BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account with HSBC has been " recommended for closure '' and have yet to receive any notification as to why or the funds that are in the account. The initial closure process started on XX/XX/2022 and as of XX/XX/2022 I still have not received a response. Whenever I call HSBC I get the same response that my issue will be " escalated '', but then nothing happens. I just want my money back, this whole ordeal has been very stressful to the point of it causing undue hardship and has impacted my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting 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:
We purchased a new Car in XX/XX/2022- which I did authorize XXXX XXXX to run my credit but after reviewing it there are a lot of inquiries showing which have nothing to do with my loan from XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  this showed up twice with XXXX different dates XX/XX/2022 and XX/XX/2022 which i authorized neither one 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 2023-01-27
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX Our records indicate that the {$3800.00} was denied, since it shows that the transactions were made through a secured online banking session by the customer or someone, they gave authorization to. 


This claim was denied because the company said that I gave authorization to someone to make this payment. However, this is false. I filed a police report on it when this happened and even paid to do a lie detector test showing that I didn't give authorization for it. 

When I called the bank, I was told that all the XXXX accounts that the money was sent to has been XXXX, and I was not tied to any of the emails registered under their XXXX. My personal information was leak leading to someone sending the money from my bank. However, this does not mean that I ever gave anyone permission to do so. Please look into the recipients and do an investigation on their accounts to prove my innocence.

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 2023-11-10
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
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:
In order not to repeat what I just filed with you last month I am reporting that XXXX states it is finished with the update. The update is not correcting the problems listed under Case # XXXX and XXXX which describes in detail the problems that need to be corrected. XXXX are reporting that XXXX was a negative item. This is completely untrue. The car ( XXXX XXXX ) was paid off early and no balance id due. Why is that negative??? In addition, they report XXXX XXXX as negative and the three months I was late was already explained and XXXX XXXX provided a letter of satisfaction that nothing is due. The three months in question was due to my XXXX and staying with my daughter- my mail did not get forwarded and I was recovering from XXXX XXXX. This is not a problem for XXXX XXXX XXXX is making it a problem for themselves!!! These must be cleared from my credit report- XXXX have malicious intent and are targeting me- it is a form of discrimination and if these are not removed which is the appropriate action then they will be sued for the damages they have caused and are still causing over a long time period.

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 2023-05-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX/XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-21
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the FAIR CREDIT REPORTING ACT The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX has XXXX my rights XXXX XXXX XXXX  Account XXXX XXXX has violated my rights XXXX XXXX  XXXX Account XXXX XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights XXXXXXXX XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C section 602 A. States i have a right to privacy 15 U.S.C Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states " no consumer reporting agency may make any consumer report containing any other adverse item of information other than records of convictions of crimes which antedates the report more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are several things on my credit report that I am noticing arent mine. Major indicators are the following : In XXXX, identify theft occurred at a local level. In XXXX, a women started using my social security as her employer to get unemployment and other compensations. XXXX it was reported that I was connected to receiving social security benefits. I am not. Several times on identity questions and credit concerns a mortgage shows up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: IN
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 obtained a copy of my credit I asked the creditor to validate this ledge of debt. It has been past XXXX  days since they received a certified letter. My rights have been violated and I have not given them consent or filled out a HIPPA form, giving this company my medical information. 
In accordance with the Fair Credit Reporting Act, the following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXXE XXXX 15 U.S.C 1681 SECTION 602 A States I have rights to privacy. 
15 U.S.C. 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
After purchasing a vanilla gift card on XXXX XXXX XXXX XXXX XXXX XXXX  for {$200.00} at XXXX upon open the sealed package I discovered that the numbers on the card were deliberately scratched off making the card useless. I went back to XXXX and showed the XXXX the defective card I just bought, he tried to run the card through a card machine and that didn't work either. He then tells me there is nothing else he can do and can't refund me or replace the card. They sold me a defective card and now they don't want to give my money back. I called the number on the back but they asked me for my birth date and a copy of my XXXX amongst other info, I was not comfortable with that, so here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: TX
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:
This Company is violating 15 U.S. Code 1681b by continuously reporting my information to a third party without my consent. Per the FCRA, as a federally protected consumer. I am now opting out of any ; and all authorization, I the consumer may have given you written, unwritten, verbal, and or non-verbal per 15 USC 1602.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: MD
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and Equifax have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the inquiry to be removed XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Specialized Loan Servicing Holdings LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was previously being serviced by XXXX  XXXX XXXX # XXXX. I began receiving communication that i was two months behind on my mortgage payments and, immediately, attempted to contact the servicing department to get clarification on the dates that were missed as I have ALL of my cancelled checks. I had asked, on numerous occasions, for them to provide the dates that they show were missed so that I could provide the correct documentation. On each occasion I was told that they could NOT provide a detailed payment history but they continued to send letters and report their information to the credit reporting agencies. On XX/XX/XXXX I received a letter that my servicer was being changed to Specialized Loan Servicing LLC. ( stating that any payments sent after XX/XX/XXXX should be sent to them - albeit sent 11 days AFTER payments should be sent to them ) On XX/XX/XXXX I started receiving letters, again, that I was " seriously '' delinquent on the mortgage. They were contacted, immediately, to request a payment history ( again ) so that I could provide the correct documentation. After I was told that they could not provide a payment history ( even though they would have received all of the documentation from my previous mortgage with XXXX XXXX XXXX ) they provided a payment history from XX/XX/XXXX to XX/XX/XXXX, with corresponding late charges. On XX/XX/XXXX I received a letter that they were going to begin foreclosure proceedings. THIS is in violation of the, most recently updated, RESPA servicing rules in that my mortgage would have to be 120 days delinquent in order to begin foreclosure proceedings. Not including the fact that the company must also provide loss mitigation options which I have never received AND do not need as I just need to know where they believe I became delinquent! In addition, ALL corresponding late charges and any, negative, reporting to the credit bureaus should be removed. This is a perfect example of why the RESPA rules were amended to assist consumers with servicing companies that continue to take advantage of them. Please feel free to contact me for further information.

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 2022-11-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. 

15 U.S.C 1681 Section 602 states that I have a right to privacy 15 U.S.C 1681 Section 604 states that a consumer reporting agency can not furnish any information without my written instructions 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 PA CHILD SUPPORT ENFORCE Account # XXXX DEPT OF THE TREASURY Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: GA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX WAY XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$660.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The most recent call from Midland credit called me and we spoke about settling the debt for a lower amount. The person I was speaking with wanted me to do it right then, wanting me to give my bank account number, my credit card number or my debit card right then. I told him no, I would send him a cashiers check and he did not want to agree to that .He wanted the payment right then. My boyfriend was sitting next to me listening to this conversation I was having with the debt collector. He saw me getting upset. The man kept saying hold on, hold on, hold on, every time I said no Im just going to hang up now he would say hold on hold on hold on. I felt I was being harassed, bullied and I was getting physically stressed out. To me and my boyfriend it sounded like The collector would agree to my offer if I paid it right then but if I wouldnt, he wouldnt agree to the offer. I have read my rights, and it says to get it in writing before I send in any money. I did make a couple of payments in the past to XXXX XXXX before it was bought by Midland credit. On another attempt, I called Midland credit and it sounded like the same man I spoke to earlier, I asked him if he would take another offer and he said he would if I made the payment right then, again I said I would send a cashiers check. He said hold on and he would check with his supervisor he would be back in 30 seconds, I was on the phone waiting for him to come back for over eight minutes finally I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I arrived home today, XX/XX/2022, to a Bank of America letter which had new account information and a new debit card that I had to activate. I have never stepped foot in a Bank of America, and as a result, never opened an account with them. I called Bank of America, and after XXXX and XXXX hours of being on hold repeatedly, being hung up on, and being on hold again, I finally spoke with a person who closed the account and alerted their fraud department. She then gave me the information to alert the credit bureaus, the XXXX XXXX, and identitytheft.gov. Also, the account was only opened in my First and Maiden Name. I have not used only those two names in years. I always use my hyphenated last name, which is my maiden and married name. 
( I wrote notes all over the bank information that is scanned. )

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 2023-12-15
Company: Experian Information Solutions Inc.
State: TX
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:
Experian allowed a collection agency to put a flag on my report without any validation that the debt belongs to me which it doesnt and dropped my credit score XXXX points. The collection activity is for a person that had an account in Illinois in XXXX and I live in Texas since XXXX. There are mo Illinois addresses on my credit report and they should have verified to debt before causing me financial harm.

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