BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a credit card with HSBC Bank a long time ago. As such, I kept receiving promotional emails from them from time to time. One of  the emails stated there was a bonus of {$470.00} for their XXXX XXXX checking account. I was intrigued since I had been looking at banking with a global bank for a while. The offer stated I had to deposit a minimum of {$5000.00} for 3 consecutive months, and the bonus would be deposited after. I started the application process which took them 3 weeks, believe it or not, in this day an age. As soon as my account was opened, I went to my job 's HR and made the necessary changes to have around $ XXXX per month deposited directly to my account. This started in late XXXX. So the bank has seen my deposits in late XXXX, XXXX, XXXX, XXXX, XXXX, and we're in XXXX. The bank keeps giving me runaround and nobody knows anything. Customer service number is an overseas call center, and they state they don't handle promotions. Direct messaging within the app states the same. I actually had to file a complaint againt XXXX and in their written answer, which you have access to ( case number XXXX ), they state the bonus will be automatically deposited in my account by XX/XX/2020. This has not happened. So basically this bank engages in bait and switch tactics. At least I'm glad I realized this early how terrible they are. However, what they are doing is ilegal and must be stopped. I want the Consumer Financial Protection Bureau to publish this so others can be warned. My next action is filing a suit in small claims court in my local courthouse, and I would like to use this complaint as evidence of everything I've been through with this bank, and their refusal to honor their promotions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: TX
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00}.

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 non-monetary relief
Consumer complaint received 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2020-07-20
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Paypal is not safe as it says it should be. I have a transaction amount of {$23.00} dollars and {$20.00} dollars. I try to reach out to them to file for fraud, was unreachable. I had to rely on help center which was a confusing site for me to file for fraud. I wanted my account to be safe and locked. No options were there as well. I want assistance via phone but they can not help at this time thats what they say when u call me. Im afraid of having my account getting hack, getting my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-31
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DPT ED/XXXX, DEPT OF  ED/XXXX, XXXX XXXX XXXX, U S DEPT OF ED/XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX/XXXX  XXXX/XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: ERC
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: Account status incorrect

Complaint:
I called XX/XX/XXXX to inquire about this debt. XXXX XXXX , XXXX informed me that XXXX deleted this debt XX/XX/XXXX. And that it was withdrawn from my credit report XX/XX/XXXX. 

It still shows up on my credit report from the three bureaus. It shows up once from XXXX XXXX , XXXX, again as XXXX, and again as ERC account number XXXX as till owing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
i went to my bank and borrowed money to pay off a credit card from synchrony bank i have two cards through them called on one card because i believe i over paid so they sent me a check back from the other XXXX with the wrong amount XXXX $ wrong amount. this card was paid off and now i still owe, and have not cashed the check they sent me, but they still increased the account to the full amount plus the 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 2019-03-05
Company: SLM CORPORATION
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Servicer continuously calls my grandmother who is not on the loan. She has received 8 calls alone just this morning. I have asked them several times to stop calling her because she is not on the loan. They refuse to stop.

I have notified them several times that they are getting a check for the full pay off amount and should be getting it sometime tomorrow or this week. Theyd said the calls would stop and theyd note the account. Calls have only once increased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: CITIBANK, N.A.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Collection Agency threatening legal action for a credit card debt that I do not owe. Credit Reporting Agencies do not have the credit card number on my credit report. The implied credit card number does not exit and never had the card, the amount being asked for me to pay is {$3500.00} which includes implied balance, interest and penalties. I am a law abiding person and want this to be straightened out. 

I have been getting calls from a person, who claims to be working for a debt collector firm. I explained to him that there is some mistake about this claim, as I never had this Credit Card and proof is that it is not showing up on my Consumer Credit Report either. On the phone the person obtained my address from me and started sending me collection letters with collection notices, stating that there is a judgement against me in regard to the referenced account.

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 2020-02-01
Company: Statebridge Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a down payment assistance loan through Statebridge Company. I have repeatedly attempted to pay my bills and its almost like they wont allow me to. I was not notified of the loan and who to pay until after the first payment was due. Since then, I have not been allowed to pay online and the one time I sent a check ( sent XX/XX/XXXX, deposited ( XX/XX/XXXX! ) before the due date and they held onto it for weeks until it was late. I have repeatedly tried to call to pay and they hang up on me as soon as I get through to someone. That is on the rare occurrences that I can actually get through to them. It takes 45 minutes to an hour to make a phone call to them, only to be hung up on. They suggest I sign up for automatic deduction, but I honestly do not trust this company anymore. 

They will not respond to my emails, or questions, wont answer my phone calls and wont accept my payments. My credit is now destroyed and I am at a loss. 

I just want to get squared up and fix my credit. I feel like it should be possible to make a payment to a company that reports to credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: FL
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:
I submitted a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
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 am upset to know that my information has been compromised and used under false pretenses. I have not authorized any of the false inquiries impacting my credit. I have no knowledge of any of these inquiries and would like them removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today, on XX/XX/2023, at Chase 's branch between XXXX XXXX and XXXX XXXX on XXXX XXXX at XXXX XXXX, NY, Chase has refused to take a deposit of {$30.00} in quarters, which is XXXX quarters. Chase engaged in deliberate wastage of my time and forced labor, by allowing me to line up to make a deposit, demanding I put the coins within flimsy papers, and then complaining about the way they were stacked inside the papers after having to line up again while arguing with me and ultimately refusing the transfer after counting the quarters up to around $ XXXX {$9.00} and then saying " it's short '', and then giving up on the counting altogether. They then dropped some of my quarters and did not put them into a recounting machine after picking them up. Therefore I was forced to count all the quarters again myself to ensure no quarters were stolen or lost by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted select portfolio, explained that a repayment arraignment would not work I needed a modification. I was told additional documents were needed. I received a request in writing of the documents with a date needed by. Prior to this date I receive another repayment plan. When I called and told the customer service agent what happen they said thats all I was getting, I explained all documents that were requested had not been submitted I was told " not neededI already have what they are offering ''. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
State: AZ
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:
Equifax, XXXX  and XXXX continue to report false information in regard to two accounts. They have been placed on notice that these are not my accounts. The lenders in both cases have been unable to provide documentation other than varying claims that the accounts were opened online or opened over the phone No signature cards, electronic or otherwise have ever been provided. 

XXXX XXXX is of course notorious for opening phony accounts and I have never even heard of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I cancelled my auto insurance policy with XXXX XXXX. I understand I owe XXXX the amount of : {$44.00}. On XX/XX/2019, I received a letter from Credit Collection Services stating I owe XXXX {$210.00}. On XX/XX/2019 I called XXXX, spoke to XXXX at XXXX who confirmed that the only outstanding balance with XXXX was : $ XXXX XXXX conducted a search which went back 10 years. I do not appreciate this XXXX XXXX calling me daily, every other hour, and reporting this false information to all 3 major Credit Reporting Agencies. I would like to request an investigation, and to have this removed from all 3 Credit Reporting Agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: PNC Bank N.A.
State: DE
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:
I had someone get into my account and my bank is issuing me a new card just waiting for the new card to come in

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received documents from debt collector named ERC. My original utility service was with XXXX XXXX. I sent the full payment wanting to resolve the full debt. Once I made the full payment and settled the debt I asked them to remove the negative remark off my credit report. The collection remark is still on file in my credit report and it is critically affecting my score. 

Last Reported : XX/XX/XXXX Collecting Agency : ERC Original Creditor : XXXX XXXX Status : Closed Opening date : XX/XX/XXXX Remarks : Paid Collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in direct violation of The Fair Credit Reporting Act XXXX XXXX has violated several of my rights. 

15 USC Section 1681 Section 602 A. Clearly states that I have the right to privacy.

15 USC Section 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC Section 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update thi account immediately as you are in violation of several laws under The Fair Credit Reporting Act.

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 2021-06-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Good evening the reason Im reaching out is because Ive had a account with Chase bank. In my account has been closed or frozen which ever it is but I have no access to it at all. I was approved for the Paycheck protection loan which was deposited into my Chase account however they decided to close the account.Im an independent contractor and no EIN number has been assigned to me I use my Social Security number. I still havent received any information as they tell me the account is closed. The problem that Im having is there is money in that account which I am responsible for paying back. So Im reaching out to see what steps do I need to take in order to be able to get to the money that was in the account at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
{$59000.00} mortgage, payment with no taxes {$440.00}, income {$400.00} average per week after tax, interest % XXXX Wells Fargo Bank

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 2018-05-07
Company: U.S. BANCORP
State: TN
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:
I have lodged disputes with US Bank with the belief they have reported negative items to my credit report not in compliance with current Consumer Protection law.  Specifically, the FCRA and the FDCPA. I requested that they investigate beginning in XX/XX/XXXX by first sending dispute letters to all three credit bureaus.I followed up on this request by sending dispute letters in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, I sent dispute letters directly to US Bank with desire to correct this error. I have continued this process with letters sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Ditech Financial LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
file with the fcra violation ftc violation reporting error defamation of character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: LA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$95.00}

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 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There is one account on my credit report that does not belong to me this is not my account I have not used signed or authorized this account I need this removed from my credit report!!! 

XXXX  - Account # XXXX XXXX XX/XX/2020 XXXX $ {$11000.00}

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