BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: EGL US, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I had a loan with this company and was paid off through allotment. Tried to get a second loan and was told there was hard coding on my file that someone would have to look at in order for me to reapply. No one ever would reach back out. Was told that manager that was reviewing no longer works there. And noone knows when I can get my new lona.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$26000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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 2023-01-17
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:
CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX XXXX TRANSUNION, I, XXXX XXXX, have written this letter claim that these accounts are falsely listed on my credit report with your bureau. The accounts are fraudulent I did not open these following items/Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Amount : {$12000.00} Account Number XXXX Reported Balance {$12000.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX : {$490.00} Account Number XXXX Reported Balance {$490.00} Party Owed : I have contacted local authoritys and banks and now request this be 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 non-monetary relief
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing theis because Equifax has been reporting inquiries to my consumer report that I do not recognize. These is a severe violation of my consumer rights as protected under 15 USC code 1681B in which Equifax is not allowed to report these inquiries without my knowledge or consent and have repeated demanded that they be removed with no results from agents on the phone. I intend to pursue legal action against Equifax if they continue this illegal reporting of these unauthorized inquires to my consumer report. I have also filed reports with the FTC, CFPB and the XXXX. The following inquiries need to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX  submitted false information to the credit reporting agencys this violates my consumer right. I don't think investigation was done thoroughly and accurately. Even after disputing accounts ( I have yet to receive any letters directly from said company providing proof account is mine ). How can credit reporting agencys verify as accurate please provide all letters sent from credit card company as proof that they mailed any documents to me after credit bueru did investigation up year 2022. I suggest credit card company don't provide false letters either all my XXXX account is set up that I can view all my receivable mail..

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 2022-12-01
Company: FISERV INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company continues to pursue a debt that was a result of fraud on my banking account, they are harassing me continually. I sent them a written validation letter via mail demanding proof of the debt claims. I stated in my letter to show they are the original owners of the debt, the only proof TRS is bringing forward is activity on my account that wasn't me and that was a fraud. This issue has already been resolved with my bank, and XXXX XXXX legal action could be taken in this matter.

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 2023-09-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The attached documents show XXXX failed to live up to the terms of the XXXX for my Private Student Loans they acquired from XXXX. 
1. XXXX XXXX XX/XX/XXXX response to CFPB ( page 13 of doc ) explains the loans were in deferment XX/XX/XXXX- XX/XX/XXXX and as such " they did not provide statements. '' Page 10 of the attached doc ( p. XXXX of XXXX ) clearly states repayment conditions. Among these are : 1 ) I may, but am NOT required to make payments during deferment/forbearance periods, 2 ) XXXX  was to have supplied statements during the deferment period to keep me abreast of interest accrual and outstanding balances ; 2. XXXX XXXX XX/XX/XXXX states XXXX and XXXX subgroups were in a disaster forbearance that was retroactively applied from XX/XX/XXXX thru XX/XX/XXXX. Therefore no derogatory history should report period ; 3. XXXX erroneously charged off an account that had been in forbearance and/or deferment BEFORE the due date for the statement generated XXXX XX/XX/XXXX ( see p. XXXX - XXXX ) Thus, XXXX improperly billed and reported inaccurate payment history to the CRAs and violated terms of the MPN because XXXX failed to deliver statements during the deferment and/or forbearance period ( s ). These types of violations are consistent with the haphazard processes that led the CFPB to issue consent order XXXX. 

The situation that transpired is one in which XXXX 's failure to properly process deferments and forbearances, and subsequent failures in adjusting statement generation, and billing schedules led to the following harm : 1. Invalid derogatory CO status for XXXX, because invalid processing of forbearance and subsequent deferment resulted in billing and accounting irregularities from XXXX XX/XX/XXXX thru present from, progressing from initial thirty ( 30 ), to ninety ( 90 ), to one-hundred twenty ( 100 ) etc., until the account was charged off without me ever receiving a single bill for periods of deferment, and without receiving revised bills when the disaster forbearance was retroactively applied on or around XXXX XX/XX/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 2023-01-10
Company: American First Finance, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
American First Finance continued to charge me for items that I did not receive. When I asked them to update the contract, I was told that they weren't able to do so, but that my balance should reflect the correct amount. Months passed and they continued to withdraw money out of my bank account without the balance changing. When I called to speak with customer service, I was advised that they could not speak with me unless I provided my full social security number since they couldn't validate my address. In addition to this being against my consumer rights, they advised that my address had been changed by someone inside of the store when I had not stepped foot a store. When I continued to ask them who changed it and what store they changed it at, I was told that they couldn't tell me because I couldn't validate the account and would not speak with me about the account unless I provided my full XXXX social security number. The only purchase from them was XXXX queen sized mattress sets. The contract that they continued to honor shows a dining room set that was never delivered and should have been taken off of my contract. They never did. I was severely overcharged for the items purchased from them. I haven't been successful in speaking with them due to my refusal to provide a XXXX social security number ( again, a violation of my rights ). They have now begun reporting false information on my credit profile. This has to stop!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a XXXX XXXX HSBC account online on XX/XX/2018 and placed $ XXXX in it. Recently, I received a strange email from HSBC saying I needed to contact them, it was at that time I noticed my account was locked and I have no access whatsoever to the account. Several days of calling, emailing, live chatting and I've gotten nowhere. If someone is reached they say they can't help me and I go back into a phone queue waiting for someone from the fraud department. I've now put in 5 hours on the phone ( more than 95 % of that time was / is on hold ) and I have no indication of getting closer to resolving the issue. 

My guess is that HSBC is going to use whatever trick they can to not honor their {$200.00} new account bonus promotion that was due to pay out on or around XX/XX/2018, so they went with this fraud excuse less than 10 days before the promotion payout. I guess HSBC is going to make me earn this promotion by sheer waste of my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2023-02-10
Company: EQUIFAX, INC.
State: NJ
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:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: First Credit Services Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company named First Credit Services has called me daily and repeatedly during my work hours, often twice or three times a day from different numbers. I believe this is related to a resolved issue related to a gym membership at XXXX XXXX in XXXX, KS. I paid the outstanding charges to the company and have not heard from them since. 

I have attempted to contact First Credit Services using the number given in the voicemails, XXXX. I have also attempted to contact the company using the number on their website XXXX XXXX. Neither call was able to be completed. 

I have records of repeated calls for 5 days in a row occurring from XXXXXXXX XXXX  to XXXX. If I can't reach this company through their provided numbers then I have no idea how to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Lj Ross has attempted to collect a debt for a company in XXXX XXXX mi XXXX XXXX that is not my account. I contacted LJ Ross and asked them to investigate this debt through XXXX XXXX because I have NEVER lived in XXXX XXXX michigan. However LJ Ross proceeded to try and collect on this account and has now added it to my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 explanation
Consumer complaint received 2023-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
On XX/XX/2022 I sent an electronic payment of {$110.00} through my online bank payment system to XXXX XXXX  for my BJ 's account balance as I always clear my card balances each month. Mid-XXXX  I received notice that my payment was not received. I stopped payment through my XXXX XXXX account and sent out another electronic check on XX/XX/2022 which XXXX, now Capital One says they haven't received. Besides calling and speaking to numerous supervisors, I have promptly faxed the company every type of information they have requested from me! I have gone to XXXX XXXX and gotten print-outs of the electronic transfers which was requested and faxed them to Capital One. I have a case number and names of the supervisors. Capital One is adding late fees and interest onto the account which has brought the balance up past {$200.00}. I just closed the account last week until it is cleared up. I do not know how to upload the documents below. 
Please help me clear up this problem. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
According to the FCRA, agencies must correct or delete inaccurate, incomplete, or ( unauthorized/unverifiable hard inquiry ). Inquiry Date XX/XX/2022 for JPMCB - Card Service. I have attempted to dispute this inquiry with all three credit bureaus and JPMCB. JPMCB agreed to investigate and remove the inquiries due to identify theft, however the inquiry remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: Mortgage Research Center, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I went and paid my mortgage from Veterans United online as normally online. I failed to see that the payment method was one I deleted 2 years ago when I switched payment accounts. I get hit with a NSF fee from my bank account as I wasn't expecting to pay the mortgage from that account. I call the company and it turns out there was a software update that deleted the current payment accounts. I got what turned out to be erroneous information that I should resubmit my payment as to not miss my mortgage payment. I go ahead and do that entering the right account information this time. 
A few days after the missed payment I get paid. There was an automatic reattempt at payment from the account I had the NSF fee from, and the second time it goes through. So for those keeping track I have now paid my mortgage from the wrong account and have scheduled another payment from the right account on the advise of the customer service representative. I had to move some money around to cover the shortage now in the wrong account so if the second payment I was told to make goes through ( it hasn't yet ) I'm at risk of a second NSF fee.

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 2022-11-04
Company: TransferWise Ltd
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have used TransferWise, or now Wise to transfer money from the XXXX to XXXX, with most transfers to my XXXX bank account from my XXXXXXXX XXXX account, personal accounts A few months ago, after XXXX years of these transfers, I found that they had lost the original ID documentation and wanted to to through the process again. It required passport, drivers license, photographs and other methods. As their own regulations state that my account, bank to bank, does not require ID since both banks have in-person ID verification I contacted them, stating their own regulations. 

XXXX XXXX XXXXXXXX They refuse to budge. As I'm in the computer security business I have serious concerns about their alleged security, so do not want to do it. I already had a phisher try to get into my PC as they had apparently intercepted communications and knew all about the problem. Naturally Wise claims that they are perfect. 

I have even offered a local notary documenting my ID or a conference call with my bank manager with me in person in the bank, but they refuse to accomdate. 

My experience with the software that they use is that it doesn't actually work propertly so I don't want to spend weeks going back and forth, since I've used them for years without incident. 

Can you intercede please?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
submitted a letter to the XXXX Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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