BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I made a mobile check deposit to my HSBC checking account. The check deposited was for about {$600.00} and it was a company check issued by XXXX bank. That same evening, I tried to sign into my HSBC mobile app and was unsuccessful due to my account being suspended. After several unsuccessful hours of attempting to reach XXXX, I was finally able to reach someone and was told that my account was blocked due to my mobile check deposit and that Id have to call back the the next day. 

On XX/XX/2023 I called the security department at HSBC as I had been advised. It took me five attempts of calling and being transferred to various departments before I finally reached a bank representative. The representative was less than helpful and told me that I would regain access to my account after they finished their investigation and verified my deposited check which could take 5 business days. 

I then contacted XXXX XXXX, XXXX XXXX Relationship XXXX as well as XXXX XXXX, VP via email and copied XXXX XXXX, XXXX. Hours later, I received the following response from XXXX : Thank you for your email and I understand your frustrations. Unfortunately, I cant remove a block placed by our Security Team and the Security Team will need to complete their investigation. I have logged a complaint on your behalf, XXXX and the XXXX XXXX can be reached at XXXX, Monday to Friday from XXXXXXXX XXXX XXXX to XXXXXXXX XXXX XXXX 

I replied to XXXX and left a third voicemail, asking her to call me. I explained that I certainly can understand HSBC holding the deposited check funds until they successfully verify that it is a good check. However, what is not acceptable is that HSBC has blocked me access to all of my funds including my payroll direct deposit that will be deposited this week. 

Due to the suspension of my account, my family has no access to any of our funds. Im unable to pay my mortgage on time or even buy groceries for my children. I have been a good customer of HSBC and have direct deposits every month that range from $ XXXX $ XXXX. It is appalling that HSBC would block me from accessing any of my money while they investigate a valid XXXX bank check. It is also appalling that HSBCs security team that placed the hold is impossible to reach directly and that Im advised to wait the length of the investigation. This is unethical and not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Sterling Infosystems Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This report shows a record that is false. 
I am not now nor have I ever been a XXXX XXXX. I have never been charged as a XXXX XXXX. And I have never been convicted as a XXXX XXXX. This is false information. 
It shows in bright red a fine of {$440.00}. 
I am not sure what that would be. 
I received a ticket for no insurance when my husband left me. He canceled my insurance, emptied our account, and changed address on these things. So I never got notified that my insurance was canceled. Nor that checks had bounced. I was given a ticket for no insurance and had 10 days to report to the XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was very ill. And wound up hospitalized for over a week. And had XXXX XXXX XXXX XXXX XXXX. After being released from the hospital XXXX XXXX XXXX for not paying the fine. With stitches from XXXX and everything. I bonded out. And went to the court in XXXX, Texas. Where the judge gave me community service to pay the fine. I did the community service at XXXX in XXXX. TEXAS. THIS HAS BEEN TAKEN CARE OF.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On or about XX/XX/XXXX   I, XXXX XXXX had a problem with my car that I informed my bank WELLS FARGO how the merchant did not properly repair my car. 
I, XXXX XXXX SENT WELLS FARGO INFORMATION ON HOW THE MERCHANT XXXX XXXX  DID NOT FIX MY CAR PROPERLY. AND ABOUT VISA POLICY HOW IF A MERCHANT DOES NOT REPAIR THE PROBLEM PROPERLY THAT THE BANK WILL REFUND A PERSON MONEY. WELLS FARGO, STATED THEY WERE RETURNING THE FUNDS THEN TURNED AROUND AND TOOK THE MONEY BACK. 
WELLS FARGO, IS NOT FOLLOWING VISA POLICY CORRECTLY IN ABIDING BY THE POLICIES. WELLS FARGO HAS BEEN DECEITFUL IN THIS MATTER AND XXXX XXXX IS DEMANDING THAT THEY GIVE HER BACK THE MONEY THEY SUPPOSE TO HER ACCOUNT. I AM WAITING TO HEAR FROM WELLS FARGO BEFORE A SMALL CLAIMS COURT LAWSUIT IS FILED IN THE COURTS. WELLS FARGO HAS A BAD HISTORY OF NOT DEALING TRUSTWORTHY OF CUSTOMERS.THIS IS NOT RIGHT. I AM ASKING FOR CFPB TO LOOK INTO THIS MATTER 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 2022-11-19
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
I recently seen an account on my credit report that I was unaware of along some inquiries as well. I've filed a report that I will attach below.

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 2023-07-19
Company: AMERICAN EXPRESS COMPANY
State: NE
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:
American Express sent my card to an old address, therefore it was returned to them. Around the same time, I had changed bank accounts and forgot to switch over funds to the bank account before the payment was pulled. The payment was attempted twice, then returned. I then got a notification that the account was closed. And despite my excellent payment history, and explanation to multiple customer service agents, they still refused to reactivate my account due to my FICO score, which should not have even been pulled again in the first place since I had already been approved, and had the card for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I recently seen an account on my credit report that I was unaware of along some inquiries as well. I've filed a report that I will attach below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Shellpoint Partners, LLC
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: Reporting company used your report improperly

Complaint:
Reported a late payment on XX/XX/2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As of XXXX XXXX my payment has not posted on my account.I am with the HAF program Home Owners Assistance Fund thru the Federal Government.

I checked with my local HAF department in the state of Florida and payment sent out XXXX XXXXI would like for them to find my payment amount and post this before the end of XXXXXXXX XXXX..If not posted by then I am subject to a 30 day late notice on my credit report. This is a federal government program so a 30 day late report to the credit reports should not take place.It seems every month I have to send a report so they can track this payment and get it posted on time.I value my credit report and if they can just be more proactive and get this payment that they know comes every month and get it posted on time by the end of the month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Experian Information Solutions Inc.
State: AR
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:
My sister informed me that I received a letter in the mail at her home address were I have never lived before stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and other accounts that had been opened under my name. These accounts are not mine. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX {$210.00} 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 2022-11-12
Company: Experian Information Solutions Inc.
State: PA
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 Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX IN, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
In accordance with the Fair Credit Reporting act XXXX ACCT, 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 an account without my written instructions. 


XXXX XXXX BANK Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX In accordance with the Fair Credit Reporting act XXXX XXXX BANK ACCT, 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 an account without my written instructions. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX In accordance with the Fair Credit Reporting act XXXXACCT, 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 an account without my written instructions. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX OH, XXXX In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX 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 an 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 explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I contacted TransUnion by telephone & email many times to resolve this problem. In XXXX of 2015, someone stole my credit card information and made fraudulent purchases. They also attempted to open new accounts in my name, but were unable to due to lack of verification by me. Because of this, TransUnion refuses to allow me access to my credit reports, freezes, etc. online FOR LIFE. XXXX XXXX XXXX have no problems with this. I've asked TransUnion to allow me to identify myself in any way to solve this, but the requests go unanswered. Anytime that I have tried to log in to my online account, I get a " this account is locked '' type message.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Well when I first purchased my XXXX XXXX XXXX on XX/XX/XXXX with XXXX miles with a Trade in Allowance of {$9100.00} for my Previous Vehicle XXXX XXXX XXXX XXXX miles and a down payment of {$3200.00}. I were told that I had a 3 year Warranty with my payments at {$450.00} but my payments were {$550.00} Although I said that I would just pay an extra {$100.00} towards Principal and Interest didn't know the {$100.00} I mentioned I would pay extra was already being included. Interest of XXXX % and daily interest of {$7.00}. So with paying {$100.00} more every month of {$650.00} over a year my Principal and Interest started to be applied and my Billing Statements were in the amount of {$350.00} sometimes {$150.00}. In XXXX I remember calling in to make a larger payment of {$1900.00} but were told I could only pay XXXX  months at a time. My monthly payments were lower by then to {$540.00} with an interest of XXXX % and daily interest of {$5.00}.

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 explanation
Consumer complaint received 2018-08-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX payments still have not been reported to the credit bureaus. I have received a copy of my payment history from your company via mail today. I will continue filing complaints until all payments are properly reported to all credit bureaus. You stated starting in XX/XX/2018 all payments would be reported after my forbearance period, refer back to taped phone calls with your company. As of today, they are still not being reported. This issue will not be resolved until my payments are all properly reported with the credit bureaus. Per your representative, XXXX XXXX he suggested I find another bank to refinance my loan, I have yet to do so since XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX stated, " XXXX  XXXX XXXX XXXX needs to report all payments with the credit bureaus. This can easily be resolved by the company submitting a report showing all payments that are missing as now being reported, " XXXX. '' Your company is once again, holding me back from now refinancing and then selling my home. 

When will this end? XXXX?? XXXX? You tell me as XXXX of many consumers I am finding out that have gone through this same issue, USAA XXXX XXXX XXXX not reporting payments with their mortgage loan to the credit bureaus. 

Your representative XXXX XXXX did not return calls nor emails all of the time, especially when he stated he would contact me back. Instead CFPB would send me an alert stating you submitted a response to my complaint. I have contacted your company again this week, this morning to address the missing payments. When is this going to be so easily resolved? This is a XXXX issue, problem that continues ... 

I thought your company XXXX was to help and support all veterans. I have other coworkers that are having the same issue with XXXX not reporting all payments with regards to their mortgage loan. Seems I am not the first. I never had problems with car loans nor bank accounts with XXXX, seems only the mortgage sector of your company has the issues. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX is repeatedly robo calling a number that they were not given and were not authorized to use. I have no idea what they are calling about but my mother in law, whose phone number I dont even have, states that this bill collector calls her everyday several times a day into the night even after they have been told that I do not live there. Apparently this company uses search engines like XXXX to locate relatives. Again, I do not know what debt this company is trying to collect and I do not care, but they will not continue to harass relatives that they have not been authorized to contact without immediate and significant legal consequences!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Around XXXX on XX/XX/XXXX, I received a message via XXXX XXXX regarding the sale of my bed I had in the XXXX XXXX XXXX The buyer went by the name, XXXX and supposedly sent me {$100.00} for the bed. However, I received an email from XXXX stating that my XXXX  account needed to be upgraded to receive the XXXX and I was to send {$400.00} via XXXX and would be refunded a total of {$500.00}. Due to XXXX 's security measures, it didn't send the funds so I sent the funds through PayPal to XXXX XXXX XXXX for a total of {$400.00} after the paypal fee. This amount has since been returned to my bank due to an insufficient balance. I sent this amount around XXXX on XX/XX/XXXX. I would receive XXXX other emails regarding a tax and vat fee for {$500.00} to XXXX XXXX ( sent around XXXX ), and then a certificate fee for {$300.00} to XXXX XXXX XXXX sent around XXXX ). Each email promised I would be refunded the full amount and an additional {$50.00} for the inconvenience. However, the last step was to give them my bank account and login information which I refused to do. 

Each of these transactions was sent via paypal 's friends and family services despite it being a supposed goods and service transaction because that is what I was instructed to do. I have been on the phone with both XXXX  XXXX XXXX and paypal multiple times over the course of several weeks with no solution and no recourse. Paypal won't do anything because of how I sent the funds and even the dispute I filed was denied. My bank won't do anything either because of how the funds were sent and I have been overdrawn close to {$400.00} since the XXXX when the paypal transactions reached my bank. The {$400.00} amount has since been returned or it would be overdrawn over {$700.00}. 

I have been able to put a stop payment for the XXXX  transactions so far to hopefully prevent further attempts. However, I do have a negative amount now of {$400.00} on my PayPal balance because the bank has returned it so it is still affecting me. 

I have told both agencies that this was a scam and despite them being sympathetic to my circumstances nothing has been done. 

The attached screenshots are as follows : the initial email states that XXXX, the assumed name of the person who was supposedly interested in my product, had sent me {$100.00} but my account needed to be upgraded. 
The amount of {$400.00} was to be sent to the 'buyer ' which would be XXXX XXXX XXXX which would be a total of {$400.00} the following emails show the vat and tax fee and email address to send it to as well as the certificate fee and the email address to send it to. 
the last email shows the " last step '' I would need to do to get all the money refunded to my account which included giving my bank account and login information. 

Following the last email, I stopped all contact with the " buyer '' and reported them. I did not give them my bank account information.

Company response to consumer: Closed with explanation