BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear Sir/Madame : I am filing a complaint about HSBC for 4 specific things as below. I have all email communications as evidence and can provide all of them when needed. 1. When I tried to pay for Property Tax on XX/XX/XXXX on the payment website from the selected menu I chose to pay through my Savings Account but I accidentally entered my checking account #. Then HSBC paid through my checking account without checking with me.
2. Since there was not enough fund in my checking account ( fund was in savings account ), the payment was denied. I got notified on XX/XX/XXXX from the payment website. They informed me that my bank only notified them on XX/XX/XXXX. Since XX/XX/XXXX was the deadline for the payment, I was charged $ 1500+ fine. When I asked HSBC why it took them 10 days to inform insufficient fund status, there was no direct answers. I had to escalate to five different HSBC staff and it took me 1.5 months to finally get an answer. During the process, I sent dozens of emails to different HSBC staff for answers. After getting so frustrated, I asked for the contact information of their supervising authorities. At my 7th request, they finally gave me your name. This was a terrible customer service experience.
3. HSB
C has been using double standards to decide how to communicate with me. When I opened my account back in XX/XX/XXXX, I told them my sister will help manage my account since I am too busy and I fully trust my sister. Since then, my account manager has been in communication with my sister for all account services through emails, phone calls, etc. When I asked for investment options, HSBC staff also called my sister instead of me to discuss options. But when my sister followed up on above # 2 issue, HSBC staff said my sister can not handle this complaint since she has no power of attorney to represent me. I do not understand why my sister can handle my accounts in any way but when it comes to complaints, she can not?
4. HSBC downgraded my checking account level from premium to advance on XX/XX/XXXX without getting my approval. Again, I have all email communications to prove above. I am more than happy to provide any evidences to support my claims. Thank you for your time! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Other

Complaint:
I had both a XXXX XXXX XXXX " Fidelity Investment Rewards '' Visa and an XXXX XXXX. When Fidelity migrated the card servicing to Elan XX/XX/2016, both cards were issued as a Visa. I called Elan to request the cards be merged so I did n't have XXXX identical cards. They assured me it 'd be no issue. Two weeks later they called and said they needed to know which account I wanted merged into which. I said I did n't care. They said it 'd be done in a couple days. 

Today I received an alert from my credit monitoring service that Elan did a hard credit inquiry on XXXX or more credit bureaus. I was absolutely shocked. Nobody even mentioned that would happen, and if they did I would have said absolutely not, do n't bother merging the accounts if that was a requirement. It 's illegal to run a hard inquiry without a customer 's consent, and that 's precisely what Elan has done. 

This letter serves as notice of dispute of the hard inquiry ( ies ). I demand that Elan contact all three credit bureaus and have the inquiry removed immediately. 

I am also sending this as a complaint to the Consumer Financial Protection Bureau because Elan 's actions violated my rights as a consumer. 

Please respond within the required 30 day timeframe confirming all credit inquiries posted without my authorization have been removed.

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 2017-05-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax is reporting  XXXX   XXXX  as a duplicate account already paid and closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-10
Company: Northstar Location Services, LLC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Credit card company sold debt to collection agency that resulted from identity theft. I have mailed a copy of the identity theft report via certified mail to the company.

Company response to consumer: Closed
Consumer complaint received 2022-03-15
Company: EQUIFAX, 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 am writing again in regards with the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX XXXX XXXXXXXX XXXX Balance {$29000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2022, I mailed you a letter disputing XXXX accounts as erroneous as certified mail with return receipt requested. I received notification that you had received the dispute letter in the mail on XX/XX/2022. I have not received a response from your company as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed.

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.

I have enclosed the original letter Outlining the disputed accounts.

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ).

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: U.S. BANCORP
State: AL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
US Bank issued a credit card product for XXXX XXXX. In the card agreement it says, " ... bonus award night exclusively for card members ... '', " enjoy all these benefits after paying {$75.00} annual fee. " I did pay the annual fee for the card and now they are removing the benefit after I 've paid it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for a credit card with Discover with a credit line of XXXX. My application had got approved. While waiting on my credit card, an agent from Discover emailed me in regards to submitting additional documentation in order to have access to my card. They asked for my bank statements and tax documents. Ive already sent them my bank statements, which is not required to fill out the application for the credit card. Discover asked for my consent to review my taxes. I dont consent to sending my tax documents simply because its not a requirement when applying for a credit card or after once youve been approved. And because Ive already sent them my bank statements. I feel that they are discriminating me due to my race & my XXXX orientation. Im XXXX. No one else I know has gone through this process or are going through this process. Had I known or was made aware at the beginning of the application process, or even after I got approved, that l was going to have send in additional documents to get my credit card, I would HAVE NEVER took the time out to apply for this card if I knew I was going to be hassled & discriminated against due to me being XXXX and XXXX. Theyve already ran my credit and now its a hard inquiry on my report. Which stays on my report for 2 years. Which also makes me feel like they are trying to sabotage my credit score. So Im still confused in regards to why they are still wanting additional documents. Its my right to deny Discover consent to look into my tax information. I called Discover and I even asked why they need this information and I was told by a supervisor that I couldnt get that information for security reasons. Which is even more confusing because how can you not give me information thats pertaining to my account. So I need someone to reach out to me ASAP, because I want to nip this in bud so that it wont happen to me or anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a sent out several Affidavits requesting proof of contract with the alleged owner of my mortgage. My mortgage increased substantially and I questioned the increase. Before this fraud claim was made. I have never missed a payment or been late. The Mortgage company has refused to provide me with a current contract between myself and them they keep providing my original contract but showing me a totally different mortgage payment. I have a fixed rate and set payment yet they increased my mortgage. So I have been sending numerous correspondence requesting proof of contact and they have not shown any. I have documentation that can be provided that shows negotiation attempts on my behalf to have the company go into a contract for a conventional loan. They have refused and continue to avoid providing me with and actual contract with their name and my name on ti with my signed consent to do business with them. I have paid my property taxes and homeowners insurance in full for the year. So I do not need any types of escrow holdings or accounts from this fraudulent company. They also sent out a unknown man to my home to intimidate and stalk my wife and children by taking pictures when I approached his vehicle parked infant of my door and asked who he was he just said Pennymac sent me you need to contact them. I have survenillance footage of this incident and Penny admits they sent someone to my home but won't release the persons name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them as I was a victim of Identity Theft. 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 2020-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
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 have made numerous disputes and Method of Verification requests and XXXX  Credit Reporting will not comply. I do not believe they are even investigating and just using the E-Oscar database. I have plainly asked for their method of verification of how they are verifying the completeness and accuracy of what they are reporting. They keep responding back ( They verified that the items belong to me ). I have enclosed some of my past dispute letters and method of verification requests and I still can not get them to comply. 
The alleged debts are being reported by the notorious Portfolio Recovery Associates. 
Their reporting has been detrimental to my credit scores and has caused me great financial and mental distress. 
What can I do to make them at least do their job as required by the FCRA and comply with my requests or delete the items I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: TX
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:
XXXX  XXXX XXXX XXXX {$570.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 

XXXX XXXX  XXXX XXXX XXXX XXXX {$48.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 

XXXX XXXX XXXX {$310.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 


XXXX XXXX XXXX XXXX XXXX {$300.00} I filed and ftc report and spoke with the creditor and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: U.S. BANCORP
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, my wife and I went to the US Bank at XXXX XXXX XXXX in XXXX XXXX, Colorado to open a business checking account. While there we listened to another individual open a business checking account as well. The bank representative was XXXX XXXX. It was initially concerning to hear that the accounts were processed and opened in the commmunity area of the bank where personal information, credit disclosures, and monetary amounts were discussed. 
When XXXX XXXX assisted us, we made it clear we did n't want our personal information openly discussed in this forum. XXXX XXXX apologized, saying he had a loud voice and carried on. During the process of opening a business checking account, XXXX XXXX offered us a business credit card as well ( there is much more detail to this in the attached documentation ). We told XXXX XXXX if there was a 0 % interest offer, we would be interested. XXXX XXXX showed us we qualified for a 0 % interest rated for a period of 12 months and we agreed to sign up for that card. He showed us the dislosure and circled the 0 % interest rate and the business platinum card. 
After opening the account and receiving all of the pertinent information, we left and a few days later received credit cards in the mail for a higher interest ( 18 % ) card My wife contacted the credit card company that issues the cards for US Bank and they told her they provided the cards that US Bank approved for us and if we wanted the 0 % cards, we would have to apply again. My wife emailed the US Bank help email and was later contacted by area VP XXXX XXXX who confirmed he spoke with XXXX XXXX and confirmed we applied for and wanted the 0 % card. After back and forth emails, XXXX XXXX said we would have to re-apply for the 0 % card. This would cause a second hard hit on our credit report and when starting a new business that may later have investors, we do not want to begin with questions about why we applied for multiple lines of credit. This was a bank error and should be remedied by the bank. My wife sent an email asking for guidance and assistance after this and we have received no further response. I contacted XXXX XXXX Sheriff 's and filed a police report sharing the same information with the sheriff 's department. I believe we were misled and treated fraudulently, applying for and being told we were receiving a specific line of credit and later being provided with another. Then the remedy was to re-apply, affecting OUR credit to get what we originally told we were approved for.

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 2021-08-25
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX  XXXX XXXX XXXX {$570.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 

XXXX XXXX  XXXX XXXX XXXX XXXX {$48.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 

XXXX XXXX XXXX {$310.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 


XXXX XXXX XXXX XXXX XXXX {$300.00} I filed and ftc report and spoke with the creditor and they refuse to remove it.

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 2018-01-09
Company: Rickart Collection Systems, 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: Account information incorrect

Complaint:
I have a collection account listed on my credit report by a debt collection agency RickArt Collections Systems collecting on behalf of XXXX XXXX. RickArt is not licensed to collect in the state of Florida and therefore I am disputing this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: U.S. BANCORP
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/2016 I accepted a trial modification payment plan ; the conditions were set in which I make all trial payments on time ; US Bank sent me a permanent modification agreement which I signed with a notary and returned to US Bank on time ; and that despite all that I found my home listed for online auction set for XX/XX/2016 by US bank on the website XXXX at this address 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 2022-07-11
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I requested and was granted by SeedFi a payment accommodation ( deferral ) plan in accordance with the Cares Act. My loan # is ( XXXX ). Reported late payments was in XXXX, XXXX, and XXXX of 2022. SeedFi reported me late to the credit bureaus adversely affected my credit. SeedFi was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. SeedFi was not supposed to report me late as long as I was making payments under the deferral agreement. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. SeedFi failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is in regards to my debit card with PNC. My card was recently lost or stolen and numerous fraudulent transactions appeared on my account. I filed a dispute with PNC and was denied because they said that there were transactions posted after some of the disputed items that I did not dispute. If I did not dispute them, then it was done in error. There were many transactions and they only allow you to dispute 9 at a time. So I actually had 3 separate claims because of this. Apparently I missed some. The person on the phone told me to dispute the items again, which I have done. Now, just to be sure theres no confusion, I am attaching a screenshot of EVERY TRANSACTION THAT IM  DISPUTING. The transactions include the ATM withdrawal on XX/XX/XXXX for {$500.00}, the XXXX XXXX transaction on XX/XX/XXXX for {$4.00}, and EVERYTHING IN BETWEEN. Also, there are numerous ATM fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX placed a collection on my and my father 's credit reports with all three credit reporting agencies. We have disputed the collection with all three agencies and it was removed from our XXXX and XXXX reports. However, after filing two disputes with Equifax, the collection has not been removed. After speaking with representatives from Equifax, they could not explain why the collection remained on our reports. It should be noted that, XXXX XXXX never confirmed or verified the debt in writing as required by law. This is why we disputed the collection and why XXXX and XXXX removed the collection from our reports

Company response to consumer: Closed with explanation