BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I've had a credit card with HSBC for a few years with a {$6000.00} credit line with no payment incident or anything. I hadn't used it for a while and there was no balance due. When I tried to use the card recently, it was declined. Yet, when I went online, my account appeared OK. When I contacted HSBC by chat, I was told that they had closed my account for no activity. They said that they had sent me notices to that effect but it can not be true since I did not receive any and yet I keep receiving their Credit Card Newsletter and in addition there is no mention whatsoever of my account being closed on their online banking. I asked them to please reinstate my account and they refused. Then I looked closer and saw that, although my account wasn't closed ( and is still not closed as of today XX/XX/XXXX as you can see on the screenshot attached ), my credit line was reduced to {$0.00}. Upon checking XXXX, I discovered that HSBC had declared my account closed as of XX/XX/XXXX, hurting my credit score for no valid reason. I placed a complaint with XXXX for false information but haven't heard yet. This behavior from HSBC doesn't seem correct, perhaps not legal. I hope you can intervene to stop HSBC in their dubious behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have disputed this to try to get it corrected and nothing was ever done. There is an account XXXX XXXX XXXX showing I owe a balance of XXXX which is not right. Insurance paid off this loan. Please help assist me to get this removed as it 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 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent letter to XXXX, XXXX and Transunion to remove all addresses that I am not associated with and only list my current address. I also has several unauthorized inquires on my credit file that needs to be deleted. As of XXXX XXXX XXXX. I have not received a response regarding these issues that are negatively affecting my credit profile.

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 2023-09-06
Company: Rozlin Financial Group, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
What XXXX DOJ, informed me over XXXX fraudulent Collection notices have been sent by RFGI XXXX XXXX XXXX XXXX, was informed by the XXXX DOJ Here is my story : XXXX XXXX for {$5900.00} This is from a XXXX that happened way back in XXXX Stale debt.. 

This is from a XXXX Account from " National Durable Medical '' XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, XXXX Oklahoma, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Search XXXX " XXXX Charged with Violating Federal Anti-Kickback Laws and Committing More Than {$4.00} XXXX in Health Care Fraud '' XXXX DOJ XXXX a victim of Medicare Fraud XXXX 

XXXX on XXXX, had XXXX surgeries, XXXX survivor, have further medical issues to be corrected in the near future.. Suffer from XXXX, Anxiety, and XXXX On a fixed income and have about {$65.00} left over every month after bills are paid.. I have a lot on my plate and to be involved with fraud that deals with Finances impacts me greatly psychologically, had to seek additional therapy due to this..

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 2022-12-23
Company: SLM CORPORATION
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am trying to get help paying my monthly payment. I have talked with customer service multiple times about a rate reduction plan or any kind of assistance and they keep telling my they arent able to offer any assistance. My payment is {$1900.00} per month which leaves me no money for my bills at all and Im in the negative $ XXXX. I sold my car and lower all my bills. They refuse to help me. I am able to pay {$800.00} a month and they wont accept that at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
TranUnion is Past 60 days on there investigation I have mail them with a regestered letter and was unable to attach to CFPB profile case and attaching them again for the first time to CFPB azs well for the fourth time registered mail today SEE ATTACHED

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 2023-01-14
Company: Viking Client Services
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX is apparently trying to shake me down over damage to a rental vehicle that I did not cause. 

Here is the complaint that I sent to them after I received a letter from a debt collection agency. 

Please note that the car was successfully checked in by a XXXX XXXX XXXX XXXX person on XX/XX/XXXX at XXXX after I had already dropped it off. According to their own attached records, the incident occurred on XX/XX/XXXX and was not reported by the individual who checked in the car on XXXX 
-- -- -- -- -- -- -- -- -- -- Dear Sir or Madam, I have received a damage claim to the above rental car for damages that I did not cause. 

Here are the facts : There was no attendant on duty when I returned the car. 
My business partner was with me and can attest to the fact that the car was undamaged. 
The claim that I received shows that I returned the car to XXXX XXXX XXXX on XX/XX/XXXX. 
The " Incident Date '' listed on the report is XX/XX/XXXX. 
The car was not in my possession from XX/XX/XXXX until the incident date of XXXX. 
The email address listed on the claim is incorrect and does not match the email address that I have on file with XXXX. 
The pictures that I was sent shows the car in a completely different location than the one that it was left in. It was left at the airport check in facility but the pictures clearly show it at a repair facility. 

Why am I being charged damage that I did not incur and apparently your company can not confirm happened while the car was in my possession? 

If I did incur this damage, why was I not contacted by XXXX before it was sent to a credit reporting agency? 

Should I need to get my attorney involved, I have already consulted with XXXX. Please provide me with the following information as soon as possible so I can share it with her. 

XXXX 's policy regarding the checking in of cars upon the end of a rental. 
XXXX 's policy regarding the reporting of damage by company personnel upon return of a rental. 
The entire rental history of this car from XX/XX/XXXX to XXXX. 
The contact information for any owners of video surveillance systems of the airport lot where the car was left. 

Please feel free to contact me at XXXX or XXXX to discuss further. 

We look forward to your favorable resolution based on lack of facts, witnesses, and the lack of expeditious reporting of the supposed damage by XXXX XXXX on XX/XX/XXXX at XXXX. 

Thank you for your prompt attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: PA
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 an XXXX card that I was supposedly added to as an authorized user, but I do not recognize this account. Regardless, as an authorized user, I am not legally responsible for the account and I would like the account to be removed from my credit report. This account does not show up on my XXXX or XXXX credit reports either. I disputed the account with Experian but they have not removed the account from my report.

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 2019-07-29
Company: CCB Credit Serivces, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

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 2022-12-23
Company: Upgrade, 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: Credit inquiries on your report that you don't recognize

Complaint:
in accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a card account under an open consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am an Arizona resident and sold an item online to a buyer in Louisiana. The buyer paid me for the item using PayPal. PayPal immediately put a hold on these funds and demanded that I provide a tracking number for the item. They promised, in writing, that the funds would be released 1 business day after the item was marked as " delivered '' by the shipping vendor, in this case XXXX. XXXX successfully delivered and PayPal is still refusing to release my funds. I am due a total of {$640.00}. All attempts to contact PayPal have gone without any meaningful response. They've been unable to field phone calls for a week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-15
Company: EQUIFAX, 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2022-10-20
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: Account information incorrect

Complaint:
I have disputed this to try to get it corrected and nothing was ever done. There is an account XXXX XXXX XXXX  showing I owe a balance of XXXX which is not right. Insurance paid off this loan. Please help assist me to get this removed as it 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 explanation
Consumer complaint received 2022-01-13
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used Moneygram to transfer {$150.00} to my wife in XXXX. I used their service in the past and money was deposited within an hour into her bank account. After a week, I contacted them several times and I was told I had to wait 90 days for an investigation. They had no issue taking the money from my account, but try to pin the responsibility on the receivers bank. My wife contacted her bank and the money was never deposited. I called again and said it was true that money was never transferred to their bank but there was nothing they can do to refund my money until the 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: FIRST PORTFOLIO SERVICING INC
State: NJ
Product: Credit reporting 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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
XXXX XXXX XXXX XXXX  per phone call XXXX, saying they added the Assignment of Mortgage in error, there is no Mortgage and XXXX has also acknowledged that there are not the Investor or Noteholder, So can you please explain how you feel this Assignment of Mortgage is Correct, and can you please explain on our Foreclosure documents you Show XXXX XXXX XXXX XXXX  is our Invester when they have sent several letters saying they are not the Noteholder and Investor. Please Explain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act, Equifax has and continues to violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 by continuously reporting the following discrepancies with the following accounts : I have requested numerous times for Equifax to properly reinvestigate the following accounts : Account Name : XXXX  XXXX Account # XXXX Payment history : XX/XX/XXXX Late XXXX days and XX/XX/XXXX Late XXXX days Account Name : XXXX XXXX Account # XXXX Payment history : XX/XX/XXXX Late XXXX days and XX/XX/XXXX Late XXXX days Account Name : XXXX XXXX XXXX Account # XXXX Payment history : XX/XX/XXXX Late XXXX days Equifax is aware they are reporting inaccurate information and continue to violate multiple violations, knowingly in violation of my consumer rights. 
I have requested for Equifax to provide me with proof of this alleged payment being late, as well as a detailed description of all reasonable procedures used in your reinvestigation process to determine the complete maximum accuracy of information reported on my credit report. Due to not providing proof of payment being late or lack of proof of payment being late, Equifax 's responsibility was to proceed with updating the payment history to paid as agreed never late ( PAANL ). 

In accordance with the Fair Credit Reporting Act, Equifax, has violated my consumer rights.

15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15.U.S.C 1666B ( a ) : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA credit reporting agency, Equifax, is required to promptly DELETE all information that is inaccurate, incomplete or which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: PLS GROUP, INC
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
PLS suggested to me to get one of their debit cards to hold my money on because it's safer I don't even think it was a day later I lost about {$3500.00} off of my card in about {$500.00} increments while i was sleeping when i noticed i called them stopped card and got a new one. They said no problem they would investigate it and refund the money. They investigated and never refunded the money. I asked them why and asked for a copy of my statement of all of the transactions I've never been able to access my online statement or their APP. But I didn't recognize any of the names on the statement. I filed a rebuild 5 times they finally claimed they just received my rebuttal after 5 times and now they are stating they need any supporting documentation whatever that means if it is a police statement they are talking about it's probably a little late for that seeing how it's been 2 months and they never said anything about needing any police statements then I'm not sure what it is they need. I'm a single father of a XXXX yo I just turned XXXX and this money that came up missing is a grant I received because I just found out I had got XXXX right around COVID I was trying to start a business to get myself off of social security because it doesn't pay well enough to survive. My statement PLS send me of all of the transactions are non legible starting on the day the money started coming up missing the names of the people who accessed the money names are double printed over so that I can't read who or what the charges or withdrawals are from. It almost looks as if it's an inside job. I only had the card 2 days before this happened. I've got all kinds of banking institutions and I've never had any instances happen like this. I'm running out of time on this rebuttal and seriously need help. I'm trying to reinvest this money so that I can take care of my child.

Company response to consumer: Closed with monetary relief