BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After reviewing XXXX credit bureaus. According to account XXXX XXXX continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit. Accounts display no payment history, nor updated information.

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 2023-01-30
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am currently enrolled at XXXXXXXX XXXX XXXX University as a full time in person student. Navient is refusing to recognize this and are trying to force me to pay while I'm in school while ignoring all the documents I've sent them proving that I'm currently enrolled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Duncan Solutions, lnc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received several written " Demand for Payment '' from XXXX XXXX XXXX beginning XX/XX/XXXX. Re :  Unpaid Toll Invoices from XXXX XXXX  XXXX XXXX. The amounts are always different from $ 250- {$300.00}. I live in another state far from Texas and called to report that this was mailed to the wrong person. I was told the toll balance was a total of {$1100.00}. I was advised to contact the DOT to make sure this vehicle was not registered in my name. The form has a license plate number, the DOT would only tell me the make of the car. I placed a fraud alert with the credit agencies, although I did not notice any suspicious activity. After I received another notice for payment of {$300.00}, I sent a certified letter on XX/XX/XXXX to XXXX XXXX XXXX, to notify them, they are trying to collect from the wrong person, and requesting proof of why they believe I am the person responsible for this debt. I received another notice on XX/XX/XXXX, called to find out if my letter was received and it was, I was told this was under investigation. Today XX/XX/XXXX, I have received yet another notice for {$270.00}, without any explanation. I have a very common name, never drove in Texas, and want these people to stop sending me collection notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX continues to violate my rights by publishing without my written instructions. 
In light of recent investigations brought upon XXXX, I find that my consumer file is being irresponsibly tampered with. over the past year I have made several attempts to remind you of your duty pursuant 15 USC 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy in my report based on federal law. I am making this effort as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must be promptly removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated, also Experian responded to prior complaint that, Upon further research and re-investigation, and in accordance with the FCRA, the inquiries are in the process of being removed or not listed on the Experian credit report, except for one of them. Once the update has taken place an updated copy of the credit report will be forwarded to you for review. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. still on my report are XXXX XXXX, XXXX XXXX  and XXXX XXXX Im wondering why they said they would remove all but 1 and they are still there?

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 2023-01-18
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently filed a dispute against Santander Consumer USA due to my repossession still being on my credit report. They instead closed the account when it should have been removed and when I called XXXX and asked if it were still closed they told me no. They were recently involved in a class action lawsuit due to them being in violation of the XXXX Code which my account was involved in and there was a judgement passed that if there is any derogatory information including late payments and repossessions must be removed from my credit report. So I would like for this account to be removed from my credit report effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/20 BBVA " Compass Bank '' at XXXX XXXX XXXX, XXXX Texas XXXX improperly took possession of what the teller thought was a counterfeit ( XXXX dollar bill ). 

On XX/XX/20 The United States Secret Service was contacted at the XXXX Texas Field Office. The Special Agent indicated that the Serial No. { XXXX } which the bank alleges was fake IS NOT in their system as coming up as fake. 

Moreover, the same bill that Compass Bank at the above location is alleging is fake originated from Compass Bank @ XXXX XXXX XXXX. XXXX Texas XXXX XXXX XXXX XXXX XXXX. 

So if the U.S. Secret Service is in error ( highly doubtful ) and Compass Bank at XXXX XXXX XXXX is correct ... there is still the problem that the bill originated with Compass Bank at XXXX XXXX. 

What I want is the {$100.00} to be returned to rightful owner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My name is XXXX XXXX and my wife submitted a complaint regarding my Walmart Credit card on my behalf because she handles all the bills. I was receiving phone calls from Wal-Mart and let my wife know, but when she contacted them, the automated system advised that there was not a payment due until X/XX/17. A couple more days passed and I was still receiving calls so my wife and I called Wal Mart ( actually XXXX XXXX on b/o Wal Mart ) who advised that we had a past due payment that was due XX/XX/XXXX. Granted they were sending emails to me at an email address that I no longer use, however, I still feel that we acted in good faith by reaching out to Wal Mart. We spoke with XXXX on XX/XX/XXXX who admitted that the automated system was having issues, but that they sent us emails and letters. While I understand this, I still feel like there are so many ways to communicate nowadays, and my preferred method is to make a phone call, not read mail so much seeing I get so much of it and am on the go a lot, and any reasonably prudent person would not think that a reputable multi-billion dollar company such as Wal Mart or XXXX XXXX would not have an automated system that did not function properly. I have attached the automated system recording as proof that it provided inaccurate information to us. They have reported us to the credit bureau which we also plan to dispute as we are in the process of a new home purchase and things like this can potentially impact our credit.

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 monetary relief
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Information belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

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 2020-07-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have noticed false reports on my credit report that I will like removed as soon as possible. I did not authorize or consent to these false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is a continuation of 3 complaints already submitted. I am trying to put all of the pieces together little by little. 

On XX/XX/XXXX we were granted a HELOC on the property at XXXX XXXX XXXX, XXXX XXXX, CO XXXX. The amount of the HELOC was {$46000.00} thru XXXX XXXX XXXX. 

This loan was being handled by HSBC as of XX/XX/XXXX. I paid on this loan, to HSBC, for 4 years and never saw a decrease in the principle amount. The statements I received never addressed the loan rate nor any monies being given credit for. That continued for the four years I paid on it, not knowing what the terms of this loan were. For how many months nor the interest rate, because it was never recorded with XXXX County Clerk and Recorders Office when the Deed of Trust was recorded. Not until I filed my complaint with you did I finally receive this important information. 

The payments I made over 4 years never reflected any decrease in the principle amount. I took it as blind faith that this loan was made with honesty. But this was during the mortgage banking problems that were happening at the time. 

Because of this lack of information, it gave me cause to doubt the legitimacy of this loan causing me to default. I had no idea of the terms of this loan until XX/XX/XXXX with your help. 

HSBC charged off this loan on XX/XX/XXXX and then sold to XXXX/XXXX  on XX/XX/XXXX. For 4 years I never received any correspondence from either cpany until I began receiving statements from XXXX showing a balance due on this loan as being {$46000.00}. Why was I not made aware of this for 4 years and why did it take 4 years before the collections started. 

The balance due was reflected on all statements I received until XX/XX/XXXX when, again with your help, HSBC finally sent the information showing a balance due of {$49000.00}. Had I been aware that some of my payments had been credited to the priciple balance I would not have defaulted at all. The payment history furnished by HSBC shows I was making payments continuously, without cause for default, until I started questioning it's legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Bank account ( within same bank as loan servicer ) used for automatic withdrawal was subject to fraud. This caused an automated stop-check ( bank initiated ) on all outgoing payments, including to the bank itself. After this occurrence, HELOC was withdrawn from an external bank account with no problem. The loan servicer ( Flagstar ) then informed that we could no longer pay by any means but cashiers check for a period of XXXX months, assigned late fees, and reported the account as delinquent to credit bureaus. The bank is now taking XXXX business days to cash said checks and posting payments as late. They refuse any payment. We have a separate account in good standing with the bank which is allowed to be paid in any format and has never seen an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-05-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Chase bank has noticeably started gaming low balances again, like the " old days '' of predatory fee-charging of impoverished customer accounts. 

I had a transaction that was pending as a ~ {$15.00} debit on the XX/XX/XXXX, with {$22.00} available balance remaining. On XX/XX/XXXX, the following day, another {$50.00} debit appeared XXXX a recurring charge for XXXX services, not from Chase ). However, my XX/XX/XXXX charge that first posted as {$15.00} with sufficient coverage of {$22.00} in balance was rolled into XX/XX/XXXX. They escalated priority of the XX/XX/XXXX {$50.00} XXXX service charge, resulting in {$22.00} ( balance ) - {$50.00} = negative value, then applied the {$15.00} charge to duplicate NSF Fees. 

If they would have applied the charges in chronological order based on the amounts and dates first appearing as a debit, I would have only received one NSF charge. 

This is one example of many they have done in recent past, and the pattern is noticeable. I thought this practice was banned with Dodd Frank? It's just petty usury and poor service. If I were to go through the last 6 months history this would NOT be the first time, but frankly I'm too tired and broke to pursue any further than this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My bank shows my credit score has dropped due to missed payments being reported by Experian. I have never missed a payment. I dont understand why Experian is still in business as I have NEVER received an accurate report from them

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 2023-06-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account name : XXXX, XXXX. 
Account number : XXXX Account name : XXXX, XXXX. 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Started a day after my birthday, which was all the more suspicious to begin with, I received a private call ( to the best of my memory ) asking me to verify my social security number, as they had personal information verbatim. Which prompted me to not comply, as I receive automated/spam/impersonation calls claiming that I have outstanding student loans, which are all lies, as I do not have any debt and Ive always paid my bills in a timely manner. Its very difficult differentiating what calls are what, especially when Im called on private numbers. We also live in the 21st century, where virtually everyone is easier to contact via email which is what I told Helvey & Associates and their response was, due to the nature of our business, we dont disclose our identity. If I had known they were a collection agency, I would have done everything in my best interest to comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My online checking account at HSBC USA was fraudulently accessed ( hacked ). After getting access to my US account, the hacker was able to access my linked accounts in XXXX where I was living at the time. They transferred approximately {$30000.00} to the US accounts, and then attempted a transfer to another account. I notified HSBC USA of the fraud, and they were able to reverse the US transfer. However, I was charged about {$500.00} USD in currency exchange fees, which HSBC refused to reverse -- in fact, they didn't seem to even understand foreign exchange. In effect, HSBC USA profited from this criminal activity. It also took several weeks just to get my funds released, leaving me in XXXX with no money available. While I pursued the matter with every HSBC representative I could I reached a dead end and gave up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As a result of the 2017 Equifax Data Breach, Equifx notified me that my personal information may be compromised.

Company response to consumer: Closed with explanation