BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2021, I made a credit card payment through my online banking account. I noticed the balance amount was not a good number ; thus, I made an additional payment for a few dollars. The payment was processed immediately. The monthly payment was due the following day XX/XX/2021, which was a Sunday. I sent a message through the online banking system inquiring about the status of the monthly payment, but still have not received a response. Since I live on a fixed income, I could not attempt to make another payment in fear of overdrawing the account. I telephoned the bank on the XXXX, and to my dismay, the monthly payment was not processed and there is no record thereof. So, I made another payment and the fees are as follows : Late Payment Fee {$27.00} Monthly Interest Charge on Cash Advance {$30.00} Monthly Interest Chare on Purchases {$70.00} These Fees Total {$120.00} I telephoned the bank again asking them to waive the fee, and my request was denied since a late fee was waived in XX/XX/2021. 

There is a branch downtown close to where I live so I usually go there to use the atm, and when the atm is not working I go over to XXXX XXXX next door, and I am charged a fee by my bank, Bank of the West, and 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 2021-07-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
URGENT MATTER SEE ENCLOSED HSBC BANK XXXX AND ITS COLLABORATORS FRAUDULENT ACTIONS TO EVICT ME FROM MY HOUSE ON XX/XX/XXXX - WHILE NEW YORK STATE HAS A MORATORIUM FOR XX/XX/XXXX. 

I filed complaints with CFPB multiple times - HSBC Bank XXXX continue to lie and deny the facts. Please see below previous document submitted, and now re-submitted. 
Please see newly submitted documents ATTACHED also whereby HSBC Bank violated multiple FINANCIAL LAWS INCLUDING RICO .... 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - HSBC IS BARRED BY FRAUD - FOR FILING HOME FORECLOSURE ACTION AGAINST ME. Heres foul-proof/consummate proof that HSBC bank XXXX had INTENTIONAL plans to defraud me prior to XX/XX/XXXX. I have doled almost {$400000.00} to HSBC and there is no proof of them PROPERLY ACCREDITING SUCH FUNDS ON MY BEHALF. See HSB via XXXX XXXX XXXX XXXX, fraudulent use of the FBI logo to bully and intimidate me. HSBC intentionally, violated TILA, False Claims Act, Committed Financial Fraud, Mortgage Fraud, and my civil rights as they ignored RICO in the process. The fraudulent loan was obviously table-funded/ Hence, 1 dont know if all the moneys I have paid HSBC so far has been properly credited. Whereby, I have requested original documentation from them on numerous occasion -to no avail and HSBC also ignored Federal laws. HSBC intentionally defrauded me beginning on XX/XX/XXXX, prior to them giving me an assumed loan, interviewers name XXXX XXXX XXXX by assign MERS. Please note that i have additional multiple pieces of evidence to support my claims but i could only upload 4 docs. Ap # : XXXX MERS NUMBER THEY ASSIGNED TO ME FROM XX/XX/XXXX See also HSBC letter dated XX/XX/XXXX from XXXX XXXX XXXX ( Retail team 03, loan processor ), once more with MERS number XXXX See form " Direct Endorsement Approval for a HUD/FHA- Insured Mortgage '' pg. 3 of 4 with an approval date of XX/XX/XXXX with MERS number XXXX and XXXX XXXX XXXX signed off as HSBC Bank mortgage representative underwriter. Also, on the said form see HSBC fraudulent claims as lender in the shaded box to the left, and theres NO LOAN NUMBER FROM HSBC TO LINK THEM WITH THE FICTICIOUS LOAN IS AFFIXED on the form. See " Borrowers Certificate : pg. 4 of 4, dated XX/XX/XXXX and XXXX XXXX XXXX signs as lenders officer, MERS number XXXX is affixed, and Borrowers signature space is BLANK

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested a free credit report from Equifax on XX/XX/2021. This is the first time I have requested a credit report, so I have not previously used my " free '' one. It is now XX/XX/2021 and I still have not received the report or any other contact from the company. My free reports from XXXX  and XXXX, which were requested on the same date, both arrived very quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
LexisNexis has failed to respond within there time frame. 
I sent them certified letters and I have gotten no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XX/XX/2023, Experian decided to call XXXX as part of their bill fixer service. They instead of acting as an authorized representative, decided to try and pose as me. Therefore attempting to steal my identity. I call Experian about this and request a supervisor and am repeatedly not transfered to where I requested an am instead argued with. I demand the name of the person trying to steal my identity so I can file a police report as well as every customer service agent that lied to me reprimanded for that.

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 2023-06-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a FTC report that has all of the inquiries listed. On Equifax there are over 76 inquiries that do not belong to me. On XXXX there are over 49

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: TX
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: FL
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:
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: VA
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 reported accounts on my report that were fraudulent. XXXX, Equifax and XXXX failed to removed accounts after being provided proof that the accounts did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: MI
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:
I did not give consent to furnish my personal information regarding my open end credit plan. Ive been violated and harassed about information I deem private XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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: Investigation took more than 30 days

Complaint:
In XX/XX/2021 I had XXXX XXXXXXXX and missed a payment, I was never notified that I was late, or behind and no obvious information was available to let me know of a problem.FIVE months later, a rep from XXXX XXXX XXXX contacted me about a problem with my account and wanted me to verify info because I do not verify incoming call information. I logged into my account, saw a problem, fixed the payment issues, and assumed all was well. Now XXXX is reporting me late four months in a row despite me giving them money every month. Their lack of notification on this matter corallites very conveniently to when I need to refinance this loan. They have knocked my credit score down almost 150 points and will be expecting me to refinance my loan with a sub XXXX XXXX XXXX which GREATLY benefits their bottom line. 

My stance is here IF I had been notified on any level other than XXXX email per month, I would have taken care of this immediately. They are taking advantage of the situation, keeping me from a home purchase and ruining my credit score. I have had one late payment in the last eight years ( an oversight at {$32.00} due to switching primary banks ). With these egregious reports, my financial freedom is in jeopardy because they did not notify me about a matter as grave as my credit score. And their " courtesy notifications '' seem to be entirely arbitrary as to when they will let their customers know there is a problem with their account standing. 

I sent them a dispute letter on XX/XX/XXXX and didn't receive a reply until 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 non-monetary relief
Consumer complaint received 2022-12-08
Company: Payward Ventures Inc. dba Kraken
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/2022, I transferred {$25000.00} to my Kraken Account via USD Wire through my financial institution, XXXX XXXX Bank. The wire instructions, provided when I entered the dollar amount I wanted to transfer to my Kraken account, was the wire needed to be initiated to XXXX Bank, to Payward Ventures , Inc. Also, the information stated that I needed to include a 'reference required ' which stated the code identified my deposit within my Kraken account. I signed off on the wire instructions that I provided to my bank and it included the code associated with my Kraken account. This information was included in the Beneficiary Reference ( XXXX characters ), with the spill over to the Originator to Beneficiary field ( XXXX characters ). When the wire did not post, I contacted Kraken and the email correspondence provided stated the " Public Account ID '' ( first time this terminology was used ), needed to be included in the Originator To Beneficiary field. This was the first time this information was stated. I initiated a wire on XX/XX/2022 for {$5400.00} to Kraken, I made use of the Beneficiary Reference ( XXXX characters ) with spillover to the Originator to Beneficiary field ( XXXX characters ) and the wire posted with no issues. I feel Kraken has unfair, deceptive practices for processing wires based on the instructions provided for initiating USD wires to consumer accounts on Kraken. Kraken has stated that this could take up-to XXXX days to resolve. I have tried to work with Kraken, their receiving bank MVB, and no one has been able to resolve the issue. I have asked to speak with management, the only solution they have provided is that they can send an email to their internal business units. This issue, if not resolved by Saturday, XX/XX/XXXX, will cause our business to miss out on a {$500000.00} business opportunity. I have been waiting over XXXX, on XX/XX/2022, for Kraken to XXXX. No resolution. I've asked for the money to be posted to my account ASAP or to be returned. Neither has happened and I've been told, this can take several days to resolve. I'm in the banking industry. It does not take several days to resolve an unpostable USD wire. If a wire is not able to be posted, it should be returned to the originating bank immediately. Kraken practices need to be investigated and fined for the deceptive practices on Consumers. 
I have a confirmed with XXXX Bank that my wire transfer has been posted into Payward Ventures, Inc. account. The XXXX confirmation number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
The follwoing acounts are listed on my credit report as inquiries and I have no idea why or how they got access to my information. Please advise the credit bureau to DELETE. I have tried to call them and email them and they said I have to contact you all. These are fraudlent inquries and they are affecting my score : 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

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 2022-05-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX XXXX XXXX XXXX XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Byrider Franchising, LLC
State: MI
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:
Between XX/XX/2023 and XX/XX/2023, CNAC charged off my loan as bad credit and then also proceeded to add an ADDITIONAL hard pull on my credit report WITHOUT my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Upgrade, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2021, I submitted the final payment to the Upgrade Loan Company to payoff an installment loan. The payment was for {$460.00} for the outstanding balance. The original loan for {$2500.00} was paid in full. 

On XX/XX/2021, Upgrade charged my checking account an additional {$100.00} for the loan. Upon making contact with Upgrade 's customer service center, I was advised that they had no record of the deduction and that I should contact my bank for verification. They were advised that the deduction was made by Upgrade and documented in my account. Upgrade requested that I provide them with a copy of my checking account statement showing the aforementioned deduction.

It should be noted that there are no options to provide such documentation of the Upgrade website. 

I have requested the return of the excess {$100.00} to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
over a week ago I tried to Cash out money to my bank account. Cash App said it takes 5 business days. After the fifth business days I asked if they can retract my money and out the money back in my Cash App. They said that takes 3 business days and it's been longer than that. The money still isn't in my account. The process shouldn't take that long and the money should be back ony Cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: NY
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:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts still on my credit report that were not open by me after this compliant was filed. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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

Accounts to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Hello I a got accepted for a loan through XXXX XXXX XXXX XXXXXXXX back in XXXX of XXXX. Since then I have never received anything in the mail regarding statements, due dates, late fees, loan agreements, etc. Unbeknownst to me it was reporting late from XX/XX/XXXX to XX/XX/XXXX. This is unacceptable as I was never informed I had a payment due and never received anything in the mail!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
The reason for this letter is to dispute an unauthorized inquiry on my credit report. On XX/XX/22 I retrieved a copy of my credit report and discovered an inquiry from capital one that I have no knowledge of. 
I did not apply for credit with capital one on XX/XX/22 I have also reached out asking that they remove the inquiry from my credit profile. 

I'm requesting inquiry be removed immediately from my XXXX consumer report

Company response to consumer: Closed with non-monetary relief