BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
HSBC - I received a card with an into APR of 0 percent on purchases for the first 18 months. Nowhere in my card member agreement or paperwork received from HSBC did it state whether or not the intro APR would change on purchases made but not yet repaid by the intro APR expiration date. 

I have a XXXX XXXX card and, the purchases made are at the intro APR until they are paid off. 

So, I called HSBC and asked about how the intro APR worked. I took notes. I was told the intro APR expiration would not expire on purchases made within the intro period. 

Fast forward to around the first of XX/XX/XXXX. I noticed a not on my statement that seemed to indicate I would start being charged interest on the purchase I made starting XX/XX/XXXX, the end of my intro APR.

I immediately called for clarification. I would have utilized other purchase methods for this purchase of XXXX dollars. HSBC confirmed I would be charged interest on the remaining balance starting XX/XX/XXXX. I proceeded to explain to them that I called previously and was told something different. They confirmed record of the phone call. I asked them to please pull the recording and they refused. I asked them to please find the text that backed up this latest story in the card member agreement, and, they could not. 

I am requesting that the balance remain interest free for the life of the balance, just as I was told when I called in mid -XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been attempting to dispute an illegal collection account on my credit report for many months now. I have submitted two different complaints through the financial protection bureau about XXXX  XXXX. It has been IMPOSSIBLE getting any information about this incorrect account on my records, I do not owe any medical debt I am a XXXX recipient in state of California and I pay XXXX dollars every where I go and it has been this way for 7 years. In XXXX I got a notification from my credit monitoring that a XXXX XXXX  ( mysterious company ) has placed a negative collection against me for a mysterious debt which I DO NOT OWE! they ruined my credit and I lost over 160 points from them reporting me as a delinquent person to the credit bureaus. I disputed this and the CFPB required more information about them and for the LIFE of my I can not find who theses people are and where they came from and where there illegal debt originated from. 

I HAVE NEVER received a single letter, phone call, email or any correspondence AT ALL about any debt I owe and this company has illegally and prematurely reported me right away as a " in collection '' and I have no knowledge of this debt nor have I ever been to a XXXX or had labs done outside of my doctors office where my XXXX is on file. 

These people are vultures and snakes and they have ruined my life without warning me, notifying me or discussing anything or any invoices with me. How dare they??? I hope that they are found guilty of violating FDCPA laws and are SHUTT DOWN for illegal practices. SHAME on them!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I have a loan with XXXX. I have always made all of my payments on time. One day I decided to check my credit on Experian when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my Experian credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian and XXXX with no successful resolution. Only Experian is reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late, and I was never 60 days late three times.

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 2021-09-07
Company: Affirm 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: Investigation took more than 30 days

Complaint:
I have been disputing with Affirm for months about an alleged debt that continues to report to my credit file. This debt is negatively effecting me ( my credit score/credit worthiness ) and is defamation of character. I have requested that this alleged debt be validated with the original contract with my signature but it have not been provided. According to Fcra after 30 days of requesting validation if it is not sent the debt is to be deleted. This debt have not stopped reporting because Afform states that it is validate. If this debt is validate it need to be verified with the contract with my signature. If this verification can not be provided by Affirm to me then the debt needs to be deleted immediately. If the debt is not deleted I do intend to seek ligation for the violations of my consumer rights and defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
On XX/XX/XXXX, TransUnion received my claim, which disregarded and didnt act to remove the accounts from my credit report. These accounts are invalid items which do not belong to me. This is a violation of the California Credit Reporting Act and the FCRA. Please help me to remove this wrong information of my credit report. 

The accounts that are being incorrectly reported are the following : 1 ) XXXX XXXX, account # : XXXX, date open : XX/XX/XXXX. 

2 ) XXXX  XXXX XXXX account # : XXXX date open : XX/XX/XXXX. 

3 ) XXXX XXXX ACCOUNT # 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 2018-03-26
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I Leased a new vehicle from XXXX XXXX ( a subsidiary of XXXX XXXX ). I was under the impression that my lease was on auto-pay ( the first month was paid with delivery of the vehicle ). I was NEVER informed by writing or phone call until 2 months after my payment was due. My credit was severely impacted by this negligence. I called XXXX XXXX however they refused to take the marker off my record and mentioned that I have to speak with the dealership. The dealership said they can not do anything and I have to speak with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: DISCOVER BANK
State: IL
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:
I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

XX/XX/ DISCOVER, XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. PLEASE HAVE THOSE UNAUTHORIZED INQUIRIES REMOVED =.

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 2021-05-24
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
So on the XXXX of XXXX, I had a family member log into my account to deposit my PayPal balance to their bank account as I am not a US citizen and they are. From that point onward I have been trying to make payments on XXXX using my PayPal balance and there is a restriction on my account that I had never been notified of. They simply won't allow me to use that money to make a purchase so that money is basically sitting in my account useless. They also won't allow me to make payments using the cards attached to my account. I have tried reaching out to their customer service but they have kept giving me the runaround and have been very rude and smug in the process. The matter is very urgent and I need to be able to use my money asap. I really thought PayPal was a reputable company but this experience has proven me wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Kentucky Higher Education Assistance Authority
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
The collection agency has not provided a signed agreement with the current collection company ( KHEAA ). The promissory note that was provided is from XXXX is with Higher Education Student Assistance Authority ( HESAA ) of New Jersey which is from 14 years ago! They have garnished my refund tax from XXXX illegally! This has caused a MAJOR hardship for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email on XX/XX/2021 from Toronto Dominion Bank announcing my new checking and saving accounts which I did not open and have never heard TD Bank before yesterday. I called and the staff at TD Bank were quite helpful. XXXX at XXXX verified that indeed an account had been opened using my XXXX XXXX number and my address from when I lived in XXXX FL. I sent the letters, including the FTC XXXX Indentity Theft report and the letter to furnishers, all requiring Toronto Dominion Bank to respond with information about these fraudulent accounts they allowed to be set up in my name using my personal information including social security number. This bank has not responded to my letters and I can not even file a police report because I do not have enough information to do so. I require this information. I am not even sure what city this took place in. The lack of information is hampering everything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I Leased a new vehicle from XXXX XXXX ( a subsidiary of XXXX XXXX ). I was under the impression that my lease was on auto-pay ( the first month was paid with delivery of the vehicle ). I was NEVER informed by writing or phone call until 2 months after my payment was due. My credit was severely impacted by this negligence. I called XXXX XXXX however they refused to take the marker off my record and mentioned that I have to speak with the dealership. The dealership said they can not do anything and I have to speak with 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 2018-03-26
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I requested verification of this debt in which should follow the Sections 609 of the FCRA ACT.The company XXXX XXXX  did not send any verification. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
There was several accounts reporting on my credit file that did not belong to me. These accounts are reporting as a result of identity theft. I submitted the credit agencies with copies of a police report earlier this year and these items are still reporting on my credit file.

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 2018-03-26
Company: Diversified Consultants, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is trying to collect a debt I do not owe. I only called XXXX XXXX to inquire about prices. They wanted to get into a contract and I did not want that, so I never signed up. Now they not only reporting a debt I do not owe ... they are double reporting. Diversified Consultant and XXXX XXXX XXXX are both reporting on my XXXX report for the same XXXX XXXX debt. This is clearly a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
According to XXXX, my personal data was part of the security breach. Therefore, they have not been charging me for my security freeze, approximately {$5.00}. 

But I've needed to pay it with XXXX and Experian even though I am an identity theft victim with XXXX. The millions of Americans affected by this data breach shouldn't have to go to their local police department to file a report when XXXX and Experian can easily go to XXXX XXXX website to enter the customer 's last name and the last six digits of the social security number to verify the person was affected. There is nothing the local police can do about it. 

I am asking that XXXX and Experian place credit freezes on my credit bureau at no charge and that they refund the fees they have collected since the security breach occured.

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 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 sent certified letters to all three credit bureaus and have not got a respond back.

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 2019-02-07
Company: WELLS FARGO & COMPANY
State: NV
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:
I believe that the amounts of debt that lowered my credit score was done unfairly and was done too aggressively for the amount I owe.

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 2020-06-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Unverifiable accounts on my credit report with experian

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 2021-09-07
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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: EQUIFAX, INC.
State: NY
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:
this account was paid in full and closed buy the consumer it was never late are Charge-off XXXX XXXX XXXX XXXX  Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$7500.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, DE XXXX Ownership Joint Account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History

Company response to consumer: Closed with explanation