BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
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 am an XXXX practicing in XXXX and XXXX. I was admitted to the XXXX   approximately 35 years ago. My experience with HSBC has been singularly unsatisfying. 

Around the end of last year I read an article in one of the financial magazines which listed the HSBC card as one of the best interest-frees cards available. I am working towards my XXXX XXXX XXXX. I applied for the card because I thought I would put my XXXX expenses on the card until I obtained my license and then pay off the balance before the end of the interest-free period. 

I applied for the card. I heard nothing so I followed up. I was told that they could not verify my identity so nothing was done. It would have been nice to know. Instead I was never informed. I was told to apply again - which I did. 

Again, after much time I received an email saying that my application was granted and that a card would be mailed to me. I never received the card and attempted, unsuccessfully, to follow up. I heard nothing until I received a fraud alert on the card. I never received, activated or used the card. I contacted HSBC and filed a fraud claim. I received a letter denying the claim ( for reasons I do not understand ). On the same day I received a letter from HSBC asking me to fill out and return a fraud complaint. I did this and have heard nothing. 

I canceled the prior card and was issued a replacement with a {$1500.00} credit limit. I have a higher limit when I was 18. Based upon my experience thus far with HSBC I did not activate the card. 

Last week I received a letter claiming that my application for an increase in the credit limit was denied. I never made this request. As stated, I have the card but never activated it. 

Yesterday I received a bill from HSBC for the fraudulent charges in the amount of {$1000.00}. Have not contacted HSBC again. Instead I am filing this complaint hoping for a resolution of this matter.

By their action I can only assume that HSBC is accusing me of fraud since they apparently do not believe my statements made to them regarding my non-use of the card. This is quite troublesome.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I sent them a letter on XX/XX/XXXX ; In XX/XX/XXXX, and in XX/XX/XXXX asking them to verify the debt and amount due. I made several payments to Ad Astra in XXXX and XXXX towards the balance of the loan, but my credit file still reflects the original payday loan amount of {$660.00}. I have reached out to them via US Postal service but haven't recieved 'any ' correspondence back. I need for them to update the amount owed and work with me to resolve the balance or remove the incorrect information from my credit report altogether due ti inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have removed someone from my checking account two weeks ago and they used a check to withdraw money from my account. We were both still on the checks and I didn't know they still had them. When removing them from the account I asked the banker if they would have any access to my account or the money in it and they said no. I called Chase and they told me it is up to me to get the money back because both of our names are on the checks even though she is not on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: SUNTRUST BANKS, INC.
State: TN
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:
Issue is not well described in any of your choices. It concerns a policy in place at my bank which is illogical if not indefensible. I have banked at same branch for 10+ yrs., credit rating exceeds 800. An attempt was made to scam me via XXXX which failed. During discussion with my bank mgr., BEFORE depositing check into my account I learned ( Wed., XX/XX/17 ) that if I had deposited the check ( corporate check made out to my name ) it would have been rejected as fraudulent and all MY accounts would be frozen. This was accompanied with discomforting comments about how difficult, time consuming and very expensive it would be to have the accounts released. 

This does not seem fair to me. Why would n't the bank simply reject the check and, possibly, charge me a returned check fee? Since I never asked for cash and understood the check would take some days to clear I do n't see why the bank should " lay claim '' to my money for an indeterminate period of time when they have not parted with any of the bank 's assets. 

I can only imagine the intention is to hold a known, guaranteed amount ( my accounts ) while they reap interest for investing my money over a short period of time from which they will enjoy interest return on investment. On previous occasion I presented bank certified cashiers check for deposit at same branch, expecting the funds to go in as cash. I was told they would be held for one week " to clear ''. I demanded the branch mgr. call the issuing bank to verify the check which he did in front of me. After a brief conversation with the issuer ( 5 min. +/- ), suddenly the full amount of the check was made available as cash in my account. If this were bank policy, law or regulation their initial decision should not have been changeable just because I challenged the absurdity of it. Again, my money ( known to be backed by valid check ) is in their hands for investment for a week with no justification I can see. I am available for discussion in detail if needed, assuming you can simply respond to this submission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Trans union is reporting a debt that I do not owe. This debt has not been validated as mine. 

Lender Name : Collection Amount : {$4500.00} I have tried to dispute on several occasions.

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 2017-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have on several occasions requested my Annual Free Credit Report from TransUnion. The request was made twice in writing and twice on the telephone. In the last letter I received, dated XXXX/XXXX/XXXX, they stated Our records show that TransUnion has provided you with the file disclosure ( s ) you were eligible to receive free of charge within the past twelve-month period. I have not received a copy of my report in the last XXXX years. What I do received from TransUnion is a weekly email soliciting membership, which includes credit report information for a fee.

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 2021-08-22
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Its because my life including my social security number and credit bureaus are all under a fraud from a app called XXXX or Robinhood. My information was used by several different people to start an investment pymaird scheme just use my information for the XXXX market the Bitcoin and to sell my identification for real estate marketing. I cant look at or go into any of my information and I am stuck not knowing what to do. Last night at Saturday morning at XXXX XXXX I called the Police for them to help. This morning at XXXX XXXX I filed some more updates on the FTC.Gov to let anyone know that my life is now in danger by terrifying threats and situations. And I just sent out the same detailed information to the FBI. Now tomorrow I got call more government credit companies just to help me out to fix all this or to see if I can get my ssn changed or adjusted. This is a lot for me and I need the help very urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: National Credit Adjusters, LLC
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: Account status incorrect

Complaint:
account was paid settled on {$150.00} for it to be removed from my credit over the phone. paid debt on XX/XX/2021 credit is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: AL
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 XXXX and XXXX of XXXX I disputed with this credit reporting agency about the inaccurate reporting of collection items XXXX XXXX  -- XXXX because this Account is transferred for recovery, but is reporting a balance of {$13000.00} in a past due amount of {$13000.00}. Also, XXXX XXXX -- XXXX XXXX -- - reporting XXXX different dates of last activities. XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on Equifax. Also, there are different high balances being reported. {$7500.00} on XXXX and XXXX, {$6000.00} dollars on Equifax. This is a violation of the Fair Credit Reporting Act. So now I'm contacting the CFPB to step in and help me get this issue as of today. I have uploaded my proof. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: MO
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:
EQUIFAX PLACED ACCOUNTS THAT HAS ALREADY BEEN DELETED BACK ON MY CREDIT REPORT.. THE FOLLOWING FRAUDULENT ACCOUNTS WERE ALREADY DELETED : XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX OPENED : XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: EQUIFAX, INC.
State: MO
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:
After disputing the following inquiries the 3 reporting agencies concluded that the un- verified accounts been verified, neither company sent me any physical documentation to support their reporting inwhich the investigation stated " up dated ". Now according to the FCRA rule of law, if there's no physical evidence then the accounts shall be removed. The following inquiries in dispute are.. XXXX Credit Cards ( XX/XX/XXXX ), XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX Miscellaneous Reptg. Agencies ( XX/XX/XXXX ), XXXX - Telephone ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: NCC Business Services, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DATE REPORTED XX/2017 AMOUNT : XXXX ACCOUNT : XXXX The account balance is incorrect, please delete. 

THIS DEBT WAS HANDLED IN COURT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I used have checking and savings accounts with Bank of America for 5 years.The bank closed my account reported to XXXX XXXX and XXXX on last XXXX.When I have contacted them they say its a check fraud and which wasnt done by me.I didnt deposit that check, I lost that check book and other cards.As I have attached in previous complaint the bank which validated the ID theft on my name is Bank of America. 
I want the bank to set me free from the reports and wants to remove negative information under my name.I dont want to make a claim at bank because I dont trust them any more since after 5 years of business with them they harassed me like 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 2020-10-09
Company: Experian Information Solutions Inc.
State: VA
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:
Ive contacted XXXX, Experian and XXXX  XX/XX/XXXX, XX/XX/XXXX and Experian again XX/XX/XXXX regarding inaccurate information being reported on my credit report. They respond each time saying they verified the information as accurate. However the information being reported is in non-compliance with the FCRA which is in violation of my rights. I informed Experian the creditor XXXX XXXX XXXX is reporting inaccurate data 1. Date last updated says XX/XX/XXXX but I disputed this XXXX XXXX- 2. Past due reporting on a collection account, this is a violation 3. Late payments/payment activity reporting on a collection account this is a violation They replied saying they verified the information as accurate and it still remains on my credit report to this day! 

Creditor, XXXX  XXXX XXXX 1.Past due amount showing on charged off account. 
2. Account shows 3 different dates last active : Experian XX/XX/XXXX, XXXX  XX/XX/XXXX and XXXX  XX/XX/XXXX. Additionally, this account has been re-aged. 

I asked them all to delete both accounts for FCRA non compliance which they havent. So due to these errors my credit score has suffered. 

All 3 bureaus failed to complete a proper investigation because they profit off of these errors. 

The FCRA thus requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the furnisher has reasonable cause to believe is inaccurate-which they know this information is NOT! 

XXXX  has merged my account with my ex-boyfriend from over 10 years ago and they refuse to delink our accounts. I have requested a personal pin to be mailed to me in order to access my info. I received it and when i go on their website they say i have no account, so i contacted them via e-mail. The rep told me they fixed it yet i still cant access my account online and i always fail verification because they ask me about HIS car loans and mortgage lenders which clearly i do not know this information. They wont give my a copy of my credit report even though I have sent in my ID AND BANK STATEMNT documents for a dispute! 

Ive asked them NUMEROUS times to fix this but again they make money off of errors they dont actually care about providing customer service.

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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i am victim of identity theft and these accounts that i listed is not mine. i listed the items in the attched fromed. i need these items removed asap. i am victim and someone use my info and name. this is is stopping me from moving forward with my life. please remove asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX I found accounts not belongs to me I have a big problem because the person open that accounts has all my information and open fraudulent accounts under my name this is a fraudulent accounts.

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 2018-10-06
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This fraudulent account was at one time disputed and removed/deleted from my credit file Now it is listed again on my credit file under a different creditor/ account number, Same company XXXX. Initially it was opened under a XXXX XXXX for his credit under my name Fraudulently. Here is proof below : experian_logo Prepared for XXXX XXXX XXXX Personal & Confidential Date Generated XX/XX/XXXX Report Number XX/XX/XXXX divider About Dispute Results Our  reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 


If an item you disputed is not in the list of results below, it was either not appearing in your credit file or it already reflected the requested status at the time of our reinvestigation. 
Here are your results XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 

XXXX icon Deleted You can contact XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX, XXXX , NC XXXX or ( XXXX ) XXXX After your dispute : This item was removed from your Credit Report. 
Before your dispute : Account Name XXXX XXXX XXXX  Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Original Balance {$1100.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Payment History

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I haven't had access to my online account in over a year. They intentionally block users from seeing their balance. I had zero interest and then suddenly they added the interest because the account was not paid in full. The issue is had I been able to see my account I would've been able to increase my payments to close the account before the interest hit the account. Every time I need to make a payment I have to call them and I cant see my balance to know if they are applying it to my account and I dont know if the balance is decreasing. 

I have called and spoken to the payment department and they insist that the account can not be viewed because they updated the system. They have been saying that a year now. Im paying them blindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions 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 am a victim of identity theft. Someone unknown is using my name and my information and opened accounts on my name that are unauthorized and fraudulent. I filed the report with the FTC XXXX and contacted the creditors and bureaus about this manner.

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