BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-05
Company: CHARLES SCHWAB CORPORATION, THE
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
After office hours On XX/XX/2021, I received by mail a Schwab Bank Visa Platinum Debit Card from the Charles Schwab bank in XXXX XXXX South Dakota. I had not opened an account with the Charles Schwab bank. On XX/XX/2021, I called the customer service center number XXXX and spoke to a man identified as Charles. I explained that I had received a debit card with my name XXXX XXXX XXXX XXXX that was delivered to my physical mailing address but I had not opened the account. He asked my identification information SSN Birthdate and address and zipcode to verify my identity and once my id was established he stated that this account was opened on XX/XX/2021 with funds transferred from XXXX XXXX XXXX XXXX. He stated that I was the victim of identity theft and the account was probably opened for the purpose of money laundering. I asked him to close the account immediately which he said that he would do. Then he recommended that I follow the necessary precautions of posting fraud alerts with all credit bureaus, checking credit reports for errors with credit bureaus and consider freezing my credit and subscribing to XXXX or similar services. I thanked him and got off to phone to follow his advice. The evening of XX/XX/XXXX, I received checks and deposit slips for the account associated with the debit card. On XX/XX/XXXX, I received account verification information concerning the account # XXXX. 
It stated that the account type was a Schwab XXXX XXXX, its cash feature was a bank sweep contained disclosure delivery method was email electronic to email address XXXX. On XX/XX/XXXX, I called Charles Schwab Customer service immediately to verify that the account had been closed but I was not able to answer the security questions correctly as the person who set up the account had established the security questions. I was barred from the disclosure of any information regarding the account in my name and instructed by the customer service lady to destroy the debit card and checks in my possession and report the issue and wait. I asked to be transferred to the fraud department of Charles Schwab bank to file a report but I was informed that there was no fraud dept. of the bank.

Please help me to close this account in my name and provide me with tangible proof that it is closed, and hold the individual ( s ) who used my identity information accountable according to all applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For at least 10 years I have been hounded about money owed on a Lowes account. I never opened a Loews account and if I did. I never charged anything to it. 10 years or so ago, I paid a bill collector anyway who said this was related to a XXXX charge. The collector promised that I was paid in full. However, I received another collection notice today. I periodically get phone calls.I have called numerous times and can not get this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
MONTEREY COLLECTION HAS BEEN TRYING TO COLLECT FOR DEBT WITHOUT PROOF OF OF THIS DEBT, HOW IT WAS CALCULATED OR ANY CONTRACT FOR THE SUPPOSED SERVICE, LIST OF SERVICE, ETC. 

THEY'RE DISREGARD FOR MY RIGHTS HAS CAUSED THE ERROR IN REPORTING WHICH HAS LOWERED MY QUALITY OF LIFE. 

THE AMOUNT THAT THEY ARE TRYING TO COLLECT IS {$4400.00} THAT THEY HAVE NOT EXPLAINED AND SHOULD BE DELETED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Shellpoint Partners, LLC
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:
My Shellpoint Mortgage credit reporting has been altered since the loan was sold and closed. It is reporting near correct on XXXX and XXXX, but terribly altered on XXXX. The XXXX XXXX XXXX has the loan still be reported after the sale and transfer date of XX/XX/XXXX. The Shellpoint loan as also reported by XXXX has the start date as XX/XX/XXXX to its transfer date of XX/XX/XXXX. 

The loan is also not recording and reporting that each of the 17 months from XX/XX/XXXX to XX/XX/XXXX that there were 17 payments that were made on time and should be recorded to the credit bureaus. At present this incorrect reporting is hurting our credit score because the account is not showing that a payment was made for each of those 17 months. ( doubled entries should not be indicated ). The CFPB says that the information should be reported correctly and complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Integrated Asset Recovery LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-16
Company: V and H Portfolio
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:
XX/XX/20 VANCE AND HUFFMAN LLC I have never done business with nor did I have a written agreement to make any payment to them. The company is stating I owe them {$440.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was looking for a new renowned international bank with a presence in the US, since I travel a lot. I came across an offer from HSBC US for a Choice Checking account, which included a welcome offer of {$200.00} when activity was met. The nearest branch is about 15-20 minutes from my house so I decided to apply online. I can't describe how frustrating it has become dealing with this bank. After about 30-40 questions and a 30 minute application process, it states all applications need to be verified and somebody would contact me back in 48 hours. The days went by and I called, I was connected to an overseas call center and they explained me I had to wait some more. I asked to speak with a supervisor and I was told they have no supervisors. I waited some more and called again, I was told I need to contact each Credit Bureau and submit a copy of my credit report in writing to them. What the heck? Never in my life have I been asked to submit a credit report. They can do that themselves. Why in the world are we as a country allowing this bank to operate in our country? By the way, at the end of the last call, the person called XXXX told me : " I need you to hang up now sir, we're done here ''. 

Reference Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX EQUIFAX AND XXXX HAS SOME INQUIRIES ON MY CREDIT REPORT. THAT ARE NOT MINE. 

XXXX XXXX-NOT MINE. PLEASE DELETE Equifax Mtg-NOT MINE. PLEASE DELETE XXXX XXXX XXXX-NOT MINE. PLEASE DELETE XXXX-NOT MINE. PLEASE DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX  Account : XXXX XXXX XXXX  Account # XXXX, has violated my rights. 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

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 2018-02-16
Company: AES/PHEAA
State: AA
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:
On XX/XX/XXXX I received an extremely opaque notice ( see attached ) saying that, as a result of a review of my student loans, the overall balance of the loans had been adjusted upward. The letter provided no additional useful details and did not even provide information on the difference between the new and old balances. In a subsequent call with the loan service provider, Pennsylvania Higher Education Assistance Agency, I was told that the upward adjustment of the loan was the result of a realization, four years after the fact, that XXXX had failed to capitalize the interest on one of my loans. They were unable to provide an exact date on which the capitalization was supposed to have occurred but thought it was sometime in XX/XX/XXXX. On the phone, XXXX was also unable to provide more detailed information about the exact amount by which the loan had been adjusted. Based on my cursory review of the loan history, however, it looks to be a difference of approximately {$10000.00}. I find this to be unacceptable, and frankly think there should be some kind of statute of limitations given that XXXX did not realize its own mistake for more than four years. This  completely calls into question the ability of XXXX to manage student loans and to be a good steward of debt owed to the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As of XX/XX/XXXX my taxes were not paid. I did not have an escrow acct set up. I am on a fixed income since XXXX. I do not recall making any decisions of giving Bank of America the authority to pay my taxes, now I can not financially afford the payment due to this.

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 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 previously submitted 2 request to have a collection account that was reported on my credit on XX/XX/2021 from a company named XXXX  XXXX XXXX to be investigated since I am a active servicemember with full insurance. The Credit Bureaus, XXXX and Transunion claimed to have verified the debt, so I followed up with a request for verification from them and the Company which reported the Debt. The company XXXX XXXX has not sent me verification requested and it is pass 30 business days. Nor, has the credit bureau given the requested information. I have a rights under FCRA to see the information that is being reported and verify the documents are in fact mines and error free. I have submitted them verification that I should not have a medical debt when I have full insurance that pays 100 percent of medical expenses. I have requested this be removed from my credit file as the insurance and medical provider must settle any debts as a part of my coverage. This further hurting my credit file and inaccurate representation of me as a consumer. I have requested twice that my file be update. XXXX is reporting a medical debt similar with no information provided to counter the account. This is poor work ethic on behalf of the credit bureaus and costing more financial strain to have to resubmit verification of accounts that have already been provided the proof necessary that they are inaccurate. Instead, they are updating the accounts and not speaking to the consumer or providing their methods of verification.

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 2019-10-23
Company: EQUIFAX, 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:
THIS COMPLAINT IS REGARDING XXXX XXXX XXXX ACCOUNT XXXX.MULTIPLE DISPUTES HAVE BEEN INITIATED THROUGH EQUIFAX AND OTHER BUREAUS.IN ADDITION THE CREDITOR WAS ADDRESSED IN CFPB DISPUTES AND COMPLAINT. 
XXXX XXXX XXXX AND EQUIFAX ARE DEPICTING ERRONEOUS LATES.NOW, I PLAN TO SUE XXXX AND EQUIFAX FOR EVERY FRAUDULENT VERIFICATION/CERTIFICATION THAT HAS BEEN ACCOMPLISHED.THE STATUTORY DAMAGE AMOUNT IS XXXX DOLLARS PER INFRACTION WITHOUT PROVING NEGLIGENCE OR INTENT.FOLLOWING THE RESULT OF THIS COMPLAINT I WILL SEND A DEMAND LETTER TO EQUIFAX AND XXXX SEPERATELY DEPENDING SOME-WHAT ON THE OUTCOME HERE, OTHERWISE I WILL ADD XXXX EACH TO EACH CLAIM IF UNSATISFIED AND I WILL SEE YOU IN COURT OR NOT IN XXXX SUPERIOR COURT. 
THE 2 VERIFIED DISPUTES DATED COMPLETE ON XX/XX/19, DISPUTE CONFIRMATION NUMBER XXXX AND XX/XX/19, DISPUTE CONFIRMATION NUMBER XXXX FROM EQUIFAX SHOW THE LATES AS EXCLUSIVE AND DIFFERENT FROM THE EXCLUSIVE AND DIFFERENT DATES SHOWN ON PAGE ONE FROM THE XXXX FINAL LETTER.REMOVE XXXX FROM ALL BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Kimball, Tirey & St. John LLP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The collection debt noted as Kimball St Trey and John LLP is 6 months past the California statute of limitations and can not be legally pursued and or collected. However this company still has it on my credit as an open collection and are still updating the balance. The collection opened on XX/XX/XXXX and as of XX/XX/XXXX was a time-barred debt and should have been closed and removed. 

California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts, lenders and debtors can not attempt to collect debts that are more than four years past due as it is against the law and is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Netspend Corporation
State: NC
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:
I had 2 unauthorised dedits from my netspend card.one on XX/XX/XXXX for XXXX and one on XX/XX/XXXX for XXXX.i filed a complaint with the company and supposedly their investigating transaction fraud.their dragging their feet

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 2021-07-05
Company: Big City Finance, LLLP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I have an existing loan with Power Finance. I received an email on XX/XX/2021 stating : Borrow more money today! Need more money? 
Refinance today! You have an additional {$98.00} available to you! 

The email provided a log into my account option. Once there, however, there was no tool to take advantage of the additional funds. I called. The message stated the office was closed for the holiday. 

I received another email today ( XX/XX/2021 ) stating : Borrow more money today! Need more money? 
Refinance today! You have an additional {$74.00} available to you! 

Again, the email provided a log into my account again ; and again, there was no tool to take advantage of the additional funds. I called. The message stated the office was closed for the holiday. 

So, there were two offers, but no tool available to take advantage of the offer and the telephone message stated the office was closed for the holiday. 

I went ahead and reapplied for a {$100.00} loan and was approved. The problem with taking this step is that my bi-weekly payment is now increased from what it was. If the online option had been available as was implied, my payment would not have increased since it was a simple increase to the loan 's bottomline based on the amount I had already paid off.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX is not showing me how this is my account when I properly reported identity theft to the FTC. I have been disputing this account since XXXX when I found out about it. My information was taken and used to open a loan on a car as a joint co-signer. I gave no one permission to go in my personal belongings and take my information and sign my name and use my information to do anything. Im tired of dealing with XXXX XXXX to no avail because they are trying to pin something on someone when I was not even there. This is really hurting my life and I keep fighting it and fighting it, because these people used my information without my consent they are going to pin this on me. XXXX XXXX needs to be shut down. I have been disputing this with Equifax as well to no avail. This company keeps changing the remarks on the account open closed, late this is not my account I should not have to suffer for this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
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:
HSBC credit card are accusing me for a transaction that I didn't make. 

There system are posting wrong dates on my transaction and its there job to double check not mines. 

the transaction made on XX/XX/XXXX beside XXXX  are considered to be a frad, and wrote on their paper statement that we aren't reliable with any frad transaction and they are dening this!!! HSBC is being very unprofessional no wonder nobody really talk about this company ... 

I have been with them for only 2 months or so and they are doing a horrible job already. what a good way to welcome a customer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Experian Information Solutions Inc.
State: AP
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:
Multiple disputes submitted for this fraudulent collection on Experian. It still has not been deleted. 

Experian - XXXX XXXX {$300.00}

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 explanation
Consumer complaint received 2021-07-05
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 XXXX XXXX was dismayed and disturbed today XX/XX/2021 after I reviewed a copy of my consumer credit report from the Consumer Credit Reporting Agencies : XXXX EQUIFAX, and XXXX. Pursuant to US Code 1681a ( q ) ( 3 ) the term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. I am a victim of Identity Theft! Pursuant to 15 US Code 1681c-2 ( a ) " ... a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. '' I have filed an Identity theft report, and provided the Agencies with my identification. I also will like for them to remove and block 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 PLEASE BLOCK AND REMOVE THE ABOVE ACCOUNTS FROM MY REPORT. THANK YOU I have attached affidavit of truth and invoice. I would like like to be compensated for the violation of these laws Pursuant to US Code 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Filed identity theft, called the company about it, called the collection company about it, and at this point it was not resolved, and it is still on my credit report, THATS down on my score

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