BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX credit card account with HSBC Bank USA, N.A. ( Bank ). 

During XXXX and XXXX XXXX, the Bank launched a new account servicing website for its personal ( consumer ) banking services. The website permits consumers to access and take action regarding numerous products, including deposit accounts and credit card accounts. As of XXXX XXXX, XXXX, at least, if not for the entire time since it 's launch, the new website effectively buries the option to make or schedule a payment toward a credit card account. It can only be accessed by clicking a small, inconspicuous " View Details '' hyperlink on the account servicing page to launch a legacy website that contains the payment option. See attached screen-capture. This is not obvious in any way. Additionally, the View Details hyperlink will only launch the legacy website IF the consumer 's web browser 's pop-up blocking option is disabled. 

I did not sustain any injury as a result of this extremely notable design choice or defect, but only because I was willing to wait over 40 minutes to access advice ( via telephone and " Live Chat '' ) from a customer service representative who explained how I could access the payment option on the legacy website. Other consumers, however, might have sustained injuries by not being able to make or schedule a timely payment toward their credit card accounts. It is inconceivable that the Bank could have launched the new website without including a clear option by which to make or schedule a payment online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I received a gift card as a bonus from work in XXXX XXXX with XXXX $ on it. It expired on XXXX XXXX. The company XXXX with phone number ( XXXX ) XXXX XXXX says they will not replace the new card based on their terms and conditions. On the CFPD website it says they should be able to replace the card : XXXX : XXXX What can I do about this how can I get this money back? 

-XXXX  Also , I am very happy that a resource like website exists for people like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: LA
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 have contacted all bureaus and the furnisher to get the late payment removed from XXXX XXXX  Account XXXX. This account was not late in XXXX, XXXX, XXXX, or XXXX of XXXX and there were no late payments reported during that time period. ( XXXX XXXX  reported multiple false late payments after I paid the balance of the vehicle off ) In XXXX of XXXX, I was displaced by a natural disaster ( flood ). I contacted XXXX XXXX and advised them of the situation. They informed me payments were deferred for 6 months ( XX/XX/XXXX ). A payment was taken out of my XXXX XXXX checking account without my permission & when I spoke to an accounts manager, the money was reversed back to my checking account. I paid the entire balance off the following week ( still within my 6 month deferment ) & XXXX XXXX reported multiple late payments when they should not have. This is an illegal credit reporting violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: SLM CORPORATION
State: NH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sallie Mae will not stop contacting my father about my loans. He is ill and this is completely inappropriate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX
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:
I was contacted by a Debt collector company Conserve to my personal phone number twice today on XX/XX/22 on some issue my father is currently trying to resolve. The collector would not give me any information on dates of letters sent out or how many attempts just that they had done it " many times ''. My father does not speak English and this collector does not speak XXXX. I asked her to not call again and as a result and I told her one of the accountants of my father was probably handling that information but I did not have a contact because I do not work for him. She then demanded for me to provide a number for the accountant and act as a translator even though I am not responsible for this nor do I work for my father or her company. I told her I would try to make the accountant aware of the situation although I made no promises because it is not my job to do her job. She also refused to send my fathers business an additional letter for filing purposes and told me that they already had many times but they had 2 addresses on file and she refused and kept demanding I get my father on the line. She kept telling me they were trying to avoid extreme ramifications like forceful debt collect by vague implication a couple of times during the call but not vague enough by making sure to inform me that they " have his social security on file '' as part of that threat, I told her that it was unnecessary to mention that because obviously to go through this a social security number was provided when the loan was made that's how loans work. I am also an individual on the XXXX XXXX so I don't understand what she was trying to do with all her threats and mean tone that she probably got as a result of my monotone voice and telling her that some things don't make sense to me. I told her I am not responsible for anything relating to this part of her job and to not call again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Spring Oaks Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
the account wasn't already charge off the sold it to another company and increase the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: CITIBANK, N.A.
State: PA
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:
My account has an {$8000.00} balance, in XXXX unbeknownst to me I exceeded my credit limit. I have to Citibank cards and one has texts alerts on it but the AA card did not. Citibank allowed another {$1600.00} to charged to my account even though I exceeded my credit limit. I thought credit limits stopped you from charging more purchases. Isnt that why its called a credit limit? You are limited to that amount of $ $ to spend. According to Citibank that is just their threshold of when you are then required to pay 100 % of the overcharges as your minimum due. The XX/XX/XXXX statement reflected XXXX + 1 % of total amount... .yet on XX/XX/XXXX my balance was {$2000.00} until I made a payment of {$9900.00}, which reduced my balance to {$60.00}. Over the next 3 weeks I charged {$1800.00}. My monthly autopay is set up to pay the minimum due, yet my bank account was charged {$1800.00}, which my bank denied due to NSF and now I have a NSF fee from the bank and in 30mins of talking on the phone and another hour on webchat with Citibank they will not reverse the payment and tell me its my fault because I went over my limit in XXXX and THEY kept allowing me to charge another {$2000.00} - that's 25 % of my total credit line. This is UNFAIR, DECEPTIVE, and ABUSIVE practices.

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 2022-01-17
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SLS Mortgage put our Mortgage onto Forbearance with out us asking, they took the liberty of changing my terms without permission. I contacted them several times got nowhere. Our account was on EFT XX/XX/2020 payment was taken then towards the end of XXXX I noticed that no payment was taken.I called them to find out whats going on and they told me to email them a note explaining what happened and it would be fixed, it wasnt.after several calls I filed a complaint with the AGs office and got nowhere again.The rep asked me when I CALLED her if I had made the XX/XX/2020 payment I didnt know what she was talking about so she told me about a letter sent from SLS that on XX/XX/2020 I was to resume payments as if nothing happened. I NEVER GOT THAT LETTER, so i asked her to forward it to me Now this is the end of XXXX at that time SLS wouldnt honor their letter sent .This is so frustrating as this is my family home my children ( who we still have to support ) are the 4th generation to grow up here.This house has HUGE sentimental meaning to me.I am a XXXX survivor and 6 weeks of XXXX XXXXXXXX and 2 weeks of XXXX, destroyed my insides, I unfortunately suffer with severe XXXX issues, I am now dealing with a spot on my XXXX, and Large XXXX Stones I am in bed 95 % of the day everyday as i am riddled with pain I have severe XXXX and XXXX XXXXXXXX in both hands I cant use them at all, I need to have surgery on both hands but with Covid around Im on the backburner! I unfortunately collect Medial XXXX I can not deal with this SLS committing FRAUD! PLEASE 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 explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: AL
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:
IDENTITY THEFT AND FRAUD INACCURATE INFORMATION DELETE CHARGE OFF. 15USC 1681e ( b ) ACCURACY OF REPORTING AGENCY WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY. 
XXXX AND XXXX HAS DELETED CHARGE OFF. CHARGE OFF IS XXXX IRS TAX FRAUD WHO HAS GAINED GROSS INCOME ATTEMPTING TO COLLECT A DEBT THEY DONT OWN. DELETE CHARGE OFF AND TAX FRAUD FROM CONSUMER 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 2017-09-10
Company: EQUIFAX, INC.
State: MO
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:
On XXXX XXXX, 2017, I was made aware that there had been a major security breach involving Equifax in which millions of consumers ' personal information were stolen. Equifax 's management 's involvement in the breach and Equifax 's subsequent actions following the breach have been atrocious. Security management practices at Equifax, a company responsible for the handling of all American consumers ' most vital personal financial information without the consent of those same consumers, were insufficient to guard against a major breach. Following the breach, Equifax 's executives chose to withhold this information from affected consumers for months, in spite of our rights to be informed of the mishandling of our personal information and lessening our abilities ' to immediately counter illegal activity. Equifax 's executives ' decision to withhold the information of the breach may also be attributed to their decisions to sell large amounts of their Equifax stock to personally profit knowing that Equifax 's stock would plummet once consumers and investors were made aware of the breach. Equifax has also chosen to continue to charge for credit freezes, which, despite individual states ' legislation deciding the rates credit agencies may charge to freeze credit, is at the discretion of credit agencies such as Equifax. Equifax 's ONLY response to the breach has been to make consumers quasi-aware if their information has been compromised with various vague messages and an offer to enroll in a free identify theft protection program ( also managed by them ) for one year, despite the consequences of the breach extending for a lifetime. Overall, I, and the millions of consumers affected by Equifax 's mismanagement of our most vital financial information, are incredibly dissatisfied with Equifax 's actions related to the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
So I submitted disputes on both collections in XXXX, requesting validation, copies of investigation and sources used, and documents showing signature of debtor as the only unquestionable medium of validation. Received nothing and investigation was concluded with updating information on both collections. Being this dispute was not satisfied correctly which to my understanding are fcra violations, I submitted another requesting same info as first time, Experian concluded the investigation near immediately referencing previous XXXX dispute as findings and again not providing all requested information. So 3rd disputed was submitted on both last week and Experian immediately denied the dispute. All things listed being violations of the FCRA punishable by fines per violation. Then whoever the Experian rep was responding, started requesting information and copies of I.d . and utility bills like theyre siding with companies. The bureaus position is only to properly report, properly follow the processes set by law, and correctly report information given. Violating debtor rights and playing advocate on behalf of companies is apparently what they believe their job is now. Laws are in place to protect consumers, not deny them of their rights all together and to not follow the process of of doing a full investigation by the process no matter how many time any given credit line is disputed. To the best of my understanding thats exactly what is supposed to happen every time, is the full process of the investigation, not just a yea we did that already and updated. Updated info was not requested. Validation of debt was requested with copies of results, sources, and signatures. None happened. Thank you for your time in looking into this. Credit means nothing if theres no credibility within the credit bureau itself. Then we have nothing to go by

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 2017-09-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the Equifax credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information, and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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:
I recently checked my credit report and saw numerous accounts that do not belong to me, nor have I applied for. The company showing a closed account is XXXX XXXX XXXX XXXX XXXX I also noticed multiple inquiries reporting : XXXX XXXX, XXXX XXXXXXXX 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 2017-09-10
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:
I sent in a dispute letter to remove inquires to Experian on XXXX XXXX and I have not received a response back. I have tried calling Experian on XXXX XXXX and XXXX asking for status of the letter. I also have tried disputing the inquires over the phone. I am told that there is nothing they can do and they will remain on my credit report for 2 years. I did not authorize the inquires and I advise them they were not done by me. I was told to contact the companies to have them removed and I have tried that as well and the companies do not have any information on me or who I am, they told me to contact the bureau because obviously they were entered in error on my report. The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. I would like the below inquires to be removed from my credit report and for the reason that Experian did not respond to me in 30 days and just ignored my previous attempts to dispute the inquires. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX 5.  XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 2nd issue : I have contacted Experian on XXXX XXXX and XXXX XXXX about a bankruptcy reference XXXX that is showing on my credit report that is not mine. Both times Experian stated that account was verified as being accurate but failed to provide any documents on how it was verified and with who. According to the Clerks Office of The United States Bankruptcy Court ( XXXX XXXX of GA-XXXX XXXX ), the US Bankruptcy Court does NOT send, furnish or report any information to credit bureaus nor does it know the procedure and process of said agencies. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. The Experian Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature With that being said, I find it very hard to believe that this information was verified. I would like this judgement to removed due to Experian being able to verify or show proof that I own this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: NY
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:
Equifax, despite being warned months before, did not keep their security up to reasonable standards and my information was accessed by an unauthorized third party. Rather than notify me directly, I had to see it in the news and do my own research to find out that I was indeed affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: VA
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 information was compromise in the Equifax security breach on XXXX XXXX, XXXX. Also, why did the public just learn of this breach in XXXX when Equifax knew in XXXX? Equifax should pay to have my credit frozen.

Company response to consumer: Closed with explanation