BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
This is an append to my previous complaint : XXXX - I am not satisfied with their poor answer and unprofessionalism to avoid all the problems that i have already raised around the issue. 
The HSBC financial institution didnt respond to all my concerns and the horrible customer service i have met along this journey. 
Here are a summary of why i am submitting new complaint : 1. The poor service of their customer services on phone and through the online chat 2. The ticket that i opened to get guidance on my issue, and no one did provide the feedback 3. The call of the manager that i did not receive as confirmed with the agent on call 4. During the process of investigation, i sent more than one email to someone called XXXX. She was sending template emails without answering my concerns. I need to escalate his unprofessional behaviour of using template avoiding to take time to reply in a customized response to my concerns. 
5. The wire transfer didnt work before and they are not even aware of this issue in their response. They confirmed the contrarily 6. The time, efforts and money that i lost because of the above poor performance client service Please i need to re-escalate this complain to re-investigate again these pending issues

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: TX
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:
This company pulled my credit report on these dates unauthorized XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed on my credit report that I had a collection added from the company NATIONWIDE RECOVERY SYS. I have never heard of this company nor has this company reached out to me or sent me any type of notification as to who they are or whom they represent. From further research I also noticed that the original company came from XXXX XXXX which made me even more confused considering I send them money every month and have yet to receive any type of updated bill or receipts in regards to the alleged amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: CA
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 is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: WELLS FARGO & COMPANY
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX : XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount Financed : {$38000.00} Monthly Payment : {$800.00} Reported Outstanding Balance at Date of Loss : {$32000.00} Vehicle Totaled : XX/XX/XXXX XXXX Paid : {>= $1,000,000} XXXX Paid : {$1900.00} Wells Fargo Showing Outstanding Principal Balance : {$8600.00} Wells Fargo has falsely and inaccurately been reporting to all three credit bureaus that I have not paid any payments at all on the loan and still currently reporting that the loan is late by XXXX days. It also shows that the balance is higher than the amount that was financed at the date of purchase, which is incorrect. I have made all required payments less than the XXXX payments that were deferred. Even after XXXX and XXXX made their payments, Wells Fargo has failed to update the account to reflect any payment received and the updated status of the account. Wells Fargo Dealer Services is reporting as if I have never made any payments and owe them more than the amount financed, which is damaging and false.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC

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 2020-02-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 i deposited my tax return check of {$900.00}. I did not received anything the next day. So i contacted chase through XXXX  and was told that my check was on hold because it was being evaluated. I was also given number to contact chase about my check to ask to remove the hold. I called on XX/XX/2020 and was told i could not do anything about it nor they could remove it. I told them that i needed the hold to be removed so i could go elsewhere in person to cash my check and they did nothing to help me. I called numerous times and spoke to the head supervisor and she said i would have to wait until XX/XX/2020 for my funds to be deposited. Im now overdrawn on my chase account with overdraft fees. I have never had an issue trying to deposit my U.S Treasury Check!!! My money that i can't believe I'm having to beg for. I will close my account with Chase after everything has been resolved. It's unbelievable, never thought something like this could happen to someone who does things right on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27
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: Investigation took more than 30 days

Complaint:
XXXX XXXX Credit Cards XX/XX/2021 TransUnion XXXX XXXX XXXX Credit Cards XX/XX/2021 TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2023-02-13
Company: RentDebt Automated Collections, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When I moved out of XXXX XXXX XXXXXXXX XXXX apartments, I was incorrectly billed after satisfying my full lease per an agreement I signed in person with the leasing manager. After moving out, I received notice that they would be adding a charge to my account that I never agreed to or signed for. I emailed them to notify them that they were in breach of our original agreement and that the charge was not accurate. They ignored me and sent me to collections. I have sent several letters to rent debt ( the collector ) to get the charge reversed but they only respond with an old lease agreement that has nothing to do with the charge they are billing me for. 

This company was entering into apartments without authorization. Many of the tenants were alarmed by the behavior of the new ownership and management company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When I applied for a Mortgage with XXXX  I was under the impression I was pre-approved for a certain amount with the income I provided to them back in XXXX of XXXX in the form of paystubs and other various information that was asked on the application and form the loan officer. After searching for a home and entering a contract ( XX/XX/XXXX ), paying my due diligence fee ( {$2000.00} ), paying an appraisal fee of {$550.00} ( XX/XX/XXXX ), Having the appraisal and home inspection done ( {$520.00} ). I was then told after calling the agent on XX/XX/XXXX that my loan application will be denied due to affordability off of the fact that one of my incomes is a paid internship. I then was told by this same agent orally that I qualify off of the paid internship money alone ( XX/XX/XXXX ) and I then explained from my other job that I get paid the same amount off of my normal working hours I just had not been working those hours due to the paid internship because I did not believe that would be an issue with the mortgage considering the internship is ongoing through XX/XX/XXXX. I was then told if I could show the next pay stub I get these hours that I had stated, on XX/XX/XXXX then that could be leveraged to get me an approval. After a few days, XX/XX/XXXX, I was contacted again and was told that I would now need to provide a document from my company stating the talked about hours, pay rate, overtime pay rate, full time start date, bonus pay structure and dates from who handles the payroll will need to be provided in order to use any of the information. I then asked why would this need to be provided as it is all listed on the paystub and and additional information has already been shown too them. A supervisor was then brought into the picture and I was further explained that this was coming from " upper management '' and would need to be provided. I then asked supplemental information and was greeted with less that sufficient information to answer my questions unless the question were phrased in a hypothetical manner from either agent. Then on XXXX XXXX I was contacted by my process with an abrupt statement that My loan was denied due to affordability without sending in any of the information I was requested to gather. I am now confused and out of almost {$3000.00} that all could of been avoided if sufficient information was pulled and or verified before the pre-approval was placed. Alternatively, no money should have been taken from the account unless verification was done due to the fact that this makes or breaks the approval odds and terminates loan altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: MOHELA
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My servicer, MOHELA, has given contradictory and inconsistent information regarding my repayment terms and is unresponsive. On XX/XX/XXXX I submitted a request via studentaid.gov to have my income-based repayment recalculated in reflection of a reduction in my income, on which I asked for whichever payment plan had the lowest monthly payment. The FSA website estimated my monthly payment would be {$0.00} on the SAVE plan or approx. {$120.00} on the PAYE plan. 
On XX/XX/XXXX I received an electronic document ( dated XX/XX/XXXX but not received until XX/XX/XXXX ) stating my loans were placed on an administrative " processing forbearance '' from XX/XX/XXXX until XX/XX/XXXX. 
On XX/XX/XXXX I was notified my request for IBR recalculation placed me on a SAVE plan with a monthly payment well above my ability to afford ( approx. 22 % of my " discretionary income '' as calculated based on federal poverty designations, and roughly 20 % of my actual total monthly net income ) with a due date of XX/XX/XXXX, in contradiction of the processing forbearance previously stated. 
I could not contact MOHELA by phone as calls were dropped and unanswered. I submitted a message via MOHELA 's website on XX/XX/XXXX stating my belief the payment calculation was in error and requesting resolution/recalculation. This message has not been acknowledged or replied to as of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06
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:
In XX/XX/XXXX the credit bureaus adopted a new policy : tax liens and judgments will be removed from credit reports if they do not include the proper information identifying them to the individual. 

On XX/XX/XXXX I sent a letter to all three credit bureaus requesting that the following judgement be removed from my credit report due to the adopted new policy. 

XXXX XXXX Account # XXXX TransUnion XXXX the judgement and then added XXXX XXXX to my credit report as a collections account. According to Florida State Statute 95.11 ( a ) ( b ), a debt is no longer legally collectible after five years, thus making this debt no longer legally collectible. 

In XX/XX/XXXX, I was denied credit and requested a free copy of my credit report from all three credit bureaus. 

In XX/XX/XXXX, I received my free TransUnion credit report. I mailed a certified letter to dispute the XXXX XXXX collections and several other accounts that are listed on my credit report. 

XX/XX/XXXX, I received the results of TransUnions investigation. TransUnion stated that XXXX XXXX was Verified as Accurate and Updated. When I received my updated FICO score in XX/XX/XXXX, I noticed a 21 point drop in my FICO score. When I inquired as to why there was a significant drop in my score, the report states Presence of serious delinquency and public record or collection. 

Prior to me disputing the accounts on my credit report. My FICO score history was as follows : XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  According to the free TransUnion report I received in XX/XX/XXXX, Portfolio Recovery was showing on my credit report as a collections account and my score at said time was XXXX. However, after I disputed the XXXX XXXX my score dropped 21 points because of the presence of serious delinquency and public record or collection account appearing on my credit report. 

This leads me to believe that when TransUnion verified and updated my credit report, they reported the debt as new, which is called re-aging. This being the reason why my FICO score dropped 21 points. 

A creditor or collection agency that deliberately changes the date of a debt for the purposes of making it show up on my credit history or appear to be within the statue of limitations is breaking the law. 


Uploaded : Letter of Dispute XX/XX/XXXX credit report XX/XX/XXXX credit report XXXX FICO score report TransUnion XXXX FICO score 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 explanation
Consumer complaint received 2023-12-12
Company: Credit Karma, LLC
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention an issue I have encountered with my credit report. I noticed an unexpected drop of XXXX points in my credit score, which I couldn't attribute to any financial action on my part.

In an attempt to rectify this situation, I reached out to your customer service team. However, they informed me that they were unable to locate my information in your company profile. This was surprising and concerning, as I have been actively monitoring my credit through your services.

Despite my efforts to resolve this issue, it remains unaddressed. The unexplained drop in my credit score is causing me significant distress and potential financial harm. I am concerned about the accuracy of my credit report and the potential impact this could have on my future financial endeavors.

I kindly request your immediate attention to this matter. I am hopeful that upon receiving this information, you will be able to identify the cause of the score drop and rectify any inaccuracies in my credit report. 

I look forward to your prompt response and resolution of this issue. 

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX EQUIFAX XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I inherited my mother 's home as her sole heir through her recorded Will when she died XX/XX/XXXX. The home has a loan through Ocwen Loan Servicing/XXXX XXXX XXXX XXXX that originated XX/XX/XXXX. In XX/XX/XXXX, while I was residing at the property, the loan fell behind due to the financial strain of the circumstances and in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I attempted to assume the mortgage through a family transfer package with plans to follow with a modification application to address the arrearage per Ocwens ' council. All 3 transfer attempts were denied, per Ocwen, due to the lack of my possession of the property deed. In XX/XX/XXXX, I again applied for a family transfer based on my inherited rights and at the encouragement of Ocwen and was denied due to not residing in the property at the time of the application. In addition, I was made aware that despite my inherited interest in the property and payment of the monthly contract amount I was not eligible for family transfer. Specifically, if transfer occurred while I was not residing in the property or if said property was rented for 3 years or more, the mortgage would be due and payable. I have been making mortgage payments as agreed with Ocwen however I am now barred from title and ownership because I reside in Maryland to work as a XXXX  XXXX on XXXX XXXX XXXX. I asked for an alternative resolution and was not provided with any options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed a bankruptcy with XXXX and XXXX twice and they have failed to follow the law. After reviewing my credit report I noticed that there is STILL a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.SXXXX Bankruptcy Courts, The Bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. PLEASE SEE ATTACHED BANKRUPTCY LETTER. XXXX and XXXX is also violating 15 USC 1681b ( a ) ( 2 ) considering they do NOT have my consent to furnish any information. Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumers report. Activity and continuous violations are causing me great injury as XXXX and XXXX is preventing me from receiving credit to support and sustain my family. Public records information is NEVER validated by the Recorder of Deed nor the U.S. Court system due to Fair Credit Reporting Agency PRIVACY LAW. As required by FCRA 611 ( a ) ( 7 ), no information was provided after the 30 days.

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 2022-03-02
Company: DISCOVER BANK
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After reading and understanding my federal rights as a consumer. The FDCPA intends to secure consumer right to privacy, and protect consumers from the use of abusive, deceptive, and unfairdebtcollection practices bydebtcollectors. I believe there is abundant evidence that proves Discover Card has been participating in abusive, deceptive, and unfair debt collection practices. I'm requesting that discover card please deliver a notice of debt pursuant to 15 USC 1692g including the material disclosure required under Truth in Lending. Federal Law requires a debt collector to send notice of debt within 30 days of receipt of the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-25
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Never received a card its now been 6 weeks no customer service response at all. I am now XXXX   because of never receiving my card

Company response to consumer: Closed with explanation