BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have rec 'd several calls from a company and they have contacted former family members to locate me. They told that member that I owed money to them. The company said that they are XXXX and they claim that the debt is from HSBC for a {$500.00} credit card that was never paid. When I refused to give them my social, they became belligerent and said they would take me to court. I told them that I pay my debts and if it truly is my debt I will pay but I must see proof, asked them to mail via the XXXX Mail. I have not rec 'd anything but they have called several times since. On XX/XX/2021, XXXX rec 'd a text referring to phone # XXXX, XXXX # XXXX. I called the number and spoke with XXXX XXXX. She repeated my birthdate and my social. She then told me they were suing me and I would be responsible for cost of over $ XXXX. When I repeated that I wanted proof she said they had mailed proof and then she said 'Good Luck in Court ' and hung up. I do not have a credit card with HSBC. I checked my credit report and there is no indication that I have had or have a retail card listed with HSBC. My credit is in good standing and I pay my bills. I have no reason to believe this is my debt other than the phone call. 

There are so many scams out there that I don't know if this is a scam or not. If I owe the debt, I have no problem paying but I am not going to pay without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: NC
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 am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX MOT Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, CPS Date of Inquiry XX/XX/2022XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2022 & XXXX XXXX Date of Inquiry XX/XX/2022

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 2018-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was hacked 6 times in 2 years. I filed a complaint ( # XXXX ) about my bank for numerous charges, but one in particular that I never got back was for {$20.00}. The bank claims " On XX/XX/2018, the claim was reconsidered and a Miscellaneous Credit in the amount of {$20.00} posted to the account. '' But the day they added the credit, they also reversed it. I'm attaching a screenshot from my computer. It shows every transaction in the amount of {$20.00} ever added to my account. 
" Temporary Credit Reversal on XX/XX/18 Card # XXXX Claim # XXXX '' So the same day they gave me my money back, they also took it away. They owe me {$20.00}.

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 monetary relief
Consumer complaint received 2022-09-22
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: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2020-01-24
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I got a 2nd credit card from Home Depot as the pushed it in the store. Citbank issues the Home Depot cards. I called to make a payment on the card and was told there was a XXXX balance on the card. 

I make numerous purchases at home depot as a contractor. Anyway I finally did find out there had been a purchse of around {$57.00} on the card which I paid if full. However Citibank had added late charges and continued to add late charges each month in spite of the fact their customer service representative had stated there was a XXXX balance. Citibank today tried to bill me {$150.00} - all late fees. Their customer service representatives are not able to do much about it because of Citibank policies even though most of them said they would eliminate if they could. They have also done what they can to hurt my credit over this matter that was caused by their customer service not seeing a balance. 

Citibank management must be a very obnoxious rude group. I will stop using their card and suggest others do as well. Card ends in XXXX and was closed today. The card number on the attached is the still open card and not the one with the late charges. I never saw the card that has the late charges but was told by Citibank customer service it ends in XXXX. They were not allowed to say the whole number.

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 2023-10-13
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 status incorrect

Complaint:
In XXXX I purchased a home and entered into a XXXX XXXX XXXXXXXX Mortgage with my then husband for a 30 year fixed loan. We divorced in XXXX and I quitclaim the property title over to my ex spouse in return for cash, however he never removed my name from loan. 

XXXX XXXX XXXX and my ex-spouse modified the mortgage without my consent in XXXX, extending the term, changing the interest rate and payment which negatively impacted my credit score. This in turn increased my costs to borrow money and being denied credit. 

First, XXXX XXXX XXXX has fraudulently kept my name on a modified mortgage document I never signed. Secondly, the original 30 year fixed mortgage term has reached its Maturity Date, ending any contractual agreement between myself and the bank. 

After numerous phone calls to XXXX XXXX XXXX, they have provided no relief.

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 2019-12-16
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I started a $XXXX dispute with American Express back in XX/XX/, reference number(oanXXXX). The dispute was about a painting job done at my house from XXXX XXXX. The reason I tried to dispute part of the payment was that XXXX XXXX didn’t do a good job, and they ignored my texts, calls, and emails when I requested them to come and fix their mistakes. I tried to dispute with AMEX, but the dispute was rejected 3 times for different reasons!!! I’ve provided AMEX all the documents they needed, but they kept rejecting my dispute without trying to understand that I have received bad service.On XX/XX/, when the dispute was still under investigation, I called AMEX because I realized that the disputed $XXXX was not taking off from my statement balance. I was told by AMEX rep that the dispute was still under investigation, but I only need to pay the remaining amount by taking the $XXXX   off. I was unsure about it, but the rep said that it would be fine and gave me a reference number(XXXX) about this conversation. I did what they told me, scheduled the remaining statement amount to be paid by the due date. However, onXX/XX/XXXX, the next day after I called, AMEX rejected the dispute. This caused me had to pay the interests on the $XXXX I was trying to dispute with AMEX.I am filing a complaint about American Express because this company has been falsely claiming on its website that they ‘promise to understand, respect and back our customers’. Based on my experience with this company, it is actually trying to trick its customers by rejecting their dispute, and then charge interest on the disputed amount. As a loyal customer with AMEX since XX/XX/XXXX, I have been very disappointed with this company, especially when they are making promises they can not keep and trick the customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-16
Company: FREEDOM FINANCIAL NETWORK
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Due to several unforeseen circumstances I signed up with Freedom Debt Relief to consolidate my debt in XX/XX/XXXX.Unfortunately, what I was promised by Freedom Debt Relief was not fulfilled. I sent out written notifications & called my creditors promptly as required/requested by Freedom Debt Relief. I deposited funds into my account with FDR per our contract.I am still feeling the effects of my bad decision.FDR did not contact any of my creditors as promised regarding my consolidation program & my credit score dropped 100 points!I cancelled services with Freedom Debt Relief requested for my funds to be released immediately, since they did not fulfill their promise. Finally, after a week of back & forth, the funds were released. If you need assistance with Debt Relief this company is not the one for you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: General Motors Financial Company, 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: Credit inquiries on your report that you don't recognize

Complaint:
I seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, i applied for loan online. I later found out that the company wasnt real and they had made Fraudulent claims with the bank. The bank applied a XXXX credit to the account & the fake loan company took XXXX. I reported this to the bank on XX/XX/XXXX. Ive been calling since then to get a update on my account and everytime i call they say i have to wait 10 business days. I cant use my debit card, make deposit or withdraw from the account. The bank security department has the the account frozen. They never want to update me with whats going on. When i ask to speak with the department whos handling my case they never put me on the phone with them. They tell me wait 10 business days. Its my account and i should have the right to stay updated on whats going on seeing as tho this is where all my funds go.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: NM
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:
Experian, XXXX and XXXX XXXX are not responding to any of my requests to investigate and verify accounts in my consumer credit reports that do not belong to me.

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 2019-12-16
Company: Experian Information Solutions Inc.
State: MO
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:
This company for XXXX put a credit card on my credit I advised them this was fraudulent I also filed a police report being a victim of identity theft the lady from investigation said she as going to investigate so she contacted the officer he explained to her that I filed identity theft and if anything was to come up the report would be valid as everything wouldnt show up on my credit if someone stole my identity at one time she goes to tell me to call him and update I finally got a hold of him to update then she says well were going to mark it as valid since you said you knew about the account for a year I never told this lady I knew about this account for a year I told her I had no knowledge until it showed on my report and she called me about it and I told her to play a recording of me saying I knew about it and she refused she just wanted to close her investigation and place it on me is against law for me to have to pay for a credit card that I did not open and is fraudulent and I have filed a police report last year in XXXX being a victim and this account she stated was open in XXXX this is a fraudulent account and I would like for this to be removed ASAP as it is against my rights for XXXX for a XXXX card that is jot mine the lady was just mad because I told her Im not paying for anything that is not my debt and she said well you told us you knew I said lady when if I told her that why would she contact the officer and wait for me to add it to the report because they are lying trying to get money out of me for an account that is not mine

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 2023-08-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Dear Experian I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2016-09-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a no-fee checking account in XXXX 2013 for {$50.00} with Wells Fargo. I received a letter and statement in the mail my account was closed for lack of activity. I called requesting a refund of the {$50.00} and was told it would be mailed. Three to four weeks later I made a follow up call that I did not receive the refund. I was then told I had no refund because the money was used paying service charges. After complaining again, I was told since the prior person I spoke with stated I would get the refund, they would follow up. As of this writing, I still have not received the refund or any follow up. They stated because I was notified in previous statements it was my responsibility to have seen the notice and responded. I explained I was told no service charges and had no charges until recently and did not know my account was closed without my acknowledgement only after I went to a XXXX balance. I 've seen so much about Wells Fargo in the news between the bad student loans and opening false accounts for their customers and receiving the huge fines, I 'm feeling like I have been taken advantage of and should expect a full refund of {$50.00} Thank you,

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 2023-08-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit bureaus are reporting an account that does not belong to me on my credit report as charged off and the account ( XXXX ) has never reported on my credit report and therefore has never reported as late.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This XXXX XXXX XXXX will not stay off my report. It has been deleted twice & it still report erroneous information on my report. Please mailing me or having any correspondence. It's becoming a harassment. 

This account was opened XX/XX/23 but, its accurately reporting 120 days past due. We're currently in month of XXXX. From XXXX to XXXX is over 200 days. This account has been removed for inaccuracy & blocked for fraud numerous times.

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 2015-04-15
Company: NAVY FEDERAL CREDIT UNION
State: UT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
A financial institution which requires military affiliation to join was notified of fraudulent misrepresentation regarding a member who has never had a military affiliation and became a member by opening an account while living in another state due to the state presently living in affords no opportunity for the person to obtain any type of checking account. It is apparent that this financial institution does not properly conduct its due diligence for verification purposes to allow a person who has already been convicted of illegal account activity by kiting over several years time. 
The securities department was contacted after numerous discussions with law enforcement, district attorneys and investigators and following their advice contacted victims of fraud which include this financial institution. Realizing this is the internet era where much is done online absent walking into a financial institution and giving the drivers license to a banker to open an account only to find out dozens of banks had reported NSF, Kiting, overdrafts, etc. Treated badly by a securities young lady at this financial institution who had no care whatsover that fraud exists. 
As a military dependent most of my early years and later on as a military dependent of a spouse, I find the conduct by this institution 's security/fraud division so egregious that it shocks the conscience.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation