BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX I called because I was trying to pay a debt. The woman hung up after she recieved my bank information. I made several follow up calls to attempt to get a record of the recieved payment and see when the payment would be reported to the credit bureaus. I was transferred and hung up several times. I was told I'd be given a call back, which I never recieved. On XX/XX/XXXX the representative who collected my bank info called me back not to return my call but because she transposed the number! She would not answer any of my questions and had the audacity to charge me an extra fee. I told her she must of transposed the number and tried to inquire further about how I would get a copy of reciept of payment. She caught an attitude and had to " transfer '' me at which point I was put on hold for 15 mins and someone from compliance answered. I submitted a complaint on the service I was recieved, which was completely ignored. She said she would review the call to see if I what I said was what was written and call me back on XX/XX/XXXX. It is now XX/XX/XXXX and no one has called me nor amI able to get a hold of the person I initially spoke to in " compliance, '' completely unprofessionally and rude company.

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 2022-08-27
Company: Experian Information Solutions Inc.
State: AZ
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: Problem getting your free annual credit report

Complaint:
I had my emails ( XXXX and XXXX ) taken over. I can not verify for ssa, XXXX, irs, or irs. 
I can not get a credit report as every time I try, my email gets hacked into. I DO NOT LIVE IN XXXXXXXX XXXX WITH XXXX XXXX ANYMORE. I never lived at the address listed on XXXX XXXX. I visited there and was not allowed to access the mail. 
When I finally realized all of this was going on, I have been unable to move forward with life due to these discrepencies. I can not open a bank account, someone tried to file my taxe, I am owed thousands of dollars by the IRS. 
Noone can help me and I don know what ele to do. 
I lost XXXX  life insurance license, access to XXXX XXXX XXXX  domain from XXXX is inaccesible. 
I apparentlz had XXXX in XXXX name and various things were done in XXXX 
XXXX  XXXX, the database for the insurance producers has been modified. 
i had a new idenifiicaion here in XXXX but for some reason still register in 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 2022-08-27
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is incorrect information being furnished in the personal information section of my consumer report since XX/XX/20 that Experian has PURPOSLEY furnished for years and have YET to do a VALID investigation and get these errors removed from my consumer report. This inaccurate is ruining my reputation. I need these errors DELETED from my consumer report immediately.

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 2017-06-13
Company: JPMORGAN CHASE & CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Mazda Capital Services sends notices to pay personal property taxes on the car after it was returned at lease end. On  XXXX   XXXX ,   XXXX  , a letter claimed it was billed for PP taxes of {$140.00}. But despite a request that it provide a copy of its being billed, it did not do so. My records show that I paid {$290.00} in PP tax to Mazda Capital Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow up to a complaint about my servicer Seterus refusing to send me my monthly mortgage statements. After I submitted  the 1st c omplaint, instead of responding, they sent me a notice telling me my payment was not received and was not 31 days late ( see attached ) and a modification package.   My payment was paid including the late fee, that was incurred because they refuse to send me my monthly mortgage payment.       This is an example of the company 's incompetence.   SEND ME MY MONTHLY MORTGAGE PAYMENT STATEMENTS - ON TIME!!!!

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 2019-01-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I apply online for HSBC US BANK BONUS offer of {$350.00} the rules and the terms of this offer is to deposit {$10000.00} in new money keep the money on the account for 90 days from the day you deposit the fund than wait 60 days after that to get the {$350.00} bonus deposited directly to my checking account so I did exactly according to the bank rules I open a checking account on XX/XX/18 I funded the account with {$10000.00} on XX/XX/18 I waited 60 days before I touched the money I waited more than 60 days after I met all the requirements I call the bank customers service many times asking them about my bonus they offer to the consumer when they meet all the requirement they informed me the only thing they can do is to put inquiry about the issue to the back office and I have to wait for the respond I waited 5 months and 26 days and nothing happen I got zero. One girl called me from HSBC customer service she told me I was denied the bonus and she couldn't tell me the reason why I was denied the bank just denied me for NO reason or any explanation whatsoever BASICALLY HSBC bank took {$10000.00} from me and they invested it for almost 6 months and they gave me ZERO DOLLARS THEY BROKE THEIR PROMISE AND THEY DID NOT HONOR WHAT THEY ADVERTISE ONLINE OR AT THE BRANCH I THINK THIS IS NOT FAR FOR THE CONSUMERS TO BE TREATED LIKE THAT BUY GIANT BANK TAKING MONEY FROM HARD WORKING MIDDLE-CLASS PEOPLES AND THEY INVESTED IT IN THEIR PROJECT TO MAKE MILLIONS AND THEY GIVE THE CONSUMER ZERO DOLLARS I THINK THIS IS A TYPE OF SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: MS
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 emails and recorded phone calls dating back to 2017 proving retaliation, abuse of authority, refusing to remove fraudulent information from my credit report, failing ( refusing ) to provide updates on status of investigations. The Office of Consumer Affairs, in XXXX, GA, has discriminated against me. The staff is unprofessional. They have intentionally refused to remove fraudulent information from my credit report. 

I am specifically requesting an agent with CFPB contact me to investigate Equifax, and specifically its Office of Consumer Affairs. The XXXX American customer service representatives : XXXX, XXXX, XXXX, XXXX, XXXX, and others have violated my rights since 2017. Theyve continued to allow companies like XXXX XXXX and others to put fraudulent collections on my credit report. These customer service representatives will put fraudulent addresses BACK on my credit report that have been previously disputed and removed. 

The prejudice, discrimination and racism Ive endured since 2017 by the Office of Consumer Affairs has taken a toll on my health. Im under extreme duress by their continued attacks. They use their positions with Equifax to appear that theyre following the law and responsibility of the office, however, they are not. They are bullies. They are quietly and discretely attacking my credit report and credit score. 

Currently there are 3 hard inquiries on my credit report that were not requested by me. I did not authorize these inquiries. There is currently 1 fraudulent collections item from XXXX XXXX  on my credit report. I have been reporting fraudulent collections actions on my credit report for 3 years consistently. I am consistently dealing with the same customer service representatives in the office of Consumer Affairs. For the past 3 months Ive been fighting to remove the fraudulent collection action by XXXX XXXX. Equifax has merely relied upon a statement submitted by XXXX XXXX  that the debt is valid. There was no evidence that submitted proving that the debt is valid. This type of action, by XXXX Office of Consumer Affairs has taken place since 2017. 

The actions of the Office of Consumer Affairs via Equifax are harassing me. Their conduct should be illegal. When I contact Equifax, when my social security number, address, and date of birth are verified by representatives in another country, I am always transferred to the Office of Consumer Affairs. There is something in Equifaxs system that requires me to be sent to the XXXX Office of Consumer Affairs. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
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:
My ENTIRE CREDIT REPORT WAS DELETED after I submitted an Identity Theft Report in XX/XX/2017. 
Positive Accounts have been REMOVED and SUPRESSED FROM RE-REPORTING MY ACCOUNTS TO MY REPORTS! 
i CONTACTED THE cREDIT bUREAU AND WAS TOLD TO CONTACT THE CREDITORS THIS MISTAKE WAS MADE BY XXXX AND THEY ARE REQUIRED TO FIX THIS ISSUE AND REPLACE MY INFORMATION BACK ON MY REPORTS AS IT WAS BEFORE THEY DELETED IT. 
THEY DELETED INFORMATION FROM XXXX  XXXX, XXXX, AND XXXX XXXX XXXX XXXX ACCOUNTS THAT WERE NOT REPORTED AS FRAUD! 
THIS IS ILLEGAL TO TAMPER OR REMOVE WITH MY CREDIT ACCOUNTS THAT I HAVE NOT REPORTED TO BE CAUSED BY IDENTITY THEFT AND I NEVER DISPUTED ANY OF THEM! 
XXXX IS IN VIOLATION OF MY RIGHTS TO FAIR CREDIT REPORTING. XXXX  IS NOT LEGALLY ALLOWED TO REMOVE ACCOUNT INFORMATION THAT HAS BEEN REPORTED TO MY CREDIT REPORTS UNLESS AUTHORIZED TO DO SO WHICH THEY WERE NOT. 
XXXX  IS PREVENTING MY ACCOUNT CREDITORS FROM THEY'RE RIGHTS TO REPORT MY ACCOUNT INFORMATION AND THEY ALSO WILL TAKE ACTION WITH MY TO FILE A COMPLIANT IN COURT TO FORCE THIS ISSUE SINCE THIS HAS BECOME A PROBLEM FOR THEM BEFORE. I HAVE COMMUNICATED WITH XXXX  XXXX AND XXXX XXXX XXXX XXXX, AND 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 2020-12-03
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to remove old addresses, old name variations, and other information from my credit profile but the bureau doesnt remove the data. Per FCRA Section 623 ( a ) ( 1 ) ( C ) A Credit Bureau can not report information the consumer has told them is inaccurate. All old addresses and information needs to be removed from my credit profile due to being inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
i CONTACTED XXXX XXXX XXXX  BECAUSE I HAD A HARD INQUIRY ON MY CREDIT REPORT THAT I DID NOT MAKE. 

I SPOKE WITH A REPRESENTIVE AND SHE GOT MY SOC SEC NUMBNER AND COULDNT FIND ANYTHING IN HER SYSYTEM WITGH MY SOC SEC NUMBER. 

I WAS DIRECTED TO GET IN TOUCH WITH THE 3 CREDIT REPORTING AGENCIES. 

AND SHE MADE A NOTE ON HER COMPUTER AND TRANSFERED TO A WOMAN WHO WAS VERY ABRASIVE AND DID NNOT WANT TO HELP STATING " I DEAL WITH PEOPLE WHO HAVE ACCOUNTS.. '' AND I WAS DISCONNECTED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am looking at my XXXX XXXX to make sure everything accurate XXXX   is reporting on XX/XX/2019 I made a hard inquiry with Brclysbankde. I did not make this Inquiry and I believe it to be fraud. This was not authorized by me in any way and under the fair credit act I would like this fraud inquiry removed from any credit reporting agency 's such as XXXX   If there is any proof or video of me walking into this bank and requesting any credit card or signing something I'd be more than happy to see it. But I am 100 % sure I did not do this. 

I currently already have a barclays credit card and am very happy with that. Just want to fix this inaccurate information. 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 2023-05-30
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have had a business insurance policy since XXXX XXXX  2021, and dealt with one company at XXXX XXXX, XXXX XXXX XXXX. Not one time have they explained to me how to use it, because the annual fee is XXXX dollars, I have been paying XXXX. I haven't used any of the endorsement at all. I need to know why? And where my assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Veros Credit, LLC
State: CA
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:
I am going through a matter with Veros Credit from which I was loaning a car from them. My account has been closed since 2016. I had been receiving letters stating that they would be taking me to court about this matter in which I have also still be receiving harassing phone calls from them as well. I went and made a report onto the XXXX XXXX XXXX complaint website in which Veros responded and I did not agree. I would say maybe a week couldve been a few days or so Veros added negative remarks to my credit which caused my points to significantly drop. I have noticed that this is I fear retaliation because I have made the complaint I have proof that they have not been submitting or adding remarks or anything to my credit for some time so I feel all of a sudden I complain they have been going out and adding negative remarks to my credit. I contacted Veros and which I was basically told as long as they have my social and I have a account with them they are able to report and do whatever as they please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Premier Student Loan Center
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
There was an advertisement on XXXX about student loan forgiveness. I called and they told me since I have over {$10000.00} in debt and work for a XXXX XXXX, they could forgive my loan and consolidate them. I gave them all my information SSN, bank account, and they sent me a contract that I signed. My first payment is scheduled to come out on XX/XX/XXXX 2017. I called onXX/XX/XXXX and signed the contract on XX/XX/XXXXalso. My first 4 payments were for {$220.00} and then {$20.00} a month for 10 years and the rest would be forgiven. I believe it was a scam and they have all my personal information. The company is called Premier Student Loan Center and in the contract if had information about the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: AMERICAN HONDA FINANCE CORP
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:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately 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 2022-08-27
Company: EQUIFAX, INC.
State: AZ
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: Problem getting your free annual credit report

Complaint:
I had my emails ( XXXX and XXXX ) taken over. I can not verify for ssa, fldeo, irs, or irs. 
I can not get a credit report as every time I try, my email gets hacked into. I DO NOT LIVE IN XXXX, FLORIDA WITH XXXX XXXX ANYMORE. I never lived at the address listed on XXXX XXXX. I visited there and was not allowed to access the mail. 
When I finally realized all of this was going on, I have been unable to move forward with life due to these discrepencies. I can not open a bank account, someone tried to file my taxe, I am owed XXXX  of dollars by the IRS. 
Noone can help me and I don know what ele to do. 
I lost mz life insurance license, access to XXXX XXXX, XXXX  domain from XXXX is inaccesible. 
I apparentlz had XXXX in XXXX  name and various things were done in Florida. 
XXXX XXXX, the database for the insurance producers has been modified. 
i had a new idenifiicaion here in ariyona but for some reason still register in FL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This Acct # XXXX shows that I owe them that I owe them {$5700.00} this acct is reporting that this acct was open XX/XX/2020 on ( 2 ) XXXX  and ) XX/XX/2020 this acct is mis reporting inaccurate info. I don't have any account with 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 2022-08-27
Company: Tower Loan of Mississippi, 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:
Well at this moment I fell so violated and treatment is horrfic. 
In accordance with the fair credit Reporting act XXXX XXXX XXXX  has violated my rights. 
15USC1681 section 602 States I have the right to privacy 15USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC16668 A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX - XXXX XXXX XXXX XXXX called me and claimed to be Care Credit. They asked for my account # over an automated line but I refused to give that info. Then a live person answered the call and asked for my social security number after reassuring me they were Synchrony Bank Care Credit. I refused again to give this information to them and they said I had a payment issue with 2 payments on my account. I called the real synchrony bank from a number that I know is safe and they shut down my account number just in case and are sending me a new card in the mail. The scammers from the TX number seemed to be able to see my account but nothing was charged. I will block their phone number.

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 2017-06-12
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
They financial company keep harassment me. They keep sending me texts. The financial company is on all my credit report as a bankruptcy. I was paying them for 23 months on time and they report. On my credit report. Now I have stop paying.Now they want to put it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief