BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Sorry this was with secu credit union so i may be on the wrong website. Can u refer to the appropriate agency? 
I was originally approved for a car loan at XXXX to XXXX depending on. Car. Then when i went to get money they refused me because the branch said i had mo drivers license on file no signature and the wrong address. After fixing that fiasco, then i was given a power check for XXXX $ to be used whenever. When u brought the check back to ask to shred it snd give me one for XXXX more the 37 year veteran said he did not know to reissue a power check. Lastly they tried raising my rate to XXXX from XXXX and ran my credit on the day i came to close on the loan. The 800 loan number told me if i got a car less than ten years old i could potentially get XXXX on 60 months or XXXX on 72 months and within hours they denied my loan. Total buffoonery. I asked for my iRA money out over XXXX and these idiots were refusing to give me access or the loan for what reason beside discrimination?? they also caused my credit to go down almost XXXX points. They told me is was XXXX then on yhe day i came to get loan they said they had to run again even with the power check and said it was XXXX. I then had chase run it and it was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received a letter on XX/XX/ via email but I was unaware of this letter. I don't agree with this decision by The Huntington National Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX XXXX XXXX I had my HSBC US Premier checking account approved. 
On XXXX XXXX XXXX I had my HSBC US Elite credit card approved. Annual fee {$390.00} was charged immediately after the card is activated. 
On XXXX XXXX XXXX my HSBC Premier Relationship Savings account has been approved. I immediately saved {$2000.00} in the account. 

I only used my accounts for online shopping payments. 
I do not owe money to HSBC. 
I do not have transactions to/from anybodies else. 
I still have about {$1200.00} saved in HSBC US. 

On XX/XX/, all my checking/saving/credit cards are *suspended* abruptly. I telephoned HSBC US for XXXX times, requesting the reason why. But HSBC US never answered my question. 

In a forum website, about XXXX persons reported account suspended, and most of them are also HSBC premier customers in XXXX / XXXX. It feels like HSBC US just suspended lots of Premier account in a batch without any consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage has 1 ) not appropriately applied my excess loan payments towards principal. They forward it to the next month 's minimum payment. 2 ) put me on internet only notices without my permission, 3 ) and have continued illegal and predatory treatment of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: NATIONSTAR MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed bankruptcy in 2013 at that time my lawyer informed me i was elgible for the hamp program papers were file and the program were granted the new loan under this progam were set at 2 % for the first 5 years and my payment were $ XXXX.since then in a two and half year span my interest rate has remain the same 2 % but my mortgage has increased 3 times i am now at {$930.00}. which is now more than my original payment which were $ XXXX./monthly before entering into this goverment program .I dont think this program were intended to run this way because i am now in a wosrt hardship now than before the program. No notification are ever given and no reasonable explaination are ever given.This program were created to help people stay in their home with this server of my loan now i will loose my home and i have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I get my report and I saw capital one account has opend under my name that account wasn't belong to me and account is fradulent,, CAPITAL ONE date opened XX/XX/2023 /// balance : {$320.00} I never applied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the XXXX financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: PA
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:
Section 15USC 1681 a ( d ( 2 ) ( A ) ( i ) explicitly excludes transactions between consumers and the reporting entity from consumer reports. Nevertheless, Experian is including this information. Such inclusion violates Metro2 compliance standards. Please provide the Metro2 compliance guidelines for reporting transactions to consumer reporting agencies. I request the removal of late payments, collection/charge-off status, and other derogatory data from my consumer reports immediately. Note that I am not seeking validation or verification. Negative accounts have been placed in Collection/Charge-Off Status without providing IRS form 1099-C Cancellation of Debt. This is a violation of 26 USC ss 6050P regarding the Cancellation of Indebtedness Returns. If this derogatory information is not removed within 30 days, I will file IRS form 3949A : Information Referral and IRS form 211 : Application For Award For Original Information with the IRS against all involved entities.

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 2023-10-17
Company: LEXISNEXIS
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
An account on my credit report has not properly been reinvestigated XXXX XXXX acct # XXXX according to 15 USC 1666B. I am challenging the timing of this alleged late payment and if you can not validate then please update to paid as agreed, never late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2023 received a letter stating I owed money for an account. 
XX/XX/2023 I sent them a debt validation letter cease, synthesist, creditor, debt collector declaration requested information pursuant to the fair debt collection practices. 
XX/XX/2023 they sent me a letter regarding my inquiry and once again attached a single page of alleged statement and that's it. 
XX/XX/XXXX I sent them another letter stating that the simple piece of paper was not adequate verification, and that pursuant to the fair debt collection practices they have not fulfilled their end of the agreement. I again sent them a debt validation, letter creditor, debt collector declaration, and requested information, requesting a signed agreement that I have made with the debt collector any agreement that bears my signature and the agreement that grants them the authority to collect this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: CT
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 is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXXI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2023-11-06
Company: Cash Link USA, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a threatening phone call from XXXX with XXXX XXXX. He claimed I wrote a check that was returned as NSF. He claimed I was on a recording denying to pay the check. Threatened with legal action if I do not contact and pay the debt. I saved the voice mail if needed. I am attaching a letter that was sent, after I called to find out what this was about. To the best of my knowledge I never had a loan with XXXX XXXX.

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 2023-11-06
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been a Citibank customer for several months, and to my dismay, my account was recently closed without any prior notification. Despite my persistent attempts to obtain an update on my account, I have yet to receive any response, leaving me in a state of confusion and uncertainty. 

On XX/XX/2023, I contacted Citibank 's customer service department, and I was informed that I would receive a call within 24-48 hours regarding the status of my account. However, to date, no one has reached out to me. Subsequently, on XX/XX/2023, I followed up on my initial inquiry, and a representative informed me that they had opened a case as per my request and that I would receive a callback within two days. I have been assigned a case number XXXX, and the email for the Executive Response Unit is citieru@citi.com. 

I have made several attempts to request a check with my account balance, but these requests have been repeatedly denied. On XX/XX/2023, I received an email stating that my request was denied again to expedite the case. 

This situation is of grave concern as it could lead to severe consequences such as expulsion from school, loss of housing, and repossession of my vehicle. Therefore, I urgently require the assistance of a senior executive to address this matter.

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 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/XXXX i received a notification on XXXX XXXX that i had a new hard inquiry on my credit account. Immediately after, i received an email from Capitol One Credit Card Company that I had been approved for a Platinum Credit Card with a {$2000.00} limit. I immediately called the Capitol One Fraud Department and reported it as fraud. They said they would mark it as fraud and close the account. 

On XX/XX/XXXX I called both XXXX and XXXX to report the hard inquiry as fraud. They both told me to submit an FTC Report and send the report to them, only then they would be able to get to work to remove the hard inquiry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I mailed letters to XXXX, XXXX, and Transunion about inquiries I wanted to be removed due to them having no WRITTEN consent allowing them to furnish on my report. Furthermore, I have waited over 30 days for the required response time. It is actually almost 60 days and there has been no response.

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 2023-10-17
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The minimum payment can not be changed. I attempted to take a {$50.00} minimum payment and increase it to {$300.00}. I attempted this online and talked to a representative and was told " It is a new system and it does not allow us to set that up. '' So a loan structured for 3 years would take 20+ years to pay and I'd be responsible for tens of thousands of extra interest. This is super shady and certainly stacks the deck in the bank 's favor. Anyone not paying attention would be fleeced by this despicable practice.

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 2023-02-15
Company: OneMain Finance Corporation
State: SC
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 and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: SECURITY CREDIT SYSTEMS INC
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had asked to change my payment date to the XXXX of the month from the XXXX. Which they did but they were reporting I was making my payments late and adding on fees. Now the last 3 months I had called to push my payment out which they agreed to and I made those payments and again late fees and reporting I wasn't making the payment to the credit bureaus. On or about XX/XX/XXXX I spoke with a customer service rep and told her I would not be able to make the payment for XX/XX/XXXX until XX/XX/XXXX, she instead set it up for XX/XX/XXXX and again I got a late fee and reported none payment!! They also cancelled my payment arrangement for the XXXX of each month multiple times. This is ridiculous!

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 monetary relief
Consumer complaint received 2023-10-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase and XXXXXXXX XXXX  opened accounts with JPMorgan and XXXX XXXX disbursements and gave me a small percentage then never funded my checking accounts. Chase let a banker named XXXX XXXX move an investment account..now says they can't find it. They also moved an account to XXXX XXXX without authorization..now deny it exists. 
XXXX says an active for home banking account was just a debit card and I'll be arrested if I go to the bank. That's a money market account. XXXX XXXX only pays in dividends. It says so in the brochure. An attorney said all my deposits are securities and they have to give them back. 
XXXX XXXX XXXX texas

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act ) IN XXXX XXXXXXXX XXXX XXXX XXXX {$8900.00} OPENEDXX/XX/XXXX15 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. 

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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. 

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, TransUnion, XXXX, written permission to furnish these accounts. 

REMOVE OR DELETE THE 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 non-monetary relief