BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Their application process is broken and poorly ( perhaps deficiently ) disclosed. As an initial matter, my spouse and I have credit freezes in places ( who doesn't post XXXX  and all the other breaches ). After ( emphasis on after ) applying, we are told that our application is rejected and we need to lift our the freezes in order to apply. 

Why HSBC is using CRA reports in the first instance for a product where they aren't extending credit ( assessing default ) seems problematic. What happened to the XXXX  reports for banking account verification. Moreover, we did not recall seeing any disclosure regarding CRA reports, nor on double checking was there any mention in the terms & conditions of the product landing page that they would pull CRA reports. If HSBC is going to pull reports -- say so unequivocally upfront and tell people to lift any freezes. 

We lift the freezes. We apply again on XX/XX/XXXX, and go through the whole rigmarole including upload proof of address ( internet utility bill ). This time the application accepts as pending, and they initiate trial deposits on XX/XX/XXXX to verify my existing bank account info, which we verify. Then on XX/XX/XXXX, HSBC again declines our application : " because were unable to verify the address of the applicant ''. This is odd as we submitted substantiation of our address.

We call, and after speaking with 3 or 4 people get to the appropriate team and ask was there some issue with the upload -- did you want a bank statement or pay stub instead? No, it was an issue with your CRA reports -- something -- can't tell you what -- did not match. Please call them and fix *something* with your CRA reports and try again. Very helpful. 

So the HSBC is saying we've received your proof of address, we've verified your existing bank -- in order words you are who you say you are -- but no dice opening the account ( because of some undefined/undescribed issue with your CRA reports that ( as far as I can tell ) we didn't tell you we were going to pull ). 

As a further note, HSBC 's decline email did not reference the CRA reports. The email did not say that HSBC relied on such reports nor provide any disclosure as to which CRA should be contacted to resolve this issue. Our impression was that there is some obligation to disclose this to the applicant/consumer in such situations ( but perhaps this scenario does not fall within the FCRA? ), but leave it to you all to confirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Block, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
So on XX/XX/2022 I tried to deposit a check via cash app, however the check failed to deposit so I took it to XXXX and cashed it there! Cash app then put a negative balance on my account in the amount of the failed check claiming I attempted to deposit a check twice which did not happen. I have since contacted cash app support team and they have ignored my claims and refused to help me resolve this issue! I have all documents showing the funds were not added to my account yet they refuse to remove the negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Experian Information Solutions Inc.
State: NC
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:
I have the Experian credit monitoring service and several accounts have been paid off, payment history improved but I credit score has NOT changed I received emails from Experian saying dispute resolved but when I look at my file there are no changes to the disputed items Experian fails to provide a valid reason as to why this is happening all other bureaus report the account changes as well as credit score changes Also there are inquiries appearing on my credit report that are updated yet Experian fails to remove they are over 2 years old

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 2023-07-07
Company: Consumer Adjustment Company Incorporated
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have provided updated information regarding this false account on my credit report that this debt collector requested. I'm aware that this is all that's needed to process this false account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account was Closed/ Write-off in XXXX and removed from my credit score. Capital One has now turned around reopened this account and put it back on my credit report with a different date and different collection company. I I have not has a credit card with Capital One at any time in XX/XX/XXXX. This is false and extremely hurting my credit score. I have not ever received anything in the mail from Capital One saying I owe them anything or borrowed {$430.00} from them in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions 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:
The following inquiries were to be removed after 2 years yet they are still reporting. Please remove the following inquiries immediately : XXXX XXXX XXXX XX/XX/2021 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 2020-07-19
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good morning, I arrived in the USA in XX/XX/XXXX and I immediately applied for an insurance trough Healthcare.gov ( XXXX  ) but unfortunately I couldn't apply till XX/XX/XXXX. So I decided to renew a traveler health insurance that I had in order to be covered. In XXXX I had an accident ( a XXXX XXXX XXXX  and I went to the Hospital. I gave them all the information about my insurance and I was cured. In XXXX I obtain an insurance with the Healthcare ( XXXX that is my insurance provider ). Few months later I received a bill for the entire amount from the Hospital and I call them several times in order to collect the money from my insurance. I absolutely don't recognize the debt because I was fully covered by an international insurance and I can not be responsible for the hospital accounts receivable.. I'm not a collector. In XX/XX/XXXX I moved to XXXX so probably all the communication arrived in XXXX where I was living a couple of months. I was a credit officer in XXXX and I moved here in USA to have a better future for me and for my family. My credit score was excellent ( XXXX ) and I decided to buy a house because I had finally a good credit score and I was working for an international company for more than one year so I had the requirements to apply for a mortgage at good rates. Yesterday I received a notification ( from XXXX  ) that I had a collection account. My credit score dropped by 83 points to XXXX and it's for a debt that is not due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I reviewed my credit report on XX/XX/XXXX and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX  XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX I demand that these things be investigated and removed from my report in accordance with the provisions of the Fair Credit Reporting Act. It's my understanding that you'll double-check these items with the creditor who uploaded them. Please eliminate any information that can not be verified by the creditor. I realize that you must finish this reinvestigation within 30 days of receiving this letter under 15 U.S.C. Sec. 1681i ( a ).

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, 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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-07-06
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DEBT COLLECTOR IS A THIRD PARTY TRYING TO COLLECT MONEY THAT WAS RESOLVED/PAID WITH A XXXX & PAYMENT LETTER WITH XXXX  XXXX # XXXX, XXXX  # XXXX, XX/XX/2022. I DO NOT HAVE A SIGN CONTRACT WITH THE DEBT COLLECTOR JEFFERSON CAPITAL NOR XXXX, XXXX  AND THEY WERE PAID INN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: CORELOGIC 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:
Tried contacting all credit bureaus to have unauthorized inquiries. They were not willing to help me removed them until I receive a document from the FTC

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 2020-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Credit bureau calculations when educational loan is paid off two months early. The score dropped 78 points. Im working hard, paying my bills, and watching my financial health. 
Consumers have the right to know the metric of the three major bureaus use. We have a right to know the triggers that have been set in their systems to increase or drop the consumer numbers. This data impacts everything. There should be more visibility into the process by consumers, transparency builds a great foundation and educates the people being judged correctly or incorrectly. 
I trust government oversight, as a public servant myself, I just want fair reporting and not be penalized for paying off accounts with firm begin and end dates. The system needs an overhaul.

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 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/2023 I attempted to deposit a check for {$600.00} from a scholarship I received from the XXXX XXXX XXXX XXXX XXXX into my Capital One savings account. XX/XX/2023 I tried to make a purchase using the debit card linked to my checking account, but it was declined. I opened my Capital One app to see if I had enough funds, and I did, but there was a message on both my checking and savings accounts that my funds are currently not available for withdrawal followed by a number to call. I called the number, and after waiting for over 10 minutes, tried to explain my situation to the operator. She told me that unless she could verify the transaction with the scholarship foundation, my accounts would remain closed. She attempted to contact the foundation with no success. After this, I asked what was needed to unfreeze my account, to which she replied that the only way she would be able to unfreeze it is if I was able to contact the foundation myself. I asked if in the meantime I could be mailed a check with the remaining balances in my accounts, and she asked why. I replied that I needed to have access to my money ( which was in my account before it was frozen ) and I cant access the funds while my account is frozen. She said that she would not be able to do this. The call lasted over 30 minutes between waiting for an operator and waiting for her to try to contact the foundation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: CT
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 contacted XXXX two times to file a dispute on XXXX XXXX XXXX. My account was settle and closed back in XX/XX/XXXX through their lawyers. Since the account was paid as agree in settlement I have contacted XXXX XXXX XXXX times including today XX/XX/XXXX to request them to update the account with the credit beaurers as the account has been closed and settle. They inform me that the account has already been reported to XXXX, XXXX, and Equifax as account settle for less and closed about two months ago. However this credit companies refuse to update my account and lastly the representative from XXXX  today stated that my account will obligated remain on my credit report as open despite the bank who I borrow from stated the account has been reported as settle for less and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Penn Credit Corporation
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The utility debt is during a time I was not located in the state. I only lived at the address in question from XX/XX/2020 to XX/XX/2020. The utility service was to have been ended and transferred back to the lease holder of the New York apartment. ( I was subleasing and later discovered I was not even subleasing legally. The landlord changed the locks when I went out of town for a XXXX ) I was not informed of the bills stacking until I received a collection notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: Experian Information Solutions 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:
XXXX , XXXX has made three ( 3 ) illegal, invalid, erroneous, and unauthorized hard inquiries on my credit which has damaged my credit score. 

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX , XXXX Made on : XXXX Made with : Experian Made by : XXXX , XXXX Made on : XX/XX/2019 Made with : Experian Made by : XXXX , XXXX Made on : XX/XX/2019 Made with : Experian I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I request that after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

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 2023-07-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They allowed my Xhusband to remove me from the deed, but keep reporting to my credit. Then they keep letting him advance on that loan without my knowledge. It's destroyed my credit. Maxed out my debt to income ratio as well. I literally can never get it off because they allow him to keep pulling from the equity on a loan that doesn't just affect him. I have had to pay thousands and thousands of dollars in extra interest when I purchase things because of it. Not to mention what this is doing to my credit score and stopping my ability to advance in a career in the financial industry. I have worked in this field for 25 years and I have never heard of this happening to anyone else.

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 2021-06-30
Company: Experian Information Solutions Inc.
State: OR
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:
XXXX XXXX XXXX This account was settled and paid on XX/XX/2021 however they are still reporting the balance of {$74000.00} on my credit report. It has been more than 60 days now. The balance needs to report as XXXX or have the account deleted 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 2020-07-19
Company: BROKER SOLUTIONS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Horrible experience! New American Funding caused us to lose XXXX in opportunity cost on a failed refi, and 4 months of heart-ache. Dont be fooled by advertised rates or promotions. RUN AWAY and use a local lender! 

We initiated a cash-out refinance in XX/XX/2019. We had a deadline of the end of XXXX because of new purchase that would be closing at that time. We communicated our situation to the loan officer (  XXXX XXXX ), and they said it would be no problem closing in time. Suffice to say, their incompetence delayed our refi closing. We even signed closing papers and then they never funded the loan! 

We have a log of over 20 phone calls ( hours and hours of wasted time ), several mistakes and outright lies. Half way through the process my loan was transferred to a manager ( XXXX XXXX ) because of all the issues we were having, but things didnt get better, they actually got worse! 

What they told me on the phone, never matched what they sent in writing. We nearly were not able to complete our new purchase, and we were never able to complete our cash out refi. New American is refusing to make it right, and now because of COVID, the lending market has changed, and I cant even find another lender to do the refi anymore! 

I called and complained to everyone in the company that I could get ahold of, including a customer service manager ( XXXX XXXX ), who said he would look into our case. Of course, he never got back to me. I am going to report them to the state governance board.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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