BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for the {$750.00} bonus offer to open an HSBC premier checking on XX/XX/2019. Shortly after opening my account i got a call from my relationship manager. During that conversation he had asked if i opened the account solely for the bonus and i told him we will see if I like their product but part of the reason was for the bonus. I met the requirement by submitting direct deposits over $ 5k each month in XXXX, XXXX and XXXX. In XX/XX/2019, I contacted HSBC via their online chat to confirm i met all requirements and was told i met them and its just a matter of time to get the bonus. I also contacted the relationship manager who also confirmed i met all requirements and should receive bonus in 8 weeks. In XXXX, I contacted HSBC again about my bonus and this time i was told to send an email to their Compliance team. Their claim was i didn't open the account by clicking on the offer page and i should send any proof i had. Luckily enough i still had my XXXX  browser history which showed i started the application from the offer page. The sole reason for opening this account was for the bonus. This is not the fist bank i have signed up for bonuses. I am 100 % sure i started the application from the offer page which was sent as proof. HSBC is declining to pay the bonus. I am not sure what other proof i need to show. I was mislead with every conversation and 6 months later they are declining to pay the {$750.00} bonus. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2020-03-31
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am receiving derogatory remarks on my credit score / credit report from an account in collections from a company I do not know and do not owe {$290.00} to. I have not received any calls about this amount due and was not served any paperwork from this company. It is weighing down my credit score and I would like to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
XX/XX/2020 I mailed letter to company I received no change or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Client Services, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have asked Client services on three separate occasions to provide me with debt verification, including : 1 ) the identity lf the original creditor 2 ) an Original copy of the contract between myself and he original creditor 3 ) the proper and legal assignment contract between the collection agency and the original creditor ( proof that you are legally assigned to collect this debt on behalf of the original creditor just buying debts for pennies on the dollar to collect illegally ) ; 4 ) proof you are licensed to collect debt in Colorado. 5 ) a line by line accounting of the original account ( transaction history, a full breakdown ) 6 ) proof that you the collection agency are in compliance within the statute of limitations for Colorado.

They just keep sending me copies of statement that shows no activity. They send statements of a charged off amount continually being charged more fees. I have asked them on 3 separate occasions to provide this or cease and desist from contacting me. I am still getting phone calls and mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I 've gotten a couple calls from XXXX telling me there going to serve me papers on a debt that was discharged from bankruptcy. ive told them its been discharged and its past SOL I was told that I could prove it in court then

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My wife was contacted by a blocked number that gave her the number XXXX XXXX  XXXX XXXX They stated that a process server was going to come today and wanted to confirm our address. I called them back and was initially confused because the debt they were going to sue us for ( breach of contract, fraud, etc. ) was past the statute of limitation and that they were going to put a lien on our house. Basically ALL the expected strong arm tactics of a bad Debt collection business.

Once I started figuring out what they were up to, I called back and asked them to give me their address, without identifying myself. The individual I talked to Started reading me a pretend address where the numbers were my and my wife 's social security number. ( XXXX XXXX XXXXXXXX XXXX ), for example, additionally he started insulting me and and asked me to grab a crayon to make sure I wrote everything down correctly. Then I was transferred to another individual and they gave me the address of XXXX XXXX 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 2017-01-19
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am complaining about Navient. 

I was pushed into a forbearance program even though I was willing and wanted to lower my payments. This has resulted in accumulated interest that is crippling my ability to pay this down even after paying for 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: SLM CORPORATION
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Have received Sallie Mae biilling notice, acct # XXXX, but not sure that all XXXX loans are in my name or son 's name. The bill is not clear, there is no date that the loan was taken out, for what person and what schoo. XXXX of the loans I am wondering if it was even mine ( ours ). The other concern is the high rates 10.375 %!!! I am a little surprised at the high rate -- they should be fairly low ( lower ) due to the low interest rate as well. First Salle Mae 's billing summary stinks and is not clear ( I should easily have access to my account to clearify what ( school ), when and to whom the loans are for because there maybe an error. Secondly I would like to consolidate or at least get lower rates, Sallie Mae does not provide that information as well. Concerend there is an error in my loan. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Nelnet, 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: Personal information incorrect

Complaint:
Great lakes needs to put me on repayment and accurately report the amount I owe to the credit bureaus. I am being harrased by great lakes. There is also XXXX XXXX with case number XXXX and his number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Credit Karma, LLC
State: NC
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:
Credit karma sent me pre approval offers from lenders. When I followed their credit repair directions and applied I was denied or approved but required to pay high interest rates and administrative fees. They also opened a checking and savings account promising to reflect my good status as a credit score incredibly. They closed my account with out due cause, provided me no reason and my bills and deposit amounts were frozen. This also caused me to go into bad debt status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/2019 I filed a disputed with Equifax regarding 2 fraudulent collection accounts on my credit report, 1 with XXXX XXXX and the other with XXXX. I called to check on the status of the report on XX/XX/XXXX and was told the items were still under investigation. I called to check on the status again XX/XX/2019 and was told both items came back verified on XX/XX/XXXX. Magically and investigation had been completed prior to calling but I was told it was still in investigation on XX/XX/XXXX. I asked for an independent investigation showing how the item was verified XX/XX/2019 asking to speak with several supervisors and they ALL said " we don't conduct independent investigations. '' I informed them it is FEDERAL law and they stated they only follow company policy. I again informed them that was illegal as they furnish data and that can be considered defamation and under 609 federal law if the item can't be verified with physical documentation ( i.e. A contract ) it must be removed. They proceeded to say " take legal action if you want to. '' These accounts need to be removed immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I was informed today from my Business Loan Officer, TransUnion is reporting an alleged Child Support claim as a BANKRUPTCY on my consumer report, this failure committed by TransUnion, to do a complete and thorough investigation into the report from the furnisher, which was not the courts, possibly a 3rd party, before reporting it on my consumer file, has resulted in denials for essential funding for my business, ie. Grants, Loans, and even business funding. TransUnion has caused me and my family, severe financial loss and emotional damage as a result. This company is in, and has been in direct violation of The Fair Credit Reporting Act In accordance with the Fair Credit Reporting act. TransUnion has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 

This company has been in violation of the Fair Credit Reporting Act in this case since at least XX/XX/2018. 

This account shall be DELETED and removed from my file for providing, inaccurate and false information. I never filed Bankruptcy. This statement has resulted in severe financial losses. No to mention the damage it caused my family in emotional hardship. 
I will be seeking legal relief in this matter as well as financial compensation, if this matter is not resolved to my satisfaction promptly.

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 2017-10-02
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Seterus has an address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX. 
However they ask for insurance once a year, and after receiving the insurance policy as proof, they still continue to send letters asking for the same info. 
After the 2nd letter they start charging you for their insurance. 
This insurance company name is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX. 
If you call you are sent to a call center, and are told they have no knowledge of your account. 
We regret purchasing a loan from XXXX XXXX XXXX who sold it to XXXX, who sold it to Seterus, which is actually a collection agency. 
Our loan number is XXXX. 
Thank You 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 2022-09-01
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citibank draft {$50000.00} from my credit union account to fund a Citibank savings account on XX/XX/2022. Citibank initiated the transfer but on XX/XX/2022 Citibank had concern that the deposit was fraudulent and removed the {$50000.00} from the account and credited the account {$4.00} for six days interest, less {$0.00} Federal Withholding Tax leaving a balance of {$3.00}. On XX/XX/2022 Citibank finally credited back {$50000.00} to the account but did not credit the account for the interest the funds should have earned over that time. I have made several attempts to resolve this issue with Citibank ; only to be told that the account didn't earn interest during that time period because the account only had a balance of {$3.00} and didn't qualify for any interest. The {$50000.00} was debited by Citibank and being held by Citibank somewhere and should have earned the interest promised as the deposit wasn't fraudulent.

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 2021-11-03
Company: Aargon Agency, Inc.
State: NV
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:
According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give any consumer reporting agency permissible purpose or written instruction to furnish any reports on my behalf. The fact that AARGON COLLECTION AGENCY is reporting to my consumer report is a violation of 15 USC 1681 ( a ) ( 2 ). I have already tried to clear this issue with XXXX, but they use a stalling tactic to deny my requests and state that they don't have authorization to tend to this complaint but this is me and XXXX has my full consent to resolve this violation.

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 2020-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had 2 Capital One for 3 years and 10 mths. I quite utilizing their cards for cards because they allowed a company to defraud me by {$1000.00} and forced me to pay the amounts after crediting and charging me back twice in 3 months. This is still in litigations due to Capital Ones actions.

I have requested credit line increases SEVERAL times over the past 2-3 years. Several times I got denied without written correspondence of reasons why. Last credit line increase I requested 3-6 months ago I was denied because I " do not utilize their credit line efficiently '' I then started utilizing their 2 cards. Last credit line increase I had was 2-3 years ago. I have no missed payments. I ha
ve utilized the card responsibly for almost 4 years. Capital One refuse to increase my credit limit from  XXXX and XXXX. I do not know why I am being penalized. I have attempting building my credit since XX/XX/XXXX when I filed bankruptcy and now Im not adequate or good enough consumer to increase my credit lines. Both cards started at XXXX credit limit and they did 2 credit line increases YEARS ago. I am requesting investigation as to why my credit lines increase requests are not being processed and/or denied without sufficient reasons. I believe I am being penalized because I have filed MULTIPLE complaints against Capital One for allowing XXXX XXXX XXXX XXXX to defraud {$1000.00} from me in XXXX these cards are my longest standing accounts and have been attempting to build credit and utilize these as debt to ratio reasons as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: AR Resources, Inc. (FL)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was involved in an accident at the end of XXXX 2016. The other driver was found to be at fault. The driver was in a work truck pulling a trailer and rear ended me going around 40-45 mph. I was seen at a local ER within the next 2 weeks and then was seen by XXXX and now an XXXX XXXX. The bills I received originally I sent to my insurance agency to pay, and I was under the impression that these were covered completely. They were not, however, two in particular were applied towards my deductible and an outstanding balance remained. I moved addresses from XXXX area to XXXX area and had my mail forwarded to the new address but did not receive any further contact stating that any balances remained. I did not receive mail, phone calls, or emails despite my phone number and emailing being up to date and current with both agencies. I did not know about the balances until I received bills from collections agencies. AR resources Inc and XXXX XXXX XXXX XXXX. I have attached those bills. I also had a credit report done and these collections have made my credit score drop over XXXX points. If I were to have been contacted by the original billing agencies properly I would have gladly paid the bills to avoid collections and just received the settlement from the insurance at a later date. The debt collectors ASSURED me that if I pay it will immediately come off my credit, but I am concerned that it will only show as paid debt and still be on my credit bringing it down for 7 years. The original billers were XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I contacted both of these companies and they stated that they mailed me bills, however I did not receive them and they did not make any attempt to call me or email me or I would have gladly paid the bills. Instead, this is now effecting my previously PERFECT credit and literally destroying my finances and making it difficult to get a home loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells fargo falsely over charged me with overdraft fees.

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