BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-10
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( EASTERN ACCOUNT SYSTEM ) at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ) has been sending me collection notices in the amount of ( {$98.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: SCA Collections, 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 submitted a request to have a medical debt removed from my credit report. I had previously asked for validation, even though the collection agency states I did not, and had not received anything until 4 days ago. Upon opening the envelope, I was shocked to see a statement of procedures I received from XXXX XXXX. I have no problem paying what they state I owe, which I also dispute but will just eat it and pay, but I feel a Hipaa violation has occurred with a list of my medical procedures being sold to an agency for collection. Furthermore, XXXX XXXX XXXX XXXX is not licensed to collect in XXXX, Florida.

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 2017-11-06
Company: Incomm Holdings Inc.
State: AP
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:
I purchased four XXXX XXXX cards for my kids and they have not been able to use the cards. When trying to reedem the cards, they receive an error. After contacting XXXX, I still not been able to get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Fraudulent activity has incurred with this acct using my name because lady I spoke with ( XXXX XXXX ) & her supervisor ( XXXX XXXX ), with Sequium Asset Solutions, told me this acct had an email address attached to it ( XXXX XXXX of which I've never opened an email acct by this address in my name, nor have I ever had an account with XXXX XXXX ( the original account holder ). I initially disputed this debt collection through XXXX, in which the negative account was finally removed after filing a fradulant claim & attempting to clear up this account through Sequium Asset Solutions on XX/XX/2020, in addition to filing a dispute with XXXX  & a complaint with the XXXX ( followed up with " several '' moderated interactions between me & Sequium Asset Solutions ). My credit score with XXXX  dipped to XXXX because of this, in which it's now XXXX after negative account was removed. However, it has come to my attention that I now have the same negative account, reported by Sequium Asset Solutions, on my XXXX  & XXXX credit reports, of which neither credit reporting agency has removed this account because Sequium Asset Solutions is refusing to have it removed and is still saying this is my bill, which it is not. Thus, since this negative account has already been removed from XXXX, I'm requesting it be removed from XXXX  & XXXX also. Furthermore, I never received a debt collection notice from Sequium Asset Solutions on this bill, nor have I ever received a bill from XXXX XXXX, and only learned of this debt collection when checking my annual credit. Thank-You ... XXXX INFO ATTACHED TO BILL ( info given to me by Sequium Asset Solutions ) : Address : XXXX XXXX XXXX XXXX 
XXXX, KY XXXX XXXX Acct # : XXXX Amt :  {$680.00} Original Company : XXXX XXXX Collections Agency : Sequium Asset Solutions ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Experian Information Solutions Inc.
State: WI
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 disputing an account on my Experian credit report that is inaccurately reporting. The inaccurate account is XXXX and today, XXXX/XXXX/XXXX, I received an alert that a new collection was added to my credit report. I have been disputing this account for about two years so this is not a new collection. I want this error corrected immediately! It seems as if this collection was just added to my report today when it has been reporting for about two years. This has caused my score to drop. Despite this inaccurate information reporting I have continued to build good credit and increase my score. I should not be losing points due to an account reporting inaccurately. Furthermore, I have no business with this company and this account should be deleted altogether. Experian continues to say this account is verified, however they refuse to provide information on how this account was verified as accurate. Experian said in their own words that information was supplied from the creditor and I quote " Experian supplies this information upon request to qualified users of this information. '' I have requested method of verification numerous times to no avail. Experian always gives me some bogus, generic response that does n't make any sense and does n't have anything with what I requested. Per FCRA Section 611 I have a right to request method of verification and if not I do not receive a response within 15 days this information must be removed from my credit report. Well if you count all the times I have requested method of verification this should have been removed from my credit report. I was a victim of identity theft around the same time this account reported hence why there is a fraud alert on all of my reports with all three bureaus. With this data breech and XXXX knows what else is going on, I would think this company would take my disputes more seriously and be cautious of the information reporting in my file. I know mistakes happen but it should not be at my expense. Please remove this inaccurate information from my report and send me an updated copy of my credit report once this has been completed. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX  A - Account # XXXX-XXXXXXXXXXXXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
We were working with a roofing company on one of our rental properties. I paid the deposit ( 50 % ) of the Invoice and the work began. At some point during the email conversations, our emails were hacked and the scammer created a new domain similar to the company 's domain. They began spoofing our emails back and forth and requested final payment be made to their office admin through XXXX, as to not incur any fees. I made the payment as instructed, only to find out a week later that there was no one in their office with this name. I contacted Bank of America and started a fraud claim. BOA denied my claim because the payment was processed and send to the " intended recipient '' and they could not recover the money. Their letter stated to " contact the person you sent the funds to directly. '' Not possible since that was a scam account and they have since moved on. I have been a loyal BOA customer for 21 years and they are FDIC insured. I would like my money refunded in good faith as a loyal customer. 

In doing my research, it states : What Do You Do If You've Been XXXX Scammed? 
If you've been scammed with XXXX, you should contact your bank and report the loss of funds as soon as possible. 
Some banks reportedly have refused to offer refunds because the federal law protecting consumers from the theft of their funds applies only to " unauthorized '' transactions. 
In XX/XX/2021, the Consumer Financial Protection Bureau issued guidance to clarify that fraudulent P2P transactions are considered unauthorized because they were initiated by someone other than the consumer and the consumer received no benefit. 
The CFPB also stated that banks can not consider consumer negligence as a factor or claim that consumers waived their protections in their bank account agreement. 
If you've been scammed with XXXX and your bank refuses to return your funds, you can file a complaint with the CFPB, which forwards consumers ' complaints to financial institutions to respond.

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 2020-09-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been a resident of XXXX County, NY for 35 years and am now in the process of selling my home in XXXX. The home is in contract for another XXXX County resident to purchase. We have been unable to get a clear title to sell the home, even though the mortgage with HSBC bank has been paid in full for seven years. The bank incorrectly recorded the satisfaction of mortgage seven years ago, and now that we are trying to get a clear title we are unable to do so. 

My lawyer, XXXX XXXX, has been attempting to resolve this issue, even providing all of the incorrect information as well as the correct information to the bank. The bank, HSBC, does not have a customer service contact that is willing or able to assist us. When I have attempted to contact them, and when my lawyer and my real estate agent have attempted to contact someone who can help us, they only provide an email address. When we email the contact email address we receive an auto response that says, " HSBC XXXX has reviewed this request and determine this is not a XXXX XXXX   XXXX loan. Your request has been referred to the appropriate HSBC Bank contact for review. XXXX '' We have been contacting the provided email addresses since XX/XX/2020, and have not yet received any response. The person who wants to buy our house must be out of her current living arrangements by XX/XX/2020. 

The bank has been completely unresponsive. We are in danger of not being able to sell our home and the buyer is in danger of not have a place to live as of XX/XX/XXXX. We do not know how to get the needed resolution. Can your office please help me? 

I can be reached at XXXX. I would greatly appreciate any assistance that you can provide. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: FIRST NATIONAL BANK OF OMAHA
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Name FNB Omaha Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$430.00} I do not owe FNB Omaha- ( account # XXXX ) {$430.00}. I never heard of FNB Omaha. I never did a contract with them. 

Futhermore, I am in the state of NC and they can not legally collect in my state for a date that I did not owe for this company. NC is three years of statuatory limitation. Their also reporting inaccurate My understanding is that the Metro 2 Format is the industry standard for reporting, complete, and timely information and that The data should be reported to the specified definitions in order to process credit information correctly. I am also in the state of North Carolina which the statue of limitations is 3 years. I do not owe FNB Omaha- ( account # XXXX ) {$430.00}

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 explanation
Consumer complaint received 2021-04-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am trying to refinance my home since the rates are so low, however, my credit score has disappeared from Experian and XXXX. According to XXXX, it is at XXXX but the other two have shown it as frozen or non-existent. I paid XXXX  have the scores revealed there, but they are at XXXX. The only thing we can think of is that when we let the bank know that my mom passed away on XX/XX/2020, something must have also happened to my credit score by XXXX, as that was when I was unable to get my FICO score in my mortgage app. She helped me create a bank account and establish a credit score when I was 18 under her own account. I've tried everything from creating accounts on the credit bureau websites, unfreezing my score, calling customer service, visiting my bank, etc. but nothing has helped me to find what happened to my score. I am still paying my mortgage, I've always paid my credit cards in full and have no delinquent payments. PLEASE help me find out what happened to my score and how I can get it back. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 have submitted MULTIPLE disputes and information IS STILL INACCURATE. they are reporting higher balances than they are and reporting inaccurate after it's resolved. XXXX XXXX sent check for {$670.00} is not balance of XXXX and was paid off by bank 3 wks ago. XXXX  XXXX was paid off even though it is still in dispute for XXXX I HAVE NEVER HAD A BALANCE EVER FOR XXXX  XXXX FOR XXXX!! MY CREDIT ALLOTTED BALANCE IS XXXX AND XXXX ON 2 CARD. I HAVE NEVER BEEN AT A BALANCE OF XXXX EVER IN 4 YEARS BEING WITH 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 2017-11-06
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Dear Sir/Madam, Good evening. This is XXXX XXXX. I 've met the spending requirement of my XXXX XXXX card for months and yet there is no sign-up bonus 35k in my account. I 'm booking my trip to Hawaii for XXXX so I really need these points. Could you please urge XXXX issue the points as the contract said? 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06
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: Credit inquiries on your report that you don't recognize

Complaint:
List of dates : XXXX and XXXX/XXXX/XXXX. There were credit inquires on my credits reports that i do not recognize.

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 2021-04-17
Company: Experian Information Solutions Inc.
State: PA
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:
Around the beginning of XX/XX/XXXX I filed a dispute with XXXX, I believe it was XXXX $ to XXXX XXXX  XXXX. Long story short, we went to court on XX/XX/XXXX. The judge found in their favor and on XX/XX/XXXX I appealed the decision. Next, on XX/XX/XXXX, I filed a notice of intent to file default judgement. Finally, on XX/XX/XXXX, the office of the prothonotary filed the praecipe to enter default judgement. After all of this, XXXX  has already removed this info from my report, but XXXX  and Experian have not. After filing a dispute on both sites, they simply updated the info to show I owed more money than before.

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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, has violated my rights. 

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

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 2022-03-09
Company: Affirm Holdings, Inc
State: PA
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:
These accounts were created from unauthorized use of my social security and i did not consent to, authorize nor benefit from any of the following I plus these are negative item created under my social security number block and remove them.Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$460.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$420.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$300.00} Account Name : AFFIRM INC Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : -

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Experian Information Solutions Inc.
State: MN
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 have sent letters in XXXX & XXXX about Experian reinvestigating each hard inquiry on my credit report. I have not received any response to this matter in the mail. I have had identity theft in the past and Experian has the police report and identity theft report on file. My SSN number, multiple credit cards and more were taken at that time. I had 3 burglaries between 3 years XX/XX/XXXX-XX/XX/XXXX. Multiple hard inquiries on my report I did not make and have no permissible purpose to have them reporting.

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 2021-04-17
Company: WorldRemit Corp.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have transferred the to XXXX which was around {$30.00} dollar to my friend through world remit. But due to some reason the transaction was not completed and i had cancelled that transaction on XX/XX/XXXX. They told me that I will get my refund back with in 7 working days due to their policy. Its now more than one month and when i asked from them for the refund they told me every time that they have processed the refund and i will get my refund with in 2 days. This never happens. Everytime they make excuses when i asked them to give me and refund details like transaction code they also never gave me that. 
Now they are harassing me by making excuses everytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Experian Information Solutions Inc.
State: FL
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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