BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Back in XXXX XXXX we applied for a refinance of our existing mortgage an interest rate of 4.73 %. The loan officer told us that we could get a lower rate if we refinance with my husband only on the mortgage since he had a higher credit score.The rate would be 3.50 %. We agreed. An appraisal was done on our home shortly after. It came in at {$220000.00} over the amount owed on our mortgage. At that point, the bank had all of our information and requested documents. They then requested a copy of my husband 's license. At that point everything slowed down. Three weeks after the appraisal was completed, the bank informed us that we needed to install a handrail going down to the basement before we could move further on our closing. We complied. Granted, the bank did not have a problem with not having hand rails when we purchased this home in XXXX and even threw in a credit line, which we did not need to close our loan at the time. They quickly took our {$120000.00} down payment. This is the same bank our current mortgage is with! A week later the bank again requested that we put handrails on the other side of the stairs. They were not clear about this. I had previously requested a copy of the appraisal. We called them and were told one would be sent to us immediately. We installed the second railing and had to have the inspector come out for the second time to reinspect. We again made a second request for a copy of the appraisal and were told that the appraisal is sent our right before closing. We had to request an extension on our rate lock because we were not going to close in time. The rate of 3.50 % was extended to XXXX XXXX, XXXX. The bank is now requesting a statement regarding my XXXX. They want to know If I can withdraw money and what the taxes and penalties are. Why? What business is it of theirs. I am told it is a bank procedure. I complied with their request. We were also told on Friday, XXXX XXXX, that the closing cost would be about {$8000.00} because they are not able to transfer my escrow account to the new mortgage. This right before closing. We were also told that we had to show where our money for closing is coming from. This is ridiculous. Both our checking account and savings is with this bank. We were planning to close on the XXXX of XXXX, but underwriters have to look at the XXXX withdrawal terms before and give their approval. Now we have to pay our existing mortgage again at the current interest rate of 6.25 %. It gets paid directly from our account tomorrow, the XXXX, ironically. 
We feel the bank has been dragging their feet on our loan application and most of all we feel we are being discriminated against. 
We are requesting your help in resolving this matter, We will not give in to their unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Williams & Fudge, Inc
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: Their investigation did not fix an error on your report

Complaint:
Williams & Fudge is continuing to report an account to my report, even after requesting validation. They never sent me the proper validation but yet continues to report this debt to my report at all credit bureaus ( XXXX, XXXX, and XXXX  ) after contacting them in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: AL
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 LOOKED AT MY CREDIT REPORT AND I AM IN DISBLIEF AT HOW MANY FRAUDULENT ACCOUNTS ARE ON MY CREDIT PROFIEL. SOMEONE HAS MY INFORMATION AND THEY ARE FRAUDULENTLY USING MY INFO WITHOUT MY PERMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPOR

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 2020-12-06
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Notified company of fraudulent activity on my credit card on XX/XX/2020 and reported it to the police as well and recieved a claim number from them. 

In addition to the fradulent charges the billing address on my account was incorrect. I notified them and the credit bureaus of this incorrect information. 

On XX/XX/2020, I recieved a letter telling me the charges were NOT fraudulent and they appeared on my credit card statement again. I spoke with their fradulent security operations who refused my fradulent claim and explained again that I did not make these charges and I DO NOT and never have lived at the address they claim belongs to me!! They said " the facts and or information reviewed as part of the investigation does not substantiate the claim of unauthorized use ''. 

In addition to this, I closed my account on XX/XX/2020 and they issued a new card ... they sent that card to the Wrong ADDRESS and again fraudulent charges appeared on the new card ... which I NEVER RECIEVED or authorized use!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-05
Company: Experian Information Solutions Inc.
State: NY
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 am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX and XXXX ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XXXX  and XXXX I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.

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 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 not my account

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 2020-03-23
Company: The CBE Group, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX & XXXX are both reporting this erroneous account for CBE Group -XXXX - I am unaware of this and I have never got a notice regarding this debt. 
I have tried to contact CBE and it just goes to a recording and hangs up so I can not reach them. This is not valid and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX originally reported to the credit bureaus. I sent them proof of my payment and said that the debt was cleared. I got a phone call from Transworld Systems , Inc. saying that I still owed the debt on XX/XX/2017. I have an FTC reference number and faxed them the information. My number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
I contacted American Express credit, customer service and fraud. They kept transferring me in a loop back and forth. I sent a letter to American express and still no resolution. 
My husband XXXX XXXX added me as an authorized user over a year ago. Last month I changed my name and they reported that name change as a new account. 
I would like to request assistance in removing this new account from affecting my credit negatively in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This information is in regard to Experian Credit Reporting Agency. 

Credit report # XXXX. 

Experian has continuously and currently been reporting an account that is a result of identity theft, within my credit file. The info is with XXXX XXXX/XX/XX/XXXX. I had filed a police report, I filed an FTC identity theft report, and yet they ( Experian ) have both kept and maintained this information within my report. Several times I asked Experian to remove the account and to verify who opened the account with XXXX XXXX, and to no avail. 

Ive also reached out to XXXX XXXX XXXX. They requested for me to asked me to submit my police report, which I did. Yet the account is still within my credit file at Experian. 

I currently work as XXXX XXXX  in XXXX. So daily I have to restrict my commute by using XXXX/XXXX services due to the exposure of the Coronavirus on public transportation. And in return its costing me closer to thousands of dollars every week. All due to the fact that I can not apply for a car loan. And because of this identity theft account with XXXX XXXX XXXX. As well as the fraudulent acts of Experian Credit Bureau. 

Im facing risk everyday, and the last thing that I should be worrying about is my credit being used fraudulently at Experian Credit Bureau. Experian has not made it easy for identity theft victims such as myself. An help from someone within the Consumer Finance Bureau is highly appreciated. Thank you.

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 2015-12-17
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Fraud or scam

Complaint:
XXXX/XXXX/2015 XXXX fraudulent transactions were charged to my serve prepaid debit card from american express I immediately contacted american express customer service, they stopped XXXX of the transactions from posting, but the XXXX other fraud charges were posted AFTER I had spoke with their csr - those XXXX transactions were debited to my account, and the csr told me they will cancel the current card, reissue a new one and that I should transfer all active card prepaid funds to my serve reserve account so the fraud would not continue. I did as I was told. 

received the new card, however American Express Serve Card has locked my account. I can not use my funds that they have, since I can not access my account nor activate the new card. 

I escalated to a supervisor at the XXXX Call Center they can not do anything my account still controlled by their fraud dept I have spent a total of 161 minutes on the telephone with the Serve Customer Service team located in the XXXX the Customer Service Rep states they will connect me with their frad department which has locked-out my account - THE CSR NVER CONNECTS ME TO THEIR FRAUD DEPARTMENT They are holding my funds and I have no way to have any type of access too my funds via their prepaid debit card or my account access. 

I AM TOTALLY LOCKED OUT AND THEY ARE HOLDING MY FUNDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I tried to login unsuccessfully to my online account with HSBC USA. I attempted to reset my password and was locked out for security reasons. I lost my credit card so I did not have the account number when I called customer service to attempt to get my account unlocked. They also require a telephone access code which I did not have at the time. I informed them that I think my card may have been compromised and they did not acknowledge my concern. I provided them with my name, social security number, date of birth, address, and called from my home phone number which is the one registered to the account. They claim I need to provide more information. I did not received a statement of my account for three months. I started receive collection calls at random hours, sometimes as early as XXXX and after XXXX. I have called multiple times to try and get my account unlocked so I can see my account activity and make sure my card has not been compromised and have been unsuccessful. I have all the information required now and they claim that department is closed. This is ridiculous. I have never had as many problems with a financial institution as this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never had a credit card or any other credit account ever and no such account has ever existed in my name XXXX has put multiple fraudulent accounts that do not belong to me and were not created by me on my consumer report. This has made it hard for me to receive credit or get approved for apartments which is very stressful and XXXX. I have notified them of the accounts resulting from identity theft and requested they be removed within 4 business days as described in 15 usc 1681c-2. I have not given them any reason to decline my request and they have not provided any contract or other evidence that gave them the right to furnish my consumer report with this fraudulent information to begin with .the fair credit report requires the maximum amount of accuracy at all time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-15
Company: Experian Information Solutions Inc.
State: NM
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:
Experian and XXXX are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2022-09-06
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX XXXX XXXX {$560.00} sent to the wrong recipient on Cashapp. I sent {$560.00} to the wrong recipient on Cashapp, the money was for my car payment. I emailed cashapp and they told me they couldn't do anything about the money that it was just lost money and I wouldn't get it back. I tried everything even contacted my bank and no luck getting the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX is XXXX XXXX of XXXX who steals money out of my accounts with duplicate authorizations. I divorced XXXX XXXX of XXXX who is President Clinton of XXXX XXXX XXXX XXXX Incorporated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Alorica Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2020, it came to my attention that I have a couple fraudulent collections on my credit report. 
1st account : {$3300.00} 2nd account : {$6500.00} I immediately filed a police report XX/XX/2020, afterwards I filed a complaint with the Federal Trade Commission, and XXXX XXXX XXXX. 

At that time I hired a credit repair organization, assuming they may have more tools at their despoil than I did. 

I received a very threatening letter from one of the collection agencies XX/XX/2020. ( Account 2 ) Which they violated so may practices. I immediately reached out to the agency, to dispute the allege debt. I also explained that I had already sent filed the complaints mentioned above, and sent this to the agency. 
I was told that they had it, but don't have it on file, and that I need to resend. This was on XX/XX/2020. 
I received a letter from the company, demanding that I do the things that I had already done, when the agency yet to prove any evidence that I owe allege debt. I was sent some of the contract I allegedly agreed too, with no signature, and I was sent part of someone else contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
DO NOT CLOSE THIS AS A DUPLICATE. THIS COMPLAINT CONTAINS ADDITIONAL INFO WHICH PROVES THAT TRANSUNION IS INCORRECTLY REPORTING. 

The attached transcript clearly states that my XXXX XXXX was awarded on XX/XX/XXXX. According to StudentAid.Gov, an official website of the U.S. Government ; " Direct Subsidized Loans and Direct Unsubsidized Loans have a six-month grace period before payments are due. '' It also states " if you received a PLUS loan as a graduate or professional student, youll automatically get a six-month deferment after you graduate, leave school, or drop below half-time enrollment. No payments are required during this six-month deferment period. '' ( see highlighted section on page 3 of attached Student Loan Repayment _ Federal Student Aid.pdf ) My graduation date was XX/XX/XXXX ( see highlighted section of XXXX Unofficial Transcript.pdf ) therefore my graduate student loans were under a six-month grace period and would not have been due for repayment until XX/XX/XXXX. ED/XXXX   has incorrectly reported two separate trade lines beginning with account # XXXX as late on XXXX and XXXX which has negatively impacted my credit ( Page 3 and 4 of attached credit report ). As per the FCRA incorrect information must be REMOVED as also per the FCRA I have a right for all information on my credit report to be correct ( see highlighted sections of attached XXXX XXXX_TransUnion Personal Credit Report.pdf ).

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never had a credit card or any other credit account ever and no such account has ever existed in my name .Transunion has put multiple fraudulent accounts that do not belong to me and were not created by me on my consumer report. This has made it hard for me to receive credit or get approved for apartments which is very stressful and XXXX. I have notified them of the accounts resulting from identity theft and requested they be removed within 4 business days as described in 15 usc 1681c-2. I have not given them any reason to decline my request and they have not provided any contract or other evidence that gave them the right to furnish my consumer report with this fraudulent information to begin with .the fair credit report requires the maximum amount of accuracy at all time.

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 2020-03-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Incorrect information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief