BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
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:
I had this credit card with HSBC for some time now, which I very rarely use. Last I used this card in XXXX XXXX and charged {$110.00}. They stopped sending me monthly card statements. As I did not receive any statement since XX/XX/XXXX till now, I did not remember the balance amount. They sent me a collection notice in XX/XX/XXXX saying that I owe then {$79.00}. I called their customer service to ask why this is in collection and why I did not receive the statement. They mentioned that there was a returned statement so they stopped sending the statements. I paid the full amount and confirmed the address. They promised that they would start sending the statement. Again I did not get any statement, but received another collection notice, this time indicating that the balance I owe {$77.00}. I paid that on XX/XX/XXXX assuming that now I am paying the full amount. But again on XX/XX/XXXX they sent me another collection notice stating that this time I owe {$77.00}. I called them today and found out the total charge was {$110.00} in XXXX XXXX but as I did not pay I was charged interest and though the statement says I owe only {$77.00} I actually owe {$110.00}. I paid that amount fully today over the phone and asked them to close the account. 

My problem with HSBC is that they were not sending me the monthly statements and kept charging punitive interest. If one  of my mail was returned ( I don't know why that will happen, as I this is my primary residence since XXXX and I get all my mail here ) why did not the back try to send me an email or tried to contact over phone. They have both my phone, and email on their file. Secondly, if they say they could not deliver the statement, how is it that they are able to mail me the collection notice at the same address, which I have received every time. 

With their not sending me the billing statement and keeping me in the dark, I had to pay a total of {$270.00} for a purchase of {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: AZ
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:
My personal information was stolen in XXXX, and since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive been in contact with police relating to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681a : States I have the right to privacy.

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

15 U.S.C 1681e section b : States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681o section a : States any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure.

15 U.S.C 1681i Section a : States that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Netspend Corporation
State: CA
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:
On XX/XX/2018 I received a text message telling me that a purchase was made in the amount of {$220.00} at XXXX XXXX. I called Netspend immediately to report the transaction and to have my card cancelled. On XX/XX/2018 I received a letter from Netspend stating that they did not find that any error had occurred. At that point I called XXXX XXXX to find out who purchased the ticket and where they flew from and to. I found that the ticket was purchased in XXXX, XXXX by a male named XXXX XXXX and that he flew to XXXX. I live in XXXX, XXXX which is near XXXX and have never been to Texas and did not authorize this purchase and have never heard the name XXXX XXXX. I relayed this information to Netspend and was told that they would investigate it further. This was about a month ago. I have called and requested for their Fraud Dept. to call me back and have not received a call back. It seems that they do not have a direct line for you to call for their fraud dept. I made another request today and as of yet have heard nothing.

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 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For the amount of XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX  of {$180.00} Has violated my 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 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 2023-03-14
Company: Experian Information Solutions 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:
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 Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX All of the listed accounts has violated my rights. 

Please also be advised that some of these accounts are listed under my former name XXXX XXXX XXXX and my new legal name is XXXX XXXX. 

They violated the following : 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 non-monetary relief
Consumer complaint received 2016-01-06
Company: 21ST MORTGAGE CORP.
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for refinancing on my mobile home loan through 21st Mortgage. XXXX suspicious things occurred. The first one involves the reason I applied for refinancing. I saw a sign outside another trailer park offering a 4.93 % mortgage rate in big letters with 21st mortgage 's insignia on it and this rate was confirmed by the XXXX XXXX XXXX XXXX XXXX staff. When I applied for refinancing from my 9.9 % mortgage, they told me that the lowest rate for financing for all credit scores was 10.8 %. I asked 21st mortgage company if they knew about the sign and they said that it was false advertising and it did n't exist. I took a picture and sent it to them and received no response. The XXXX XXXX XXXX XXXX XXXX told me that 21st mortgage provided them with the sign to put up. The second suspicious moment occurred when I was denied a refinancing opportunity and I received an email stating that I could restructure my loan if I paid them {$2000.00}. When I asked what was meant by that statement, the agent, XXXX XXXX, refused to elaborate and said he would take care of it. I got denied refinancing and he asked for money. Is n't that fishy? I do n't know what that means. It seems to me that something either I do n't understand is going on or the company is trying to take advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: UMB FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Without any prior notice, XXXX XXXX XXXXUMB Bank ( merger ) canceled our health savings account debit card, and blocked access to our funds through their website. We were unable to pay our XXXX premiums and other health related medical and dental bills. They refused to reply to our concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, 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:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the listed accounts has violated my rights. 

Please also be advised that some of these accounts are listed under my former name XXXX XXXX XXXX and my new legal name is XXXX XXXX. 

They violated the following : 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: Closed with explanation
Consumer complaint received 2021-01-05
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: Account information incorrect

Complaint:
I have had an FHA mortgage with XXXX since XX/XX/XXXX and was forced to put my mortgage in forbearance in XXXX or XX/XX/XXXX due to hardship and XXXX. I am XXXX and am required to XXXX  but have just become XXXX  for XXXX so this makes this all even more difficult to handle. 
I just found out that my TransUnion credit score dropped AGAIN, this time by 16 points because XXXX XXXX XXXX XXXX keeps adding to my balance despite everything I have read to the contrary, including their own statements that as long as you were current when going on forbearance, your credit will not be negatively affected by doing so. BUT, that is not correct and I have had my mortgage balance increase considerably since I started and because of that, my credit has been negatively affected several times over the last year. An increased mortgage balance is a red flag to credit bureaus as is the mortgage being reported as in forbearance or deferment which in turn eliminates your ability to get credit or for a potential creditor to loan money in this time of crisis for a customer or borrower. I can show through credit reports over the last year of the increase to my balance and the decrease in my credit score which is in violation of the CARES AcXXXX. I have tried to resolve this with XXXX in the past and today while attempting to log into my mortgage online through XXXX XXXX 's website, found out that I am LOCKED OUT of my mortgage. I will attach screenshots to verify.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 currently have unauthorized inquiries appearing on my credit reports. 

XXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX  Date of inquiry : XX/XX/XXXX 3.JPMCB XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX 5. XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX  Date of inquiry XX/XX/XXXX 8. XXXX  Date of inquiry XX/XX/XXXX 9. XXXX XXXX  Date of inquiry XX/XX/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 2018-05-24
Company: Early Warning Services, LLC
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:
XXXX XXXX allowed someone to open a account in my name. I was informed by the XXXX XXXX the account is overdrawn in the amount of XXXX I called them and advised that this account doesnt belong to me. I filled out the forms that was provided to me through email from the bank and I still havent heard from the bank .I disputed this account with the early warning service which handle account reported by banks. XXXX only respond they will not changed there information they wouldnt provide any information to show how this account is accurate and that Im responsible for the account. There no XXXX XXXX  in my area. From research this bank is located several states from me. I live in XXXX born and rasie. If Im not mistaken the close branch to my area is XXXX XXXX or XXXX. I like this negative account resolved and moved off my XXXX XXXX report this negative information would keep me from obtaining a checking/saving account in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent XXXX XXXX numerous of letters and evidence to remove the inaccurate late payments off my report and they have ignored all of my attempts and continue to violate the consumer laws of15 U.S. Code 1681n - Civil liability for willful noncompliance and also15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2022-11-07
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This savings account was opened without my knowledge. I call the bank in XXXX of 2022 to have this account closed. I received a letter in XXXX saying this account was overdrawn {$500.00}. This account was to be frozen till they investigated how this account was opened with only {$5.00} in it. This month I received a letter from a collection agency saying this money is owed. I have called several times trying to get this resolved and they keep telling me the Risk Management is still working on this. I don't know what to do at this point, I am being told one thing and other things are happening without my knowledge. I have filed a XXXX on this. Sent a letter from them to collection agency. I need to get this resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Today- XX/XX/2021. Someone hacked my cash app account after my stimulus check was deposited. I received emails telling me my email and phone number had been unlinked from my account. Right after. I received an email telling me my stimulus check had been deposited to my cash app. I have no way of getting into my account. And when I contact cash app support they are telling me they cant help me. I am a single mom of XXXX who does not get child support. I really needed that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
PHH Mortgage, formerly OCWEN, serviced by XXXX has repeatedly charged late fees and " other fees '' and has recently sent a " Notice of Default '' demanding payment of the mortgage payments that were already sent AND they demand the late fees for payments that were sent on time or they threaten to foreclose. I have always sent my payments prior to the 15th of the month, which is the allowed time frame per the mortgage contract. I have always sent my payments via certified mail and have receipts for each month. I will include some of these receipts as attachments. 
The most recent letter dated XX/XX/XXXX  stated that the payment for XXXX hadn't been received. That payment was mailed certified mail on XX/XX/. They are attempting to charge me late fees due to their poor processing times. 
On XX/XX/XXXX  XXXX sent a " Notice of Default '' stating that I had to pay {$2800.00} prior to XX/XX/, which included {$840.00} in late fees. " Failure to cure the default on or before the date specified in the notice will result in acceleration of the sums secured by this Security Instrument and the sale of the property. Upon acceleration, the total obligation will be immediately due and payable without further demand. '' On XX/XX/XXXX  I sent a check via certified mail for the full amount of {$2800.00} to stop their threat of acceleration and foreclosure. 
I have sued OCWEN in a court of law for this exact same predatory lender tactic. I am willing to file suit against them again, but wanted to try this government complaint process first. 
Yesterday, XX/XX/2023, I received a credit score update and was alerted to the fact that PHH had reported two 30 days late reports to the credit reporting companies which has destroyed my credit. PHH Mortgage, formerly known as OCWEN Mortgage and their loan servicing company are predatory lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: EQUIFAX, 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:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$350.00} XXXX XXXX XXXX XXXX : XXXX -- -> : {$400.00}

Company response to consumer: Closed with explanation