BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
HSBC CREDIT CARD ending in XXXX now ending in XXXX ; On or about XX/XX/XXXX I received a paper statement showing that the entire credit limit of {$5000.00}. was used. I called and notified HSBC that this was fraud. I had not used my card for anything. The HSBC is a backup emergency card that I do not use. They informed me they would cancel that credit card and send me a new one ; which they did. The letter from HSBC acknowledging the  unauthorized use on my card was dated XX/XX/XXXX with the new card, received on XXXX XXXX or so. I then received a 2nd credit card statement with a balance owing of {$210.00} and a due date ( DD ) of XXXX XXXX, XXXX. I called HSBC fraud team again and informed them that these were not my charges and repeated I had not used my card. They said they would remove these fees and  charges of the $ XXXX fraudulent cash advance. Then I received a 3rd cc statement stating I had an amount owing of {$220.00}, with additional fees and charges on the original and subsequent fraudulent charges, fees, and interest. I called HSBC on Sun,  XX/XX/XXXX and repeated these were not my charges. I was told I would have to call back between M-F XXXX CT. I have called the HSBC fraud team today, XX/XX/XXXX again and asked them to remove these charges. Again they inform me that it will have to be investigated. One fee of {$96.00} was for the check written for the {$5000.00}. How could they even authorized going over my credit  limit of $ XXXX? I am sorry but enough is enough. These are fraudulent charges. Further, HSBC had reported late payments to the Credit Bureaus affecting my credit score and these are not even my charges. How can I get HSBC to stop billing me for fees and charges that are not mine? How can I get HSBC to correct their late payment reporting to the credit bureaus? How can this situation get rectified? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: CITIBANK, N.A.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Since around XXXX/XXXX  right after I got notified that my Citibank Secured Card was completely comprised. I sent them a XXXX deposit and tried to rectify the problem back around that time. To no avail they have a zero  Fraudulent liability and refused to honor their contract. I called several times trying to resolve this problem but I would get a customer service experience from another country and they said nothing could be done. I called twice then Covid hit and I had to take care of my family so Citi Card was on the back burner until I recently received a collection notice from them I called them back and requested they file a fraudulent dispute and they did so according to the representative I spoke with today they issued a new card and its the account is in the security operations department. The reason for this complaint is just to keep Citibank accountable for their actions and not throw me aside because I happen to have a secured card. So far everything is working according to plan regarding the disputing process as per Citibank. But as of today there still is a balance of {$490.00} remaining that needs to be credited to the account Reflecting a XXXX  balance and {$600.00} available credit. Today I received a XX/XX/2020 response to your request for COVID-19 assistance which I never asked war and the letter happened to deny me for assistance the only thing I wan na receive from Citi Card is A : check for {$600.00}, B : A brand new Citi Card credit card reflecting XXXX balance and {$600.00} available credit. This process should have been resolved months ago but because of poor educated bankers at city Bank unfortunatelyThe matter never got resolved but I believe Citi Card is going to do the right thing and resolve the XXXX crediting my account reflecting a XXXX  balance with a {$600.00} available credit for purchase. We are in the mist of a pandemic this is not the time for the banking system to toy around with their clients finances whether its XXXX or {$6000.00}. Fortunately enough for me I believe finally my account is in the right hands but lets wait and see.

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 2022-10-04
Company: EdFinancial Services
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I am submitting a complaint today in regards to EDFinancial 's lack of clarity and inability to provide timely refunds. I had initially requested a refund for my student loans due to the CARES act, they gave me a completely unreasonable timeline as to when the funds would be returned, even though a number of my friends ( who are also going through EDFinancial ) have already received their refunds via direct deposit. They can not give me ANY transcripts of conversations with customer support, or provide any additional information as to where my {$5000.00} is currently. I have even been outright hung up on multiple times when calling an agent. My loan account has opened back up and has been opened for a month now, which has impacted my credit score, yet I still have no idea to where my funds are. In this economy, I can not afford the conflicting statements given to me by agents, lack of clarity from them, and most importantly so the absence of MY money. Emailing them has been met with no response and calls are difficult seeing as i am XXXX overseas. I pay for every call and each time I can not be provided with additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-10-20
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open an account at your bank. I was told I couldnt open it because I was not in one of the states where your bank is located. I was told the account would be closed. {$300.00} was taken out of my account to fund the accounts. I want my money back.

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 2023-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
My Capital One credit card has been opened for a total of 8 months now. Never over the limit, always on time and being used way under 30 % usage. I requested a credit line increase after 6 month received a notice saying account is to new. In the definition for account is too new, wait serval months before applying for an increase. I figured it was because 2 monthly payments wasnt made since those two months I had a credit balance and no payments due. Well a month later after 6 payments, and 8 months later I applied again for a credit line increase, got a denial notice stating account too new again. In the definition again for account to new, it says wait several months before applying for a credit line increase. In my book serval means 4-6months after an account is opened. So I called capital one and asked what is several months definition for capital one. The supervisor i spoke with said, several months is around 4-6 months. Let me see how long your account has been opened, ok I see here its been opened since XX/XX/2023. Ok, so if serval months is 4-6 months. Why am I still getting account too new and wait several months before requesting an credit line increase? Also, when asked to speak to her supervisor she tells me there is no one over her I can speak with. Denied my right to escalate my concern higher pass the supervisor level.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: National Credit Systems,Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have filled out all the paper and sent to this company, saying identity theft has occured. 
there saying I owe XXXX for a XXXX XXXX was rented in XXXX GA I've never been to XXXX. this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 writing to remove all the unauthorized inquiries reporting to my credit report 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 non-monetary relief
Consumer complaint received 2022-08-26
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the lawXXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Source Receivables Management LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As I'm not aware of why this account is showing up as a collection on my report. I was willing to work with the company to rectify the situation and pay a negotiated amount just to have it removed. The company insisted it was my account and that I have to pay the full amount in order to have it stop showing up as a collection under my social security number. The company was unwilling to work with me but I need to get this matter resolved as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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: Their investigation did not fix an error on your report

Complaint:
Regardless of multiple written requests, the unverified account listed below is still reporting negative on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. DEPTEDXXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Experian Information Solutions 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:
I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update this inaccurate account. I think you have not confirmed this information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again : XXXX XXXX XXXX Balance : {$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 explanation
Consumer complaint received 2023-08-15
Company: American First Finance, 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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have informed this company A. that the alleged debts that they provided to me are not mine. B. I've informed this company NOT to contact me during work hours. I work from home and on TWO occasions they have contacted me during working hours. Once I remind them of this they apologize and hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-26
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a dispute letter to Experian a letter on XXXX. I have not gotten a response from them yet. It has been over 30 days

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 2023-08-24
Company: EQUIFAX, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: Experian Information Solutions 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 do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I believe I was victim of Identity theft, somebody stole my 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 2022-11-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I used to have an account with Nissan Account # XXXX I see this account reporting as a paid chargeoff. I don't believe this to be accurate. This account was paid on time for the duration of the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: NY
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2100.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$270000.00}, and XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Last year I co signed an apartment with my cousin she moved out and moved a complete stranger from an ad I asked manager to evict him or ask him to leave they told me no. My cousin spoke to them and they all agreed to get me off the lease I have email from the manager saying she was working on it. Today I started getting phone calls at my job by debt collector threatening me telling me this isnt going away  what am I gon na do I have to pay XXXX saying she has my social and will just garnish wages

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
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:
I am writing to report an incident of identity theft that I recently discovered. I believe my personal information has been compromised and used fraudulently without my consent. I am seeking your assistance and guidance in addressing this matter.

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