BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/19 I applied to open an HSBC Advance Checking account in order to qualify for the bonus offer of {$350.00} for opening and funding a new account. The terms stated that you could not have been an HSBC client already and that once you open the account you had to fund {$10000.00} in new money between checking and savings and keep it there for 90 days. After applying for the checking account and getting confirmation that the application was being reviewed, I also applied for a savings account on XX/XX/19 so that when I deposited {$10000.00} it would be able to sit in the savings account earning higher interest. The savings account application was approved immediately while the checking account application was not approved for more than two weeks. I deposited {$10000.00} into savings as was outlined I could. After not receiving the {$350.00} bonus offer in the timeframe that was promised, I have contacted HSBC multiple times and have been told that I did not qualify for the bonus because I already had a relationship with them because my savings account was opened before the checking account, despite the fact that I applied for the checking account first and the only reason that the savings account was opened first is because they pushed through the savings application and delayed the checking application. They are also saying that the money had to have been deposited directly into the checking account, despite the fact that the terms and conditions of the bonus offer simply state that you must deposit {$10000.00} in new money between checking and savings accounts. Nowhere did it state that the money had to be routed first into the checking account. When I kept pressing that I was not satisfied with these answers, they have come back and said I also don't qualify because I did not use the bonus offer link ( which I did ), even though my wife used the same link I did to open an account and received the bonus. They have not offered any evidence of this and there is no way for me to disprove it. I did everything to comply with the terms of the offer in good faith and they are denying that I qualify based on technicalities that they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: CITIBANK, N.A.
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have been working for over 3 years on a " Loan Modification '' with CITIBank, made it to underwriting and was denied immediately and then proceeds to tease me saying " This is what we could have done for you had you qualified-a forbearance of {$55000.00}, with a 2 % interest and an interest/principal payment of {$330.00} on a balance of {>= $1,000,000} '' This is exactly what I have been working on for 3 years. I have financing available but because CITI will not comply with my request for a payoff letter honoring my payoff of $ XXXX to close out this loan that I have been paying on for over 13 years and they have me owing more than the house is worth, forcing me to pay {$500.00} for an interior inspection which was NEVER done at the time they " Granted '' me this loan and have given me a DEADLINE which I will not be able to meet and I have written to my CITIBank " Specialist '' requesting an extension to honor my ability to provide funds to close this account! I am sick and tired of how the Big Banks can have so much power over people, constantly harassing and threatening and putting so much fear into people just trying to save their houses. These Big Banks get fined Billions of dollars and they do nothing, it's just a slap on the hand for them, they continue with their corrupt and unconscionable abuse to the consumer.

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 2018-01-27
Company: Experian Information Solutions 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:
on XX/XX/2017 XXXX XXXX sent me an email to view current auto refinance rates. I viewed the link to see what the current rates were and it sent my information to " XXXX XXXX '' and " XXXX XXXX XXXX '' as a hard inquiry and dropped my score by XXXX points! I never filled out any applications to do this. I disputed the inquiry with the credit bureaus and the hard inquiry was removed but my score remains the same. I want my points to be added back to my credit 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
Consumer complaint received 2019-06-29
Company: EQUIFAX, INC.
State: IL
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:
Sent credit bureau FTC identity theft report and they still refuse to remove/delete inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
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: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/2017 XXXX XXXX sent me an email to view current auto refinance rates. I viewed the link to see what the current rates were and it sent my information to " XXXX XXXX '' and " XXXX XXXX XXXX '' as a hard inquiry and dropped my score by 52 points! I never filled out any applications to do this. I disputed the inquiry with the credit bureaus and the hard inquiry was removed but my score remains the same. I want my points to be added back to my credit 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
Consumer complaint received 2018-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I called Transunion due to the inquiries that have been applied on my account. When Transunion went through there Glitch a bunch of inquiries were added to my account that has never been there and not authorized from me. When speaking to a account representative stating to them I have proof of document that I was apart of the Glitch, they paid me no attention. I have listed the inquiries below that need to be removed or I will go for legal action.I am very aware of my rights and Transunion failed there legal rights to speak to the people on the Glitch and actions that where taking place. If you look through you can see where the inquires are even done at the same place months after ( This are not from me ). 

1XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX XXXX   XX/XX/XXXX 4.XXXX XX/XX/XXXX 5.XXXX XXXX ( again ) XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7. XXXX XXXX ( again ) XX/XX/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 2021-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have previous submit a complaint with Transunion who resolved most of the problem. I don't understand why they have left things on my public record when all other items were deleted that were associated with this false and damaging information. I have contacting XXXX XXXX who has said they deleted this incorrect information and since the court does not communicate this information with any bureau directly, it is impossible this information is accurate, nor obtained, nor published on my file legally

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE BEEN A VICTIM OF IDENTITY THEFT I'M A DISABLE YOUNG MAN THAT HAS BEEN A VICTIM BY A UNKNOWN PERSON THAT IS ACTING AS THEY ARE ME THEY ARE OPINING FRAUDULENT ACCOUNTS UNDER MY NAME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Reported theft of funds by debt card. Bank refused to refund fraudulent charges. under Electronic Fund Transfer Act the bank must do so. The stole about {$3000.00} the bank under the law must refund anything over {$500.00}

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 2018-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX  and Trans Union stated they deleted and permanently blocked the following fraudulent and unauthorized credit card accounts from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, {$470.00}, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The accounts are all fraudulent, unauthorized and dont belong to me.

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 2017-09-13
Company: EQUIFAX, INC.
State: CA
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:
Response below : Equifax did not securely store vital financial data they collected on me and millions of other people. Once the data was stolen they did not notify me directly, and had no appropriate solutions. Vital current information, like bank account numbers, addresses and drivers license number were left exposed, as was permanent information, like my social security number. This means I am for ever at risk of identity theft and tax fraud. The only solutions offered by Equifax have been temporary, limited to the next couple of months. Additionally, they have used this as an opportunity to promote other services, trying to make money from their own failure. 

The few options I have as a consumer ( checking my credit score, credit freezes and fraud alerts ) have been nearly impossible with all three major credit companies ( Equifax, XXXX XXXX XXXX ). With Equifax in particular it has been completely impossible, since they seem not to have the resources to deal with all the affected customers. This means I have to spend several hours trying to solve this problem. Additionally, over the course of the lifetime this hack will affect me, I will have to keep spending time and money to freeze and unfreeze my account, and to monitor my credit. This is entirely caused by a company I never chose to have business with in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-05-10
Company: BBVA FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA purchase and closed the online-only bank Simple. It was supposed to switch over on Saturday XXXX. Since that date, the Simple app and website no longer function, but I am unable to log into or access BBVA via their app or website. The customer support number only says " we are experiencing difficulties '' and disconnects

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Response to Complaint ID : XXXX Again I have to make clear that Portfolio has not provided proper validation OR verification in their claim towards me. I dont know what definition of verification PRA is using regarding verification but XXXX XXXX XXXX defines verification as confirmation by oath or affirmation. That has not been produced yet. All the verification they keep flooding me with are a hearsay copy of a bill and a supposed bill of sale. There is no documentation as to how they arrived at the amount they claim gives them the right to access my information. This company has been in continued and willful violation of the law for false or misleading representations, 1692g of the Fair Debt Collection Practices Act for perpetually furnishing their derogatory information towards me without providing this documentary proof and basing their proof of a claim on generic hearsay papers. 
Portfolio, in their response, says they purchased the contracts on these alleged accounts yet continue to fail to provide such contracts or demonstrate where I have signed them, again demonstrating their willingness to flaunt 1692g of the FDCPA and engage in false or misleading representations. If they have business records provided by alleged original creditors showing dates of these accounts being open and are using this to base the foundation of their claims to acquire a permissible purpose to access and report on my credit files, why do they continue to refuse to demonstrate these business records? Where are the affidavits verifying these business records? Otherwise all that is based on hearsay and as has been demonstrated in the CFPBs own consent order against PRA, PRA obtains their documentation in an AS IS basis off of XXXX spreadsheets, not a manner to prove a factual case on. 
The 2004 US District Court for Arizona case, Boatley Vs. Diem makes clear that credit reporting is a form of debt collection and as PRA continues to report without demonstrating a provable basis for their claim on a level higher than hearsay, they must cease reporting and lose my personal information or provide all this information. Anything other than this step proves the lie in their statement that they take compliance with all federal laws seriously and demonstrates a willingness to engage in wire fraud AND mail fraud as well as a total disregard for 1692 of Title 15 of the US code, that deals with consumer protections from having their rights violated by third party actors. Their assertion in saying that we believe that the validation provided resolves the disputes is wrong. It is not their belief that facts and verification is based up. Its not important what PRA BELIEVES, but what they can verifiably PROVE. I expect to see the removal of these items and receive a statement from Portfolio confirming that they are deleting their record of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citi Bank promotion reward not paid out as all requirements were met. Deposit {$15000.00} for 60 days, receive promo reward 90 days thereafter. I deposited the full amount in XXXX and was due the {$400.00} on XXXX XXXX. That amount has not been paid to me.

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 2020-02-05
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit report pulled because every time I kept applying for credit cards I would get denied. To the best of my knowledge I have always paid my bills on time. There are several items on my report that need to be removed. Can you please remove these items from my report. 

12 XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX  XXXX {$4100.00} XXXX XXXX  XXXX {$240.00} XXXX XXXX  XXXX {$440.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX  XXXX  XXXX {$460.00} XXXX XXXX  XXXX  XXXX {$240.00} XXXX  XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  XXXX  XXXX {$460.00} XXXX  XXXX  XXXX {$510.00} XXXX XXXX XXXX  XXXX  XXXX {$240.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$240.00} 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 2022-01-05
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2020 Unauthrized Inquiry on my Credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Unfortunately I have to complain in reference to previously submitted complaint XXXX! I have contacted American Express several times, all the time I am being asked to wait. It got worse these past two days as while I was speaking to their representatives, they are saying that my case was opened on XX/XX/XXXX, meanwhile I have no idea about it. -After submitting my first complaint, on XX/XX/XXXX American Express has replied with a letter, just apologizing and asking to wait for final decision. Let alone I never received any further notification nor letter as they committed, now American Express are telling me that my case was opened on XX/XX/XXXX!!!! Is it my lack of comprehension or American Express ' horrendous customer service? I need a final decision communicated to me via letter as they have promised. I can not take it anymore, dealing with highly incompetent reps. I don't mind them not having an answer, what is frustrating me is the fact they keep telling me untrue information. I have not dealt with one single representative nor supervisor who would own the issue from start to finish. Please, give me a final conclusion, I don't want to deal with your highly poor Customer Service, incompetent and misleading representatives, lack of care from you ( AMEX ) as a company to keep your word!

Company response to consumer: Closed with explanation