BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: SC
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:
Violations 15 USC1692 Sharing of Personal Information ( 10 ) 15 USC 1666b ( a ) Timing of Late Payments ( 15 ) 15 USC 1681b2 Right To Privacy ( 12 ) My Consumer Credit report is not fair and equitable, I cited the inaccuracies 15 USC 1681 ( a ) and explained how my report is full of errors and they did not exercise their grave responsibility with fairness. 15 USC 1681b ( 2 ) My right to privacy is constantly being violated by XXXX by reporting inaccurate information, not properly investigation and not responding to correspondence that were sent concerning this matter at hand.did not properly Re-investigate accounts listed

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 2023-05-30
Company: EQUIFAX, INC.
State: MA
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:
To Whom It XXXX Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you. 

These discrepancies are honestly impacting my life. I never authorized these, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well violation to my privacy. I am requesting your credit bureau to initiate an investigation to determine the responsible parties. I respectfully request a copy of any documents and an updated copy of my credit report according to 15 U.S.C.Sec.1681i ( a )? there should be no charge. 

XXXXXXXX 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 Thank you for your time and help in this matter. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance Fair Credit Reporting Act XXXX XXXX XXXX account reference number XXXX has violated my rights. 
15 U.S.C 1681section 602. A. states I have the right to privacy.

15 U.S.C 1681 section 604. A. It also states 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 2021-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Investigation took more than 30 days

Complaint:
I have requested for several accounts to be investigated, this investigation took well over 30 days,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by TRANSWORLD SYSTEMS INC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I was not billed by medical service company, and was not sent any prior notices prior to collection being put on there. Also, they failed to mark account as disputed when I sent them my dispute by mail. The collection company harassed me on the phone. 

My accounts information are : Account Information : Account Number 1 : XXXX Date Opened : XX/XX/2017 Balance : {$210.00} Account Information : Account Number 2 : Date Opened : Opened XXXX XXXX, 2017 Balance : {$50.00} Account Information : Account Number 3 : Date Opened : Opened XXXX XXXX, 2017 Balance : {$50.00} Solution : Deletes my accounts from all credit bureaus and waives the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The bank this is in reference to is HSBC BANK. I tried using my card to pay my rent and it said that my card was invalid. I tried three more times same status. I contacted the bank and it said I need to wait until Monday and talk to the fraud department. I called they never gave me a reason why my direct deposit was placed on hold. I went to the bank location same results. No one knew what was going on. It has been two months, if I dont call I hear absolutely nothing from them and still no reason for holding my money and said they was closing the account. I just called again today XXXX XXXX. Still the same results just saying that they will note that I called but I still have no results. Ive became homeless because of this incident all while Im fighting XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The credit card company XXXX XXXX bank reported wrong information to the credit bureau about missies payment Ive sent the credit bureau the documents to support my claim from the company who has agreed to remove their error and the credit bureau still hasnt done so Ive never missed a payment on such 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 non-monetary relief
Consumer complaint received 2020-08-04
Company: MoneyLion Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid {$730.00} to money lion on XX/XX/XXXX, which was to pay off a credit builder loan. I called and requested access to my escrow funds ( amount held until loan is paid off ) they stated it will be 5 business days until I will receive the amount. Its now XX/XX/XXXX I have still not received my funds Ive been lied to by multiple supervisors ( XXXX, XXXX ) telling me when Im going to retrieve my funds. I get pushed around every time I call in they are completely unprofessional and it takes 40 minutes to get a supervisor. I requested a manager above XXXX and she stated they were in a meeting and it could take up to two days for me to get a call back and due to them escalating my account its now another 3-5 business days. Will be getting an attorney.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22
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:
This is my numerous 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 XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance {$37000.00} XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquired on 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 2021-12-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian continues to abuse my credit even though the credit furnisher acknowledged their error after over a year of lying on investigations. The account is closed and paid off. There is a XXXX balance. Here is a letter from the loan companies attorney acknowledging their error. If this issue is not resolved I will take this to federal court. Abusing my credit for over a year has made my family and I lose everything. Experian needs to correct my credit report immediately. This causes extreme XXXX and XXXX on my children and I. I have been fighting to correct this error for over a year now and Experian refuses to have humans resolve my issue instead Im stuck in a software algorithm with no human responses.

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 2023-06-16
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-09-30
Company: Experian Information Solutions 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 reached out to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX via certified mail in regard to an auto loan account that is involved in an ongoing XXXX case. 
In the later part of XXXX or early part of XXXX, I was considered XXXX due to a work injury, which XXXX XXXX was made aware of the XXXX case and deemed XXXX XXXX XXXX responsible for taking over my payments and submitting them to XXXX  on my behalf. Since this agreement went into effect, I now have more than 10 late payments being reported to the credit reporting agencies; dropping my credit scores tremendously ; and leaving my credit profile damaged because of the number of late payments Prior to this, I have always had an outstanding relationship with XXXX and made every attempt to pay my bills on time. Therefore, due to the nature of the issues being that it was a XXXX case and their insurance company, I reached out to XXXX on XX/XX/XXXX by phone to discuss my concerns regarding this matter and was told that " they could not help me and that I would have to reach out to the credit bureaus to dispute it ''. I even went to the extent of paying the final payment bring the account to a zero balance in hope that this would be resolved. 

I do not understand how XXXX was not able to help me resolve this when they are the one who reports the account status to the credit reporting agencies. This matter has caused a great amount of stress from being denied for credit and now my character has been questioned as if I don't pay my bills on time. 

I respectfully ask, due to the nature of the issue stemming from a XXXX case that they DELETE the account from being reported to XXXX XXXX, Experian, XXXX and XXXX or update all the late payments on this account to paid on time and as agreed. If this is not or I will have to seek legal counsel. 

Please see the attached letter of the certified tracking numbers for letters that was sent out

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 2023-09-26
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: Kriya Capital, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My contract with XXXX was up. I was no longer able to view my account online, and after numerous attempts with customer service, I still could not view my account or see what I was being charged. 
I then switched accounts to XXXX and paid out the remaining days of the billing cycle that actually used the XXXX service. The day I switched to XXXX, I again contacted XXXX to cancel and they said when I ported my number over to XXXX, my account cancelled automatically. 
This amount this company is trying to collect on is for time AFTER my contract was over and cancelled. I DO NOT OWE THIS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20
Company: Experian Information Solutions Inc.
State: CA
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 noticed an inquiry by XXXX XXXX XXXX XXXX XXXX on my experian credit report. I contacted XXXX   and asked why an inquiry was made into my credit report. They said they had no record of any application or other request that was made. XXXX sent a letter statting they had requested the inquiry be removed but experian has not updated the information they requested.

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 2019-01-01
Company: Experian Information Solutions Inc.
State: AZ
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 was notified by U.S. mail and email by XXXX XXXX XXXX XXXXXXXX XXXX XXXX that my personal information was compromised due to the data breach that occurred on XX/XX/2018. The following XXXX XXXX XXXX  XXXX XXXX XXXX Visa credit card account ending in : XXXX and XXXX is fraudulent, unauthorized, not mine and the is the result of the data breach from XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I never applied for the accounts.

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 2020-02-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
HBC has started blocking all transfers from the XXXX to our account for three weeks or more while refusing to communicate to anyone about why. 

1 ) These is are 1st to 1st transfer that I send to myself from the XXXX 2 ) Similar transfers have been incoming monthly for the past 8 years without any problems, as this is my salary from my XXXX employer. 
3 ) This account with HSBC is fully operative and has been opened since 1994 Further, the contact numbers HSBC operations department includes in the wire information seem to be inoperative and no one answers. I am a professional in the XXXX  industry, and this indicates that HSBC compliance process is broken. At worst, it may be evidence of illegal racial profiling, given my XXXX   name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to file a formal dispute regarding incorrect addresses on my Equifax credit report. I have previously reached out to Equifax via certified mail on two occasions, but the inaccurate information persists. Additionally, I am a victim of identity theft, and unauthorized use of my credit has occurred. I respectfully request your assistance in addressing this matter promptly. 

The incorrect addresses that need to be removed from my Equifax credit report are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX I want to emphasize that I have never resided or received mail at any of these addresses. Their presence on my credit report not only jeopardizes my financial standing but also underscores the severity of the identity theft issue I am facing.

As per 15 U.S.C. 1681s-2 ( A ) ( 1 ), Equifax is obligated to furnish accurate information to consumer reporting agencies. In my previous correspondence with Equifax, I have provided evidence of the inaccuracies in my credit report and requested their immediate removal.

I have sent two certified letters to Equifax disputing these addresses : Certified Letter : XXXX Sent on XX/XX/2023 Certified Letter : XXXX Sent on XX/XX/2023 I kindly request the Consumer Financial Protection Bureau 's intervention in addressing this matter swiftly and decisively. Equifax 's failure to respond within the legally mandated XXXX window has not only delayed my credit report 's correction but has also caused undue stress. I expect Equifax to conduct a thorough investigation, confirm the inaccuracies, and remove these incorrect addresses from my credit report. 

Despite my diligent efforts, these incorrect addresses remain on my Equifax credit report, casting a shadow over my financial stability and causing unwarranted distress. 

I kindly request the Consumer Financial Protection Bureau 's intervention in addressing this matter swiftly and decisively. I expect Equifax to conduct a thorough investigation, confirm the inaccuracies, and remove these incorrect addresses from my credit report. 

Your prompt attention to this issue is greatly appreciated, as it will significantly contribute to the resolution of my identity theft case and the restoration of my creditworthiness. I look forward to a timely response from your office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief