BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I'm new to the XXXX and have started with my XXXX employer a month ago. 

I received a cheque from employer that I deposit on my XXXX HSCB account XX/XX/XXXX. 

I then receive an advance from HSCB on this cheque ( XXXX  XXXX ) that I transfer to another my XXXX  credit card. XXXX has an account on my name with the XXXX XXXX saving banks. I send this XXXX  XXXX to my account on XX/XX/XXXX. 

I then get paid the full cheque on the XX/XX/XXXX by HSBC and I immediately transfer the rest to the same account with the XXXX XXXX XXXX. 

I then receive on XX/XX/XXXX an e-mail from HSBC saying the below : " On XX/XX/XXXX, you initiated our trial deposit verification process to verify ownership of your XXXX XXXX XXXX XXXX, Checking account. 

To verify this account, we attempted to make two small deposits and a withdrawal for the total amount of the two deposits. Unfortunately, our attempts have been unsuccessful. 

This is because XXXX XXXX XXXX XXXX, Checking has indicated to us that the account for which you have requested verification is unable to accept transfers. '' I immediately contact them ( the customer service, I don't have a relationship manager ). They say the money is out, give me a reference code and tell me to contact the receiving bank. Which I do, I open a case with them, they don't find anything. 

On XX/XX/XXXX I call HSBC again, they're trying to put me through their Payment team. After being unsuccessful doing so, they say they will call me later. They never did This money is my salary. I can not eat neither pay my rent without external support. 

I would appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: JPMORGAN CHASE & CO.
State: NY
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 was unfortunately late on a payment with my Chase Shappire credit card in XX/XX/XXXX that did not exceed more than 30 days. This was just basic human error on my part and I have not been late ever since. I've only had this card since XX/XX/XXXX and it is my only credit card. When I called Chase to remove the late mark on my report I was told I was past the 90 day grace period and they can not remove the remark. I tried calling a few more times and even disputed it with all 3 credit bureaus and still no luck. 

I recently applied for a small loan for debt consolidation and was denied. The principal reason for denial was : missed payment reported on my credit report. They checked both XXXX  and XXXX. My other 2 loans reporting on my card ( 1 school and 1 personal ) both have no late or negative remarks as they have been paid on time every month. 

After doing some research it states that 35 % of your score is based on your payment history. I think this may be the reason I have been denied as I applied for a school loan and one other credit card between XXXX and XXXX of this year and was also denied. 

I need help getting this late remark removed off of my report so I can get a small loan or second credit card for any potential emergencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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 information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: AL
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

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 2019-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
{$2900.00} check to XXXX and XXXX XXXX was deposited via ATM at Bank of America on XX/XX/XXXX to business account of XXXX XXXX dba XXXX XXXX and put on hold for ten days. No previous insufficient funds or account problems. The payer was XXXX XXXX who verified that this check cleared on XX/XX/XXXX, subsequently Bank of America held funds that had already cleared for 10 days for no reason, aka outright theft, before funds were finally available on XX/XX/XXXX. Calls to BOA to resolve the hold were of no help. BOA claims that they hold all checks before funds are available, but it is unknown if this is true. I would avoid opening an account with them at all costs.

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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT RPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX PA 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. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 days after the date of receipt.

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 2023-03-25
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
They kept repeating the same paperwork over and over. I repeatedly had to resend my personal information and still to no prevail. I recently filed XXXX  and was making payments of XXXX and now their lawyer steps in and now they wants to increase it to over {$2000.00}. I told the XXXX attorney that I can't afford to pay that amount. Their words were, can you get some family members to help. I feel I am being forced out for the land. They ate fixing to build a grocery store next door and the surveyors marked over the land.

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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX  and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

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 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
continue dispute all credit agencies violated section 605A/605B fcra id fraud ... remove all outdated and fraud accounts " XXXX XXXX XXXX AND XXXX XXXX ... REMOVE FROM ALL 3 CREDIT REPORTS ... .OTHER CASE # 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 2023-11-16
Company: NEW YORK COMMUNITY BANCORP INC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have been trying to get a multi-pronged escrow issue sorted for over two months now. Initially there was an incorrect property tax amount assessed and paid our of escrow - no fault of Flagstar. I had the issue corrected with the assessor, provided all adjusted tax documents and refund to Flagstar the first week of XXXX. While a new escrow analysis was being run, we got a request to provide proof of wind coverage in our homeowners policy. Both myself and our insurance agent provided that proof a total of 3 separate times with confirmation from Flagstar that it was received and satisfied the requirements. Despite this, Flagstar purchased a forced insurance policy XX/XX/2023 in the amount of {$2300.00}. I contacted Flagstar, they acknowledged they had proof and should not have purchased the policy and subsequently initiated a refund. However in that time the new escrow analysis showed an even larger deficit thanks to the unnecessary policy purchased. As a result we had to make a payment {$600.00} higher than our normal monthly payment. Now, a new escrow analysis has been requested, which Flagstar has indicated will not be complete for at least 15 days. Which means we will make yet another overpayment of {$600.00} on our XX/XX/XXXX payment. 

I have sent XXXX separate messages since asking for an expedited process to avoid floating $ XXXX that shouldn't be in Flagstar 's possession had it not been due to their negligence, haven't heard a word back. In addition, in the meantime they have charged {$52.00} due to a " lapse in coverage '' that did not actually occur. Our insurance agent has provided proof of such and we expect a refund, but that does not change the fact that this is yet another insurance/escrow error that required me catching, calling in on, and requesting a resolution. I have a complete lack of faith in their ability to properly service our loan at this point, and have experienced completely unsatisfactory efforts in attempting to resolve the issues that I bring up despite the fact that I have come with all necessary proof/documentation to do so.

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 2022-10-28
Company: EQUIFAX, INC.
State: AL
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Navient Solutions, LLC.
State: KY
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:
Requested payoff amount for loan # 1 of 2 and subsequent adjustment to Auto Pay amount. Payment not allocated entirely to loan # 1 and Auto Pay for both loan payments cancelled resulting in removal of interest rate reduction of .25 %  meaning it will take longer to pay off loan # 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
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 have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX  XXXX  Account XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account XXXX XXXX/XXXX  Account 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 2023-03-23
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems Incorporated is trying to collect a medical debt that I do not owe. I contacted Transworld Systems on XX/XX/XXXX at XXXX XXXX. 
No date of service was provided on the mailed collection letter I received on XX/XX/XXXX but after speaking to a representative, XXXX from Transworld Systems, she told me the date of service was shown as XX/XX/XXXX. I had already spoken with a supervisor named XXXX at the XXXX XXXX billing dept . who said that they do NOT use Transworld Systems Inc for any collection purposes and that she checked by using my social security number and found that I had a XXXX balance and owe them nothing. XXXX, at Transworld Systems, said that a dispute would be filed but refused to give me a transaction number of the dispute. I told her that I was recording the conversation and she became arrogant and hung up the phone. 
Transworld System is listing my supposed debt account as # XXXX and the letter was printed on XX/XX/XXXX in the amount of {$1700.00}. Transworld Systems says that I owe it to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX with a bogus creditor account number of # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I am requesting the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor. The original application for this account with my signature. A copy of the agreement authorizing your company to collected on their behalf of the original creditor. FULL detailed accounting history on the account and the calculations on how they reached the amount owe. Provide verification on any judgments connected to this account. Provide your license to collect in my state and your registered agent name with their address. Please show proof that the Statue of Limitations has not expired in my state for this account. Provide the date of the last payment on this account. I received a Bill statement nothing with my signature proving that the debt belongs to me and I have been a victim of identity thief so I take verification serious

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was scammed out of {$2700.00} by about this moving company I was sent an email told to click on a link and pay that amount as a deposit. Turned out not to be a removal company at all and I never received any service. I reported this to Bank of America but they said since they authorize the transaction they will not refund me. This was a fraudulent scam and I am an elderly female and have been scammed Im on XXXX and can not afford to lose this much money so I need help

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 2023-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
2 Months Ago, I filed a claim to BOA ( Bank of America ) that I did not recognize. The transactions were happening in XXXX California, while I was heading down to Texas ( im including time stamps of me driving down ) of the amount {$4300.00}, was taken out of my account consecutively. Starting on XX/XX/XXXX under the transaction name of BKOFAMERICA ATM # XXXX XXXX WITHDRWL XXXX XXXX XXXX CA '' of the amount starting off with {$300.00} almost everyday was taken out of my bank until XX/XX/XXXX of {$300.00}. Claim # 1 : XXXX Filed onXX/XX/23. They denied me first on XX/XX/2023. They said charges were issued and authorized or gave permission to authorize, when I didnt. The card was sent to my mothers house and I didnt even activate it yet, but someone was withdrawing {$300.00} a day out of my account. They suggested scammers used cybersecurity breaches to get ahold of my account. With it being compromised. 

I just reopened the claim today XX/XX/XXXX, and if they deny again then im going to file a police report suggested by my attorney, and create a letter explaining why Im not happy with the denial. Currently waiting on the re-opening approval. 

An agent under the the consumer information bureau name XXXX XXXX told me the same happened to her for when she was in New York and when the withdraw happened, the bank did not approve her either.

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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief