BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
- XX/XX/XXXX : Applied for HSBC Premier Checking account with the promotion to earn {$750.00} bonus by depositing $ XXXX and keep for 90 days. The terms stipulates the $ XXXX can be a combined balance of checking/saving/investment balance - XX/XX/XXXX : HSBC Premier Checking account approved. 
- XX/XX/XXXX : HSBC Direct Saving account opened - XX/XX/XXXX : Deposited $ XXXX into Premier checking account - XX/XX/XXXX : Transffered $ XXXX from checking account to saving account - XX/XX/XXXX : 90 days requirement has been met, but no bonus amount has been posted - XX/XX/XXXX : Checking account no longer appears online. Did online chat with HSBC agent, and was told the account was closed by the bank for {$0.00} balance. I inquired about the {$750.00} bonus as I have met all the terms required. Agent responded that since the checking account got closed, they will not provide the {$750.00} bonus. 
- Also called them on the phone, and was again told there is nothing they could do. 
- The terms of the promotion only specified that the combined balance of checking/saving/investment need to be $ XXXX or more for 90 days, which was clearly met. The bank can not simply close my checking account and refuse to pay me the {$750.00} bonus originally promised

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21
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: Their investigation did not fix an error on your report

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX 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 XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, 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:
This Complaint is being submitted through the CFPB to inform Equifax that I am a victim of identity theft and the accounts I am disputing do not relate to any transaction that I have made or authorized nor did I receive any benefits as a result of the theft of my Identity. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 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. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXX XXXX & financially... and I would truly not what to pursue a legal remedy... Please delete these XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: AFNI 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:
On or about XX/XX/2018 I received my annual credit report from XXXX XXXX which contained a number of items that did not belong to me and was seriously affecting my credit score. Among the accounts reported in error that did not belong to myself was from AFNI ( ACCT XXXX ) in the amount {$270.00}, for a XXXX Account I never had. 

On or about XX/XX/2018 I drafted a letter to XXXX XXXX directing the wrongfully reported items be removed pursuant to 15 USC 1681 ( i ) including that of AFNI. Said letter was send via facsimile to XXXX XXXX XXXX with confirmation of fax received. ( A true and accurate copy of letter and fax confirmation are attached to this complaint ). On or about XX/XX/2018 I received a completed dispute notice from XXXX XXXX in which they removed most of the disputed items, however AFNI remained, claiming it was verified. On that same date, I also contacted AFNI and demanded any contractual documentation from the original creditor and anything with my signature, or the assignment contract from the alleged original creditor to AFNI giving them authority. AFNI has never responded, because the information regarding myself does not exist. 

On XX/XX/2018, I drafted a second dispute letter to XXXX XXXX directing them to remove the AFNI account as it is not mine and any verification of same would be fraudulent. XXXX XXXX again did not remove the AFNI account. 

OnXX/XX/XXXXI faxed to XXXX XXXX a Request For Method Of Verification pursuant to FCRA 611 ( a ) and FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) for the AFNI account ( copy attached and fax confirmation attached ) to which they have fifteen days to respond under the statute. As of XX/XX/2018, XXXX XXXX has not responded in any fashion therefore on that basis alone the account must be removed. 

It is not my responsibility to do what is deemed XXXX XXXX 's responsibility under the FCRA as it the credit reporting agency 's legal obligation to make sure that what they are reporting is truthful and accurate. When a consumer informs the agency that the reporting is in error or fraudulent, the credit reporting agency as a heightened duty under the statute to do a proper and complete investigation. All XXXX XXXX would have to do is demand from AFNI any original contractual documentation by and between myself and the original creditor, which they would then find out it does not exist. Also, as the account is not mine, I can not give them any supporting documentation as there is none to give. 

Because I have disputed his claim 3 times with XXXX XXXX as well as the collection agency, and because I have received nothing by way of supporting documentation from either, the AFNI account must be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
To Whom It May Concern, Here is what happened on my account ending in XXXX. 

XX/XX/23 Received a call from XXXX XXXX  that there were charges against our checking account ( XXXX ). They said they wanted to let the charges go through and then deposit the money back. The caller said this way would be easier for the fraud case to be resolved. I thought that the conversation wasn't legit and told the caller this was a scam. I hung up the phone and called XXXX directly. I logged online and saw that there were withdrawals ( XXXX {$2200.00} ) being made from XXXX. ' Told XXXX of the situation. We immediately locked all cards and had new cards sent to us. They opened case # XXXX and said they would investigate. Reported fraud again on XX/XX/XXXX and was told that XXXX would investigate it. 

I called Fraud on XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each and every time I was told the money would be put back into the account that night. The funds were not put back into account. 

Didn't hear anything back from XXXX and didn't see any deposits for the fraud. Called XXXX XXXX on Friday XX/XX/XXXX and was told that the case has been closed since we authorized the confirmation that XXXX texted us. I looked through my texts and found the text that XXXX had sent. In the text I replied to it as 'NO '. But was told they see that I confirmed the transfer. I sent a copy of the text on that Friday XX/XX/XXXX, and also have an attachment with this text on this email. We didn't initiate the withdrawals nor did we confirm the text sent to us. This was submitted to XXXX. On XX/XX/23 we made another call to XXXX and again were told the case was closed due to the approval of the charges that they show. I spoke to a manager in fraud and had it re-opened yet again and submitted the info AGAIN. We don't know how this fraud took place, we had the card in our possession, have not made any reservations thru XXXX and notified XXXX Immediately of the fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/XXXX, I went on experian.com to check my credit report and found a credit card account and an address that was not mine. I called them to file a dispute to remove them off of my credit report. An investigation was initiated and processed with XXXX XXXX and XXXX as well. On XX/XX/XXXX, XXXX completed their investigation and XXXX XXXX completed theirs. Experian also completed their investigation today XX/XX/XXXX. XXXX XXXX was able to remove the credit card from my report. Unfortunately, Experian and XXXX are still keeping the credit card on my report saying that everything was verified but I never verified anything and I never owned any credit cards nor have I applied for any. Experian also removed the address that wasnt mine from my account information but the issue with the credit card still remains. My credit report is frozen and locked so that no one can have access to my information. There should be nothing on my credit report but the closed accounts I have from student loans.

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 2018-09-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested Equifax to remove the security freeze from my account. I got successful confirmation via PDF receipt and phone. When trying to set up a new gas account, however, I was told that the credit freeze still existed. Previously, when trying to set up my security freeze with Equifax ( when they had the data breach that compromised my information ) they were extremely difficult to work with and it took me several weeks to the put the freeze into effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 reviewed my credit report and found the following to be in error. I would like these items deleted off my report FCRA VIOLATION. 

XXXX XXXX XXXX # XXXX - account unknown, bureaus can not validate please delete XXXX XXXX XXXX # XXXX - account unknown, bureaus can not validate please delete off my report XXXX XXXX XXXX  # XXXX - XXXX is reporting past due however I do not have any late payments- please update my report to paid as agreed. Also last date active is showing XX/XX/2018 ( see attached )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: Selene Holdings LLC
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 is missing that should be on the report

Complaint:
My name is XXXX and the mortgage company Selene Finance altar the loan modification that me and my parents signed back in XX/XX/2020. I signed as a borrower along with my father XXXX I'm power of attorney for my father he has memory loss. And I'm power of attorney of my mother XXXX, as of XX/XX/XXXX, of this year. And I'm also a borrower too. But I'm not listed as a borrower on the new loan modification. It has been reordered on XX/XX/2020, at XXXX XXXX., in XXXX XXXX county California. My father and I are joint owners of the deed and I sent a copy of the deed to Selene Finance along with a letter asking them to put my name on the modification loan and they didn't add me on the front page of the loan. They added my brother XXXX, and he isn't on the dead he is just a renter and he didn't sign the loan modification. They also left out an important page that I gave my bank XXXX account number and routing number so they can automatically withdraw monthly mortgage payments. And they even left out the power of attorney papers too. I didn't see any of the pages on this loan modification that is reordered back in XX/XX/2020. And I was told once the loan modification when recorded that all three credit scores would show that I own house and that I am making the Mortgage payments to Selene Finance. As of today, XXXX doesn't have me paying mortgage payments to Selene Finance. This has been a big hardship on me I have to call and make monthly payments over the phone and I had to wait sometimes over an hour to speak to an agent and a lot of times I would get cut off. And I can not refinance because my credit score is low because of Selene Finance not reporting my information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am submitting this claim requesting review regarding the recent CFPB fine issued to Wells Fargo for its past action of improperly denying mortgage loan modifications, miscalculating fees and other charges, and assessing unwarranted charges and fees. 

I was a Wells Fargo mortgage borrower on my primary residence from XXXX. I had a 1st and 2nd loan with Wells Fargo and tried for several months, calling daily, to have a loan modification approved during the XXXX XXXX I was denied a loan modification and short sold the house which resulted in great financial harm to myself for years to follow. I believed I am directly affected. 

Over the past 10 days I have reached out to Wells Fargo directly and was told all those affected have been or will be contacted. However, upon further question and answering with XXXX at Wells Fargo ( XXXX ) XXXX ext. XXXX I was told my specific account has been purged and the burden of proof lies upon me. 

How could I possibly be contacted as an affected consumer when my account has been purged? Who would review my account? How many other affected consumers are being denied proper review and justice? 

I am requesting the CFPB to look into my specific account and all others whose accounts have been purged.

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 2023-01-18
Company: SUNRISE CREDIT SERVICES, INC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2019-06-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XXXX, my husband was scammed by a so-called " tax relief '' service. He paid for part of the fee with our XXXX   XXXX XXXX credit card. The amount charged was {$3000.00}. After realizing it was a scam because no service was provided, he ordered that the charge be reversed. After over a year of dispute with XXXX XXXX XXXX, they finally agreed to honor the reversal for the total amount. A few years later my husband and I divorced. Then I started to receive letters from Portfolio Recovery Associates for the amount of {$3100.00} from XXXX XXXX XXXX and XXXX XXXX XXXX. I asked XXXX XXXX XXXX what this charge was for but they said they can not access that information because it is so old. I don't know what this charge can be for other than the scam tax relief company because after that, we closed that credit card and stopped doing business with XXXX XXXX XXXX. Portfolio Recovery Associates is also trying to collect a charged off amount of {$2700.00} which is also from XXXX   XXXX XXXX. It was charged off in XXXX. Also, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX was found to engage in Unsound, Unsafe, and Illegal Debt Collection Practices in XXXX so I don't consider these debts truthful or valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/XXXX someone used my name XXXX XXXX XXXX and possible my SSN ending in XXXX to apply for a XXXX XXXX credit card. Upon learning of this inquiry I immediately called XXXX XXXX and they stopped the application process and mark it fraudulent. I then spoke to Transunion but they requested several documents in writing, among them an FTC report which I have no idea how to obtain. Maybe you can mail them someone to : Transunion XXXX XXXX XXXX XXXX, PA XXXX Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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