BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I submitted this complaint before, you submitted it to HSBC who reviewed it and said basically " It could take up to six months - good luck ''. They did not provide proof of when or who to my account balance was submitted. If this is the extent of action you can take then honestly don't see the point of your agency. The law regulating delinquent accounts was intended to clear up old accounts of people who had died or were truly unreachable. Financial institutions are either grossly misunderstanding the law or deliberately abusing it. If you haven't viewed an account in over a year they will send one letter, which may appear to be spam or simply missed, and then close your account and give the money to the state. A few repeated emails or phone calls or several letters would reach 99 % of people. 
I would expect you agency to take some action such as review how many similar complaints were at each bank and look into whether they actually submitted the money to abandoned property. 

original complaint : HSBC gave the remaining money in my account to abandoned property in Connecticut on XX/XX/XXXX. I have checked CT abandoned property and their is no record as of XX/XX/XXXX. I did not receive any prior notice by mail, email or phone call even though I've had the same address since XXXX. I had been receiving email notices up until XX/XX/XXXX saying that a new account statement was available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: EQUIFAX, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION. BECASUE OF THIS, IT HAS CAUSED A GREAT HARM TO MY CREDIT AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I made a purchase of {$23.00} from Homedepot/ Citi credit card, in XX/XX/XXXX and Paid in full on XX/XX/20. I am still getting notices of late payment fees on late fees. Now they want {$100.00} for nothing. They put the account for collection in XXXX without any notice and I did not get first payment statement due to Covid-19. I called many times to resolve the problem.Their phone system is robot and Reps. have bad attitude. I cancelled the account still I am getting e-mails and mails. They created this problem just for {$23.00} which is already Paid.

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 2019-09-17
Company: SUNTRUST BANKS, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
My husband and I applied for a loan to build a pool at my property. I have a XXXX credit score and my husband has a 800+ credit score. I have {$80000.00} in the bank, I own a  property with over {$300000.00} in equity and I make {$60000.00} a year W2 income in addition to my social security and my husband 's pension. 

I filled out the application online and was asked to call and verify some information. I called and verified everything and they said they needed to speak to my husband. I was at work, so my husband and I called back later. The girl who spoke to my husband insinuated that she did not believe that we filled out the application on line. She asked my husband " did you fill out the application or did someone help you? '' She was very condescending and it was apparent that she did not believe people of our age ( 80, 81 )  should be borrowing money. 

A few hours later I received a denial letter. The denial stated I had too many late payments. I called Lightstream and asked them to go over with me what the denial was about and I alerted them to the fact that I felt like age discrimination was in play. He said that I had a few late payments on my report and that was the reason. I asked him if they had a policy of how many late payments were acceptable and he said it was case by case. I told him that age discrimination was against the law and he offered to resubmit the application. The next day I received the same denial email. 

I feel very strongly that if my application were compared to any other with a XXXX credit score, there would not have been a denial. I am convinced that Lighstream broke the law and discriminated against my application due to my age.

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 2020-05-10
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: Account status incorrect

Complaint:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30/60 day. As you can see, I have always had a stellar payment record. I tried contacting XXXX EquifaxXXXX XXXX, and XXXX  with no successful resolution. XXXX Equifax, and XXXX reporting me 30 days late in XXXX XXXX and XXXX XXXX. There was an error on their part. I was never 30/60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Resurgent Capital Services L.P.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This inaccurate information is causing me significant XXXX  and negatively affecting my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Chase Receivables Inc., is a debt collection agency is reporting to all three of my credit reporting agencies and they should NOT be! They are violating the FDCPA and should be sanctioned and told to remove their tradelines from my credit reports!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}, {$1800.00}, {$33000.00}, {$12000.00}, {$16000.00}, {$12000.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: CA
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:
im filing this disputes because I have sent in a letter to verify the inquires on my credit report and have no been notified of the investigation. I sent In the letter on XX/XX/2021 and it has been well over 30 days of noncompliance. please help me resolve this matter as I refuse to wait any longer for further investigation. to my understanding the agencies have 30 days to investigate and the time is up, so please remove the unauthorized inquiries from my credit report promptly. as pursuant the fair credit reporting act 604 15 USC 1681b ( 3 ) information regarding inquiries, in section 609 ( a ) ( 5 ) 1681g a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
For years I have disputed the existence of the inaccurate account on my credit file listed by XXXX   XXXX. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse.

I NEVER had an account 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 2020-10-11
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}, {$1800.00}, {$33000.00}, {$12000.00}, {$16000.00}, {$12000.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.

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 2019-09-17
Company: Prosper Marketplace, 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:
My company took out a line of credit with Prosper after a general contractor failed to make multiple payments and breached their contract with XXXX XXXX, XXXX. The loan was to cover payroll, taxes and fees associated with that specific project. 
Prosper advertises " Small Business Loans '' so I contacted them to apply under XXXX XXXX, XXXX. We were awarded the line of credit and paid suppliers, employees, taxes and fees. We were eventually paid by the general contractor and owner after filing a mechanic 's lien on the commercial property. 
They weren't getting paid because bill were not being sent to the business. I later learned Prosper used my personal social security number and was making negative reports on my credit report. 
I contacted my attorney and he noticed Prosper advertises " Small Business Loans '' and advised me to contact the credit reporting agencies immediately as all reports should be on the XXXX XXXX issued by the IRS and not my or any partners personal social security numbers. 
Now my credit took a bad hit

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 2020-10-12
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I attempted to purchase a dog through XXXX. I was prompted to pay {$800.00} through XXXX by Chase Bank, and the dog would be shipped the following Monday. I paid this amount ( {$800.00} ) on Saturday, XX/XX/2020 to XXXX XXXX. This dog breeding website turned out to be a scam and I did not receive the dog I paid for. I attempted to cancel the transaction on Monday evening, XX/XX/2020, as my account said the transaction was still pending. I was told by the representative that the transaction had been approved and the money was deposited into a non-Chase bank account. The representative told me the only thing I could do at that point was to file a police report for the stolen money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: MoneyLion Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted MoneyLion many times to update their system and address disputes with XXXX. They have provided a letter addressing this but XXXX will not ACKNOWLEDGE the letter, therefore the dispute continues to come back as " REMAINS ''. 

I am demanding that MoneyLion, account # XXXX update their system to current or Never Late so that disputes are updated. 

I have contacted MoneyLion MANY TIMES asking them to provide accurate payment history to XXXX. This is my 5th dispute with this matter. 

I AM BEYOND FRUSTRATED!!!! 

This is an incorrect reporting of my account status and clearly a violation of my consumer rights. 

According to the Fair Reporting Act " Accurate Reporting If  inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. 

I will continue to report this company with the consumer finance division until my consumer rights are protected. 

Again, correct and remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: U.S. BANCORP
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
ASSOCIATED BANK/ELAN FINANCIAL SERVICES CREDIT CARD. 

ACCOUNT ENDING IN XXXX A LATE PAYMENT WAS REPORTED XX/XX/21 WITH A DELIQUENCY STATUS ACCOUNT ENDING IN XXXX A LATE PAYMENT WAS REPORTED XX/XX/21 WITH DELIQUENCY STATUS. 

I HAVE TRIED ON NUMEROUS OCCASIONS TO UPDATE THE CONTACT INFORMATION ON MY CREDIT CARDS. DUE TO IDENTITY THEFT THEY WERE NOT HELPING. I WAS NOT NOTIFIED AT ALL IN ANY TIMELY MANNER BY EMAIL/PHONE/USMAIL THAT A LATE PAYMENT WAS IN EFFECT/GOING TO HAPPEN. THERE WAS NO CONTACT WITH ME AT ALL BECAUSE THE BANK WILL NOT UPDATE MY CONTACT INFORMATION AT ALL! THIS IS A VIOLATION!!!

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 2021-05-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2021 I paid XXXX dollars to XXXX XXXX  credit card. I paid XXXX  XXXX credit card and XXXX XXXX bank credit card at the same time ( both full payment, 0 utilization ) Based on the successful payment to credit card, my credit utilization should be updated and credit scores should be increased by three credit bureaus [ XXXX, Experian and, XXXX  ] ASAP.

But three credit bureaus act slow and maintained wrong amount ( credit utilization rates )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2021 I paid XXXX dollars to XXXX XXXX  credit card. I paid XXXX XXXX credit card and XXXX XXXX bank credit card at the same time ( both full payment, 0 utilization ) Based on the successful payment to credit card, my credit utilization should be updated and credit scores should be increased by three credit bureaus [ XXXX, XXXX and, Equifax ] ASAP.

But three credit bureaus act slow and maintained wrong amount ( credit utilization rates )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Financial Credit Service, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
For the past two years or so I've repeatedly been called by people about owing money, they usually say I need to call back or that direct action will be taken or I need to call and review my account or they will take some kind of action against me. I dont respond to their voice mails and the times I've answered I hang up when I find out what they are about. They've called from multiple phone numbers. 

I recently received a letter ( by mail ) that provided a name, address and phone number for the company that is behind this. 

This letter is from Assett Recovery Associates, XXXX XXXX XXXX, XXXX XXXX, IL. XXXX. 

It claims I owe them {$12000.00}. It says I have until XX/XX/XXXX to respond ( the same day i received the letter ) or else they will be forced to take whatever action is necessary and that my credit history will be reviewed. It ends by stating " we believe you have an important decision to make at this time. '' I talked with a lawyer who said under no circumstances should I write or call them and I need to file a complaint because the debt they are claiming is out of date by over 20 years and they are threatening my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
My credit was ran without permission nor was I told. These are unauthorized and I have been fighting with them and credit companies, XXXX is the only one that removed information. I have been fighting this since last summer 2017 and also the cable company ran my credit and was told that it would be a soft hit and that is not the case.

Company response to consumer: Closed with explanation