BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On or before XXXX XXXX I lost a folder containing my Credit card, a Copy of my Passport, and Copy of my XXXX to XXXX. During this time my folder was missing, someone used my Credit Card to make purchases. I did NOT make the purchases nor did I authorize any purchases to be made. I contacted HSBC once I noticed the card was not in my possession and that fraudulent charges have been made. I have had to repeatedly call them and tell them what has happened.. The very 1st time I contacted them I told them my card was missing.. They rejected my claim because they said that my card was present during the transaction. I did not have possession of my card when I called to tell them it was missing. I have been getting the run around with HSBC. They are now calling me to make payments on charges I did not do or authorize. When I Call HSBC they say they are recording the call.. IF they are doing so then why are they getting the story mixed up between themselves? I have done everything that they asked of me. I have went to the police station to get a police report, In which I was told I could not do so because I lost my card in another country. I informed HSBC of this. Then they told me to contact merchants that I have never been to gather information for them. I immediately did so and contacted HSBC afterwards. Every time I call HSBC they seem to bring up new things to NOT rectify this situation. They speak to me as if I never spoke to them before about this Issue. I am constantly repeating myself and I am Not sure if they are selective in what they want to hear or if they just dont care. I am now getting calls to make payments on transactions I know nothing about. HSBC is acting very unprofessional. I havent received any letter from them pertaining to any investigation or anything about my claim.. However I have received Bills and Numerous calls about making payments.. This is not fair at all. I have had to call them numerous times to see whats going on. Its like after I filed my Claim they just forgot about me..I didnt get any info about my claim. However I have received a bill, and fees for lates payments for transactions I Know nothing about. I want to know whats going on and how we can rectify this. What did they conclude? What notes they have of our conversations together? Why my claim was denied? Whats going on?. This is very frustrating. I have done Everything they ask of me. HSBC seems to not want to help its customers. I need Help with this issue. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: LA
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: Problem with personal statement of dispute

Complaint:
My payment history reflects missed payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These payments were missed due to my diagnosis of the XXXX XXXX, which placed a burden on my health and finances for the year XXXX including having to attend XXXX XXXX 

Since then, I have paid my account balance down to {$0.00}. This company refuses to remove the late payments sustained as a result of XXXX. Although this company is not obligated to forgive any of my discrepancies, as a consumer I expected a little bit of leniency while facing the epidemic.

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 2023-02-17
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen on XXXX. One of the resulting charges was for a Home Depot not even in my state. I filed, contacted each company and worked all this out. Now XX/XX/XXXX XXXX is calling telling me I owe this debit and they've been hired to collect it. They, a woman named XXXX, said I owed {$2400.00} to Home Depot from XXXX. I explained to her exactly what happened and she said " these people have your name, DOB, and social. " I will email the form needed to file fraud charges. '' They have continued to call via recording left on my voice mail that they are trying to collect a debit. I have contacted the company XXXX, Home Depot, who says I've never had an account with them and I'm not in their system, and the XXXX XXXX XXXX XXXX department to file again. I have called XXXX multiple times never returned my calls or sent me an email or letter in the mail. This makes me feel that certain someone is using my identification fraudulently but has started again since recently my bank acct was recently hacked and this is all connected to XXXX XXXX XXXX. I asked for a cease and disisst for calling me and informed of XXXX Complaint, contacting you, put me on your do not call list, and I've filled the police report I believe these are connected and pray for relief. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT

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: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This letter was sent to all theree Credit Agencies XXXX XXXX, XXXX XXXX XXXX ) also the XXXX  XXXX for XXXX XXXX XXXX : Heres the class action lawsuit against Santander : https : //santandermultistateagsettlement.com/Information-for-Consumers I recently pulled my credit report from XXXX and I noticed a big discrepancy on my credit report. The report from Santander Consumer USA is in correct. As you can see below the report says that the account is closed and has been closed since XX/XX/XXXX. The monthly payment shows 0 dollars. How is it reported that a payment was made on this account on XXXX XXXX. This is a clear violation of the FRCA and this account should be deleted from my credit report immediately. 
I have attached a copy of my original copy of my vehicle purchase contract from XX/XX/XXXX ( XXXX XXXX XXXX  ) XXXX XXXX XXXX, XXXX, CA. It states nothing of the financing of this contractual agreement being finance by XXXX Santander Consumer USA ). 

On my credit report its states that the the creditor is ( Santander Consumer USA ) and that is incorrect information on my credit report. I would like the ( Santander Consumer USA ) information removed from my credit report. I have also sent a copy of the official letter I sent with the complaint I files with the XXXX  XXXX XXXX against XXXX Santander Consumer USA ) because of there predatory lending practices, that they have a 34 state class action law suit for predatory lending. I am requesting that the ( Santander Consumer USA ) account information be removed from my credit report. Heres the class action lawsuit website : https : //santandermultistateagsettlement.com/Information-for-Consumers? XXXX Also I would like a new credit report sent to me showing that this incorrect reported account was deleted. 

SANTANDER CONSUMER USA Reported : XXXX. XXXX, XXXX - {$10000.00} Closed Overview You have 63 % left to pay on this loan. 
Balance {$10000.00} Highest Balance XXXX XXXX  Monthly payment {$0.00} Opened XXXX. XXXX, XXXX ( 7 yrs, 4 mos ) Term 81 months Payment History Last payment XXXX. XXXX, XXXX Current Payment Status In Collections/ChargeOff Worst Payment Status No Info Account Details Account status Derogatory Type Auto Loan Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times 30/60/90 days late 0/0/0 Closed XXXX XXXX, XXXX You have a dispute in progress DIRECT DISPUTE We've sent your dispute request to XXXX XXXX, and we'll let you know when it's complete. 
CHECK DISPUTE STATUS Creditor Information SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Thank you for addressing my concern of this important matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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 2023-06-23
Company: Experian Information Solutions Inc.
State: VA
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:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

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 2023-04-17
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Name : XXXX XXXX Account number : XXXX Also on my credit report as : XXXX  This company kept putting late payments on my credit report and I have never used or dealt with them before. I tried contacting them. The information they gave me is incorrect and I filed a dispute with them directly, yet they still havent remove it from my report. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was being charged overdraft fees even when I wasnt overdrawn on my account. I went in personally to fix this problem and the lady I spoke with in the XXXX XXXX office told me there was nothing they could do. So not only did they take money that was mine they charged over draft fees to my account. The bank made a mistake when I had money in their to cover my purchases but showed I didnt so I was charged overdraft fees. When I went in person to provide proof of my recent deposit from my paycheck they said there was nothing they could do and she closed my account. So I lost an entire paycheck and was charged over draft fees. Its was close to XXXX total including overdraft fees

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 2023-08-15
Company: Experian Information Solutions Inc.
State: DE
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:
To whom this may concern : I have no knowledge of the accounts on my credit report. 

The accounts that I dont have knowledge of is : 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 explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have several accounts with Chase and have an external checking account linked to my Chase checking account. I verified the external checking account with Chase and have been transferring funds with no issues for months. I initialed a transfer on the Chase platform from the external account to my Chase checking account. I then received a call that the transfer was rejected. No explanation was provided. No new policy was given and I was simply hung up on. After being hung up on several times and transferred several times, all I was told was that Chase would no longer allow transfers from external accounts. That there was a policy, but that they couldn't tell me what the new policy was, when it was enacted, why I was not given notification, or anything about said policy. They have continually held my transfers for long periods of time and now will not let me even use my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: National Credit Adjusters, LLC
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called in the National credit adjustment XXXX  t pay off debt and was informed there was another debt under my information from the loan place called XXXX XXXX  XXXX in XX/XX/2015. This is untrue, and I would like this looked into. The account number is given to me on the phone isXXXX and another ACT IDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: LEXISNEXIS
State: FL
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 that should be on the report is missing

Complaint:
LexisNexis is in violation of 15 USC 1681 e subsection ( b ) of the Fair Credit Reporting act. LexisNexis continues to provide false and inaccurate information to the credit bureaus in reference to a Bankruptcy that they falsely claim to have verified. On XXXXXXXX XXXX I disputed information on my LexisNexis credit report that they maintain under my social security number. LexisNexis claimed to have verified the bankruptcy as being Report accurate, HOW CAN THIS BE when I provided proof from the court that the case number is INVALID. I also requested LexisNexis to provide me with documentation from the COURT with documentation bearing my signature, however they failed to do so. The following Bankruptcy needs to be deleted from my credit file immediately : XXXX XXXX XXXX XXXX : XXXX. I have also attached proof from pacer that the filing number is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 phoned in XXXX, again in XXXX and later in XXXX with no help. 

customer service would not help and take care of the negative inquiries reporting to my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Ih Mississippi XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX there are two with in 3 days. I only authorized one of these.

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 2021-03-29
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: Information belongs to someone else

Complaint:
I received emails from Transunion and XXXX  alerting me that eleven hard inquiries and a XXXX reservation were now on my credit reports using my first/last name and social security : TRANSUNION XXXX XXXX - XXXX ) XXXX XXXX Bank XXXX - XX/XX/XXXX XXXX ) XXXX XXXX - XX/XX/XXXX XXXX ) XXXX  - XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX/ XXXX - XX/XX/XXXX XXXX ) XXXX - XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX USA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX ) XXXX XXXX, XXXX, DC XXXX {$310.00} I DID NOT APPLY OR SUBMIT ANY APPLICATIONS FOR ANY OF THE ABOVE HARD INQUIRIES. I have requested a Credit Freeze with Transunion and XXXX bureaus. 
It has been a stressful and tedious process in contacting all of the hard inquiries companies in the attempt to clear my name.

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