BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Around XX/XX/2021 we noticed a balance transfer from our credit card and reported it right away to the credit card company HSBC. They said they would take care of the matter i had to ask them for a replacement card they wouldn't of replaced it if i asked them which you would think they would if i just reported a fraudulent transaction. So we asked them to investigate and there investigation was a copy of the check which was cashed on XX/XX/2021 9 days after we reported the transaction plenty of time to stop payment.the transaction was for {$1500.00} plus balance transfer fees and monthly interest we are 7 months into this now the police investigated and found it to be fraudulent notified HSBC every time we call HSBC they tell us they check and call us back. Because of this my credit rating dropped XXXX card closed our account and XXXX others lowered our credit limits causing my score to drop due to debt to ratio we lost {$10000.00} worth of credit from the other cards. Can you please help apparently they don't care when even the XXXX, pa police dept. found it to be fraudulant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: DISCOVER BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I contacted Discover Bank by phone on XX/XX/2020 and requested that my two bank accounts with Discover Bank be closed because I cant add my debit cards to XXXX XXXX and every time I pay my Discover credit card bill using my Discover bank accounts my available credit do not increase by the amount of my payments until I call Discover and request that it does. But the Discover Banking Specialist claimed she didnt know how to close my accounts and placed me on hold and then disconnected the call. No one from Discover Bank called me back and every time I call the bank back my calls are placed in a call queue until I realize my calls are not going to be answered and hang up. Discover Bank needs to be put under investigation by the CFPB or the FBI for their business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
Company: TRANSWORLD SYSTEMS INC
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Requested they not call after the first and second call. They have continued to call every morning minutes past 8 am and also some nights. Since Im on a second shift time table this repeated interruption has cause loss of sleep.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I am XXXX XXXX XXXX and have owned my home for almost 28 years. I have suffered great stress from PHH Mortgage 's improper servicing of my reverse mortgage and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filing of their foreclosure lawsuit against me. PHH placed very expensive, forced-placed insurance on my property. PHH offered me a repayment plan for my property charges on XX/XX/2022. I accepted and timely executed the repayment plan on or before XX/XX/2022. I timely made regular monthly payments under my repayment agreement through XX/XX/2022. Despite my acceptance and performance, XXXX and PHH went ahead and filed a foreclosure action on XX/XX/2022 and continue to maintain the lawsuit while accepting my payments. PHH rejected my payments starting in XX/XX/2022. I applied for an At Risk Extension and PHH received the application with my budget and doctor 's letter on XX/XX/2022. PHH has yet to process my At Risk Extension request and continues to maintain the foreclosure lawsuit. I sent PHH three Notices of Error and Requests for Information on XX/XX/2022, XX/XX/2022 and XX/XX/2022. I did not receive a response until XX/XX/2022. It is a partial response. Amidst all of this, PHH has also refused multiple times to accept Releases that I properly executed authorizing my attorney of record to communicate with PHH on my behalf. PHH continuously created unnecessary delays. In XX/XX/2022, I asked for a Reinstatement Letter to cure the amounts in default. I timely sent full payment of the amounts in the reinstatement/cure notice via third party payment as instructed by XXXXXXXX XXXXs counsel. The instructions for payment by XXXX listed an incorrect account number. PHH has held onto the default cure check for almost a month and is refusing to deposit the funds to my loan. Not only has PHH broken our contract for repayment, but PHH has refused to process every single attempt that I have made to resolve the loan default and cease litigation of the foreclosure action. To date, the lawsuit is still moving towards foreclosure of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
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:
This is my 5th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Balance XXXX {$4600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, 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:
By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
we've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5700.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5800.00}

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 2022-04-04
Company: Experian Information Solutions Inc.
State: CA
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 XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 im XXXX now.

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 2021-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I received a call and voicemail from an unknown number. The message left regarded a civil suit and charges pressed against me along with a case reference number. I returned the call with the case reference number and was told that a judgement was about to be placed on my credit for 10 years and wages garnished from my employer. The collector knew the name of my employer. The debt had been from Capital One in XXXX. The representative XXXX XXXX told me that the account had closed in XXXX with a balance of XXXX but with legal fees they were attempting to collect over XXXX through wage garnishment or I could make a plea to settle. After being placed on hold several times i was told that I could settle out the original debt without wage garnishment or a judgement against my credit. Suspicious of fraudulent activity I asked for credentials. The representative sent me to a website XXXX had me click on the business tab and type in XXXXXXXX XXXX XXXX. The address was in XXXX California which the representative was able to verify. When I asked why I hadnt received anything in the mail he said there was an attempt to serve me at my address from 10+ years ago that had failed. I asked for further documentation to include the paperwork for serving and an itemized report and the man told me that those items are inaccessible because they are in a discovery file and I would only be able to see those if I go to court. I then asked why this is the fist time I am hearing about this at my phone number and nothing has been sent to my current address. The representatives response was that they had to be granted access to my updated personal information from a magistrate. I attempted to settle the debt by agreement via emailed docu sign and providing the representative my credit card information. My credit card was denied twice for suspicious activity. So, I provided another credit card number and it was also denied for fraudulent activity. The representative told me Id have to call the back of my card and approve the transaction and call him back to settle things out. I did so. I received a receipt and what appears like an official legal document that includes my old capital one account number and the amount Id settled for. However, the docu-sign drafts were addressed to a XXXX XXXX and the charge on my credit card was not to XXXXXXXX XXXX XXXX  instead bookkeeping accounting. Im very concerned about the information I provided this person, the amount of information the person had about me, the fact that my credit cards flagged the charges for fraud, and the attempted debt collection through wage garnishment without documentation provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: OH
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 am writing to dispute the following information that appears on my Experian report from XXXX  : Collection account from 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 2021-08-11
Company: EQUIFAX, INC.
State: DE
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 sent letters to Equifax Credit Bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts that are still reporting on my Credit Report : XXXX XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX DEPT OF ED/XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX, XXXX-Original amount {$2700.00} DEPT OF ED/XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX, 2015-Original amount {$3000.00} DEPT OF ED/XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX, 2015-Original amount {$2200.00} XXXX  XXXX XXXX C-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX XXXX C-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX LLC-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX  XXXX-Balance : $ 117-Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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:
FCRA violations : not my name XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$22.00} XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Account charged off. {$19000.00} written off. {$19000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$1500.00} XXXX Account charged off. $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: NY
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:
To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's le be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will ght back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be conrmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more condent in what's being said. You're required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like METRO 2. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and veried information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Cfsi Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX FL XXXX  Cfsi Opened XX/XX/XXXX + {$62.00} Original creditor : XXXX XXXX XXXX  Original creditor : XXXX  XXXX XXXX  IN Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these

disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A
) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Cfsi Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Cfsi Opened XX/XX/XXXX + {$62.00} Original creditor : XXXX XXXX XXXX As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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: Old information reappears or never goes away

Complaint:
Ive requested the three bureaus spell and hyphenate my name correctly and remove all variables that are said to be incorrect and they refusedmy name is XXXX XXXX XXXX and NOT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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

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