BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My father passed away on XX/XX/2023, and I contacted the reverse mortgage company on XX/XX/2023, to get a payoff quote. I was told it would take XXXX to XXXX hours to receive the quote and asked for it to be dated to the end of the month. That should have given me about XXXX days to receive and process the payoff to them. They waited until the XXXX of the month to send me the quote which was due on the XXXX. The quote I received from them contained XXXX worth of bogus fees consisting of : XXXX for an appraisal that did not occur, XXXX for title examination fee, and XXXX for property inspection. All of this to pay off a home equity line of credit with a total outstanding balance of XXXX. They also told me that paying off the balance would not generate a paid in full letter or any other kind of release documents. They said I would have to call back for those. The company did order an appraisal which I rejected when I was contacted to schedule it by a random person in my area. I'm not sure what kind of title examination that was required on a property that owed less than XXXX and there has not been a property inspection. Suspecting that this company would use as many unscrupulous methods as possible to squeeze every dime out of my father 's XXXX, I wired a XXXX payment shortly after I requested the payoff quote, which should mean that they owe me money and they have yet to credit the account with the XXXX. Because I've previously been through a different situation with this company which wasted months of time and hours on the phone, I decided to go ahead and file this complaint sooner rather than later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: EQUIFAX, INC.
State: CT
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:
I called XXXXXXXX XXXX to let them know I refinanced my loan before XX/XX/XXXX. They were to receive the total mortgage balance from XXXX XXXX XXXX, my new lender. They received the total amount and still marked my account as delinquent. I have never paid my mortgage late as you can see in my report. I would like XXXX to fix this asap as this hurts my excellent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XXXX Fl XXXX XXXX  Account : XXXX XXXX XXXX XXXX Dear TransUnion I was reviewing my credit report and seen some inaccuracies on my credit report. You are reporting a duplicate account on my credit report that needs to be deleted immediately! As you are aware this is a violation of the Fair Debt Collections Practices Act or the Fait Credit Reporting Act. Please delete this item immediately. I know for a fact this XXXX XXXX account was not properly verified because this is not the original account holder nor have I received any documentation as asked prior showing the steps taken to validate this debt and an original contract with my signature. I want this account removed immediately!

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 2022-04-27
Company: CATHAY BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had the misfortune of having my account transferred without my consent to Cathay On XX/XX/XXXX, whose negligence is truly relentless. They sent me an ATM card instead of a debit card, which for no reason would not link to my account and could not be activated, but they were so negligent they didnt even realize what the error was. I wasted entire days trying to activate the card, and dealing with their customer service ; not only did they send the entirely wrong card, their system and agents had no idea it was the wrong card, what was happening and why, and I could not tell why it was not being registered. It was impossible to reach anyone at Cathay for hours on end because of their utterly faulty system ; when you did, they had no idea what they were talking about, and would only transfer you to a local branch. As I stated to them multiple times, I would be away the rest of XXXX ; even after it knew of its errors, the bank did nothing at all to expedite a replacement card, so I received a useless pin before I left and no card, still had no access to my account after a month, and had to make repeated last minute alternate arrangements to get money for my trips. I did not have any ATM access for almost two months because of their negligence. I can fully document all the calls I made, being on hold for hour after hour, day after day, my travel, my damages, and dozens of separate instances of Cathays negligence. It would take me three pages to outline it all, and the bank already knows of it and could not care less. This is an open and shut case of repeated gross negligence compounded endlessly by the banks transferring to me to local agents instead of anyone who could address the matter, and complete refusal to accept any responsibility for its negligence. Then, months later, I tried to find out if I need to set up a travel alert to use my AT card and what the fees would be, because, unlike any competent bank, that information is not available anywhere I looked on their website. I emailed their message system multiple times over 8 days without reply, and emailed XXXX XXXX, an alleged VP twice, and his response, without bothering to answer the question, was that he was forwarding my complaint to the legal department. I can not tell the incompetence from the animus and recalcitrance. Its astonishing they have a license to operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal actio XXXX XXXX  XXXX Balance Owed : {$140.00}

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is a formal complaint to inform you that the account listed below is reporting erroneously & are inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2020-09-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX. I am writing in regard to HSBC Banks unfair, racially distorted, and demoralization of ones disabilitybanking practices. The Consumer Credit Protection Act of 1968 regarded Americans safety from the previous longevity relinquished by governing bodies and financial institutions. In efforts to solidify all condensing and ambiguity associated with mistrust, Congress moved to shield consumers and their financial records from abuse. In the  years following, other laws refined consumer rights, spelling out how the government can access bank customers information, how banks treat borrowers and the way banks handle customer deposits. Considering this law to protect consumers are profoundly etched withing the moral fibers of the US governing lawsone would hope consumers would receive fair, indoctrinated, unplausible credence as it relates to the well being of our banking system. Unfortunately, this is not the case as biased departure still exists within our banking institutions. 

This is my third morse writing on dictates concerning issues that have gone strain. I am a young XXXX American male -- owning several XXXX XXXX XXXX. Each monetary increment is compelling to the survival mediates. Therefore, with the crude unguided acts of HSBC, there were several delaying constructs in which devastating financial tolls have impart. 

I have notified HSBC nearly five month ago, indicating the immediate release of all funds due in part. Nonetheless, days became weeks, weeks became monthsand now unopposed, months will soon become a year. Nevertheless, my relentless intent to mitigate, resolve, and embellish the ongoing dispute has resulted in over 200 hundred call, 70 emails, and numerous complaints to government banking agencies. Added, the coldness of hopelessness has begun to settle quietly within the vibrantly warm chambers of my heart. My XXXX XXXX, once divulged of animation, has now become the corridors of dismay and peturb. I am currently prescribed medication to resolve the refactors of my XXXX XXXX. 


In conclusion, my simple alp of requestreturn my funds quickly, for I am making monthly payments on liquid assets are loan imparts. I beseech assistance in resolving this issue with HSBCfor it has been several months with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: SYNCHRONY FINANCIAL
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Have received emails from Synchrony Bank - one as follows : A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER Inbox x Synchrony Bank XXXX XXXX XXXX  ( 6 hours ago ) to me Note : This email was sent to you by Synchrony Bank, the issuer of your AMAZON CREDITBUILDER Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your AMAZON CREDITBUILDER Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, USA. 

This is an unmonitored email box. Please do not reply to this email. 

Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/.

The other was a blank email from the same address titled : Action Required on your Application. 

THE PROBLEM IS, I DO NOT HAVE, NOR DO I WANT, AN AMAZON CREDITBUILDER ( or any other account ) from Synchrony Bank. 

I attempted to call their customer service, and, after 30+ minutes of waiting, finally reached " XXXX # XXXX '' who first claimed they were sent in error. I asked her when they were going to issue a retraction, and then was told, " Oh, we're researching who sent them '' and then " Oh, they're phishing emails, ignore them. '' IGNORE THEM????? If they're physhing emails, then when is Synchrony going to admit they've had a data breach????? 

Request your assistance in finding out what's REALLY going on!

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
After disputing inaccurate information on my credit report my name, personal information and history is not correct and has not been corrected accurately. I sent all original high-quality images of my valid ID and SSN card, police report and FTC report XXXX mail with current address, current Credit report with all inaccurate Information notated and highlighted to TransUnion LLC and XXXXXXXX XXXX XXXX to correct and they are reluctant to fix my correct true identity with is listed exactly the same on all of my documents. 

TransUnion LLC and XXXX XXXX XXXX are in violation of Title 16 part 602 sec 153, 154, 155 due to reinsertion of erroneous information which are results of Identity theft.

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 2022-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am writing this statement in regards to the fraud I had experienced back in XXXX of XXXX. From that time till XX/XX/XXXX, someone had accessed my account without my permission or knowledge and stole {$14000.00} ; which was money I had been saving to pay for school and basic living necessities. The card was a prepaid card given from XXXX working collaboration with Bank of America. I received a letter from Bank of America stating they had reviewed my claim and had made a decision that no error had occurred and that the transaction was authorized. This is a completely false claim. I am now currently appealing the issue from the bank but have not received a response back for several weeks now. 

Some evidence that points to fraud include the perpetrator using a fake email account to get into my bank account. The second information I was able receive access to with the help from the Bank of America employees was that the sum of money was taken out of my account and deposited to another account with the last four digits being # XXXX. Unfortunately I was unable to receive more information on the specifics of the perpetrators account but I crossed-referenced those last four digit numbers to the numbers of the only other bank account I have. This account is with the Bank of XXXX, and the last four digits did not match. 

I have been disputing this issue since XXXX of XXXX. Since, then I had filed a police report on XX/XX/XXXX, and sent an appeal.

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 2023-09-17
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, XXXX XXXX, has called, emailed and mailed me about an alleged debt of {$10000.00}. I have never done business nor have I signed any contract with this company yet theyre reporting a false amount on my credit reports. I requested a debt of validation from this company about this alleged debt in which they failed to provide me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! 

To Whom It May Concern, This is a formal dispute of information and reporting. I formally exercise my rights as a consumer to request that you only report True, Factual, Correct Current, & verified information and I request that any deficiently reported information be released and dismissed at once. I DEMAND In this lawful request I DEMAND that you initiate a complete investigation of the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid, or not. The following inquiries are not authorized : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 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 explanation
Consumer complaint received 2019-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I sent a letter directly to Capital One Auto   Finance account XXXX requesting all the legal documents that they should have in regards to the auto loan and everything with the repossession and selling of the vehicle. On XX/XX/2019 Capital One received my request ( tracking number XXXX XXXX XXXX XXXX XXXX ) and never responded. They are still continuing to report this account on my credit reports and they do not have the legal documents to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
I received my credit report. I have found the following account with errors and reported inaccurately. 
Capital One Credit Card Account # XXXX In pursuant to 15 USC 1666B, a creditor may not treat a credit card account under an open consumer credit plan as late for any purpose. Unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including information required by the section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date.

I the consumer was not giving a periodic statement.

I may also add in violation Fair Credit Reporting Act. In pursuant to 15 USC 1681 ( a ) ( 2 ), Credit reporting excludes transactions, late payments are indeed transactions.

I never gave you, Capital One, any written instructions to furnish any information on credit report in which a violation of 15 USC 1681b. You reporting late payments to the credit report agency has caused me stress and severe anxiety in regards to my consumer report. You, Capital One, should be ashamed to unlawfully report these inaccuracies. As well as committing fraud and causing financial harm to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently view my credit report and saw a unauthorized credit inquiry in my credit profile made on XXXX XXXX by XXXX XXXX and i will like to have this remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions 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:
This is my other attempt to inform CREDIT BUREAUS that I am a victim of identity theft and to file a complaint about specific records in my document as a result of their misbehavior. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, block the mention of any information in my credit report that resulted from alleged fraud. According to Section 605b of the FCRA, CREDIT BUREAUS is required by law to remove any ITEMS or information discovered to have been opened as a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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