BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Dear Officer-in-charge, I am involved in an investment/romance scam. The criminal groomed me to invest in an investment scam, thats when I borrowed XXXX {$300000.00} from the various banks, friends, and insurance companies to invest in this investment scam, it was after I invested in it, I find out it was totally fake. ( Basically, he proved a link to a clone app, which I clicked on ) I thought it was a genuine app, but after investing XXXX {$300000.00}, I later find out this app was cloned to impersonate the real app, as I couldnt log in to see my investment. Ive already lodged a XXXX police report and reported this scam, Report No : XXXX and have advised me that my bank should help me regarding this unfortunate matter. Looking forward to hearing from you.

1. Grooming started on XX/XX/XXXX via XXXX 2. Asked me to buy Bitcoins from the local cryptos via http : XXXX ( scammer made their own fake trade app ) 3. Then ask me to install this app on my smartphone so that I can trade Bitcoins, ( this app was given to me via a link, http : XXXX this was a cloned version of the XXXX trading station app. It was after Ill install the app and try to log in, nothing of my investment was there. 
The following details below are all the transactions involved in the scam : HSBCBank ( XXXX ) XXXX. 
Address. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
SWIFT Code, XXXX. 
Beneficiary account number : HSBC ( PERSONAL ) XXXX Beneficiary Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Experian Information Solutions Inc.
State: TN
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 graduated from my XXXX and XXXX program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX ). Afterwards, I was in financial hardship for a year until XX/XX/XXXX but XXXX serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted XXXX in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XX/XX/XXXX and XX/XX/XXXX for XXXX for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to XXXX in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX, my deferment ended in XX/XX/XXXX. But XXXX refuse to take actions to correct this issue.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-03-02
Company: Blackhawk Network Holdings Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
in a previous CFPB case, XXXX Blackhawk said I activated this card and agreed to the terms and conditions of the card. I never did. please provide proof I agreed to the terms because I never did. 

There is evidence on various forums such as XXXX  that XXXX  is blocking debit transactions at merchants that code as grocery in an effort to block manufacturing spending which is completely legal I wish to have a check for the balance. XXXX  is playing dirty here

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a debt removed because it was not mine. It was added back to my account a few months later. I spoke with Citi Bank about this card not being mine, and they informed me that I do not have a debt with them or an account. The Debt is over {$7000.00} and Citi Bank has already stated I have no debt with them. This item is supposed to be removed and still has not been.

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 2019-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been trying to get capital one to send me a letter to send XXXX  to delete a credit inquiry from my report that I never authorized or have no knowledge. they keep sending me the same paperwork in the mail. I send back I been trying to take care of this since XX/XX/2019, capital one inquiry was made on XX/XX/2019. I have called over a dozen time never get any help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid {$41.00} for a minimum payment on XX/XX/XXXX and {$47000.00} for tthe whole posted balance on XX/XX/XXXX for XX/XX/XXXX XXXX, which has {$400.00} of a new balance due XX/XX/XXXX. But I was charged {$8.00} for " interest charged to standard purchase '' on XX/XX/XXXX XXXX ( see my XX/XX/XXXX and XX/XX/XXXX Statements ). 
I asked them how to calculate their interest charged at {$8.00} for one day delay with the remaining balance at {$360.00} and standard puchase interest rate at 20.24 %. They rejected. I claimed it was a fraud. I attempted to file a complaint in their internal web site online, but XXXX XXXX XXXX does not work though listed there. Their receptionist refused to help.

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 2023-02-13
Company: EQUIFAX, INC.
State: AL
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 declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXD Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called Experian and sent my driver 's license, social security card with the correct information and they refused to delete the incorrect addresses and fraudulent accounts saying that the address is being reported by the fraudulent accounts. They then proceeded to tell me that I sent correspondence to them with the inaccurate address which I did not. I have only sent correspondence from my correct and accurate address which is on my driver 's license and social security card. So they refused to remove the inaccurate names and addresses after I verified my identity with the correct address information with documentation. I want these inaccurate items removed because they don't belong to me. So please help me remove them. I place a security freeze and opt-out on my accounts with XXXX, XXXX XXXX and XXXX to prevent any further fraudulent information to be reported on my reports and they refused to help me with this matter. When I try to dispute these items online I am told to call and when I call to get the items removed I am told they will not remove them even though I have given them the accurate information several times! Screenshots and documentation 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 2023-06-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the fair credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$10000.00} ; XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: PA
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Every month I pay my Capital One credit card on the due date. However, because I do not pay by XXXX XXXX. CST, I am hit with a {$40.00} late fee. As a result I can not get out of this quick sand of debt. This company is too big to be this predatory. I understand that processing has to have certain timelines, but my other credit card specifically, XXXX XXXX, will automatically refund the late fee as long as the payment is received on the due date, so I know my solution is not an impossible one. I don't mean to sound entitled. I am well aware that I have the option of not using the card, and for a very long time I did not. However, I keep cards for emergencies and something came up where I had to use this card. I regret it, I regret it with every part of me. If I had the ability to pay it off I absolutely would because nothing about maintaining this card makes me feel good to have it in my wallet. If I knew how to go about starting a class action, I would. I hope this gets published so that somebody with that skill set sees it. I have discovered in this life I am usually not that special unusual, and I can not be the only person this is happening to. I would love to be able to pay all my obligations early, but like many people that's not always an option, and this is so discouraging. I paid {$70.00}, did not use the card only to see my balance go up because interest and fees for the month are {$81.00}, and now my monthly minimum payment has increased. So now I have to pay interest on the late fee, and because this has happened to me several months now I don't recall seeing a notice but I'm pretty sure my interest rate has increased or soon will.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: EQUIFAX, INC.
State: IL
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: Public record information inaccurate

Complaint:
The public record reported Had som inaccuracies and the credit bureau Equifax will not remove the information tried to dispute the information tried to dispute in XX/XX/2018 online with Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Ive had 2 loan modifications in XXXX and one in XXXX. The account now shows current but the history still shows 30,60,90+ days past due. Part of the modification process is to bring the account current and Im doing so the credit history for that time was supposed to be updated to show current. Under the laws of the FCRA this accounts history isnt being reported properly and it is adversely affecting my credit and score. Please remediate.

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 2020-02-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I try to log into my chase account to fund my account and was alerted I was locked out due to suspicion activities and to call to get it unlocked I was informed its closing for no reason and it's no one who I cant talk to saying no such thing as a executive and no one will open it back up this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: Nationwide Recovery Systems, Ltd
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am on my XXXX and trying to establish credit so I can eventually get a home for my family. Unfortunately I just started to learn about collections and negative remarks effect. 
I have two medical bills from XXXX XXXX that went into collection via a company of XXXX XXXX XXXX. I have not received much information from it and now I see a balance of {$1000.00} and {$65.00}. I am currently facing some financial hardships and this negative remark is adding a toll. I really need some reconsideration to get ahead some how.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called XXXX and sent my driver 's license, social security card with the correct information and they refused to delete the incorrect addresses and fraudulent accounts saying that the address is being reported by the fraudulent accounts. They then proceeded to tell me that I sent correspondence to them with the inaccurate address which I did not. I have only sent correspondence from my correct and accurate address which is on my driver 's license and social security card. So they refused to remove the inaccurate names and addresses after I verified my identity with the correct address information with documentation. I want these inaccurate items removed because they don't belong to me. So please help me remove them. I place a security freeze and opt-out on my accounts with XXXX, XXXX XXXX and XXXX to prevent any further fraudulent information to be reported on my reports and they refused to help me with this matter. When I try to dispute these items online I am told to call and when I call to get the items removed I am told they will not remove them even though I have given them the accurate information several times! Screenshots and documentation 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 explanation
Consumer complaint received 2019-02-11
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
As per my knowledge I am overpaying my loan al I took the loan was to dorm at the university for 2 years I see loans that I never applied for and I am over paying for it I took two loans and I am paying for 7 different loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a collection agency letter stating that I was in collection around XX/XX/2019. Contacted the agency to notify them that the debt was not mine. They asked that I send them documentation of where I lived and why I believed this debt was not mine. Sent documentation to them around the middle of XX/XX/2019. The collection agency stated that they had been sending bills to an address in California, in which I have never lived at. I got my credit report and come to find out, someone had opened a credit card under my name and now I have a no payment collection on my credit. A police report and a FTC have been filled. The collection agency has not provided proof ( signed statement, video, or receipts ) to me even though I have requested this information. They continue to call me, send letters, and threaten to ruin my credit which they are - they have placed that debt under my credit report. I have submitted all the documentation to the credit bureau and is pending an investigation. The calls are none stop and so are the letters.

Company response to consumer: Closed with non-monetary relief