BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2022, I contacted XXXX XXXX about checking my credit report because I wanted to do some things. XXXX XXXX ran my credit and informed me that HSBC had reported that I was two payments behind and that I owe XXXX. I immediately contacted HSBC concerning the issue. The HSBC Representative pulled up my account and informed me that it might be due to errors. The HSBC Representative informed me to email The HSBC Research Dept about the errors. I emailed HSBC Research Dept and informed them of the errors on my credit report. I informed them that XXXX XXXX had reported that I was behind two mortgage payments and that I owe XXXX. I informed them that I was not two payments behind and the amount is incorrect. I owe way less than XXXX. HSBC never contacted me. XXXX XXXX contacted me and informed me that HSBC had made the correction. HSBC contacted me in the month of XXXX and stated that I was in default and cure letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The CFPB closed my previous two complaints against Portfolio Recovery Associates just because the company responded by the deadline ( even though Portfolio did not successfully refute any of my complaint, they just made vague denials and equivocations ).

One of the representations Portfolio made is that it is not engaging in deliberate harassment of me in order to extort money by means of accounts too old to lawfully report on my credit report. They make this claim despite reopening 3 other collections that had aged off my credit report in retaliation the same day as my first CFPB complaint. 

Now they are fraudulently seeking to collect over 100x the actual amount of the original collection as a means of unlawfully re-listing it on my credit report in order to deliberately damage my credit. They have knowingly done this despite being informed several times that my job is contingent upon my credit reports ( background checks ). They are trying to make it look like I owe over {$310000.00} -- the original collection ( where they at least reported the correct amount ) was {$3100.00}. 

When will the CFPB take action against this dishonest company that constantly crosses the line and harasses and harms consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2022-03-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
hi XXXXhas a 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 710. XXXX has me at a score around 592. 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 XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported 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 2021-03-18
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed a complaint about this company already with this agency and they finally reached out to me on XX/XX/21 with a letter saying the agency contacted them. I spoke with a representative named XXXX who said she will fully process the dispute and that once the dispute is resolved the account and its fees will be closed. The money they filed a debt for isnt money I owe to them since they are just late fees for the disputed amount that I contacted them MULTIPLE phone calls about that they continue to not answer. I called this morning again and they kept passing me along from representative to representative with no information or response to my dispute or questions. Their customer service is absolutely ridiculous which is why I closed my account. I do not owe them anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18
Company: Finance System of Toledo, Inc.
State: OH
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Experian Information Solutions 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:
I have sent three letters to each of the credit bureaus XXXX XXXX  and experian since XXXX. The letters were sent XXXX, XXXX and XXXX. and I have not received a response from either bureaus. I have a number of incorrect items on my 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 2021-03-18
Company: ALLY FINANCIAL INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Here are the events : 1. I initiated XXXX transfer of my XXXX XXXX  from Ally to XXXX on XX/XX/XXXX 2. I received a dividend of {$470.00} on XX/XX/XXXX 3. At some point, this was moved an escrow account and reported in statements XXXX attached ) as being held in " Other account '' while the main account showed a balance of {$0.00} 4. I have tried contacting Ally many times ( XX/XX/XXXX case # XXXX, XX/XX/XXXX case # XXXX, XX/XX/XXXX, XX/XX/XXXX ) and was promised that this will be fixed, but to no avail 5. In my conversation on XX/XX/XXXX ( attached ), the agent said " Unfortunately, there is no eta on this resolution just yet and no case is needed. My supervisor confirmed that your account was already noted as one of the accounts that are effected and management is working to resolve the issue. '' and said he couldn't do anything else. 

At this point, it has been XXXX  months since Ally has been sitting on my funds and refuses to or fails to give me access to my funds.

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 2022-10-10
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: Problem with personal statement of dispute

Complaint:
this account had numerous unauthorized charges and filed and provided an FTC Identity Theft report as well as an IRS affidavit. I requested that they Do not disclose this information as is my right to request nondisclosure. And the original dispute took more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: PA
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 am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

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 2022-05-18
Company: Sezzle 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: Account information incorrect

Complaint:
I made a purchase using Sezzle. The item was never received. I reached out to sezzle to try and get some assistance and they were absolutely no assistance. They opened up a dispute and quickly closed it saying it was shipped. I then opened a dispute with the credit card that I used on sezzle. Between them reaching out to the company and me as well we were finally able to get the charge credited in full. I owed nothing to sezzle and the complete charge was credited back. While the credit card company does their research they do a charge back to sezzle and advise it is under dispute because they did this sezzle is stating i was late on my payment. I was not! I never receievd the item, the company i ordered from even credited the item in full after their investigation as well and sezzle was aware of the issue this entire time. I have attempted several times to get the late payment off my credit report and I originally was told this would be taken care of. 3 months later it is not. I reached out again after several ignored responses on their said and now they are advising they " can't go back and fix something already reported '' I don't have missing payment on my credit report. I am in the process of buying a house and this is effecting it and I have everything to prove this item was credited in full and it was never received and sezzle was aware from day one. please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX I called and sent letters in trying to get these removed, they stated they could not do this. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( XXXX ) and a serious breach of my privacy rights.

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 2021-03-18
Company: Ocwen 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:
My son was put into furlough from is job back in XX/XX/XXXX because of COVID19. He could no longer contribute to the finances of the household. I then reached out to my mortgage company, PHH Mortgage for assistance by deferring my payments. They agreed by creating a forbearance plan that began XX/XX/XXXX though XX/XX/XXXX. My hardship didn't end in XXXX so I asked PHH Mortgage for an extension and they agreed for three more months ending on XX/XX/XXXX. In XXXX, I was fully recovered and ready to continue making payments so I made a payment in XXXX. However, in XXXX, when I spoke to a PHH representative, they informed me that they were not prepared with a modified payment agreement and they extended the forbearance plan until XX/XX/XXXX. In XXXX, PHH reached out to me with a letter stating that a modified plan was constructed and that I needed to make three consecutive payments with my first payment on XX/XX/XXXX through XX/XX/XXXX. I made my payments and then in XXXX after my last payment, they reported to all three credit bureaus that I was delinquent on my payments when in fact I was on a forbearance plan. When I reached out to PHH Mortgage on several occasions, they claim that they are not aware of this action and claim that there is nothing that they can do about it. I have received several computer generated notices claiming that there is an investigation that takes 30 days to process that never comes to a solution. PHH Mortgage sold my mortgage to XXXX Mortgage right after the last trial modified payment was made but didn't inform XXXX Mortgage that I made my trial payments. I had to send XXXX Mortgage a copy of the signed and notarized paper as proof of the action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On the XX/XX/XXXX I happen to check my account to find out it was over drafted. No notice was mailed to me. emailed to me or even a phone call. I have there mobile app seen no notice of it. So I spoke with someone at Citizen online banking and they credited XXXX and XXXX and told me I had to pay other overdraft of XXXX . I had my girlfriend who is also a citizen bank account holder to transfer me XXXX $ to correct the XXXX $ charge and pay the XXXX $ fee remaining for overdraft. We used XXXX which I called and was told my account and my girlfriends accounts are both verified and transaction should have occurred in minutes. Citizen bank made it take a day. Boom another XXXX $ charge. I went to my local branch the lady at counter was nice I explained my situation this was about XXXX on XX/XX/XXXX she credited my account XXXX $ to fix it yet again. I checked my account at about XXXX said XXXX and I was happy finally. figured it was good I was good. Wrong. Check my account now XXXX XX/XX/XXXX - {$36.00} they hit me with another overdraft fee for no reason nothing is posted to my account other then what is listed below. 3 days of dealing with this bank and we are going no where with a resolution now id like to close my bank account out after this is over to protect my self from a predatory monetary system. Gon na attempt to resolve this tomorrow again but if they try to hard hand me again I'm getting a lawyer and contacting my state senator. Was told the FDIC was a trusted organization I hope so. 

XX/XX/21 Fee Rebate Dda Credit {$30.00} {$0.00} XX/XX/21 Debit Memo Sustained Od Fee - {$30.00} - {$29.00} XX/XX/21 Direct Deposit Citizens Bank N {$70.00} {$0.00} XX/XX/21 Preauthorized Debit XXXX Inst Xfer - {$32.00} - {$69.00} XX/XX/21 Fee Rebate Fee Rebate {$30.00} - {$37.00} XX/XX/21 Fee Rebate Fee Rebate {$37.00} - {$67.00} XX/XX/21 Service Charge Sustained Overdraft Fee - {$30.00} - {$100.00} XX/XX/21 Service Charge Sustained Overdraft Fee - {$30.00} - {$74.00} XX/XX/21 Fee Overdraft ( 1 At {$37.00} ) |eNotice - {$37.00} - {$44.00} XX/XX/21 Preauthorized Debit < -- - When overdraft happened. 
XXXX Inst Xfer - {$10.00} - {$7.00} XX/XX/21 DBT Purchase XXXX XXXX XXXX Co XXXX - {$10.00} {$3.00} XX/XX/21 POS Debit XXXX XXXX XXXX Dc XXXX - {$69.00} {$13.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me please delete immediately! 
XXXX XXXX XXXX XXXX {$45000.00} Opened - XX/XX/XXXX I did not authorize any company to run my credit delete inquiries immediately! 
-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 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY!

Company response to consumer: In progress