BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IC System is reporting 1 debt as 4 separate accounts although it's 1 account from 1 physician for 1 patient. I contacted the company on XX/XX/2018 and was told instead of reporting the 1 account as a whole they broke up the charges into service dates and reported each date separately. I have a letter from IC System dated XX/XX/2018 which lists 1 total balance of {$1100.00} NO individual charges or service dates listed. 
On XX/XX/2018 IC Systems reported 4 separate accounts for {$500.00}, {$310.00}, {$210.00}, {$90.00}. This is deceptive and was done purposely to have the biggest negative impact on my credit score. There is 1 account and only 1 amount.

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 2023-06-02
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I logged in into my online banking on XX/XX/2023 and noticed several unauthorized transactions on my account, so I proceed to lock the card and requested a new one. 
I tried to reach customer service many times without success to report those transactions as fraud. 
My card was lost, didnt have the pin written on it and I didnt allow someone else to use my card. Also I never did business with them in the past. 
Attached goes the 2 screenshots with the unauthorized charges.

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 2020-06-10
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
One day out of the blue, Paypal limited my account and all they say is that my activity is somehow " suspicious '' without an explanation. Also they are putting a hold on my money for 180 days. At this time I have over {$90.00} in my account and I want my money immediately, not in six months. This is my money and I should have it immediately. To me {$90.00} is a lot of money and quite a hardship that they are keeping it, especially during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: ENCORE CAPITAL GROUP 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 sent my FTC identity report to this company and they sued me as well as still reporting these fraudulent accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/XXXX, i had received a wrongful derogatory notice from XXXX insurance company. it was about missed payment which never i was not aware of .So i have decided to pull out the full report of my credit .I have found so many unrecognized inquiries which i never requested.Those inquiries are from the following companies : 1-SANTADER CONSUMER XXXX XXXX XXXX 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 
I do not have any affiliation with those companies mentioned above and i want their fraudulent inquiries to be removed in my credit report. 
Thank you for understanding and your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 2015, my son, XXXX XXXX XXXX, asked me to co-sign his lease with XXXX XXXX XXXX, which I did. After this 12 month lease EXPIRED, my son signed a NEW LEASE. He did not ask me to co-sign on this NEW, 12 month lease. As a result of situations which I am not aware of, my son, XXXX XXXX XXXX, moved out and early terminated his lease with this company. If he does owe money for moving out before his 12 month lease was concluded, then that financial obligation is not mine. Now, it appears XXXX XXXX, purchased this/his debt, I did not CO-SIGN as responsible for the debt my son incurred with his 2nd lease with XXXX XXXX. I feel XXXX  and TRANSUNION did not OBTAIN certified or LEGAL documents from XXXX proving I CO-SIGNED for this debt, and continually inform ME, without proper documentation and a competent thorough investigation that the debt is valid. I do not owe 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 2023-06-02
Company: SYNCHRONY FINANCIAL
State: NY
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:
Tried to login to my Amazon  credit card account and didnt realize I was trying to login into a fake synchrony website that is completely identical to the Amazon one. I realized it was fake because it said I didnt have an account with them. Went back to the search page and they were side by side identical. Entered all my information to try to retrieve my account because I had forgotten my login and password. Even asked for my last 4 digits of my social

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 2020-06-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX DOB XXXX SS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Kriya Capital, LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We first received a letter from this company named " Credence XXXX XXXX XXXX ''. The letter we received was a bill that was summed up to {$3100.00} XXXX. This bill was supposedly for the XXXX XXXX XXXX as a creditor. We searched up the website online " XXXX '' it was very suspicious on first sight. Instead of a log in, or a first time user, it asks for a " XXXX XXXX  XXXX ''. Upon clicking that link it asks who is your creditor is. Upon the options ours as " XXXX XXXX XXXX  '' was there, there also was XXXX XXXX XXXX, XXXX and XXXX, etc. Which we found even more suspicious because those companies require account information to pay off their bills. After accepting their terms it instantly asks for checking and or credit card information. We called this company via the phone number provided in the letter around XXXX XXXX  of XX/XX/2021. Between their call hours. An person with a heavy XXXX accent said you have to at least put a down payment of {$1000.00} or more for a discounted price on the balance. We did not put any payments and we hung up. We would like some help to verify this " Debt Collector Agency '' to make sure its legitimate or we should avoid this bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 2023-01-06
Company: MOHELA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
MOHELA/DEPT OF ED is violating my consumer right by sharing my nonpublic personal information without my consent or providing me a proper notification of my right to opt out before doing so. This a violation on my customer right under the law.

Account : XXXX  15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This bank repeatedly and regularly declines transactions that I have funds in the account to cover, removes said funds from my account anyway as a pending charge that you cant dispute until it posts, which it never does because they declined it immediately, and then wont put the funds back in the account for an irregular and sometimes indefinite amount of time. Every time i call about it Im told tomorrow and then tomorrow comes but the money doesnt. This has happened 3x ( usually 2 or 3 pending charges each for a purchase that I was only trying to make once ) in the last 3 months with 3 different vendors and usaa keeps trying to tell me the problem is with everyones system but theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: SC
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: Investigation took more than 30 days

Complaint:
I sent disputes on the attached and they have not responded in the 30 days they have by law. All disputes must be deleted from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a dispute with XXXX over an item I received that wasn't working. Company agreed to give refund. I ask XXXX if I can refund the entire purchase amount since the only way I could get the computer to help with a non-working item was to file a dispute. XXXX agreed that it would be a legitimate claim. I asked the retailed for a prepaid return label. They sent me one. I mailed all the items from order back to company and sent XXXX the tracking information. After the retailer got the return package, XXXX denied claim. If I were a betting person, I would bet that XXXX is siding with XXXX government on this one and since I already paid off purchase, I have lost the cost of the goods and have no goods and it is a result of the company not sending a working printer in the first place.

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 2020-04-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Tried to use an HSBC credit card I had for a while and it would not go through. 

A week later I get a letter that says the account would be closed if I did not use the card 3 weeks ago. If I wanted to keep the card, I need to use it 2 weeks before I got the letter in the mail ... 

Then they sent me another letter ( enclosed ) that the first letter was a mistake and I could used the card NOW if I wished to keep the card. Again when I used the card it was declined. I called HSBC that weekend and of course they said once again the card was closed. 

My contention was both letters were mail fraud and a backwards paper trail of why they closed my account TO MAKE IT SEAM LIKE THEY DID NOT CLOSE IT ALREADY. 

They are just trying to close accounts ahead of the Corona-19 problem which I understand but by sending letters too late and playing games which I assume is against banking laws. Enclosed is the second letter acknowledging the first letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-06-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2018-02-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was a account holder at wells Fargo for many year, before I decided to apply for a credit card. I was not approved for a regular credit card, but I was approved for a {$400.00} secured credit card on XX/XX/XXXX. Around XX/XX/XXXX they allowed a car rental place to over charge my secured credit card. And closed my card immediately. When I called them they said you went over your limit. So I asked them how? They told my the car rental over charge me and there's nothing I can do to reopen the account. And when I tried to pay they deny my payment. And once I did pay the account in full. I never received my {$400.00} back plus I payed the total amount. They made me pay a {$1000.00} plus they took my {$400.00} from the secured credit card. Because they did not applied it the bill amount.

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 2022-03-09
Company: SOUTHSTATE CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
We applied for a business start-up loan, fall of XXXX with SouthState Bank XXXX XXXX by the XXXX ). Our contact was XXXX XXXX, at the SouthState Bank location in XXXX XXXX, GA. In XXXX of XXXX, we were offered loan terms and the loan was moved to the underwriting department. At the same time, we were charged {$2500.00} as an underwriting fee to be refundable minus " out-of-pocket expenses '' ( see attached term sheet for details on the terms of the fee ). In XXXX of XXXX, we were denied that loan and told that 10 % was going to be kept for " man hours '' ( see attached email - Campground Decision ). Please note, man hours are not out-of-pocket expenses. When we asked for a receipt, or itemized accounting of the fees kept, we were told " they do not issue receipts '' ( see attached email - It Ain't Camping Receipt ). After XXXX full weeks of repeated in-person visits to the bank to either obtain a receipt, or the {$250.00}, SouthState Bank opted to refund the {$250.00}, rather than provide a receipt. 

While our issue has been resolved, how many other people have they decided to arbitrarily keep 10 % for " man hours '' under the guise of " out-of-pocket expenses ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was making a payment on my card after a payroll issue had delayed my paycheck when I notice there was a restriction on all of my credit cards. I called to find out what was going on with my accounts. When I spoke with a specialist they informed me that my cards had been closed and when I asked why they stated that is was a banking policy of returned payments & when I stated that I didn't have that issue, they checked & confirmed that I was corrected. I also stated that this policy is nowhere in the paperwork that I received with the card, nowhere on Capital One 's website and that this was the first that I had heard of this policy nor was there any paperwork signed acknowledging this policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX I received a solicitation for a HSBC Cash Rewards credit card. I fulfilled the {$500.00} spend requirement in the first statement cycle and as of today the advertised {$150.00} bonus was not credited to my account. However I have noticed in points category the increase of the points pointing to the some type of credit being given. I attempted to contact the HSBC twice about this each time holding in excess of 30 and 24 minutes respectively however I wasn't able to get anyone on the line. My husband complained to the company 's executive office ( he's a journalist ) however beside a form letter promising to look at the issue ( ASAP ) nothing has been resolved and done.

The letter sent to me specifies {$150.00} welcome bonus in cash back and not points that I can not use. I appreciate the bank to issue the {$150.00} credit to my balance.

Company response to consumer: Closed with explanation