BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-27
Company: CITIBANK, N.A.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My Citi Aadvantage credit card is 9 days past due and Citi has called me 4-5 times per day over the last week to remind me of it. They are concealing some of these collection calls by saying " we sent you a new card and want to make sure you received it, by the way you 're past due, can you pay it now? '' It 's a deceptive practice that needs to be stopped. I feel harassed and the number of calls has become annoying. I just payed the bill today, but their communication practices, I believe, are illegal.

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 2019-10-20
Company: REGIONS FINANCIAL CORPORATION
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 disputed my Regions account ( personal loan ) through the credit bureaus and i tried contacting Regions, but all the phone # s do not work. 

Regions Bank has been incorrectly reporting the closed date of my personal loan since it was included in bankruptcy last XXXX. 

The actual closure date was XX/XX/XXXX ; at first, regions Bank put the closed date as XX/XX/XXXX, then XX/XX/XXXX, when I disputed it at the time, and now Regions reports the closed date ( as result of a dispute ) as XX/XX/XXXX, which caused my XXXX  credit score to drop by 15 points as it is seen as a recent delinquency.

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 2022-03-23
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I deposited a cash fund from my main bank XXXX Bank at US bank on XX/XX/22. After 2 days I did the international wire transfer {$15000.00} at US Bank on XX/XX/22. But they kept it until XX/XX/22 with out informed me the reason of why they didnt transfer. I contacted the person who was processed the wire & told me the the fund youre sending is suspicious. I asked him why did you Guys told me until now. He said I dont know that is the back office responsibility. 
I told him not to send the money.I will send from my other Bank. 
After 2 days I transferred back the fund from US bank to XXXX bank through XXXX with daily limits {$3500.00}. After 2 times transfer the branch manager XXXX XXXX closed my checking and Saving accounts and sent me the XXXX checks.

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 2022-03-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use 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 explanation
Consumer complaint received 2016-03-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
HSBC recently began charging a number of new fees on my checking and overdraft protection accounts. I am not aware of being notified that these new fees would be put into effect, nor am I aware of having agreed to this significant change in the terms and conditions of my bank accounts. It is possible that these changes were hidden in one of the periodic updates to the terms and conditions of my accounts with HSBC but no attempt was made to make me actually aware of these significant changes to the fees which are charged to my bank accounts. I have had my HSBC checking account for 15 years and my select credit ( overdraft protection ) account for more than five years. Looking back through my banking statements, I can see that HSBC did not begin charging these particular fees until XX/XX/XXXX. 

The XXXX new fees are a 'maintenance fee ' on my checking account and a 'miscellaneous debit transaction fee ' on my select credit account. I was charged maintenance fees of {$15.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for a total of {$120.00}. I was charged miscellaneous debit transaction fees on XX/XX/XXXX for {$10.00}, on XX/XX/XXXX for {$30.00}, and on XX/XX/XXXX for {$20.00} for a total of {$60.00}. I was told that HSBC charges a {$10.00} fee for every transaction on the select credit account. The fees I have listed include all instances of these fees being charged to my checking and select credit accounts during the 15+ and 5+ years that they have respectively been open. After speaking with HSBC customer service representatives, some of the fees have been reversed but they will continue to charge them on new transactions. 

I believe that I was also deliberately misled by HSBC customer service representatives. I was told repeatedly that the terms and conditions of the accounts have not changed and that these fees have always been in place. This is an obvious falsehood which is made apparent by a review of my bank records, which I have done. The 'miscellaneous debit transaction fee ' is also similarly titled to the normal monthly finance charge for the select credit account, which appears in my statements as 'miscellaneous debit *finance charge* cash advance. ' I believe that these fees were given similar titles in order to deliberately confuse and mislead HSBC customers so that they would not notice the new fees being charged to their accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-12
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
I applied for and received a credit card with American Express on XXXX XXXX, 2016. The bonus offer was XXXX Membership Reward points if I complete XXXX in spending before 90 days ( XXXX XXXX, 2016 ). I completed my spending requirements and was initially given my XXXX points on XXXX XXXX, 2016. Then, because this promotion was made in error by American Express, everyone who was given this card on XXXX XXXX had their points frozen pending a fraud investigation. I utilized the chat function on the AMEX website to voice my displeasure with this event because I needed those points to be available when I was promised them due to booking a family vacation. I chatted with XXXX at AMEX and let him know that I wanted to downgrade my card to another product that utilizes Membership Rewards but that I was worried I would lose my, at the time, XXXX MR points. He assured me not only could I change products, but that I would be given my full annual fee back and I would be able to keep my points, as long as I changed to another card that used those points. I took screenshots of this conversation for proof. I was then told that the review would be 6-8 weeks from when the points posted ( XXXX XXXX ) and nothing could be done to expedite. I waited until that time had passed, and my points were still frozen. I called the Rewards Department at AMEX on XXXX XXXX, 2016 and spoke with XXXX. She told me my account was under additional review because I changed products but there was nothing to worry about, it was OK to change products, and my points would be cleared by XXXX XXXX provided I had not committed fraud or returned mass items. Now today, XXXX XXXX, I logged in to find I had XXXX MR points deducted from my account. I first used the chat feature on the website to ascertain why. I was told it was because I changed products. I asked to speak to a supervisor due to the fact that I was told by XXXX different AMEX employees that I would be OK changing and keep my points. Supervisor said I had to call in to discuss. I called in and spoke with manager XXXX in Rewards and he informed me it could be for fraud, returning, or changing products. I have now had to wait 9 weeks for points I rightfully and legally earned. I did not cheat the system, make mass returns, or violate any policies. I spent, after minimal returns and fee adjustments, a total of {$3500.00} in the allotted time of 90 days, needing only {$3000.00}. I will also include my statements for the time in question to prove that fact. I am asking for assistance in getting my XXXX MR points back that I rightfully earned. I would like to avoid having to obtain legal assistance, but will if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested debt validation from Midland per Texas Finance Code Section 392.202. I received a response letter in the mail from them stating that the purpose of the letter was to advise me of the results of my dispute. They also stated in the letter that they would be placing dispute comments on my credit report. 

I did not dispute the account, I was simply requesting debt validation. 

I believe they are purposefully treating a debt validation under Texas financial code as if it were a dispute under the FCRA. I believe this is an abusive application of the FCRA dispute process as placing dispute comments can derail credit applications. 

In addition they did not provide me any of the debt validation information that I requested and is required by Texas financial code.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13
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:
Reviewed credit report in XX/XX/2019 and found a XXXX Credit Card was opened using my personal information. Contacted credit bureaus to remove information and was denied due to verification from creditor. No evidence of verification was produced. Contacted XXXX XXXX directly and they are refusing to close account and remove from credit reports. I have requested numerous times to produce evidence and no evidence has been given showing the account belongs to me. I filed a police report, a complaint with the FTC and complaint with IC3 and  mailed all the complaints along with a letter and verification information ( License, social security card and current bill ) to both credit bureaus and creditor and the account still has not 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 explanation
Consumer complaint received 2022-07-18
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:
Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$98.00} ; XXXX XXXX Balance : {$5900.00} ; XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$61.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14
Company: Experian Information Solutions Inc.
State: OH
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:
LOOKING OVER MY CREDIT FILES TODAY AND I SEE ACCOUNT THAT I HAVE NEVER RECALLED DOING BUSINESS WITH THESE COMPANIES. I HAVE SOME ADDRESS ON MY FILE THAT DO NOT BELONG TO ME. 
THE FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I have filed a Police report and a FTC ID Theft 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 2020-01-21
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
There is a bankruptcy on some of my credit reports on XX/XX/2015. This does not belong to me. It is preventing me from getting approved for many things, including a mortgage, credit cards and much more.

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 2019-08-10
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I already had a Credit Credit card and I was issue a new one in XXXX of 2019. I destroyed the old card as required by Care Credit. Care Credit reported this to the credit bureau 's an a " new '' account and it was not because I was issued a new one that replaced the old one. They also reported the card that was replaced as a " closed account '' and both these reported affected my credit score negatively ( points taken off ) and caused a major delay with getting a mortgage for a home. I called Care Credit with the mortgage company agent on the phone and we were told that they would not issue a letter admitting that they were wrong and that the mortgage company had to take her word that the credit bureaus were wrong. We both explained that we were asking for a letter stating that a new account had not been opened and that an account had not been closed. The Care Credit agent said that it was the fault of all of the credit bureaus and that Care Credit would not admit to wrongdoing. In addition, the agent for Care Credit said that we had wasted 16 minutes of her time because nothing was going to be corrected.

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 2019-08-10
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Santander illegally repossessed my vehicle. they claimed they sent me a notice about taking the vehicle but this is a letter that i never received. they did not send this by any form of traceable mail that proves that i received this letter. I was unaware that this was going to take place they didn't give me any notice and i didn't receive a letter at all. then after the vehicle was taken by them they failed to make sure i received the letter that tells how much time of i have to get my vehicle back and how much it would be. They sent this letter via traceable measures but it was returned to them and i never received this letter either. Nor did they attempt to resend the letter to me to make sure that I in fact received it. they still have the vehicle and since it was illegally repossessed i want them to either remove this collections from my credit report or provide me with a letter that I can provide to the credit bureaus to remove this entry from my credit report. Since my vehicle was illegally repossessed i want this to be the outcome that will take care of them taking the car without notifying me and this will also keep me from having to take them to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
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:
Equifax refuses to abide by the laws put in place to protect consumers. I am at the point of seeking and obtaining legal representation to help with this matter. I have sent XXXX dispute letters to them directly requesting proof of the inaccurate accounts listed on my credit report. I also submitted proof that my personal data and security information has been compromised in the Equifax data breach. My most recent letter was mailed XX/XX/XXXX, again requesting proof or that they permanently removed the inaccuracies. To date I have yet to see any accounts removed, have not received any proof of accounts or contracts bearing my signature, nor any correspondence from Equifax that my request had been received. According to the XXXX I have the right to receive proof of debt if I am disputing its validity. Equifax continues to purposefully and maliciously break the law. They continue to report information that can not be verified. My credit history is blemished with false information and they refuse to comply with the laws set before them. I am honestly really tired of having to suffer financially because of this. My next recourse is to hire legal consul and ask that not only this information be permanently removed but that I be awarded damages for the trouble this has caused. And furthermore it appears that CFPB is also not forcing credit bureaus to abide by the laws set to protect consumers. I am at my wits end and I need you all to actually help and not allow Equifax or any other credit reporting agency continuously and purposefully not follow the law. I want these items removed promptly. Equifax has continuously disregarded time frames set and does not adhere to the laws set by the XXXX. I will not give up until this matter has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-03-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Peaks # XXXX is reporting a charged off account to my report that I have never heard of. I did not even know this account existed until I had my credit pulled and saw it on there. I've never received any form of notice or information about this account. I went to XXXX and they erroneously opened the loan, it is not mine. I have never had a loan through them nor did I sign anything. I am part of the class action law suit that was taken against them. This account is not mine and I need it removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Creditr Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; Bankruptcy XXXX XXXX-discharged US BKPT CT FL XXXX Filed XXXX XX/XX/XXXX Reference number : 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