BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My HSBC account manager Mr. XXXX XXXX and I had emailed several times since XX/XX/2020 to discuss about my account closure. I also contacted HSBC customer service to ask about my account closure because Mr. XXXX kept telling me that it would take several months to close my accounts even though my accounts balance was XXXX already. HSBC customer service agent also deceived that my HSBC IRA account left open because I would receive the dividends in future. 
I submitted my complaint to XXXX  to sue HSBC on my account closure and over charging me for the closure on XX/XX/2020. 
Mr. XXXX XXXX called me at the middle of XX/XX/2020. Mr. XXXX told me that HSBC only gave me {$50.00} ( annual maintenance fees ) back, but HSBC would not give my {$140.00}, {$98.00} ( termination fees ), and two {$95.00} transfer fees back. Mr. XXXX also told me that my both HSBC accounts were closed. 
I received a letter from HSBC Vice President and Compliance Officer, XXXX XXXX, responding my complaint on XX/XX/2020. The letter also confirmed that both my HSBC accounts were closed. 
Therefore, by the middle of XX/XX/2020, I thought my complaint to HSBC was closed even though I felt unfair that HSBC had charged me so many fees for my account closure. 
On XX/XX/2020, I received HSBC statement of XX/XX/2020 for my account again. I was shocked. I sent an email to Mr. XXXX immediately asking him why my HSBC account still was open. Mr. XXXX responded me that my account had been pending for closure and I received {$3.00} refund from HSBC. 

HSBC is not honest to me. It has been playing the games on my account closure. 

On XX/XX/2020, I submitted my reopen request to XXXX  online. On XX/XX/2020, I received a letter from HSBC wealth sales manager XXXX XXXX wrote on XX/XX/2020 to respond my reopen request. 
This letter obviously was written before my complaint reopening request. It reflected how HSBC handle my account closure from top management to branch account management. 

I have not received any other responses from HSBC responding to my complaint reopening request so far. 

I require that HSBC closes my account immediately. I also require that HSBC refunds me {$140.00} and {$98.00} ( closure fees ) back. 

I attached the copies of emails and documents from HSBC regarding my account closure. 


The attached was the letter HSBC written on XX/XX/2020 and sent me on XX/XX/2020. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted CFPB in XX/XX/XXXX to report a problem with an escrow account that my mortgage lender created in error last year. The complaint number is # XXXX. 

That complaint was resolved by XX/XX/XXXX, when my mortgage lender closed the escrow account and reversed the payments that it had improperly debited from my mortgage payments to credit to the invalid escrow account. 

I recently received my form 1098 Mortgage Interest Statement for the XXXX tax year from my mortgage lender. On previous statements from previous tax years, Box 10 has been empty. On the statement for the XXXX tax year, Box 10 contains an amount -- {$810.00}. This amount is the same figure that factored into the escrow error that my lender made last year. 

I contacted my lender twice today ( XX/XX/XXXX ) and spoke to two separate customer service representatives to discuss the amount listed in Box 10 of the document, and to request a corrected XXXX Mortgage Interest Statement if the {$810.00} negatively impacts my tax filing. Neither representative seemed to fully understand the potential problems that this {$810.00} figure can cause and both stated that issuance of a corrected 1098 Mortgage Statements is not possible. Yet, the document itself clearly contains a box that the lender is required to check if a corrected document is issued and there is also verbiage on the back of the document informing the mortgagee how to proceed in the event that an error is identified. Neither representative knew how to assist me. 

My tax preparer stated that the {$810.00} figure that currently appears in Box 10 will reduce any tax refund that I may receive unless the XXXX statement is corrected. She also stated that this information on the form has been reported to IRS, so it must be corrected by the lender if it is incorrect. The escrow account was created by the lender in error, so the lender is obligated to correct its error, so that I am not further impacted or penalized by IRS.

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 2021-05-20
Company: EQUIFAX, INC.
State: NY
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$4000.00}, {$23000.00}, {$28000.00}, {$2200.00}, {$4700.00}, {$2600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. AXXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$1000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had initially called Citibank on XX/XX/XXXX to obtain my account number and routing number in order to make my car payment through a different bank. After the representative gave me the information, I called the other bank to make my payment. Thirty days later, I received a notice that my payment did not go through, so I called the other bank again to make the payment for the past two months ( the current month and the one from the previous month ). Thirty days later, I received an email from the credit union that my credit score had dropped XXXX points. I immediately called the other bank, and they told me that the account or routing number I have previously provided was incorrect, and that in order to repair my credit, Id need to send a letter from Citibank, stating that I was provided with incorrect information. I called Citibank, and they provided me with the correct number, so I knew the representative who I previously spoke to gave me the wrong account number. I spoke to supervisor, XXXX, and was on the line for 45 minutes. She got all of the information she needed from me, and told me that it was approved for the letter to be overnighted to me, and Id be receiving it the next day. The letter never arrived. I called back and spoke to another supervisor, and he told me that I was provided with misinformation, and the letter was rejected by another department and to try calling my local branch to have it sent. I called my local branch and the branch manager said that since the issue was through customer service, it had to be done through them. The supervisor at Citibank was passing the baton. I have called Citibank at least five times after that, and was told that a manager would follow up with me, but I never received any update. I was told they needed to review calls, but nothing was done. The final time I called, I was told to wait until today ( XX/XX/XXXX ), and theyd have an update for me. I called for the last time, and apparently, there were no notes on my account from any of my previous calls. Citibank supervisors are no doing as they say they are, as so many promises were made, but none of those promises were kept. They are liars, and need to be reported. It is a shame that they treat long time clients this way. Because of them, my credit is ruined, and they did absolutely nothing to help.

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 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Date : XX/XX/2021 XXXX : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, you have failed to verify that this is indeed my debt. 

I enclosed copies of my requests asking them to validate the debt. I was given no evidence of my obligation to pay this debt to this collection agency. This debt is not mine. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter. 

Sincerely,

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 2020-12-04
Company: CITIBANK, N.A.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I received notification from the IRS on XX/XX/XXXX regarding tax year XXXX stating Citibank reported a cancellation of debt ( Form 1099-C ) on XX/XX/XXXX in the amount of {$4800.00}. 

I did not receive a Form 1099-C from Citibank notifying of debt cancellation. 

I contacted Citibank regarding this debt and was informed the debt was sold to XXXX XXXX. 

I contacted XXXX XXXX  and according to XXXX XXXX  and documentation received, this loan was paid in full, not cancelled as reported by Citibank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I got charged on interest on XXXX $ Instead of XXXX what I actually owed on my card.My payment saver amount was XXXX In that month.I sent XXXX to them before the due date and I sent XXXX a day later after the due date.They claimed that I owed them interest on XXXX in that month.This company lost my XXXX in this month on my checking account and now they try to rip me off again.This is a Capital One credit card.The rest of the amount what I owe has a special 0 % until XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16
Company: Exeter Finance Corp.
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:
In accordance with the Fair Reporting Act, this creditor ( Exeter Finance Acct # XXXX ) has violated my rights under 15 USC 1681 Section 602. I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: CBC Companies, 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: Information belongs to someone else

Complaint:
These account are fraudulent inquiries XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Yamaha Motor Finance Corporation USA
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
Paid off loan on XXXX  XXXX XXXX year ago, XX/XX/2020, and have still not received the electronic payoff, and my title under Florida Law within 10-days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Good day, After recently pulling my credit I noticed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Listed as an address on my credit report, this address is fraudulent and inaccurate I have never lived at this address. I am requesting this address be removed immediately.

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 2020-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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've seen no changes for the accounts that I have filed last month, I still see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$17.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$2500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$2500.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Experian Information Solutions Inc.
State: NC
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:
I found three ( 3 ) unauthorized hard inquiries on my XXXX   credit report. Called them direct and their representative asked numerous questions concerning my identity. After about 30 minutes, she wanted to know my problem, Told her I wanted these inquiries taken off my report because I never authorized these companies to check my credit. She told me she couldn't help me on the phone and didn't give me a reason why! Told me to call the companies direct. To sum it up, " can't dispute hard inquiries '' Found three ( 3 ) different unauthorized hard inquiries on my Experian credit report also. I called, and they gave me the same run around. I'm to the point afraid to call XXXX, where I don't know want I'll encounter!

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 2019-03-05
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Barclay Savings account, ending in XXXX, in response to a offer for XXXX card members for XXXX bonus points, it has been more than 60 days since meeting the $ XXXX balance requirements and 8 weeks since the promo ended on XX/XX/XXXX - I have still not received my points. I have contacted Barclays via secure email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - each time promised points would be added to account, they have not been.

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 2023-05-17
Company: EQUIFAX, 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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-05
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian Boost allows select individuals to boost their credit score with Experian for a fee. Not only must you sign up with Experian for the boost but you must continue to support them financially to keep your boosted score. 

Now this goes against everything about fair credit reporting. There are a lot of people that don't have easy access to the internet, credit cards to pay for Experian 's service, or knowledge this is possible. And then there's me. Trying to improve my score when I'm about to get kicked out of my apartment at the end of the year so I'm trying to fix my score as fast as possible, but of course the Department of Education and Experian want to make sure this is as difficult as possible. 
( These predatory loans not only financially ruin you but they will not honor their word once you pay them. They will in fact report you multiple times if they can for the same debt. ) I have tried many many times to connect my bank accounts with Experian but I get an error when I try to connect my XXXX account even if I use my cell phone for 2FA verification that is valid and confirmed working correctly. 
I do not understand how only a select few can gain the benefits of this boost while so many aren't able to get the benefits? This is absolutely unfair. I will have to pay more for rates, possibly be declined when trying to obtain credit, which would make me have to apply again, and that would lower my credit even more. This is insane how this is legal. It will take me years and years at this rate to fix my score. The Department of Education is ruining the lives of so many young Americans and the credit bureaus are helping.

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 2023-02-11
Company: Experian Information Solutions Inc.
State: NV
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:
Based on new regulations for medical bills under {$500.00}, I have one company in particular which even after dispute credit reporting still continues on several medical bills below {$500.00}. The credit XXXX XXXX Experian, XXXX XXXX and XXXX are not removing them. 

Plusfour inc. Is the company that Ive seen that has not removed the credit reporting for medical bills under {$500.00}

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