BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Good afternoon, HSBC has mishandled my accounts in multiple ways : from telling me to fill out an application to open up a savings account ( after I had already opened up a checking account ) to suspending my mobile and online banking after depositing a government check. I and HSBC tellers have had to wait on hold often times from 20-30 minutes. I called once trying to rectify the concern and had to hang up because I had been going from department to department without resolution and my lunch time was over. 

I have had to send in documentation, I have been in front of tellers and provided documentation and there is no way that this bank should be allowed to restrict access to funds for over 2 months after being provided with i.d., social security number and other information. 

The concerns were supposed to be rectified from prior complaints ( they were not XXXX & XXXX ). This issue began in the latter part of XXXX/first part of XXXX. I was assured that the matter of being able to access my account/my funds was handled : it is not. I sent an email and called on XX/XX/XXXX. It is XX/XX/XXXX : there has been no response and I do not have access to the money. I did take most of the money out when I visited the bank. However, I want the remainder of my funds. 

I called today and had to leave a message like before. 

Please assist me in retrieving my funds, closing the account, investigating HSBC practices and holding the employees responsible accountable ( up to and including termination ). 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have not had a pennys card in over 17 years.. did someone use my name?

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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Ive requested to have the removed from my credit. It has yet to be done after several attempts. Please have them removed. 


XXXX XXXX XXXX INCLUDED IN BANKRUPTCY XXXX XXXX INCLUDED IN BANKRUPTCY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX INCLUDED IN BANKRUPTCY XXXXXXXX XXXX DELAWARE XXXX XXXX XX/XX/XXXX XXXX XXXX INCLUDED IN BANKRUPTCY XXXX XXXX XXXX XXXX XXXXXXXX COLLECTION XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX COLLECTION XX/XX/XXXX XXXX XXXX XXXX INCLUDED IN BANKRUPTCY XXXX xxxxXXXX XXXX XX/XX/XXXX XXXX XXXX INCLUDED IN BANKRUPTCY XXXX XXXX XXXX INCLUDED IN BANKRUPTCY XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
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 would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 

There was a period of time in my life that was very difficult to handle due to some problem. I always tried my best to get every payment to you on time. I had a few lateness education loans which I paid. I paid every thing a have {$0.00} balance. But old lateness still reporting in my credit report, and ruining credit. 

I am asking you and your company for a goodwill request to remove paid lateness from credit report. 
Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter. 
DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX XXXX XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: HI
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 AND Equifax has false, erroneous & harmful information from my credit profile and should rectify this as soon as possible by deleting this from my credit report. 
this is not only incorrect but is also impacting me negatively as I can potentially be denied employment and or housing. 
the accounts that should be removed are : Dept of EdXXXX Dept of Ed/XXXX US Dept of Ed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied a new checking account in XXXX. This is a special promotion to receive a bonus offer {$250.00} who opens called Everyday checking account with Wells Fargo Bank. 
My application have been approved, and my new account is eligible to receive a bonus offer. I have received an email from them and it will be deposited {$250.00} within 45 to 60 day. In order to receive the promotion offer, I need to meet all criteria. I have made all criteria their requests. However, their promotion have not been promised because I already have a checking account with them. They already knew I have a different checking account and have approved my application and the special offer. However, they have not promise.

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 2020-03-26
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: Information belongs to someone else

Complaint:
I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 

There was a period of time in my life that was very difficult to handle due to some problem. I always tried my best to get every payment to you on time. I had a few lateness education loans which I paid. I paid every thing a have {$0.00} balance. But old lateness still reporting in my credit report, and ruining credit. 

I am asking you and your company for a goodwill request to remove paid lateness from credit report. 
Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter. 
DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
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:
Theres things on my credit report comes from identity theft I have a police report and they still have fixed Ill file a dispute and all they do is update the situation with my correct information after I report identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX I booked a hotel stay through XXXX with my Synchrony Gap credit card for a XXXX trip scheduled XXXX in the amount of {$650.00}. My husband called and confirmed the trip with the hotel and the confirmation number that was given to us was not only bogus but it was not even the correct amount of Characters. We then did research on the XXXX Company and there was complaint after complaint of the website and company being a scam. We then did further research and found out the Hotel had been closed since XXXX and would not reopen until early to mid-XXXX. Our trip was scheduled for XXXX thus it was clear we had been scammed. I then contacted Synchrony band Gap credit card and filed a dispute before the trip took place in addition to faxed them the evidence of the Freud/scam that had taken place so they could confirm the scam and received a credit back to my credit card on XXXX. Weeks later they took the money back out of our credit card account and sent me MY evidence that I had faxed them and they stated they did an investigation and this was the evidence they found and said that we would still be responsible for the {$650.00}. The evidence had my hand writing on it, so clearly they did not " find '' this evidence in their " investigation ''. I then called Synchrony Bank Gap credit card again and would get all the way to the dispute department at which point we would verify our account and then be told " the system is having issues '' then put on hold, only to be hung up on minutes later. This happened a total of FOUR times and has totaled the amount of 2.5 Hours of phone duration time. On my fourth time I asked the beginning customer service specialist to see what she thinks of the notes before transferring and she had her supervisor assist her and they found that the bank had already been reimbursed by XXXX charges and did not understand why Synchrony was trying to charge us again. Once she transferred me to disputes department I was then put on hold and hung up on AGAIN. I need assistance with Consumer protection. I understand we were victims of a scam but the bank is refusing to help us with this consumer Freud issue. I looked up this bank and there were XXXX complaints with the better business bureau with similar situations. We pay our accounts in full and on time EVERY month. I do not understand why they are choosing to treat good customers in a dishonest and illegal manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-09-04
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt only shows up on my XXXX credit report and it has been deleted from both XXXX and XXXX which I believe is grounds for removal from my XXXX as well. I am also attaching a screenshot of the collection from the credit report and a copy of the letter that I have mailed to the collection company in which I am challenging the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Been receiving harassing phone calls from synchrony bank concerning a sam club credit which I do n't have. I contacted the bank and was transfer to sam club credit. Sam club credit acknowledge that they have no record of me. I ask for the phone calls to stop but they still keep coming. Been receiving these phone call for a month, several times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Weeks ago I received the attached 1099-A from Chase ( see attached ) showing in the top right corner of this form, that they have " furnished '' to the IRS, this attached form, when in fact I just got off of the phone with IRS representative ID # XXXX XXXX XXXX for near an hour talking with her. She informed me as of Today XXXX at approximately XXXX pm, when I talked to her that Chase did NOT file any 1099-A with the IRS. This is the second time since XX/XX/XXXX when Chase did the same thing with the last illegal fraudulent foreclosure on my home, sending me the first fake 1099-A form, which they later resinded and corrected the 1099-A ( see attached ). I am asking the CFPB to investigate and inform the FBI, FTC, and IRS of these false forms being sent to me in a desperate attempt to steal my home AGAIN with FRAUD!!, while emotionally terrorizing me for years. I am XXXX yrs old, XXXX, indigent, with only a high school education whom recently had XXXX XXXX in XXXX of XXXX and another medical stress related event This week being admitted to the hospital due to the severe stresses done to me here since XXXX by Chase for illegal foreclosures on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: FISERV INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I got a letter from TRS saying they bought a debt of mine that was not a valid debt, as can be seen in the attached file, the bank returned the money to the merchant, I right away provided the information via their website, and never heard back. On XX/XX/XXXX they sent me a follow up, I called on XX/XX/XXXX and they told me the dept that handles paid debts is not reachable and I should just wait for them.

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 2015-06-05
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have a credit card serviced by Synchrony Bank. I have always paid my bill in full and on time every month. I gave my daughter permission to use the card. A couple of times she paid prematurely from her bank account and had her payment denied. Instead of sending a warning or charging a fee for bouncing a check, Synchrony closed the account without warning and dinged my credit with a charge of NSF. I feel they treated me worse than people who are late payers. I repeat that my bill was always paid in full and on time. 
I have other credit cards and do not care about this card, but I do not like being treated in such a disrespectful manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
On XX/XX/2022, I checked my TRANSUNION Credit Report that is linked, XXXX  : XXXX XXXX to my XXXX XXXX Bank Account. To my surprise, TRANSUNION is falsely, inaccurately reporting and sabotaging my reputation, by reporting on my Credit Report that, I have 2 recent XXXX XXXX BANKRUPTCIES. This devastating fraudulent inaccuracy is saying that I filled BOTH of these BANKRUPTCIES on XX/XX/2022. I ASSURE YOU THAT, I HAVE NOT FILLED NOT XXXX XXXX XXXX XXXX XXXX BANKRUPTCIES on XX/XX/2022. 

My husband and I are in the process of getting ready to purchase a home. After our Realtor was made aware of this falsely, inaccurately reporting and sabotaging my current reputation, she immediately said this would be an issue, because I couldnt have any RECENT BANKRUPTCIES less than 2 years on my Credit Report in order to possibly move forward in the purchasing of our first home. DO TRANSUNION HAVE ANY IDEA WHAT THIS HAS DONE TO ME! I literally have been XXXX ever since my Realtor stated that to me. I was so devastated over this, I didnt even go out of town with my Family and to celebrate my Aunts Birthday with her, because theres a STRONG possibility that my husband and I wont get the home we have our eyes on, due to this FALSELY AND INACCURATELY REPORTING. 

So, the home that my husband and I have our eyes and hopes on of purchasing, may possibly be purchased by other buyers, due to TRANSUNION FALSELY AND INACCURATELY REPORTING THIS ON MY REPORT. 

Now, I spoke with XXXX XXXX on Friday, XX/XX/2022 about this FALSELY and INACCURATELY reporting on my TRANSUNION Credit Report they share with them. And I was told by XXXX XXXX that they ( XXXX XXXX ) did have anything to do with this. All they do is provide us ( MEMBERS ) a free access to our Credit Report provided, by TRANSUNION.

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 2021-11-28
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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