BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for an HSBC checking account because they promised a {$450.00} bonus. I met the requirements, but the 8 weeks came and went without the bonus being paid. I contacted them and said " what's up with that?! '' and they told me I didn't open the account " through the campaign landing page ''! Oh no! A total complete lie! I 100 % did open it though the campaign landing page! Thank goodness I saved PDFs and HTMLs. ( Side note : It is mighty suspicious that the bonus code does not show up anywhere in the application as a text field. Other banks have the code show up somewhere in the application ... for obvious reasons. ) Also, other customers have complained online about HSBC l-y-i-n-g to them and making this exact same excuse to them! Wow!

Anywho ... I'd like my {$450.00} bonus now. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2021 Capital One rejected my application for an extension of credit, which I extended to them via my open end credit plan ( Social Security Card ) this is a clear violation of my rights as the original creditor pursuant to 12 US C 1431, I responded to the denial and Capital One responded in the same fashion, with a letter that did not address the matter at hand. I then sent the another letter detailing the violations of federal laws that they ( Capital One ) has committed against me and they outright refused to address the issue pursuant to Federal Law. Their responses fail to address 15 US C 1681m violating me the original creditor pursuant to 15 US C 1602g. The evidence will be attached, which are my attempts to rectify this situation amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home with XXXX XXXX XXXX bank in 2012. They sold my mortgage to Carrington Mortgage company about a year ago. I have always paid more than the amount of the note when I pay my mortgage with the understanding that the extra money be applied to the principal on my mortgage. In XXXX Carrington misapplied the additional funds that I sent and applied them to the following month payment. I called them about this and they attempted to correct it but they didn't do it correctly. The same thing happened in XXXX. This time I wrote them a letter. They sent back a form letter promising to correct it by XX/XX/XXXX. They did not. Then, in XXXX, they did the same thing. This time I sent a certified letter. They sent a form letter ( identical the the first response except for the date ) promising resolution by XX/XX/XXXX. I am refinancing my house. Carrington 's errors have resulted in an over charge of interest and escrow money of approximately {$1000.00} to my account. I need their errors corrected and an ACCURATE payoff on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$14000.00} on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was stolen and I was covered by insurance with XXXX. I have attached a copy of my insurance and I have also attached a copy of the Incident Report ; XXXX XXXX XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2023-01-21
Company: Experian Information Solutions Inc.
State: NY
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:
I XXXX XXXX never gave ( Experian ), any verbal or written consent to report anything on my Consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following Circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

18 U.S. Code 1028A Aggravated identity theft ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
None of these companies have lawful authority to put any account on my consumer report. 

All accounts list below must be deleted! 
I research these are Violations under the fCRA, I Found out identity theft happens every day, as a consumer I never benefited from the goods received from these fraudulent accounts. 

15 U.S. Code 1681c2 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! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Thank you.

Each one of these accounts need to be deleted immediately!!!

List each account here along with the full name of the account and it's account number XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Once again, all accounts above shall be blocked and deleted from my credit file immediately! 

This will be forwarded to the Consumer Financial Protection Bureau, I will also notify my attorney generals office as well. 

Sincerely, 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 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2019-06-10
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I write you on an issue that Im having with Santander Consumer USA financial institution on auto loan established on XX/XX/XXXX at {$18000.00} not to include the interest involved. Just this past year of XX/XX/XXXX from XX/XX/XXXX to  XX/XX/XXXX I was behind on the auto loan three months and twenty days the most leaving the car in repossession status. In the month of XX/XX/XXXX on the XX/XX/XXXX the car was repossessed I notified Santander Consumer USA which to hear the vehicle was in its possession, I was also informed what I need to pay in order to gain back possession of car. Now I want to inform you that the car was repossessed before in the year I believe XX/XX/XXXX and was able to gain back possession of vehicle at agreed dollar amount which later led to a so call modification agreement of loan XX/XX/XXXX at {$5000.00}. But after the repossession in XX/XX/XXXX I inquired of both principle/payoff balance on the auto loan at $ XXXX/ {$4000.00}. I was inform on the XX/XX/XXXX the {$2600.00} was need to give car back in my possession but on the XX/XX/XXXX I was told I had to pay {$2900.00} covering delinquent charges on auto loan, interest, and repossession charges. I paid the {$2900.00} on the XX/XX/XXXX with credit card afterward was told after payment is processed balance of loan will be adjusted on account. Now monthly payments was still be given ranging from {$300.00} to {$280.00} a month onward although the monthly agreed note is {$280.00}. I do recall in XX/XX/XXXX calling Santander Consumer USA disputing the payoff balance at {$1200.00} and claiming they havent yet charged the account the towing charged which led into another dispute, because after Santander Consumer USA repossessed the car on XX/XX/XXXX over ten days have already passed when I respond with the payment needed to gain back possession of the car. The auto loan has already been paid off and what on the account is the claimed towing charge of {$790.00} but someone ( s ) within Santander Consumer USA is manipulating the account by seeking false financial gain as it hold title to car. So I ask for your involvement to prevent future hassle as I see inaccurate balance change to account after paying {$190.00} on the XX/XX/XXXX bring the {$790.00} to {$590.00} which Im not seeing that balance reflecting the payment. The truth of the matter is I struggled to get to the end of completing my payments with Santander Consumer USA and someone ( s ) within the business sees this but seeking false financial gain is not the way to do business with the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: PA
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 had my credit pulled for a vehicle loan. In my report there was a delinquent payment being shown on a XXXX credit card from XXXX and XXXX XXXX XXXX. I disputed this with Experian, and also contacted XXXX. Experian did not fix the error, and XXXX claims to have no history of my account EVER being delinquent. Experian claims that they investigated this, but if they had, XXXX would have shown them that there is no delinquencies on my, now closed, credit card account. It would actually show that XXXX returned to me an overpayment of XXXX XXXX, when this account was closed. Therefore, my credit was negatively impacted over a fraudulent report from the credit bureau.

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 2022-01-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I recently traded my vehicle in back in XX/XX/XXXX. At the time i had a fraud alert on my equifax report and they could not pull my credit at the dealership. I contacted Equifax customer care and the freeze was removed. I was still having some issues with the dealership pulling up the report so i was told to allow 24 hours and they will be able to pull my report. I waiting it out and went back to the dealership the next day and it was still not able to be retrieved, we reached out to equifax several times and every rep stated they see no freeze or fraud alert and everything is ok. My dealership was able to get me financed with this issue still in play. So now i notice when i check my credit report, my equifax score is not updating. The score is still on XX/XX/XXXX. Also my new car is not on my equifax report, but they are on my XXXX and XXXX. My recent car payments has really made a change in those scores and are exceeding the score that is showing with Equifax. You can see the Car inquiry from the car dealership on XX/XX/XXXX but my car is not on the report. Its hard to get through to equifax and its hard to get a representative that understands. I have not had any issues with XXXX or XXXX, My scores are going up thank God to my payment history and i see them change on a regular bases. But not my Equifax. I notice a lot of companies now are using the Equifax score to approve you and i really need help to resolve what is going on them and my credit profile. I login into my Equifax profile on equifax.com and it still on the same information from XX/XX/XXXX. No current report as if i dont have credit. Im not sure what is going on. I am trying to get my credit up so that i can possibly soon purchase a home and other goals i have and i dont want this to have an impact on me getting approved. I have attached my XXXX XXXX view of my equifax and my actual equifax.com view of my credit profile. You can see On XX/XX/XXXX. My credit profile and information was there. And look at the one with todays date XX/XX/XXXX, it shows not personal information or credit profile. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent my identification along with proof of address online and by mail to all three credit bureaus. They have wrong names and addresses on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, 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:
To, Equifax Fraud Department Re : Identity fraud victim These credit file or report inquiry was caused by unauthorized use of my social security information and card, to whom it may concern. I did not give my consent for these inquiries to be made in my name, and neither do they pertain to anything I did. All of this is unknown to me. In accordance with 15 U.S. Code 1681c-2, REMOVE this information no later than 4 days after getting this letter. This letter was not sent inadvertently or in mistake. To ensure that this is deleted within the specified time period, your business must adhere to the correct procedures. 

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXXXXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX we purchased a XXXX XXXX XXXX  with a loan through Wells Fargo in the amount of {$45000.00}. On XX/XX/XXXX I made the first payment in the amount of {$760.00} which is the amount we have paid up throughout our loan. We have never been late until XX/XX/XXXX at which time I contacted Wells Fargo auto loan customer service to discuss our financial issues and make our payment. They deferred our payment XXXX  XXXX XXXX  and moved our due date to the XXXX of each month. They collected my payment of {$800.00} which included a late fee in the amount of {$38.00}. On XX/XX/XXXX we logged onto our online account to make our payment and noticed the breakdown of our last payment on XX/XX/XXXX with a principle/interest amount of {$720.00} and a late charge of {$38.00} which equaled out to our regular monthly payment of {$760.00} and then they had a secondary late fee in the amount of {$38.00} which brought us to the payment of {$800.00} that we paid on XX/XX/XXXX. We contacted the Wells Fargo auto loan customer service to ask for a breakdown of our bill and discuss our concerns with them on the matter that they seemed to be charging us a late fee every month which came to be a total amount of {$760.00} not including the amount of interest this has accrued and they assured us this was not the case and that it was a problem on their part and that they would contact us when they looked into it and resolved the problem. On XX/XX/XXXX we logged into our account to make our payment after not hearing back from the bank or receiving the breakdown that we had asked for and saw that our current payment due was {$720.00} with a late charge in the the amount of {$38.00} which brought us to {$760.00}. We also noticed that they had credited our account {$760.00} on XX/XX/XXXX and an interest adjustment in the amount of {$370.00} on XX/XX/XXXX. We contacted customer service once again for an explanation at which they could not provide XXXX and they would put in an XXXX complaint on the matter. On XX/XX/XXXX we received a letter in the mail stating that we accrued a late fee in the month of XXXX but no other months and that the issue was resolved.

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 2022-02-22
Company: Avant Holding Company, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My indigo XXXX had a fraudulent charge on it I looked up the website that was on my mobile app and it was the same one they got me today quick performance active or creative not sure you tell the website and they say its a scam we get calls all the time and theyre ruining our business they call me back to have me help them or their lieing either way my indigo card they were supposed to cancel and send me a new one three weeks max I never got the card a month and a half or so more later but kept getting even the bills and they were different and then they would be more and then I would call and then they really go thats not right let me talk to my supervisor and then they would hang up on me or they keep me on hold so long that I had no choice in the matter of XXXX weeks simple disputes hey can you please block this from ever happening again you see this charge from this place dont let it go through I dont know how its happening but my credit score was a XXXX and now its at XXXX and they want me to pay them because I canceled the account. And theyre trying to get me for the car and I had prior and the car to head after but never came thats for indigo platinum XXXX with the three hundred dollar limit from XXXX XXXX I have no problem paying them but I dont trust them especially since I just got a new bank with the credit union and I dont want to have that information compromised because Ive been getting financially ruined due to these cards and I were to know if yours to get my credit score up and then just have a drop because somebody doesnt want to do their job right or theyre overwhelmed or whatever but I have evidence to prove everything and I dont think me wanting to give them my new bank information because I dont trust them XXXX out of the ordinary request Ill pay them with a prepaid card thats not an option they said do you want to bank and routing number its not fair Im about to quit and give up! They should both consider the counts paid in full Theyrecord all phone calls And I had information and I wanted to see if they had up-to-date information and they didnt if I was to close my account The day would it cost me an extra 60 bucks ive been unemployed since XX/XX/2021 but I still manage to pay all my bills {$2500.00} a month by myself I work too hard to have people like this not care

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I am writing today in regards to my account with TD Bank NA  account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to XXXX. As soon as I was able to I reached out to TD Bank to let them know that I was unable to make that payment because I was sick with XXXX and I got the account caught up. Due to this being XXXX   related the rep notified me that they will look into having the late mark in XX/XX/2020 updated to paid as agreed or not reported and have not heard back from her. 

.

Company response to consumer: Closed with explanation