BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
HSBC ( https : //www.us.hsbc.com/ ) didn't give the right rate for their HSBC Direct 12-month CD I applied for a new HSBC Direct CD on XX/XX/2020 and their web ( https : //www.hsbcdirect.com/cds/ ) was showing the APY rate of 12-month CD is 1.9 % when I was applying for new account. However, their very bad process needs to review the application and finally the account was opened on XX/XX/2020 ( amazing processing speed ). After completing the application, I also called their customer service and their agent confirmed with me that their CD 's opening APY rate is based on the application date, but not the opening date! I think that this rule should be reasonable : because that I agree with opening the CD because of the rate I have seen on the official web ( this is because that no one knows the real rate in the future! ) However, when I saw their first month 's interests and I was surprised. Then, I contacted their live agent ( named " XXXX '' ) who told me that the CD was opened at a rate of 0.8 % ( this is based on the opening date, but not the application date ). Then, why should I open a CD at such a low rate? Because currently their Direct Savings ' rate is still 1.7 % ... The bank 's explanation is completely unreasonable and unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : OFFICE OF THE ATTY GENER # XXXX has 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was repossed XX/XX/19. That was the day I had told American credit acceptance I would make payment to get thee car current. That was also my payday. They said they would send me a letter explaining all my rights. The care was moved to an auction house. I called multiple times to get information on how to get car out. They told me call auction house, I called auction house they said call the car company cause they need to give me permission to talk to auction house. American credit would not complete the call to the auction house. I called several times they would never get through to the auction house. I also never got my letter explaining my rights. I never got the chance to know how much money I needed to get the car back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: EQUIFAX, INC.
State: MS
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:
Ive reached out to all three ( XXXX, Equifax, XXXX  ) credit bureaus containing to fraudulent inquiries on my credit report. Ive sent them all documents theyve asked for in the last four months and still nothing has been done to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My account is 60 months no intetezt with XXXX XXXX. They decreased my credit limit without a warning and or reasoning. This interm affectsy crefit score and debit to credit ratio.

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 2020-05-03
Company: JPMORGAN CHASE & CO.
State: MI
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: Problem with personal statement of dispute

Complaint:
In early XXXX, I noticed a discrepancy on my credit reports for a home equity loan that I have with Chase Bank ( # ending in XXXX ) even though my credit report on my XXXX showed a satisfactory payment history, when I looked at the posted payments for each month, there was a discrepancy between the amount posted as paid vs the actual amount paid on that particular month ( as shown on the credit reports. ) In those cases where an amount paid was incorrect/different than what appeared the Chase record vs. what appeared on my credit report ( i.e., showed as less than was actually paid for several months. ) Chase asked me to fax them copies of my payment records and I did send them bank records to support my claim that a specific amount was paid on each of the contested months. I got a response from Chase Executive Offices and Chase confirmed that their records are in agreement with my records. At that point, Chase said that there is nothing they can do since their records of payment agree with the customer records of payment and Chase advised that I get in touch with the three credit bureaus. 
I contacted each of the three credit bureaus and they offered to pursue a dispute, but they also informed that they get their info from Chase which basically put me in the middle of a Catch-22 finger pointing situation between Chase and the credit reporting agencies. Rather than continue, I just dropped the matter since my overall payment record with Chase was satisfactory. In XX/XX/XXXX, I informed all three credit reporting agencies that I want all consumer disputes removed from all my credit reports because they are interfering with refi loan processing via another lender. The credit reporting agencies removed all disputes. On XX/XX/XXXX, one of my credit monitoring services informed that Chase added the following remark concerning my HELOC with them : " Between XX/XX/XXXX and XX/XX/XXXX the following remark was added to this account : Consumer disputes - reinvestigation in progress. '' There is no pending dispute and I want the new remark entry removed immediately to avoid further processing problems with my refi application with another lender. Why Chase added this dispute remark months after doing nothing on the issue is beyond me, but I want the remark removed NOW! XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: Evergreen Financial Services Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX, I received approval for a {$500.00} installment loan from Evergreen. I made the first few payments in XX/XX/XXXX, then on XX/XX/XXXX entered into a contract with XXXX XXXX XXXX to assist with settling a few pay day loans. 

Evergreen received a Cease and Desist order and a Power of Attorney from XXXX XXXX XXXX  on XX/XX/XXXX, but still processed the payment and have not ceased contacting me regarding the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: EQUIFAX, INC.
State: VA
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 been submitting disputes for SEVERAL MONTHS NOW against the accounts that these three bureaus keep posting in my credit report. I have reason to believe that these accounts are all INACCURATE and UNVERIFIED information but they keep showing up in my report. They have not shown any legal evidence to prove that these accounts were made by me or owned by me in those months that I have been asking for proof or any signed agreement. I asked for legal advice and was informed that what they are doing is against my rights and is not compliant with the FCRA/FDCPA. This has been causing me tremendous stress and mental anxiety, not to mention FINANCIAL concerns especially in these times of pandemic. They have not been very helpful in resolving these matters and I have been contemplating on taking them to court to resolve this, however, it would be more helpful for me to have the accounts corrected SOONER rather than later and thus, the main reason for me giving them, literally, ONE MORE CHANCE to do the right thing and REMOVE all these inaccurate and unverifiable information from my credit report. I hope you could help me to shed light to them regarding the matter. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My disputes may have been overlooked in these past months. I have been trying to remove unknown and unverified accounts from my credit report. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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:
2nd request, and as per credit bureau my documents weren't received, I am resending my FTC and identification

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 2021-09-14
Company: AXOS FINANCIAL, INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I finally received favorable appeal decision from Texas Workforce Commission and a $ XXXX direct deposit back payment was issued from XXXX Bank on XX/XX/XXXX. ... ... ..... 

Axos Bank has refused to release those funds, ignores the fact that XXXX affirms the transfer is complete on their end ... ... ... ... ...... 

This action by Axos bank; taking my $ $ hostage, should be grounds for drastic action and accountability!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Green Square Company LLC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX is contacting me repeatedly Ive sent them a letter on XX/XX/XXXX to ask them to validate the they still continue to call me and leave threatening voicemails and didnt validate it. They are calling from different numbers and leaving different numbers to contact them on my voicemail. They called me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX leaving different contact numbers on the voicemail. They dont ever say the name of the company. I search the number on XXXX and found the name. They sometimes even say they are PRG on the voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
There are XXXX accounts that are listed on Equifax report ; neither of which belong to me. Also a child custody late reporting is on my report also ( I have never been late ). I have requested an investigation x XXXX with no information provided to confirm these accounts belong to me. I have provided documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed XXXX $ via XXXX  transfer to a recipient who was selling a product. Though i authorized the payment, i still believe the bank should be held liable to give a refund since they have done nothing to protect their customer ( me ) from common problems like this and they have not taken the time to redesign the function of this money transfer system in a way that it would protect the customer from common fraud/scams like these. The bank knows who the recipient ls and the bank has the options to fix this issue but simply chose not to. It is said that XXXX is backed by the banks and is safe to use yet when issues like this occur no one wants to help. This can not go on. It is time for the bank/ XXXX to take responsibility and fix these flaws withing " their '' system.

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 2021-03-07
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello I would like to submit a complaint against XXXX for the mismanagement of my funds I have sent them several emails that my cryptocurrency is frozen with the issue " verification is still processing, check back in a couple of minuets '' this has been like this for 4 weeks since the XXXX of XXXX I have received one email from them about the complaint and they have replied that the closed the ticket and it has been sorted when in fact it has not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-11
Company: Cottonwood Financial Ltd.
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 is missing that should be on the report

Complaint:
Several dates of borrowing and a satisfactory transactions. They just not reporting to the credit bureaus. Cottonwood Aka The Cash Store

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 2021-01-27
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a alleged debt with a company by the name of TRUE ACCORD in the amount of XXXX. I have sent them a letter certified mail stating for them to verify this alleged debt that I am not aware of. I have tried multiple times to dispute with credit bureaus but they have forward me to the 3rd party collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my loan and received an escrow refund check which bounced. I have called 6 different numbers associated with this company, and in every call I was directed by the automated system that ends up hanging up on me.

Loancare LLC a subsidiary of 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 explanation
Consumer complaint received 2021-03-07
Company: Colony Brands, Inc.
State: AR
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 HAVE DUPLICATE HARD PULLS ON XXXX  1 AUTHORIZED THE OTHER ONE NOT DELETE XXXX XXXX XX/XX/XXXX, DUPLICATE XXXX XX/XX/XXXX DELETE XX/XX/XXXX AND GINNY ON XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
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:
This is a follow up to my previous complaints where Equifax is adding a balance to my XXXX account which was settled in 2018 yet again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Long & Foster Financial Services, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I had applied for a mortgage with Prosperity Home Mortgage LLC in XXXX of XXXX with Loan Officer XXXX XXXX NMLSR XXXX. I and my Real Estates Agent XXXX XXXX were told at the time everything was " a go '' and we could begin to look for properties. We found a property at XXXX XXXX XXXX XXXX, Tx. XXXX and put in an offer. Mr. XXXX said at that time all was good. I talked with him several times on the phone. I was concerned because I knew that there were issues with my credit being borderline, but he continued to say that " we're good. '' According to my credit report he checked my credit on XX/XX/XXXX. After the offer was accepted and Mr. XXXX told me " we're good '' I paid {$470.00} dollars for a Home Inspection with another {$50.00} for termite inspection. I then received a message from Mr. XXXX office that they need {$550.00} for appraisal. I sent that to them that day. During this time my realtor, the seller 's realtor, and myself ask Mr. XXXX to supply the loan letter to the seller 's agent. Each time he said he would get that to her that day. We were set to close XX/XX/XXXX. Title work was complete and all was ready. Mr. XXXX asked for a delay of 7 days. I then was bombared with request for the same paperwork over and over, He began to talk about issues with my credit to my agent, but still had not pulled it a second time. He would not talk to me directly during this time. He would not tell me directly that I wasn't getting the loan but told my agent she needed to find me a home to rent. XX/XX/XXXX came and the contract was not funded. I have never received the paperwork that denies the loan or shows why that is required by law. When my agent attempted to find out what was going on he stated only " I never gave you a loan letter. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-23
Company: SECURITY FINANCE CORP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2021 my mother sent me a message stating that security finance contacted her and divulged my personal financial information to her. It is illegal for them to do so.

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 2019-09-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/19, i recived a notification that someone got into my USAA account and added themselves to my XXXX list I then recieved a email a minute later stating they had transferred all but {$8.00} from my account to theirs. The bank is stating its my fault because my computer may have been compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed account t # XXXX with " The XXXX XXXX XXXX '' as these accounts were fraudulently opened and were removed from my credit reports Because they could not validate the debt. Now these accounts have resurfaced back onto my Transunion and XXXX  report in which they DO NOT belong to me. Under the laws of the FDCPA, I previously contacted the creditor myself, and they have failed to verify that this is indeed my debt. The Fair Credit Report Act requires you to verify the validity of this debt within 30 days. If the validity can not be verified, they are obligated by law to remove it from my credit file. These debts were unable to be validated and they need to be removed from my account 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 2017-12-05
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 investigate my account XXXX XXXX XXXX XXXX, Account number XXXX, Date opened : XX/XX/XXXX ; Amount : {$580.00} I have filed ftc complaint and written validation letters to XXXX XXXX XXXX XXXX many times from XX/XX/XXXX up to now, but XXXX XXXX XXXX XXXX couldnot validate that item.Yet, Experian bureau have not removed this negative item out of my credit report. 

Please investigate this case and remove that incorrect information from my Experian credit report. Thank you so much!

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