vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2022 i call XXXX and capital one to remove a inquire reporting on my credit report told both companys i did not make this inquiry someone has my info please remove..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
CONSUMER FINACIAL PROTECTION BUREAU URGENT. 

SUBJECT : STOP HSBC UNAUTHIRAZED TRANSFER MY BANK ACCOUNT TO XXXXXXXX XXXX HSBC Bank have agreement with XXXX XXXX  transaction and transfer my all accounts, direct SS deposit account, saving account ( XXXX ) checking. ( XXXX ) Creditcard ( XXXX ) final transfer on date XXXX. 
I did not have knowledge about until HSBC letter I received on XXXX XX/XX/2022, But Hsbc letter was dated XXXX XXXX .HSBC letter which I received on few days before transfer account XX/XX/XXXX. XXXX. 

HSBC did not inform before the agreement and I have not received any information regarding my Bank account transfer from HSBC and XXXX Bank. 
I can not witdrow or transfer-wired to other Banks on line internet banking. I have Hsbc Security device is block-disable. 
Du to PANDEM I can not travel.I need money to daily expenses. 

Hsbc still in business in USA and not close for business.But they sell my Privacy, name and my bank account to XXXXXXXX XXXX without my Permission and knowledge. 

BY law HSBC responsibility consumer banking stransactions with my SS direct deposit, saving, checking, debit and credit card accounts safe and secure in HSBC Bank. 
by law HSBC without knowledge transfer and unauthorized to sell my bank account to illegal business transactions with unethical bussiness profit. 
Stop my Bank account unauthorized and illegal transfer to XXXXXXXX XXXX. 

Sincerely. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company.

This has caused me defamation of character, severe hardships, P
ain, Emotional Anguish, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted. 



The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, XXXX, and Equifax must remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Previously filed a complaint regarding Equifax not sending my credit report, they responded indicating that it was sent ( they didnt prove that it was mailed ). I still havent received the report and it is well over 30 days from when I requested it on XX/XX/XXXX. It is my belief that they lied to me and the CFPB about sending it so that they could have the previous complaint ( XXXX ) closed. When I was able to check my report about a year ago, Equifax was reporting my old name and address from roughly 10 years ago. It is my belief that Equifax is intentionally reporting this false information, and then in turn are not sending me reports so that I cant dispute the false information. All the credit bureaus were notified of my name change in XXXX, and they have been updated on my addresses since. There is absolutely no reason why Equifax should be doing this, unless they just have blatant disregard for their responsibilities under FCRA! At this point I want compensation from Equifax for this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX {$530.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/2022 someone used my debit card information to make a fraudulent purchase of {$530.00} from XXXX XXXX XXXX. I disputed it with my bank, Chime ( banking services by XXXX Bank XXXX and in a very quick turnaround they denied my claim. There was little to no time for any investigation to be had. I've called and pleaded with them to reopen the claim, but they tell me I need to bring new information to the table. I contacted XXXX XXXX XXXX myself and they've told me that they can not look up any transactions without a ticket number ( which I obviously do not have ). I've hit a dead end and have simply lost {$530.00}. 

I've never even heard of XXXX XXXX XXXX before this. I've never traveled to the XXXX XXXX. I have geolocation on my phone proving I've been in America all year. If a real investigation actually occurred, any sane person would realize I did not make this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc.
State: TX

Complaint narrative:
PROCOLLECT INC KEEPS SENDING ME NOTICES ABOUT SOME COLLECTION ACCOUNT. A PREVIOUS COLLECTION ACCOUNT WITH THEM HAS BEEN SETTLED AND PAID. IN RESPONSE TO THE NOTICES I AM GETTING, I MAILED A FORMAL DEBT VALIDATION REQUEST TO PROCOLLECT OVER 60 DAYS AGO WITH NO RESPONSE. I AM REQUESTING AN ITEMIZATION OF THE COLLECTION ACCOUNT IN WHICH THEY SAY I OWE. PLEASE MAIL ME ALL DOCUMENTS OR DELETE THE ACCOUNT FROM MY CREDIT REPORTING ASAP. I HAVE ATTACHED A COPY OF THE DEBT VALIDATION REQUEST I MAILED. 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 2022-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I received a copy of my consumer report and found a collection/chargeoff account that I didn't recognize and reported only by XXXX. I was distressed and it affect my mental and physical health. I want to take legal action about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am using wells Fargo credit card, and setup automatic payment for every month ( statement balance ). past 2 months payment not went through reason email from XXXX ( schduled payment higher than actual payment ) nothing wrong on my side but wells fargo charged me interest & late fee etc., agent not ready to help me

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 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX / {$680.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On XX/XX/2022 TJ max synchrony bank mislead and pulled my XXXX  and XXXX  report without my consent, both reports have fraud alerts with my cellphone number attached no one from synchrony attempted to reach out to myself for the verification questions prior to the act. Upon calling Synchrony customer service an citing the problem the agents also attempted to gain access to my credit report by asking for my Full social security number, tj maxx synchrony bank was never given my full 9 digit ssn and had their website set up in a deceitful manner leading consumers to believe this was a simple pre-qualification vs a hard pull. Synchrony bank hire and train agents to practice daily deceptive and predatory loan practices steer clear of 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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Id like to file a complaint against TransUnion for violating section 611 Of the FCRA. Ive filed complaints with TransUnion for reporting inaccurate information. TransUnion verified the accounts in questions and said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent both TransUnion and all the data furnishers listed below the required letters and I have not received anything from any of the companies. Ive further sent TransUnion request to remove these items for lack of response & theyve ignored my requests to remove the items which I know are inaccurate. TransUnion is now violating section 611, 609 & 623 and Id like these accounts removed immediately. Ive attached all correspondence for your internal investigation. 
XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$23000.00}

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 2022-02-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX XXXX XXXX card. In XX/XX/2021 I had to have the card replaced and since the my reward points are accruing but I am not able to redeem them. I contact them in XXXX and was told this is a known issue they needed to send it to a management team and my rewards should show up in 1 to 2 billing cycles. Called again when the rewards were still not available for use the end of XXXX/beginning of XXXX Was transferred around between the bank and amazon with everyone telling me it was the others issue. Finally spoke with a manager again was told that the request would be submitted again with apologize of course and told again 1 to 2 billing cycles. Speaking with them again today XXXX and all any one can do is submit the form again. This is my 3rd call and going on 6 months trying to get the rewards that they are saying I earned. My rewards balance as of XXXX is XXXX. No one is willing to call me back to let me know that it is resolved just that I will have to call back in 2 months if it is still not cared for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My XXXX XXXX credit card with a XXXX  limit is not being reported by Equifax. As I have not missed any payments on this account their refusal to report this account is adversely affecting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/2022 XXXX XXXXXXXX XXXX XXXX  mislead and pulled my XXXX  and transunion report without my consent, both reports have fraud alerts with my cellphone number attached no one from XXXX attempted to reach out to myself for the verification questions prior to the act. Upon calling XXXX customer service an citing the problem the agents also attempted to gain access to my credit report by asking for my Full social security number, XXXX XXXX XXXX XXXX was never given my full XXXX digit ssn and had their website set up in a deceitful manner leading consumers to believe this was a simple pre-qualification vs a hard pull. XXXXXXXX XXXX hire and train agents to practice daily deceptive and predatory loan practices steer clear of 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 non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH

Complaint narrative:
I have tried to reach debt collection agency Mercantile Adjustment. I paid an old debt I owed to electric company XXXX on XX/XX/XXXX in the amount of {$680.00}. This amount was debited on XX/XX/XXXX. This amount still shows on my credit report and I have asked numerous times to have this removed. I also never received a letter indicating the debt was owed and this is impacting my ability to apply for housing. I disputed this twice with credit bureau XXXX on ( XX/XX/XXXX and on XX/XX/XXXX ) and received responses each time that debt was verified with the collection agency has valid. This is not accurate. Additional calls to this organization go unanswered and nobody has called me back. I need this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I bought this car with a totally unfair interest rate of XXXX XXXX. I didnt have SSN yet and because of it, not credit score yet.

Ive been paying my car every month for XXXX years on time and every time i pay through Lobel Financial website, I need to pay {$5.00} service fee on top of the monthly payment. 
Because of Covid I lost my job and I was late XXXX payments and talked to them yesterday XX/XX/22 because I couldnt pay through the website. The agent said surprisingly Do you still have the car? I said, yes, of course and then he said I had to pay {$970.00}. I got the money to pay today XX/XX/22 because it was after business hours but at XXXX am, a towing company called me for XXXX times while I was sleeping to come downstairs to get my personal belongings because they are repossessed my car. Its just an unfair and rude people from this company, they treat you like garbage even if you are not in this situation. Thats the first time this happened to me and even before when you called to need anything, they are rude and cynical to you and treat you like garbage. 
Another thing happened, few months ago they increase my monthly payment saying that I didnt have proof of insurance. So I paid, sent the proof of insurance and for another month, they didnt return my monthly payment to the original amount. 
Very disappointed with Lobel Financial and its employees. Whoever read this, NEVER do business with this company, they are disrespectful, dont have any empathy and have predatory business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. Failure to do so is a violation of my rights.

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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian credit reporting is not accurately updating my credit report. I have contacted them and explained to them that both XXXX and XXXX XXXX are reporting all accounts accurately. I brought to their attention that a XXXX XXXX account that was paid off in XXXX of 2021 is not being reported as Paid in Full and closed. Their response to me, was that have still not received that information from the creditor. I contacted the creditor and they verified that, that information was indeed sent to all three credit bureaus at the same time. Why would the other two bureaus have that information updated and not Experian? The same situation goes for a XXXX XXXX Bank credit balance that has not been reported accurately for the past two months since XXXX of 2021 and for a XXXX XXXX Bank credit card that has not reported an account balance or payment history since XXXX of 2021. I contacted all creditors mentioned and they have all confirmed that the information has been uploaded accurately to all three bureaus. I asked Experian to again please explain why the other Two bureaus are reporting accurate information and they are not. The only answer that they could provide me with is that they only report information received from the creditors. Your help in this matter would be greatly appreciated since I have been a member of Experian 's services for over 4 years now and am being charged {$19.00} a month for inaccurate information. 

Best Regards, 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