BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, well over 60 days later I have not received a response. I feel like they are taking advantage of my by ignoring my disputes. I'm aware that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It is been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person. I have also attached a photo of my government ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
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:
I have been a victim of identity theft

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 2019-06-10
Company: CITIBANK, N.A.
State: UT
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:
A month ago, I noticed my amount owed for a credit card for Citi Mastercard went from about $ XXXX/month to {$1300.00}. It was debited out of my account and could not be reversed. They said it was because I went over. However, I NEVER opted it to allow charges to be allowed through if over limit. I reiterated to them at that time I want ALL charges declined if I go over the limit. 

Now, this week, I get a notice that I owe {$800.00}. I have called them several times on this. My only option is to simply put the card in a drawer and just wait to pay off the balance. 

My frustration is that they are not allowing me my legal right for transactions over limit to be declined. When I talk to them, they apologize, and it's supposed to be fixed. But again, it never is. 

If they are doing this to me? Who else are they doing this too. 

Credit Card Details : Citi XXXX XXXX AAdvantage Platinum Select

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 2018-09-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This complaint concerns HSBC.

A promotional offer by HSBC was made inXX/XX/2018, Open an HSBC Premier Checking account and deposit {$100000.00}, within a 30 day period of opening the account and leave the {$100000.00}, in that account for a period of 90 days and then HSBC would pay a {$750.00}, bonus within a 8 week period. 

I opened a Premier Checking Account on XX/XX/2018, with a small deposit of {$10.00}, on XX/XX/2018, I deposited an additional {$100000.00}, in this account and the amount of {$100000.00}, plus a small amount of interest remained in this account until XX/XX/2018, when I withdrew {$100000.00}, well beyond the required 90 day period to qualify to receive the {$750.00} bonus, as of today, that is well beyond the 8 week period of time that HSBC said that the {$750.00}, bonus would be paid to me, I have not received the {$750.00}, bonus and I have invested more than 8 hours of my time on the HSBC chat room, emailing to my HSBC personal banker, and telephone conversations trying to resolve this matter, all I have been offered by HSBC is excuses and emails that said I did qualify for the {$750.00} bonus but they have only offered the excuses of it's a computer systems problem, to they don't know why and that the {$750.00} bonus would be deposited in my account no later than XX/XX/2018, as I said I have not received the {$750.00} bonus as of today, I have all of the direct emails, and the emails from the HSBC chat room are in my posession, the recorded telephone conversations with HSBC are stored on the HSBC recorded telephone conversation system database, I am willing to give these to any person that is qualified and authorised to see or hear them, and I have all of the names of all of the HSBC employees that I have been in communication with in an attempt to resolve this matter, I was contacted 12 days ago by a senior HSBC employee, XXXX XXXX, by email and she offered to discuss the situation with me if I desired that, I have contacted her numerous times by telephone and email and left voicemails and emails to talk to her but she has never contacted me back at all, other than the 1 email she sent to me 12 days ago, I went through a lot of aggravation and effort to scrape together the {$100000.00} so that I would be able to obtain the {$750.00} bonus offer and the people I received this money from have lost faith in me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I had a HELOC equity line account with XXXX XXXX  XXXX, opened in XXXX. The loan was sold to XXXX XXXX with the servicing company SELENE FINANCE. I have been current on payments all the way through XXXX, at which time SELENE offered to allow deferment due to hurricane Irma and damages, loss of income I received. The payments were always around {$250.00} for the Equity LIne. I signed a deferment with Selene and the payments went to {$580.00} during the deferment period. After the deferment ended in XX/XX/XXXX I was expecting the payments to go back down. Instead Selene insists that my payments are now {$1200.00} a month. Stating that the loan was past due and reported my loan 120+ late. I have tried to work with Selene who offered me a modification. I am now receiving certified letters stating INTENT TO ACCELERATE on my loan. I do not want to lose my home. This is my primary residence. IF they take my house, my daughters and I will be XXXX.Selene Finance sent me a letter dated XX/XX/XXXX stating if I do not pay {$13000.00} by XX/XX/XXXX they will begin foreclosure proceedings.

Letter is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX XXXX is reporting account # XXXX date opened XX/XX/2012 as late  payments, but has failed to accurately report those late payments. I told Transunion that the account is in accurate and does not list a date of removal. Transunion stated it was because XXXX XXXX XXXX has never reported the actual date the account was late. XXXX has sent me a letter about the late payments and it does not match what is reporting on my Transunion credit report. Transunion fails to remove it for violation of accurate reporting. I would also like XXXX to remove this account as well because the same is happening with them too.

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 2018-09-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint against Rushmore Loan Management Services for  unauthorized increase to my fixed mortgage payment apparently for lack of required insurance. My property is a condo, and the XXXX XXXX insurance policy includes flood and liability insurance. I have repeatedly sent this proof of insurance to Rushmore. However, in XX/XX/2018, Rushmore increased my fixed mortgage payment by approximately {$79.00} without explanation or any notice. I have tried to understand why in a phone but they couldnt explain why this action was take or even what it was for other than premium payment! 
Instead, they are attempting to verify coverage despite my mailing proof of coverage. Every year they harass me by claiming they havent received proof despite verification from XXXX, the website they use plus the receipt of hard copy proof. However, never have they charged me for a premium as they did in XXXX. 
I find this company as the most incompetent and fraudulent institution I have ever dealt with in my XXXX years on this earth. I was so sorry to see my loan was sold to them a few years ago as I have never had this problem with other banks on this loan. What used to be an annual routine submission has turned into a nightmare. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XX/XX/2017 I opened an account with XXXX XXXX and was awarded a credit limit of {$2000.00}. Since opening the account I have always paid on time and never went over my credit limit, until this summer when a contract I was working paid slow and I fell slightly behind on receiving income for 1.5 months. During that time I was only able to pay household bills and went slightly over 30 days on my Barclays card. Once my income resumed, I made a substantial payment of {$1800.00} to Barclays and paid off a few of my other cards to {$0.00} balance. Barclays accepted my payment, then without notification reduces my over credit to {$550.00} a difference of $ XXXX That not only reduced my over all credit balance but also increased my credit usage on my credit report. The balance owed was {$340.00} out of {$2000.00} ( 17.25 % usage ) to {$340.00} out of {$550.00} ( 62.73 % usage ).

I called Barclays for an explanation and they informed me they did a pull of my credit report ( not sure if that is legal ) and I was reporting over limit on another credit card NOT ASSOCIATED WITH THEM so they lowered their risk and reduced my credit limit by {$1400.00}. I did not apply for new credit and do not recall allowing them to pull my credit report whenever they want or deem appropriate.

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 2018-09-23
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: Personal information incorrect

Complaint:
I have reached out to Experian several times, but with no success in them correcting my full credit report. Due to the fact that I was a victim of identity theft, I decided to have all credit bureaus to show my legal first and last name, and my current residence address only. Experian was sent on XX/XX/2018 a notarized copy of my utility bill, drivers license, and my social security card which shows XXXX XXXX and my address XXXX XXXX XXXX XXXX. When receiving my updated credit report Experian did as they wished not as I requested of them- under my legal right. You will find a copy of my police report where I reported identity theft, you will also find 2 copies of certified letters. 

The first certified letter requested the above, the second certified letter included the removal Again of all unnecessary names, addresses, date of birth, phone numbers which majority are incorrect anyway. Now they show a spouse or co-applicant on my report which is my daughters current name XXXX and my deceased mother which neither is a co-applicant to anything I own. I did inform Experian on my first request to update their records that if it was not done in a timely manner I would move forward to report them not only to your establishment, but also to the Attorney General as well as the Better Business Bureau. I am not able to download my documentation but I am more than willing to have this information mailed to your establishment. 

Your help in this matter would certainly be appreciated. 

Thank you in advance, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: EQUIFAX, 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:
XX/XX/2022 someone purchased a vehicle in my name due to identity theft. The amount was {$18000.00}. I reported this information to be fraudulent and reached out to XXXX XXXX and all they did was raise the amount to {$19000.00} as of XX/XX/2022. Also another company XXXX XXXX XXXX XXXX has kept an item that I disputed on my credit report due to this identity theft. It was open XX/XX/2022 in the amount of {$300.00}. I reached out to this company and all they did was raise it to {$470.00} as of XX/XX/2022. This isnt ok as I shouldnt be help accountable for someone elses actions. The credit reporting companies shouldnt be allowed to report false information thats due to the misfortune of someone stealing and using my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Armada Corp.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Please find attached a copy of a bill we received from a collection agency, Armada, dated XX/XX/XXXX for services at XXXX XXXX XXXX amounting to {$2300.00} from XXXX. Interest added by Armada was {$760.00} and continues to accrue. This debt was a surprise to us because there was no notification from Armada for 2 years and 7 months, during which time interest was building. 

I called Armada XX/XX/XXXX after confirming the debt with XXXX  XXXX XXXX. I spoke to Account Representative XXXX XXXX, who then transferred me to his leader, XXXX. XXXX remembered being the account representative for this debt in XXXX and said he tried calling our number in XX/XX/XXXX and XX/XX/XXXX. Apparently he was not allowed to leave a message. Therefore, no notification between XX/XX/XXXX and XX/XX/XXXX, with interest adding up. 

Id like to inquire if this practice is legal. Do I have any recourse?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: Certified Credit & Collection Bureau
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Dear CFPB : this matter is in regards of a debt of : {$640.00}. This bill from one of the hospitals i was there around XX/XX/2018, and I aplied for charity care. The collection agency wrote me a letter dated : XX/XX/2018 and I answer them before the 30 days. I explain to them DO NOT CALL ME, DO NOT HARRAS ME, to please to get in touch with the hospital financial/charity care office. I also ask them to mail me within 30 days bye State and Federal Laws. Copies of my bills, receives, copies of my policy number and also i told them do not call me any more and to contact my attorney if need it. Thank you Very truly yours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
From XXXX XXXX my last four of social security number is XXXX date of birth XX/XX/XXXX XXXX Honda XXXX My complaint is that America Honda finance refused to offer me a three month extension. Reason I was past due I was effected by covid I'm back at work. If they can approve me for the three months extension. Iam able to resume my normal payments with no further problems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, and XXXX XXXX XXXX ACCOUNT # XXXX have 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 states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX  XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$200.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX  XXXX XXXX Balance : {$460.00} ; XXXX  XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX/XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2018-09-23
Company: Equitable Acceptance Corp
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX I received a letter from XXXX and they said that I could pay a lesser amount per month than XXXX was offering and my payments would stay in good standing with XXXX and the money, which is XXXX per month, would go towards my student loan balance when this deferment time period was up. they also told me that I would be eligible for XXXX XXXX XXXX at that time and could possible have my loans paid off. I started receiving papers from XXXX, which is my loan servicer, about renewing my temporary hardship paperwork and I asked them if my record of payments being made to NationalStudentLoans.us via Equitable Acceptance of the XXXX/month was showing paid to them. This is not the case at all. I confirmed with a XXXX rep on XX/XX/XXXX that this loan company is a scam and that I have been basically paying them for my temporary hardship/forbearance when XXXX already has me on one and I just need to renew it and its a free service. XXXX has no record of payments and I have been paying this company since XX/XX/XXXX and its basically a credit line that I have nothing show for, no merchandise purchased, no card, and no payment reporting to XXXX. If I had known that I would be paying this company for nothing common sense would have told anyone that it is a bad deal but instead I was lead to believe this would benefit me in the long run with the status of my student loans and balance. Now this fraud and scam based company has all my info which is truly worrisome. I have a folder full ofdocuments ( too much to upload but can fax any necessary papers ) including individual names of correspondents and up to date account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX  XXXX XXXX reported a unsubmitted balance to my insurance as a founded balance to a collection agency called XXXX  XXXX XXXX XXXX whom failed to rendered supporting documentation that they are in compliance with services that would have been covered under insurance but, due to the negligence of the doctors office, as I was covered my XXXX  within the state of Maine as I was XXXX  and unemployed at the time. The provider and the insurance confirmed there was no bill and since they failed to submit the claim nor did they notify me in a timely manner ( until it was presented to collections ) the insurance will/did deny coverage because the claim is untimely. Moreover, substantial risks and delays associated with continuing to pursue their lien rights instead of being paid by the clients health insurance need to be brought to the providers attention as well, due to this gross balance causing a huge impact on my creditworthiness If not removed litigation will be set forth, and court will rule and i will sue to the negative impact caused over the years

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