BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, my credit, debt, and health savings accounts were physically stolen from a fitness club   without my knowledge. The bank called me on XX/XX/XXXX to ask about purchase being made at the XXXX  XXXX. I looked into my wallet and realized the cards were gone and the bank shut off both cards. They initially refunded the entire balance($XXXX on one card, $XXXX on another card for a total of $XXXX) back but then denied the fraud claim and took the funds. They claimed this was because I did not get a police report. A customer service representative claimed once I submitted the police report, I would receive the funds back she was so confident she gave me her employee number, XXXX  employee #XXXX. They also indicated I should not pay the balance down due to it being fraud. After a few weeks/months I decided to pay the balance in full because the matter was not making any progress and the interest charges were starting to add up. I received the police report on XX/XX/XXXX  after months of bad communication or information from my bank. Apparently over a certain $ amount if you do not provide a police report, they deny your claim. This would be nice to know, they claim they sent a notice to my home which I also never received. They told me at least 3 times the police needed information from me and each time I called the police station this was not the case. I talked to the officer many times who was assigned to my case (Officer XXXX PD) and she even offered to call the Fraud Team with me. This did not work either as the fraud investigator was almost impossible to reach, his name was XXXX XXXX XXXX. I even inquired the help of two different HSBC Managers(XXXX CT- XXXX XXXX XXXX and XXXX NY-XXXX  XXXX XXXX) and they struggled to contact the team as well as they are a separate department from retail bank operations. I finally threatened with a lawyer(XX/XX/XXXX, bank responded XX/XX/XXXX) and asked for the badge numbers of officers they claimed they talked to(XX/XX/XXXX, no response from the bank). I have heard from the branch/relationship managers that they denied my fraud claim for a second time because the point of sale system used at XXXX, one of the places I got frauded at, had a receipt with my email address on it. No one from the fraud team ever provided in writing a reason why I was denied. I know this is not a huge sum of money but it is mine and I want it back. The icing on the cake was I closed on my first home XX/XX/XXXX and these accounts were flagged as disputed accounts and came up in underwriting. I provided an explanation to XXXX XXXX XXXX and they approved my loan on a 30 day close. I went with XXXX XXXX XXXX for my mortgage even though the APR was higher because HSBC has lost my trust with the way they handled this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: PA
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 checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX/ {$0.00} / XX/XX/2021

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 2017-04-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Equifax regarding unauthorized inquiries on my credit report. I have made them aware that I have inquiries that I did not authorize. These companies, such as XXXX ( has XXXX inquiries ), XXXX 's XXXX, XXXX XXXX, were all unauthorized, and done fraudulently. I asked Equifax to remove these items because I have never had an account with either company, and this was fraud. I was told to contact the companies, and follow their procedures to them removed. I need for all unauthorized inquiries to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM 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
Consumer complaint received 2022-04-29
Company: HYUNDAI CAPITAL AMERICA
State: IN
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:
In accordance to Fair Credit Reporting act. These accounts listed below has violated 15 USC 1666B. 
Hyundai Capital America acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1666B states a credit reporting agency may not report any open end consumer plan late for any purpose.

15 USC 1605A states the finance charge is the sum of all charges.

15 USC 1681A ( 2 ) ( A ) ( I ) states a consumer report does not include transactions or experiences between a consumer and a person making the 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 explanation
Consumer complaint received 2019-12-17
Company: AmeriCollect
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested validation not verification of a debt being reported on my XXXX  credit report from Americollect in the amount of {$210.00}. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand the disclosure to me all of the documents that Americollect Inc.have recorded and retained in their file at the time of my request concerning the accounts that are reported in my credit report. Americollect responded to my request by saying that these accounts have been verified, I specifically asked for validation. Americollect has responded with a bill that does not prove that this debt is mine, nor does it have my signature, nor does it have any proof of a contract that I had with Americollect or the XXXX XXXX XXXX who is listed as the creditor on the response from Americollect. It also has an incorrect DOB for me listed as well. The itemized statements that were sent by Americollect do not even list the same company as the creditor as it is reporting on my credit report. Americollect is not licensed by State of SC. I want this information removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Atlanticus Services Corporation
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I noticed there were XXXX charges at {$5.00} for XXXX XXXX when I logged in pay a bill. I contacted Aspire card services on XX/XX/2021 to report this as fraud. They told me this would be investigated and sent me a new card. However, in the subsequent weeks, I have noticed that the charges were never removed and I never received any notification of their investigation. I contacted them several times to find out the status ( on dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021. Finally today, XX/XX/2021 they send me a form saying I have XXXX days to complete it. Within the form they sent is a section where I am to contact XXXX ( however you do that ) and basically investigate the issue myself. I have NEVER had a credit card company operate this way when I customer is notifying them of fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midwest Recovery Systems attempted to ding my credit by reporting to the three credit bureaus that I owed money on a payday loan. When I requested for said proof, they never provided. Therefore, they agreed to remove tradeline off my credit reports. And they did, for XXXX only. 

The negative tradeline still shows on XXXXn & XXXX. Therefore, I request that they remove those negatives items, just as they did on my XXXX  report. Therefore, I resubmit once again a complaint for them to do right. I should not have to complain with the CFPB every month to take care of this, this should have already been done. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: CITIBANK, N.A.
State: CA
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:
Sears account from CBNA reported XX/XX/2018 reported as late payment. I went to the XXXX XXXX Sears XXXX in California to make the same payment each month, and have never been late. I am appalled that this payment was late, and if you review my account for every month, I have never been late. 
Please be so kind to delete this record from my credit. 

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 2022-04-29
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:
Account number XXXX Account number XXXX Account number XXXX Account number XXXX account number - XXXX Has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2, also states a consumer Reporting agency Can not Furnish your account without my written instructions, So the credit bureau stated that my accounts was properly investigated but how is that possible when open dates are inaccurate, the last dates is inaccurate, the date report is inaccurate, payment history of account info is inaccurate, current year dates are listed on closed accounts recurring debt thats inaccurate, paid and settled accounts are still reporting as current thats inaccurate has not shown verification of debt, public records nor written agreement of any debt as requested in the past or current has not been sent to me as requested by the bureau these are grounds for removal - I send letters and submitted proof by certified mail, and hold copies on what has been send to them to the credit bureau on creditors disclosing & not addressing creditors that has been paid through thirds parties that continue to report accounts inaccurate public records verification has never been verified upon request and inaccurate reporting from all bureau, XXXX, XXXX, & Equifax wasnt properly investigated on there behalf Equifax resources reporting through XXXXXXXX XXXX  which I have submitted paper work by XXXX XXXX stating they have no information in they database of me, so how is Equifax reporting inaccurate or accounts saying its Verify by XXXX XXXX XXXX which the bureau According to 15 usc 1681 I have showed you actual damage Sustained by the consumer as a result of the failure advantage is not less than XXXX dollars and not more than XXXX dollars per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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:
To whom it may concern, I have looked at credit report back around XXXX 2021 and noticed I had a hard inquiry from XXXX XXXX Inquiry date : XX/XX/2021. I had called chase and the credit reporting agency companies. Both XXXX  and XXXX  removed this from my credit report as I never applied or gave anyone authorization to apply for anything under my name. I never signed any paperwork and have no knowledge of applying for anything that is new. I have 2 credit cards with that company so I would have no reason to do anything else credit with them. It seems that only experian still shows it on the report and for some reason it is still on there. I have tried to call experian XXXX & XXXX of 2021 and was told it would be removed from there customer service team.

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 2021-12-13
Company: FIRST ADVANTAGE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Leasing offices are reporting an existing XXXX on my background. I have a clean criminal record and have never been convicted of a XXXX in any court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2022 I learned that XXXX had greatly downgraded my credit score and requested a report to learn the reason. The report indicated a debt to Capital One. The last bill I received from Capital One ( by email, as was every other prior bill ) was paid in full in XX/XX/2022 ; and I have not received any communication ( email, mail or phone call ) from them since. I called the bank on XX/XX/XXXX and learned that there were charges totaling {$20.00} made in XXXX and XXXX. I am not disputing this, only the interest and late fees which came to {$100.00}. The first person I spoke with at the bank could not explain why I had not received any emailed statements, and said " the system '' could only allow her to waive {$40.00} in fees. I then spoke with a manager who claimed that they did send me emails, but they were " undeliverable. '' At first he would not provide the email they had on file, but then asked me for it. When I provided it, he told me it matched the one on file. I was told that it was my responsibility to check my statements and to ask my email provider why I was not receiving the bank 's emails. When I asked why did they not call me, I was told they have too many customers to follow up on instances like mine. I authorized a payment of {$20.00} from my bank account and requested that my account with Capital One be closed. The manager agreed to do so, but said the bank might continue to bill me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06
Company: ERC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 at XXXX XXXX. I received a text message looking for a " XXXX XXXX. '' I have been pestered by these kind of calls and texts before, the last time from a company called ERC, who promised to take my phone number off their records. I don't know a XXXX XXXX, and I have had my phone number since the late XXXX. Apparently someone by that name, and a " XXXX XXXX '' have used my phone number fraudulently. I have explained this to a number of debt collectors, including ERC, XXXX XXXX XXXX, XXXX XXXX as well as XXXX XXXX. They use various rotating phone numbers to call me or text me, looking for " XXXX XXXX '' and/or " XXXX XXXX. '' I have attached the letter I received from ERC as well as an image of the text that came today from phone number XXXX. They want me to call XXXX, file number XXXX, requesting XXXX XXXX ' immediate response. The phone number beginning with XXXX also called and left message XX/XX/2020 and I filed a complaint with the FTC on that occasion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My Citizens Bank checking account was compromised in XX/XX/XXXX when a check was stolen from the US mail and used to attempt to steal money from my account. When I saw the initial activity debit then the funds returned, I asked the bank about it and they told me what they thought happened. They were very nonchalant about it. Said it happens all the time. They advised me to change my account number. I had them change it the next day. Then the. nightmare began. They attached the new number to the old account so at first I wasnt clear on what was going on. I eventually was able to double check every bill I paid to make sure it was from the new number. Fast forward to XX/XX/XXXX, there are come companies that cant be bothered changing the the account number I provided them with, such as XXXX XXXX XXXX XXXX. They did it for one account but not the other. I took both accounts off line. Thats an inconvenience for me not them. My XXXX forgot to change the account number when doing my taxes. Neither of these were my fault. The bank refuses to close the account or separate it from my account because they say Im still using it. Today I see that a check I sent by mail to the CPA was taken from the wrong account. I know I didnt do it. I asked the bank last month how long its going to take for this account to be closed. They said as long as it takes. Whatever happened to closing an account and sending the check back!? These new so called regulations are another way the feds are letting the banks operate as loan sharks with exorbitant overdrafts fees. And the federal government couldnt care less. The disgusting irony of this is that when I opened my bank app today there was a banner declaring today is XXXX XXXX XXXX Day. Clearly the US government and all the big banks think that means XXXX AN ELDER TODAY. Tell me Im wrong by making them close this account number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Portfolio recovery states that when you pay your account, after the final payment they will do a tradeline deletion on there accounts.they will send out letters to the 3 credit bureaus and request a tradeline deletion. I have learned that this services goes against the consumer data industry association guidelines and undermines the credit system. When you look at your credit report there is no deletion, when you call the credit bureaus they are clueless, when you call portfolio recovery they just say that they sent the letters to the bureaus and state what date they went out, when you press them for more answers they don't know. This is in my opinion false advertising to the consumer and they should be held liable.

Company response to consumer: Closed with explanation