BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I have banked with HSBC since 1989. Over the years they have sent me " convenience checks '' for my credit card with marketing blurb about them being as convenient as cash etc. I used one for the first time XX/XX/XXXX for {$1800.00}. I did n't read the small print about having to pay the amount off in 10 days so suddenly got charges. That is fair enough. My mistake. 

Since then though, I have more than paid off that amount and have made other purchase but I am still getting charges. I called and managed to get them to admit that they pay off all other charges first. In other words, they have put that check to the bottom of the pile and put my payments toward the balance I had on the card before writing the check AND purchases made on the card since writing the check. I do n't think that is fair. 

If I borrow {$5.00} from a friend one week and then {$5.00} from a different friend the week after, I think it is fair and reasonable to pay of the older debt first. 

Also they have raised the percentage rate across the board. As well as paying a higher percentage ( 25 % ) on the {$1800.00} for using their " Convenience check '', my rate for my previous balance has jumped from 13 % to 25 % and all subsequent charges are also at 25 %. This seems like a double whammy. 

I feel like I would have been better off going to a payday loan and keeping that cash advance as a separate transaction and I am being penalized for being a loyal customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I received a text from Chase saying a new recipient I did not know was added to my contacts. {$400.00} was taken from my Chase checkings account through an unauthorized XXXX transaction. 

That same day, XX/XX/XXXX, I receive a text from a completely different phone number not associated with the XXXX account they have received the {$400.00} and that I have to send them {$550.00} more as a " deposit '' to " resolve '' the issue and get " keys ''. I did not respond as I was trying to call my bank at the time. 

On XX/XX/XXXX, I called Chase support and was placed on hold for almost two hours over three call attempts. On the third attempt, an agent explained that I'd have to call the fraud line the next day because when I was taken off hold the department was closed for the day. 

On XX/XX/XXXX, I called the Chase fraud department. An automated voice told me the department was closed. I call Chase general support to clarify this was informed that the fraud department is closed on Sundays. I was then told to call again when they open at XXXX the next day. 

In the evening of XX/XX/XXXX, I asked for the {$400.00} to be sent back to me. I received no response. I believe the person blocked me. 

On XX/XX/XXXX, I called the Chase fraud department. I confirmed with them that my account was compromised and they said they would look into it. They said they would receive a temporary credit in ten business days. I was transferred to another department to help me change my login information for Chase and deactivate XXXX. I also changed all of my email information. 

On XX/XX/XXXX, I receive a letter from Chase saying that they found the UNAUTHORIZED charge of {$400.00} on my account was authorized and they would not make any adjustment on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: MI
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 was not satisfied with the result I got from my Experian report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information removed or have anyone from Experian contact me about the status of my concern. Here is the incorrect information that I am trying to dispute : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Updated : XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In XXXX, I obtained a new mortgage from Wells Fargo in Washington state. Much to my surprise, and without my consent, I also got a new credit card. When I inquired with the bank about it, they said something along the lines of " mortgages come with credit cards. '' Later, another employee contradicted that quite clearly. In the end, I decided it was a harmless transaction, and I retained the card. But it was decidedly weird, and it smelled fishy. I attributed that to a simple error, but in light of the recent findings that Wells Fargo I now suspect it may have been deliberate. To the extent that you are so empowered, I would encourage you to investigate Wells Fargo prior to the XXXX date identified in the public reports.

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 2016-10-08
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Original creditor determined this was a fraudulent account and was deleted from my credit report. I have sent numerous letters to the collection agency about this and they have not removed this account from my credit report. If original creditor determined this was a fraudulent account why wo n't the collection agency remove this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: MO
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 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 non-monetary relief
Consumer complaint received 2016-11-30
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/16 I visited my local XXXX and made a purchase of {$21.00} on XXXX and XXXX. The transaction has shown it has cleared in my transactions yet, American Express Bluebird is stating they have an agreement with " XXXX '' to hold transactions for 8 days until they clear. I repeated to the representative the transaction already cleared, and he just told me it was due to XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX XXXX was paid {$720.00} in 2013 in an effort to have them remove a collection from my XXXX and XXXX credit reports. Despite me never contracting with company I paid them because HSBC refused to collect the monies owed to them. I now have a delinquent HSBC entry and a XXXX XXXX collection account for the same debt. I have made several calls to request deletion of improper entry to my credit report but was told it is not their policy to delete especially since I had already paid. I never received notices. The item just appeared on my credit report. I was never allowed to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 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 non-monetary relief
Consumer complaint received 2015-04-16
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Credit Management continues to contact my place of business after being asked to remove our number from their call lists. They are continuing to call ( latest call was today XXXX/XXXX/XX/XX/XXXX ) after this issue I had with them last year- see below. I expect them to follow directions and REMOVE our business numbers from thier call list. 
XXXX, XXXX, and XXXX. 
I do not have an account number, no one here has any accounts owed to this collector. No one they are looking for works here. Also, per the Fair Debt Collection Practices Act, a debt collector CAN NOT continue to call a business that has asked them not to call. 

Spoke with XXXX XXXX on XXXX/XXXX/XX/XX/XXXX, he said our number was associated with XXXX different people : XXXX XXXX, XXXX XXXX and XXXX XXXX, none of which are at our number. Said it would be 24 hrs to be removed. However we still received calls so I sent a cease & desist letter drafted by an attorney 's office which they signed for on XXXX/XXXXXX/XX/XXXX. Now a month later & they still continue to call. I spoke with a XXXX XXXX on XXXX/XXXX/XX/XX/XXXX who asked again for XXXX XXXX, I told her to remove our number & do not call again. I do not understand why I am continuing to be harrassed by this company & our business interupted when there is no one here who owes them any money, and they have repeatedly been told this is a business & not to call. 
Please fine this company heavily!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Wells Fargo is illegally attempting to bill me for the amount of {$480.00} plus {$15.00} late fee charge for a charge/balance that I do not owe. I closed my credit card account on XXXX XXXX, 2016 with a zero dollar balance and did not make any purchases or charges prior to my final statement closing. The charge is erroneous and fraudulent. My balance needs to be zeroed out.

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 2022-05-26
Company: DOLLAR MUTUAL BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So XX/XX/ 2022, someone walked into a dollar bank and it was not me, someone in another state and withdraw XXXX $ and the bank teller let this happen without proper identification. How does this happen? Banks have cameras right? I want the teller and the person who did this held responsible, this is not okay I want all my money back, Im a XXXX mother of XXXX I have no help now my money is gone I have bills and no one whats to hear my problems with a bank issue that I thought my money was safe at. XXXX XXXX XXXX XXXX XXXXXXXX Ohio is the dollar bank today is XX/XX/2022 no one has gave me an explanation to what took place and how. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-26
Company: AMERISAVE MORTGAGE CORPORATION
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When I signed my loan docs with Amerisave Mortgage the contracts said : " You have the right to request that the PMI be canceled, at your option, on either of the following dates ( " the cancellation date '' ) : ( XXXX ) The date the principal balance of your loan actually reaches 80 % of the original value of the property, based solely on your actual loan payments. '' I contacted them inquiring about paying down my loan so I could attain XXXX % equity and now they sent me a letter saying I must have approx. XXXX % equity before I am allowed to cancel the $ XXXX/month PMI payment. I have called multiple times to address this and they will not comply with my loan contract.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: GA
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, XXXX XXXX # XXXX XXXX  # XXXX XXXX  # XXXX BANKRUPTCY  # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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:
I am writing to dispute the following information that is reporting on my Equifax Consumer Credit Report. I have listed the items I wish to dispute as they do not belong to me. 
*Account name not listed, account XXXX balance is {$500.00} *Account name not listed, account XXXX balance is {$1100.00} XXXX XXXX XXXX XXXX XXXX *XXXX XXXX XXXX  The following inquiries are also reporting inaccurately *XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *XXXX XXXX XXXX XXXX Please reinvestigate this matter and contact the national credit bureaus to have them delete or correct the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company was sent a letter certified mail to verify debt. They responded with a letter that had a copy of a contract with my name typed on it. Anyone can go on a computer and type my name a contract. I want valid proof that I incurred this debt like transaction records. Something that I did like a copy of a credit card transaction with my name on it. Otherwise I do n't see this debt as being valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: MI
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:
I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below.. Also I have attached the letter I sent out and here is the tracking # s XXXX, XXXX, XXXX, According to the FRCA The term investigate 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. 

They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 


List of inaccurate accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below.. Also I have attached the letter I sent out and here is the tracking # s XXXX, XXXX, XXXX, According to the FRCA The term investigate 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. 

They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 


List of inaccurate accounts XXXX XXXX XXXX, XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2020-10-01
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I settled and paid in full amount owed {$370.00}. One day after I paid them they submitted the difference, {$100.00}, for collection agency. This is illegal, dishonest and created unnecessary actions and time to fix their intentional malicious action.

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 2016-05-16
Company: WELLS FARGO & COMPANY
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt was discharged during short sale. In XXXX we sold our investment property in a short sale with Wells Fargo. We later received a XXXX from the lender, for the cancelled debt amount of {$8000.00}. Immediately after the short sale, we also started receiving statements from XXXX XXXX regarding this same shortage as though the cancelled debt was now owed to them. Not fully understanding the situation, my husband paid their invoices for over a year until he was advised by our accountant that we would not be responsible for both the cancellation of debt and the reimbursement of the short sale funds. We stopped making payments after XXXX XXXX. At the close of escrow we were required to sign a promissory note for {$8000.00} but we understood that we would either receive a cancellation of debit XXXX or the possibility of having to pay the promissory note. We were also advised that Oregon is not a " recapture '' state so it was very unlikely that the lender would attempt short sale recapture.

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