BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I booked a flight with the HSBC rewards program. My card was supposed to be charged for the entire amount {$740.00} USD and a statement credit of {$650.00} USD to be issued for the Points I selected ( XXXX ). 
HSBC never posted the credit nor removed the points as agreed. 
I have contacted the client service team multiple time and even though they said they had a tech issue and that the Back Office would address this problem its over a month now I have no updates or status from their side. 
Every time I called the service team said a supervisor needs to action but there was not one available at any point. 
I have also raised the concern with my relationship manager, no solution provided. 
As a consequence I am taking a loss of {$650.00} that was not part of my financial planning for the month and there is no response from the institution. 
The ref of the claim is XXXX ( I managed to get a # after many many times asking ) - however I wouldn't trust the HSBC tracking method for open claims as the multiple times I called there seemed to be no proper register.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX

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 2022-06-15
Company: MONEY SOURCE, INC., THE
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2022 My lender with XXXX XXXX XXXX, review my final Closing Disclosure over via phone also receive text of full Closing Disclosure also of Monthly Payment of {$1500.00}. 

XX/XX/2022 closed on my home with all the Closing disclosures docs the same as previously discussed with my lender on XX/XX/2022 with my first payment letter stating that Monthly payment will be {$1500.00}. 

XX/XX/2022 My Mortgage Loan transfer from XXXX XXXX XXXX to The Money Source. 
I received a letter in the mail, thats when notices a significant larger monthly payment of {$1700.00}. 

XX/XX/2022 I called XXXX XXXX and the Money Source multiple times to try to resolve this issue. 
. 
. A mistake was made on there side evolving the Closing docs they need to make it right. All Closing Disclosures are final at the closing table thats fair and the correct thing to do. 

XX/XX/2022 Ive also took this letter to the Lawyer that was present at the Closing table when I signed. 

XX/XX/2022 This issue is still not resolved. Filing a Complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I had purchased a Netspend debit card from XXXX for {$20.00}. Unable to use or activate.

Calling their help # multiple times repeatedly disconnected or unwilling to help- they keep saying " card # not found '' and have me entering full 9 digit social security number, date of birth, full name ( spell it out ), address ( spell it out ) ... and at one point I realized this is a fishing attempt and they should not be asking these type of personal questions. If they were a legitimate company they could easily have looked up my credit report with my name, SS # ( most companies just ask for last 4 digits- I had to provide the complete SS # ) and DOB ,
and then i realized the mistake. I asked them to delete/cancel completely my account ( I'd rather loose the {$20.00} then have my identity used for nefarious purposes ). They had then the gall to ask me to send/fax a copy of my driver license, social security card, passport etc. It's pretty shady and I have no idea what nefarious purposes they will put the info i already provided naively.

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: EQUIFAX, INC.
State: OH
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:
In regards to the Equifax breach, I have been trying to enroll in the protection plan. However, they are making it unduly cumbersome and is beginning to feel like an exercise in the quixotic. 

I signed up a week ago. The website told me to go to another website in 5 days to complete the process. There were no originating or follow up emails - instead I copied the link and added a reminder in my calendar. I went back to the linked website on the day that it would be ready and effectively had to repeat what I did the first time. This then took me to a second step wherein I had to submit all of my private information. After completing this step, the website stated that I would receive an email to confirm my sign up. An email that I have still not received. 

This is a ridiculous process and one which I highly doubt is nearly as cumbersome if I were to just pay for the service at a different time. ( On a side note it is also ridiculous that this protection is only being offered for one year where I believe 10 years should be required. On a second side note I truly hope that Equifax and all it 's ( previous ) shareholders are held to account ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: CAC Services, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
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:
A debt collector is saying he can take away my business license and property over my employees debt. He is calling 2-3 times a day, and only when the employee is not at work. I'm XXXX years old. He says he's sending the sheriff out to close my business down. My employee only gets paid monthly but he is calling everyday. The company is called Commercial Adjustment in XXXX, XXXX. He not only calls the business, but calls my personal cell phone. His harassment calling me on my cell phone almost caused me to have an accident in my car.

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 2022-06-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

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

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: EQUIFAX, INC.
State: PA
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:
Equifax allowed my information to be accessed by an unauthorized 3rd party who has the ability to access all of my personal information for potential monetary exploitation.
I never allowed Equifax to store this information nor to host it in a manner that it could be compromised. They willfully did not attempt to store my data in a manner that would be consistent with reasonable identity protection and are unable to provide me with clear answers as to the following : 1. Who took my information?
2. What information of mine was compromised?
3. What steps are they taking to protect me?
4. Should someone attempt to use my data in an unscrupulous manner, will Equifax cover the legal and time costs?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Monterey Financial Services LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2013, I was unemployed XXXX  seeking assistance to find XXXX XXXX XXXX. I found a company online called XXXX XXXX. I submitted information and spoke to a representative, who stated that they worked with assisting executives with finding positions and would guarantee that they could find me a position in 13 weeks. They asked for {$630.00} upfront, which I paid and a copy of my resume. They had me complete a detailed survey online and then a " coach '' called me. I was then sent the contract for 6 additional payments of XXXX to begin in XXXX but was told that if I did not have results in the 13 weeks that I could cancel. I would lose my deposit but no further obligation. I received my resume back " prettied up '' but with numerous spelling and grammatical errors that also changed the core of my experience in several instances ; with cover letters and envelopes addressed to CEOs of 12 companies. I was told to mail these and follow up asking for an appointment to see if they would see me and possibly have a 'spot '' for me. This was not what I was promised when I spoke with the sales rep on the first couple of calls. I told them this. I did however, do what they asked and never got to speak with anyone at any company. I asked XXXX to discontinue my service. They said I had to do it online. I sent email but once I started being contacted by collection was told there was a special form I should have filled out. I reported there activity to SC Attorney General as Internet Fraud. They have since been hurting my credit score and compounding interest to this account and calling my phone constantly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have experienced several incidents where Wells Fargo is charging me for insufficient funds fees when I have a low balance. I have called to complain several times and their policy is that only 1 forgiveness per year. This would be ok if I actually overdrew my account. At this time, I am unable to provide dates besides the last incident which was on XX/XX/2021. I will research my records for other dates.

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 2022-06-15
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have not made any communication with LVNV Funding LLC. However, I have attempted to dispute the trade line listed on my credit report ( XXXX XXXX, XXXX ) multiple times. when disputing the listed trade line, I have given multiple explanations informing LVNV of the error and a resolution that would be in their benefit. 

However, all three credit bureaus have informed me that the reporting is accurate by LVNV Funding LLC in which LVNV Funding LLC states they owe me a balance of {$620.00}. 

I requested a method of verification from the major credit bureaus about my dispute results and the investigation steps taken within the 15-day time limit ( FCRA 611 ). Multiple times I was informed that my request to get information about the investigation was marked as frivolous. Therefore, I am operating on the understanding that LVNV Funding LLC owes me a balance of {$620.00} that I have yet to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Somebody opened an apartment lease in my name that I didnt approve. Didnt pay the lease and damaged the apartment with a total of {$33000.00} collections on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: NY
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs at no cost to the victims. Credit fraud protection should be mandatory for every account. The public should not be forced to pay for Equifax 's mistakes nor should Equifax be allowed to profit off of the fall-out from these mistakes. 

I hope to freeze my credit however in researching this process I will be forced to pay for these services, effectively rewarding Equifax for their gross negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am XXXX XXXX XXXX. I had accounts with XXXX, all of which were transferred in XX/XX/2022 to Citizens Bank. Citizens doesn't have any branches in the state where I now live. I can't get through by telephone to the numbers listed on the Citizens website. 
I have other accounts with Bank of America. I use the Citizens checking account only to receive my Social Security by direct deposit. 
I made a mistake and overdrafted my checking account by {$29.00} on XX/XX/2022. I learned of this because I receive automatic emails for every transaction. I immediately opened my computer to look at my checking account. I saw that there was a {$12.00} charge to cover the check and that my checking account indicated a negative balance of ( XXXX ). I immediately deposited {$50.00} into my checking account, which then read a positive balance of {$38.00}. However, there is now a balance owing of {$29.00} on the overdraft credit line that the bank set up automatically. 
I went to the overdraft on my computer. There is no way for me to make a payment to clear it. I've gone through agony with this bank. I can't reach anyone by phone. I can't work computers. I've repeatedly called. I am now at a loss as to what to do. The overdraft is accruing a 17 % interest charge. I am also worried that the bank is charging {$12.00} per/day as a surcharge because the " new customer '' instructions indicated that {$12.00} would be accrued daily until an overdraft is cleared. 
It is incredible that I can't reach anyone by phone. The waiting time is over 1 hour. I am a XXXX XXXX XXXX patient and can't take this pressure ( XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
Thank you for acknowledging receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I received an alert from XXXX XXXX of a derogatory mark on my XXXX  report. It was from RCVL PER MNG or Receivables Performance Management for {$100.00}. I have never been notified of said debt. Nor received a right to dispute notice. Was never notified of the company that sent my debt to RCVL PER MNG. I have disputed via 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 2017-09-12
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I found out from XXXX that my account was one of those breached. I immediately completed online security freezes with no problem at XXXX and XXXX credit bureaus, but have tried XXXX times to do so at Experian over XXXX. I get an error every time that says they are unable to honor my request. I have verified that all the information I entered is correct. I have not moved in 17 years and have changed NO personal information. I see that there are numerous complaints from other consumers online stating that Experian online security freeze does not work. They have a ridiculous request for additional documents to be mailed to them! I also tried their link to upload documents electronically ... that does n't work either! Time is of the essence. I have tried to contact they by phone and can not get a person to talk to, just one automated loop.

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 2021-08-13
Company: EQUIFAX, INC.
State: DC
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 sent letters to the XXXX XXXX XXXX XXXX XXXX and the XXXX department via certified mail on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I sent emails directly to the XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
I have had excellent payment history, but I have two late payments in XXXX that are severely hurting my credit because they are considered recent. However, I have done further research and found that these late payments are inaccurate. 

I have been begging for deletion since I was admitted into the XXXX XXXX at my local hospital for a severe condition that almost took my life. I could not support my family and while in the XXXX  in XXXX XXXX I lost my job. And even still, I was a loyal customer and ever worst according to my records I did make payments for XXXX AND XXXX of XXXX yet they are reporting two late payments that have irrecoverably damaged my credit score I made ACH payment of {$20.00} on XX/XX/XXXX, {$60.00} on XX/XX/XXXX, and {$20.00} on XX/XX/XXXX

Company response to consumer: Closed with explanation