BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
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:
My credit card was stolen and used to make charges. I reported it immediately to the company as soon as I was aware of it. I filed a police report. HSBC continues to try to collect this and has damaged my credit. Some of these charges are in countries I have never been to. HSBC requested I fly at my own expense around the world to all these places to file police reports. They even wanted me to fly to the city in XXXX where their fraud team is in XXXX. They did nothing to investigate and closed their investigation before even providing me with a full list of the charges. I reported to the credit bureaus that these charges were fraudulent and HSBC replied that they " can't contact me ''. I reported these charges within the time required by law. I am not legally responsible for any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collections alert on my credit XXXX XXXX and XXXX for a medical bill. I never received any written correspondence from the company. I was not given an opportunity to validate said debt. Upon calling the company I was informed that they no longer had the account, however they placed the account on 2 of my credit reports. The bill was paid to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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 information incorrect

Complaint:
Due to repeated identity theft issues, I have a credit freeze on my credit. On XX/XX/2023 I unfroze the freeze to apply for a fuel savings card. On XX/XX/2023 I re-instated the credit freeze. Somewhere in the XXXX time period an individual impersonating me opened an account at XXXX XXXX XXXX XXXX XXXX. We have XXXX, XXXX protection, we reported the issue as NOT ME. We were leaving for a trip at the time and did not follow up on this issue. On Thursday, XX/XX/2023, I received an e-mail and phone call from XXXX XXXX about this issue. I contacted Equifax, then contacted the XXXX XXXX XXXX XXXX and obtained the account # that is attached to my name and social security number. 
XXXX XXXX has been in contact with me several times, and instructed me to file a police report on this issue. My local police department, does not accept identity theft reports, and I was directed to file with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: PRESTIGE FINANCIAL SERVICES 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: Public record information inaccurate

Complaint:
My credit reports show the agencies are reporting a bankruptcy with inaccurate information wrong dates and filings that appears under my name the account is outside of the bankruptcy when should be included in the filling the courts have confirmed they have given no agency the right to post this information in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, California XXXX XX/XX/XXXX Personal Information Update Equifax ; I just looked at my credit report and was shocked to the amounts of errors you have listed. I am writing to have them immediately removed. 

The following account has been paid in full via negotiable instrument received by the company. 
The following account needs to be reported as paid in full or removed immediately XXXX XXXX XXXX XXXX XXXX  Reason : Please verify and validate ALL data for this account, every notion, dates and balances, whether reported or not The following account has been paid in full via negotiable instrument received by the company. 
The following account needs to be reported as paid in full or removed immediately XXXX XXXX XXXX XXXX XXXX XXXX  Reason : Please verify and validate ALL data for this account, every notion, dates and balances, whether reported or not The following inquiries were made without my knowledge or consent and I would like to be provided proof that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like them all removed immediately 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 understand that each of these violations are {$1000.00} per each error and account per 15 USC 1681n ( a ) ( 1 ). I will be attaching a bill of particulars for your convenience. 

As the consumer I need this resolved immediately. See 15 USC 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

By provisions of the Fair Credit Reporting Act, I DEMAND that these items be removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: MI
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 made final payment to XXXX XXXX XXXX. They still continuing to report the account as delinquent/derogatory. I have sent letters to correct it but no changes was made.

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 2022-07-11
Company: DISCOVER BANK
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Shortly after opening my Discover Bank account was flagged for fraud. I have been instructed on various occasionsby their customer support to speak to their security team. 

I have been on hold for over 3 hours on various occasions now ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), after which they disconnected the connection. I am now unable to access my account in any way. 

I have not been able to verify my account in person, via fax, or mail, and since their security team is not available to speak with, they are essentially holding on to my money. 

At this point I have no interest in maintaining any relationship with discover bank, and just want my account closed and my money returned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX Disputed this account I have no knowledge of. I have disputed online, mail, phone and also have a dismissal letter I sent a never served or informed of any courtdate. They have yet to even respond other than expierian saying they validated the debt but how? And where are my copies?

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 2021-05-22
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
In XXXX I found out that I was embezzled and identity stolen to commandeer several accounts in my name. Two personal credit cards originally opened legitimately, were supposed to be closed or inactive, one for XXXX XXXX and the other for TD Bank ( see attached ). Unbeknownst to me, they were taken over by a former employee, XXXX XXXX, who charged over {$100000.00} on two credit cards by forging signatures. There were balances left on the cards, and eventually the companies charged off balances as bad debts, listing them as delinquencies, even though that was 100 % fraud. I found out through a telephone call from XXXX XXXX about the first card which had a ~90 day past due balance. The TD Bank account was discovered still open with a balance after checking my credit. I notified both banks and let them know this was fraud, however they would not believe me. However they said they would listen to law enforcement if the perpetrator was charged. Due to the complexity of the case, the perpetrator, XXXX XXXX, XXXX XXXX XXXX XXXX, was not charged until this year by the XXXX XXXX District Attorney 's office for these crimes. She was charged for XXXX XXXX XXXX XXXX, was XXXX and is now awaiting a XXXX or XXXX. I have disputed both accounts since I was aware of the fraud, however the two cards are still listed as delinquencies on my credit reports. These claims were investigated by XXXX Police detective XXXX ( XXXX ) XXXX or ( XXXX ) XXXX, as well as by XXXX XXXXXXXX XXXX XXXX a former FBI XXXX XXXX  crime investigator, ( XXXX ) XXXX, email : XXXX. The accounts were actually illegally paid by the same person who embezzled from them by intercepting the mail, and paying them through a corporate account illegally, so I was unaware the accounts were being embezzled for about four years starting XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX  : XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX Account XXXX XXXX XXXXXXXX, 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 an 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 explanation
Consumer complaint received 2021-12-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for XXXX, XXXX and XXXX XXXX, as well as at least 1 % of the company pursuant to XXXX  XXXX OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO 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 2019-03-09
Company: WELLS FARGO & COMPANY
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/XXXX, I spoke to a member of the Wells Fargo XXXX XXXX XXXX team about deferment options and the possibility of adjusting my due date so that I do not continuously incur late fees. This conversation was a pro-active effort to explore my options before I had to move. I was told verbally that neither deferment on my loans due to a financial hardship ( I was moving at the time ) nor adjustments to my due date were an option. 

I have continuously called and made partial payments during this time : XXXX {$310.00} XXXX {$560.00} XXXX {$150.00} XXXX {$560.00} XXXX {$660.00} XXXX {$400.00} XXXX {$400.00} I now owe {$550.00} in late fees even though I communicated that the due date was after my pay day. I have a balance of {$2000.00} for my student loan payment and I have not received written notification that deferment and/or a revised repayment plan is not an option. I communicated to the Wells Fargo XXXX XXXX XXXX team I was still trying to make a good-faith effort to make payments and wanted to see if what my options were. I was not informed of any additional options and the snowball effect of late fees and a two-month hardship caused me to fall behind. 

Lastly, I was assigned a researcher named XXXX XXXX on XX/XX/XXXX ( it has been over XXXX business days ) and have not been contacted by him to follow up with my inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX, GA XXXX Employer : XXXX XXXX Date Updated : XX/XX/2020

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 and XXXX XXXX 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. 
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 2022-07-11
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian reports a date of last activity of XX/XX/XXXX while the other bureaus report different dates ( XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX ), which is a clear indication that the bureaus are not reporting accurately. 

Experian also lists this CLOSED account as XXXX and continued to report positive payments on a closed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
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: Information belongs to someone else

Complaint:
I wrote to XXXX, Equifax, XXXX regarding a fraudulent account on my credit report and an account with late payments that are false. All 3 bureaus denied me and ignored me. These accounts are still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: JPMORGAN CHASE & CO.
State: IL
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 XX/XX/2020, I received a text message from Chase fraud department advising that a charge was declined and requesting verification. I replied with " NO '' via text message and immediately contacted Chase to dispute the fraudulent charges. 
Chase did replace my charge card and issued a temporary credit but later denied my claim and charged the fraudulent purchases back to my charge card. The response was in the form of a letter from Chase on XX/XX/2020 stating that my claim was denied because I allegedly received benefit from the transaction and the claim was closed. I responded via certified mail article # XXXX XXXX XXXX XXXX XXXX XXXX in which I disagree with the decision and request information regarding the appeal process but received no response from Chase. I am being informed incorrectly that my claim was denied because I allegedly approved the verification text and signed for the following purchase XX/XX/2020 XXXX XXXX XXXX XXXX # XXXX {$870.00} XX/XX/2020 XXXX XXXX # XXXX {$5000.00} I did not make these unauthorized charges nor did I receive any benefit from them and I would like Chase to re-open my claim and provide me with any documentation supporting their denial of my claim

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filled out FTC twice with XXXX for Capital One {$44000.00} and XXXX/XXXX  XXXX 's {$1000.00} XX/XX/2018 called and spoke with a XXXX, she stated that she couldn't locate the FTC that I need to resend the FTC.Resent it again XX/XX/2018. Spoke with XXXX in XXXX stated she still couldn't locate the FTC, but XXXX put in a dispute in XXXX without the FTC stated that it came back verified with the information I sent XXXX. Another FTC was faxed on XX/XX/2018. Called XXXX XX/XX/2018 stating that they still can not delete because Capital One and XXXX XXXX had verified that it was my information with the information I sent to XXXX. I ask for an authorization number stated that the information was verified and XXXX representative couldn't provide one. A policy report was made in XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a credit card that had a promotional offer of XXXX bonus points after spending {$1000.00} within 90 days. Once all of that occurred, I was issued only XXXX points. I have called and spoke to someone and opened a case, I was sent a general letter that my case was closed and there would not be any additional points. I called them and I spoke to XXXX who provided me with his operator ID XXXX. He advised that he is located in the call center of the XXXX. This credit card is a Barclay 's Credit card through XXXX XXXX. It is a Visa that I am able to use anywhere. He advised that I signed up for an offer for the 25,000 points. I advised that I have proof of the 32,000 points that I was supposed to receive that was time stamped on the time and date that I signed up for my offer. I didn't get anywhere with him so I used twitter to contact them, and this is the message that I received verbatim " We are unable to change the promotional points that were offered during the time of your application. Welcome bonus offers will vary depending on the time of application and application channel additionally offers change on a regular basis. We apologize for any inconvenience this may cause. '' This was initialed by XXXX. I sent them the offer from the website that I applied on when I completed the application. I do this with everything that I do because I am sick of companies posting things and not honoring what it wased that they advisertised.

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