BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Affirmative Complaint Against HSBC FOR FRAUDULENT DECHIEVING BUSINESS CONDUCTS- LURING PEOPLE TO OPEN BANK ACCOUNTS FOR THEIR OWN BENEFITS On or before XX/XX/XXXX, we noticed the HSBC bank promotional web advertising Little step, big money with up to {$600.00} Cash Bonus. 
On or about XX/XX/XXXX, we opened the bank account through their promotional website link. 
On or about XX/XX/XXXX, at XXXX XXXX, we called the HSBC bank at XXXX and talked to one of their customer service representatives, XXXX, double checking this account opening promotion. He said to meet any one of the accounts opening qualifying conditions : 1. Balance of {$75000.00} in combined U.S. consumer and qualifying commercial U.S. Dollar deposit2. Monthly recurring direct deposits ( see attached their printed letter page 2 ) and after eight weeks, which is around XXXX of XXXX. 
On or about XX/XX/XXXX, seeing no bonus funds, we made a few calls, talking to XXXX and other customer representatives, and were informed that we needed to wait six months plus eight weeks to receive the funds. It means that they will hold our money till XX/XX/XXXX. Not knowing all these requirements, we had to wait till then. 
On XX/XX/XXXX, at XXXX XXXX, again not seeing anything, we called and talked to XXXX and XXXX. They told us that they would talk to their back office and investigate this matter and called us back. 
On XX/XX/XXXX, not receiving any calls from them, we called at XXXX XXXX. We talked to a lady, XXXX, and were connected to XXXX. They said this issue had been resolved and we would see the bonus in a few days. 
On XX/XX/XXXX, at XXXX XXXX, still not seeing anything, we called and talked to a person named XXXX. He promised to check and call us back. 
On XX/XX/XXXX, received no call from them, we called and talked to Ms . He at XXXX XXXX. She said she would talk to the people in the back. We gave her what we had got from their rep. XXXX. She said XXXX was no longer working there. 
On XX/XX/XXXX, we called again and talked to a persona named XXXX. She denied all and said we must do direct deposits to be qualified. 
We want to file this complaint and believe that it is serious fraud and deceit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I paid Bank of America {$34.00} in XX/XX/XXXX to put a permanent stop on a payday loan company, ( I made sure to clarify that there was NO WAY after I paid for a stop, that this company could take any funds from my account ), then in XX/XX/XXXX, ( 5 months later ) the bank allowed a charge for {$300.00} from the loan company to pass through my account, overdrawing my account. I called Bank of America immediately, ( while the charge was still processing ), their representative assured me that indeed the stop I had paid for was active AND COULD NOT BE REMOVED without my formal consent. She said the charge would NOT go through, and it would drop off, she made it very clear that Bank of America would not pay the charge that was processing, and that I need not worry. The next day the charge processed all the way through to PAID. I call back, Bank of America transferred me to their claims department where the representative informed me that an error had been made clear back in XXXX. She said the original representative who put the stop on the payday loan company had neglected to place the stop on both the debit card as well as the ACH. At that time I was again assured that I had paid for the stop to be put on the payday loan company, so I had nothing to worry about. She started a claim, and put a credit into my account to replace the money that was taken from me without my authorization. I thought this was a really bad experience, but people do make mistakes, so I was just glad it was resolved. Then in XX/XX/XXXX I received a letter in the mail stating that the credit they issued would be reversed and that I would have to pay {$300.00} that the bank mistakenly paid to the payday loan company. When I called claims back they ask me if I authorized the loan company to debit my account. I said no and I paid to put a stop 5months ago. And, then they wanted to know if I informed the payday loan company. I said yes, I had informed them. The representative said, o.k. I will tell the investigator assigned to the claim. Then a couple of days later the bank charged my account {$300.00}. I guess Bank of America does not take responsibility for its employees errors.

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 2022-02-19
Company: DISCOVER BANK
State: GA
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:
I, XXXX XXXX, a consumer and customer of this financial institution, have a right to privacy pursuant 15 U.S. Code 1681a ( a ) ( 4 ) and 15 U.S. Code 1692 ( a ) as it speaks on my individual right to privacy. My private information regarding this account has been furnished without my lawful authority or my written consent. I am aware that my written instruction is needed to furnish any information to a consumer reporting agency. No lawful authority or written consent constitutes Identity theft in accordance with 15 U.S. Code 1681a ( q ) ( 3 ) and similar to REG V 12 CFR 1022.3, which is a fraud committed or attempted using the identifying information of another person without authority. I have not given my written lawful authority for this information to be furnished. 
I am aware that in accordance with the Gramm-Leach-Bliley Act, I, the consumer have the right to know where and how to direct disclosure of my nonpublic information and should have been given an explanation of how to exercise that nondisclosure option. I have not received such an explanation. 
Please provide the written instructions that I, the consumer gave to Discover which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice, this has been a fraudulently made consumer report using my identifying information and account DISCOVER BANK XXXX must be deleted from all consumer reporting agencies immediately. 

This is my written instruction to opt out of credit reporting for this account. If my instruction to opt out of credit reporting can not be honored, I request a statement on your companys letterhead signed under penalty of perjury stating why it can not. 

I am aware, the making of any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15 U.S. Code 6821 such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to 500,000 for a felony by an organization or imprisoned for 5 years or both. 

Sincerely, XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1300.00} - I was never late ... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate ; XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$740.00} - I was never late on this acct. It was paid in full.. Creditor agreed to remove all negativity. Please review file for all inaccuracies. Please verify it is not untimely, inaccurate, unverifiable or incomplete. Please remove negativity ASAP. 

Lastly, this accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need this corrected at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: MD
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 originally had XXXX fraudulent derogatory marks on my Equifax credit report and XXXX fraudulent derogatory marks on my XXXX report from the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. My insurance provider covers my visits to the XXXX Associates of XXXX and I have never gone to XXXX XXXX XXXX XXXX. I disputed the mark from XXXX XXXX XXXX in XXXX with Equifax and it was briefly removed but then put back into my report after some time. I have been disputing the XXXX XXXX marks with both Equifax and XXXX from XX/XX/XXXX until XX/XX/XXXX with no success. Every time the marks where removed from my credit report, they have been inputed back in for the same number of marks and amount by XXXX or for double the amount and have increased the original XXXX derogatory marks to a total of XXXX derogatory marks by Equifax. I have spent a lot of time and effort trying to dispute these fraudulent marks for several years online and over the phone, each time the marks would be removed and then added back in some time later. The most recent action I took was in XX/XX/XXXX, but the marks were recently added back in by both Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
RESPONSE TO OPEN COMPLAINT # XXXX. 

ProCollect lied in their response to CFPB. 

Today, XX/XX/2021, they left another voicemail, one more in a long series of phone calls and voicemails. In the voicemail, they stated the following : " This is a personal business alert for XXXX XXXX. If you are not XXXX XXXX, please hang up at this time. This message contains private information and should not be played in a manner which can be heard by others. This call is from ProCollect. This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. Please call XXXX. '' I conducted a search on the company and the phone number and discovered that there are many complaints which have been lodged against it for making fraudulent phone calls, leaving no information other than those similar to the statement above.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under the Fair Credit Reporting Act ( FCRA ). As a consumer, I believe that your organization has violated my rights as stipulated in the FCRA, specifically under 15 USC 1681 Section 604 ( a ) Section 2 and 15 USC 166b.

15 USC 1681 Section 604 ( a ) Section 2 of the FCRA outlines the permissible purposes for obtaining a consumer report, restricting access to an individual 's credit report to those with a legitimate and lawful reason. This provision is in place to ensure that sensitive credit information is only accessible to entities with a valid need, such as creditors, employers, insurers, and landlords. Any unauthorized access or use of my credit report may be deemed a violation of this provision.

15 USC 166b is a significant part of the FCRA and sets out requirements for obtaining and using consumer reports for employment purposes. This section aims to protect the rights of consumers, particularly when it comes to their employment opportunities. It obligates employers to adhere to specific guidelines when requesting and using consumer reports for employment screening purposes. Violations of these guidelines can result in a breach of a consumer 's rights. 

I believe that your organization has infringed upon these provisions of the FCRA by treating a payment as late. 

I kindly request that you investigate this matter thoroughly, rectify any errors, and take the necessary corrective actions to ensure compliance with the FCRA. It is vital to protect consumer rights and maintain the integrity of the credit reporting system. 

Please provide a written response within 30 days of receiving this letter, explaining the steps you have taken to address this issue and any remedies or corrective actions you plan to undertake. Additionally, I request that you furnish me with any documentation or information related to this matter. 

Failure to address this issue within the stipulated timeframe may compel me to take legal action to protect my rights under the FCRA. I hope it does not come to that, and I trust that we can resolve this matter amicably and in accordance with the law. 

I look forward to your prompt response and a satisfactory resolution to 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 explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: NY
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 a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: NJ
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 credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: CREDIT ACCEPTANCE CORPORATION
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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-06-20
Company: Experian Information Solutions Inc.
State: MD
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:
Experian is reporting the following accounts on my credit report. I haven't received any disclosure statements or any debt validation letters. Experian has sent a generic letter stating been verified. Experian has continued to violated consumer laws by not using the proper procedures 15 USC 1681D. XXXX - Amount : {$1200.00} XXXX - Amount : {$1500.00} XXXX - Amount : {$1300.00} XXXX - Amount : {$1700.00} XXXX - Amount : {$690.00} XXXX XXXX - Amounts : {$5300.00}, {$19000.00}, {$8900.00}, {$36000.00}, {$10000.00} Self - Amount : {$520.00} XXXX - Amount : {$29000.00} XXXX XXXX. XXXX XXXX - Late payment XXXX XXXX XXXX XXXX XXXX XXXX - Amount : {$2500.00} XXXX XXXX XXXX - Amount : {$320.00} XXXX XXXX XXXX XXXX XXXX - Bankruptcy

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 2021-11-12
Company: EQUIFAX, INC.
State: FL
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: AES/PHEAA
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:
Some of these loans do not belong to me and should not be reporting to my credit. XXXX advised that the incorrect information will be deleted and my credit report will be updated, but there are still loans that don't belong to me for years causing my credit score to suffer. I have contacted the department of education and XXXX but since they are closed im finding there is a significant delay with verifying this information. XXXX did lots of fraudulent loan applications and i never received some of the monies reported. Please delete this information until it can be reported to my credit report 100 percent accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
the date they have as the opening date of the account is wrong, they indicated that i had the debt in XX/XX/2014 which was wrong, it was way before that and they refused to send the copies of the documents i signed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
These uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$450.00} ; XXXX XXXX XXXX Balance : {$2100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA these unverified and unauthorized accounts must be removed. All dates were XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation