BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
HSBC bank sent me to a collection agency 7 plus years ago. I was contacted by the collection agency and payment arrangements were made. They took out of my checking account the amount agreed upon for 3 years. After the 3 years was up another collection agency had taken over the first collection agency. I was told that my account was settled and paid in full. It was taken out every month from checking account. About 9 months later in XXXX I filed bankruptcy on my other credit cards. My attorney even said that my HSBC was paid for. So, today XXXX XXXX, XXXX 4 years after I had HSBC paid off I get a call saying that I have not paid HSBC off. I tried to explain to the woman on the phone that it was paid and she said that they were taking actions against me to get it paid because their office says it was never paid. I also told her I have had a bankruptcy since I paid it off and it was not owed at that time either. It was taken out of checking account. She wanted proof. That account was paid off over 4 years ago going through papers from that long ago is not feasible at this time for me. She got mad and hung up at me. I waited a few minutes to call back and they hung up on me again. This account was paid in full. It's not my fault they can't do the proper paper work on their end

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: EQUIFAX, 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, Oh XXXX In XX/XX/XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX   offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. XX/XX/XXXX I recontacted customer service to inform them that I was still in a financial burden with having to pay for insurance deductibles that was caused by the storm and not qualifying for FEMA assistance. At that time, they offered an extension of the forbearance from XX/XX/XXXX - XX/XX/XXXX, with the same benefits offered as before. When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XX/XX/XXXX when these same charges were being improperly charged. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to XXXX XXXX XXXX in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to XXXX XXXX XXXX because they were unable or unwilling to honor the original forbearance guarantee. I have disputed this with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and Equinox to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24
Company: First Data Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried numerous times to get this erroneous credit Reporting by First Data resolved. I am requesting a verification of this debt, which I am intitled to receive upon request in writing within 30 days. My mailing address is XXXX XXXX XXXX XXXX CA. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
CONSUMER FINANACIAL PROTECTION BUREAU. 

I am banking with HSBC in the California.XXXX.Brances. 
I have a Saving.checking, creditcars, debit card with HSBC. 

I can not use my I account properly on internet access the HSBC WEB SITE is BLOCKED for account transaction. My social security account in deposit it where I can not withdrow.My account is blocked by HSBC. 

HSBC web site, main address. Us.hsbc.com This web site used to before for transaction..Now I can not access with login pass words etc.HSBC web site blocked for login .Error Code is blow. 
Also HSBC is not provided XXXX pc compatible mobil software solution. 

LISTED ERRORS. 
1-XXXX Cant Find the Server XXXX cant open the page https : //www.services.online-banking.us.hsbc.comXXXX XXXX because XXXX  cant find the server www.services.online-banking.us.hsbc.com. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This site cant be reached www.services.online-banking.us.hsbc.coms server IP address could not be found. 
XX/XX/XXXX. 


I have reported problem to HSBC tech support on chat room technician-IT dept XXXXat XXXX, XX/XX/XXXX : This is the ticket number to reference, XXXX. and XXXX. 

I have filed a complaint for HSBC BANK in XX/XX/XXXX and XX/XX/XXXX to Consumer Financial Protection Bureau. 
I can not use my bank accounts. HSBC Bank is violating Banking Regulations and consumer protection law continuously. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of IDENTITY THEFT. On XX/XX/XXXX I filed a Identity theft report regarding FRAUDULENT information on my credit report. I alerted each credit bureau by facsimile by sending a copy of the FTC identity theft report on XX/XX/XXXX. Each credit bureau immediately placed a extended fraud alert on to my credit file including EXPERIAN. XXXX  and XXXX immediately removed the fraudulent information that was listed on the Identity theft report from my credit file. Experian on the other hand still has these FRAUDULENT Credit inquiries and a FRAUDULENT address listed on my credit file. Even after I faxed the Identity theft report for a 2nd time on XX/XX/XXXX. EXPERIAN for a second time on XX/XX/XXXX. They have constantly ignored my request to have those FRAUDULENT credit inquiries and address removed from my credit file.

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 2018-12-04
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This Company just closed my account without calling me or sending me emails to confirm items on file. I spoke with a manager by the name of XXXX on XX/XX/2018 he refused to give me his last name but He told me the company was protecting me from fraud and they decided to close my account for my protection!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions Inc.
State: MS
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 have a account XXXX XXXX XXXX is showing on XXXX and Experian credit reports the account was investigated and deleted off XXXX  and I have disputed with XXXX and Experian via letters and fax in the guidlines of my rights in section 611 and 609 of FCRA to challenge their right to report the two bureaus to follow suit and delete account off of remaining credit reports to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Chase bank has completely refused to mediate and resolve several matters with their company and customer service issues I have had as well as billing. I have been charged for expedited card replacement fees in which I did not receive the several cards ordered and I was provided with misleading information from Chase bank as to the delivery of the card and other misleading resolutions to the several ongoing matters. I spoke with a supervisor from chase who confirmed my account was in good standing and at a XXXX  balance and that I was eligible to close the account which she said she did at the point and that it was immediately closed. Chase has refused to close the account per my request or resolve any other matters of concern.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX XXXX I asked them to send me a letter saying they purchased the debt and how much it was purchased for. She started yelling at me and talking over me without listening and I told her to stop contacting me and she kept yelling at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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: Investigation took more than 30 days

Complaint:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over 710XXXX XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello I just turned XXXX today and I thought to myself, where do I need to be in life? So the first thing I think of is college!! Well I go to apply for a student loan and my credit report says I have had one since XX/XX/XXXX of 2011. They say I owe them a total of {$10000.00} and I swear I NEVER EVER applied for any loans especially not a student loan I never went to college. Now my credit is ruined because of the delinquent accounts. What are my options? What can I do from here? The only thing I know is it's from a company called Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Experian Information Solutions Inc.
State: NC
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: Other problem getting your report or credit score

Complaint:
I tried to get a refinancing from a bank. They checked my credit score and found my credit score from XXXX is not available. I had a mortgage account which was opened last XXXX. On the credit report, it missed my mortgage account on my credit report.

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 2019-07-15
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed out of {$260.00} for two concert tickets. 

On XX/XX/XXXX, I was contacted through XXXX in regards to a post that I listed seeking tickets to a concert in XXXX, CO for XX/XX/XXXX & XX/XX/XXXX. 

The scammer stated that he would first send me tickets through the approved venues digital ticket system, XXXX XXXX ( AX ). Once I confirmed that the tickets are in my possession I could send payment through a XXXX app called XXXX. XXXX is linked and approved affiliate with my bank XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, the scammer sent me the first ticket for the first show on XXXX. This was confirmed through my Flash Seats account and an email from Flash Seats confirmed transfer of ticket to me. After I confirmed, I sent 1 payment for {$130.00} through my bank app XXXX XXXX XXXX XXXX using XXXX, transaction number XXXX. This was repeated for the XXXX ticket for the show on XXXX with another confirmation email from Flash Seats and XXXX transaction number : XXXX. 

First transaction was for {$130.00} for 1 general admission ticket to the XXXX XXXX XXXXXXXX XXXX on XXXX. This transaction is recorded through XXXX and the notes will show " XXXX XXXX GA ( my morning jacket night 1 general admission ) The second transaction soon followed for {$130.00} for 1 general admission ticket to the My Morning Jacket Show on XXXX. This was also recorded under the notes transaction with XXXX as " XXXX XXXX GA ( my morning jacket night 2 general admission ). 

On XX/XX/XXXX, I checked my XXXX seats account and noticed my tickets were no longer there. I contacted them asking what happened and they stated the user account who transferred the tickets was flagged for fraud, so all tickets were recalled. I was never notified of this. Unfortunately, since I did not purchase tickets using their system, I have no recourse. 

I reached out to XXXX that same day. They told me that I need to contact my financial institution since, it was done through them and not XXXX independently. 

On XX/XX/XXXX I filed a dispute/fraud complaint with XXXX XXXX XXXX XXXX. Claim number XXXX. I was told to contact CFPB and the local law enforcement. 

Hopefully this will be fixed through any of the parts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: SUNRISE CREDIT SERVICES, INC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX REFUSED VALIDATION REQUEST AND INSTALLED INQUIRY ON MY CREDIT. IGNORED CEASE AND CEASE, PAID ORIGINAL CREDITOR.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: AES/PHEAA
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reporting is incorrect on all credit reports. I am current on payments as of XX/XX/2019 and derogatory items are being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I mailed in credit investigation requests on XX/XX/XXXX. I was supposed to receive something back within 30 days, but so far, I haven't received anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm quite informed on the legal proceedings in regards to preventing judgements from being entered ( in terms of submitting an answer/requesting a trial date and such ), so I never let me summons/trial notices go ignored ( learned the hard way with a 12 year judgement that took months of research and years finally getting removed without having to satisfy payment ), but was recently issued from small claims a Default Judgment against me, granted to the Plaintiff, Portfolio Recovery Associates, LLC. I'm quite familiar with the array of debt collecting companies, and I, nor my husband, said that I was served for this said judgement, or I would have answered to it like I normally do, by sending certified answers to both the Plaintiff and the Court. I have no idea how this was granted without my knowledge at all that it was happening. I did access PRA 's site and logged in, it then said that it can not display my account info at this time and to call XXXX, XXXX, XXXX, XXXX. I'm assuming said debt has been sold again? How is a judgement without my knowledge of any of this occurring? The stranger thing is that I DID receive a summons 10 days prior to this judgment being granted, with XXXX XXXX, XXXX., suing me as well. I did send a certified answer to that case number, and received my trial date for XXXX, but I am very confused on how this is possible, if it is, what steps I should take if I swear I was not notified via mail, and if I was, how far back can that summons/serving to the defendant be substantiated for? I was under the impression that there is always 14 days to answer. My only thought is that I possibly may have been served in a previous year, but don't see how that could be possible if the judgement was just granted, since court dates are typically within the next 1-2 months ( that I've experienced, and I've gone to several of these trials ). I'm located in Alabama and would love your input/advice. Should I pay to seek court documents? I do not want to have to pay several hundred dollars to appeal in Circuit Court for a {$1100.00} judgment, but I do not think this judgement is fair. Not sure if I should contact FDCPA or what my next step should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT AND IS STILL REPORTING AS A DEROGATORY. CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE THIS DEROGATORY ACCOUNT REMOVE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation