300.00}. This has been a very upsetting situation for me as a single mother on a very fixed income. I am asking you for your help to recuperate my loss. I did not make this charge and I am saddened that I was a victim and potentially liable for this charge. I have sent you all the information that I have. I also went into the XXXX  store in my neighborhood and they went into my account and saw that someone infiltrated my account on XX/XX/XXXX under the guise of it being me. I have not heard anything from TD bank regarding my claim, no letters, nothing. When I call TD to ask about it they say I have to wait. In the meantime they are demanding me to make minimum payments on my credit card which I can not afford, and adding finance fees and late payments to my account. It is in dispute so they are not supposed to be adding on fees. I am suffering from XXXX because of this and am turning to you for help, please. I did not make this charge and TD has done nothing to help me. I need this charge reversed so I can move on with my life. I have attached some information that will help you make sense of this including a news article about sim swap fraud. they were able to gain access to the point that they posed as me to make a purchase at XXXX XXXX without my consent. TD allowed this charge to post. I am furious and saddened beyond belief that they allowed this to happen to me.

Company response to consumer: Closed with monetary relief