BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-04
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: Public record information inaccurate

Complaint:
I reached out to the credit bureau and they said it came from XXXX XXXX and then XXXX XXXX said that they don't have any record of the bko in their system

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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 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 non-monetary relief
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the Company Names and Account numbers listed below has violated my rights. 

account number XXXX XXXX XXXX XXXX {$820.00} XXXX XXXXXXXX {$2100.00} XXXX XXXX XXXXXXXX {$930.00} XXXXXXXX XXXX XXXXXXXX {$840.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions Also, listed below are two accounts ( * ) that were ( inaccurately ) listed twice on my credit report.

[ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had received an alert from XXXX XXXX and Equifax notifying me regarding a collections account sent in from 2 different light companies. One of the compnaies is XXXX XXXX XXXX which account was created on XX/XX/22 and got reported to credit bureau on XX/XX/22 with the amount of {$360.00} and then on same day another light company called XXXX XXXX which account was made on XXXX and sent to collections on XXXX for the amount of {$1000.00}. I did not live nor have I moved from the location I have been residing the past 6 years. and plus I have already report a same issue awhile back with another light company and it was 2 different light companies as well. Please see what can be done with this matter since new accounts are being created with my personal information and only to open up light companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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 am writing to delete the following information in my file, the item I need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove this item from my file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. Remove these items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file, the item I need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove this item from my file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. Remove these items 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 non-monetary relief
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 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 2020-04-13
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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:
I recently noticed that I am a victim of identity theft. I have already filed a report with the FTC which includes the accounts and dates opened. Please help me rectify this situation as soon as possible.

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 2016-06-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX is reporting that I have an outstanding balance owed to HSBC Lending for {$11000.00}. I have contacted XXXX to contest the debt ; requesting a copy of the original finance contract ( displaying my signature ), a detailed explanation of charges that constitute the {$11000.00} debt they say I owe, and the account history of this account showing any records of payments that HSBC received. So far, XXXX has not supplied me with any of the requested documentation. It is my right under the Fair Debt Collection Practices Act to request this information, and unlawful for XXXX not to supply it, upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: GVA Holdings, LLC
State: MI
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
XXXX payday loans were taken out in my name by someone and they were all done over the phone, and each payday loan said they verified my information, work, bank, etc. What they verified was wrong. The info they had was opposite, I was unemployed, homeless, and bank was at close to {$0.00} balance with no automatic deposit. Now it way overdrawn and in the negative. XXXX for {$700.00} ; North Star Finance for {$400.00} ; and XXXX for {$520.00}. I ca n't even get a credit card and how these were even approved, I do n't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I purchased a pair of {$1000.00} dollar sneakers from the XXXX  app on XX/XX/2019, which turned out to be illegal replicas. I talked to my bank and they did not side with me even after I provided evidence that XXXX  confirmed the pair of sneakers were inauthentic. Mind you, XXXX  app has atrocious customer service and no phone number for customer service, only chat rooms that take days and weeks to reply. It is frustrating that I was give the chargeback money initially, but had it taken back for no clear reason. I am in debt because of this and I will not be able to pay back the negative balance because I am in college and do not work, I live off of financial aid. Truly, I have been scammed by an ostensibly reputable company. They supposedly sell authentic shoes 100 % of the time, but many people have complained about fakes, and unfortunately I can not get a refund directly from XXXX  simple because they were used. Does that seem right? A company gets away with giving me illegal counterfeit shoes priced over 1k simply because they are used and not new? I was hoping to resell them once I had bought them, but unfortunately the potential buyer I tried to resell to noted they were fakes right away. I threw them away as soon as I could once I knew they were fake, because I morally am against breaking the law and selling replica shoes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Billing statement

Complaint:
After reviewing my recent credit card statements, I found out that Citibank has charged me 25.49 % interest rate on the credit card I have with Sears. As I know Citibank corporate office located in the state of SD and maximum interest rate allowed in that state is 15 %. I imagine how many people were charged without knowing it 's illegal.

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 2018-05-30
Company: 77 Elite
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I called a number in which I found on an old department of student loan statement. 77 Elite also known as XXXX XXXX XXXX answered the phone. I spoke with XXXX XXXX who told me that the company would assist me with getting out of default with my loans, prevent the IRS from garnishing my income tax refund, and would set me up in a program known as the Revised Payment Plan. Under this plan, XXXX informed me, that I would pay approximately {$220.00} in principle payments for the next 10 yrs ( 120 payments ), and that after the 10 yrs is up I would be eligible for another plan known as a teacher loan forgiveness plan which would wipe out the remainder of my federal student loan amount on the principle, interest and that collection costs and fees would also be removed at the end of the 120 payments. XXXX stated all this would be done for a small fee of {$920.00} which was paid by me in three increments for the month of XXXX, XXXX, and XXXX. 

I called the XXXX XXXX XXXX XXXX, XX/XX/XXXX and was told that they have never heard of the company. I called the company and was told they have been around for many years and they urged me to fax in my limited power of attorney form. Yesterday ( XX/XX/XXXX ) 77 Elite/XXXX XXXX XXXX   also told me that my loans were being controlled by a collection agency known as XXXX XXXX XXXX XXXX XXXX and that I was accruing $ XXXX/mn in interest fees. 

Yesterday, after many called to the Department of Education, the Department of Justice XXXX XXXX XXXX, and the Department of Justice 's US Attorney 's Office I was told by XXXX XXXX ( XXXX ), the attorney that has my student loan case, that my loans are NOT being held by a collection agency. After my conversation with Attorney XXXX, I called the Department of Education to ask if 77 Elite or XXXX XXXX XXXX makes student loan payments for students. I was told that they have never heard of the company. As a result, I would like my {$920.00} back and this company exposed. 

Thank you for your support, 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 explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, whichstates that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below arestill reporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have never received a fair investigation for this fraudulent account reporting on my consumer credit report. XXXX XXXX XXXX is known for fraudulent activity and Equifax is an accomplice. All information about the account is false, never been proven and must be deleted from my credit report. Please see attached police report, FTC report and a few previous disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received the offer information to apply for the Barclays ' XXXX Mastercard, which it clearly says " XXXX Introductory annual fee the first year, after that {$99.00} '', I got the offer and I was never told I needed to apply " inflight '', so I took the offer and signed up for the card online, thinking the offer was the same ( nobody explained that doing it online, the offer changed ). I got accepted for the card and soon as I received it I was charged for {$99.00} for the annual fee. I called Barclays costumer service, and is until then when they explained to me that the original offer it is only for people that apply inflight. I was told they couldn't help me in any other way than for me to pay the annual fee or to cancel my account. I feel I was completely tricked and I truly believe the company Barclays is giving misleading information to the applicants of the credit card XXXX. I canceled the credit card, because I don't think is fair the way that they made me sign for it, and now my credit score will be affected for the misleading information from Barclays Bank Delaware. I don't think is fair at all.

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 2022-05-06
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, whichstates that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below arestill reporting on my Credit Reports and need to delete immediately : XXXX & XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Experian Information Solutions Inc.
State: MI
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:
The US Dept of Education had been inaccurately reporting debts to my credit report. I disputed these accounts twice, once over a year ago and more recently this year. Each time the US Dept of Education affirmed they were reporting accurately. There are numerous reasons why each of these accounts MUST be deleted from my credit report immediately. Here is a list of all the US Dept of Education accounts being disputed : U S DEPT OF EDXXXX Account XXXX XXXX = {$590.00} Account # XXXX = {$3500.00} Account # XXXX = {$2100.00} Account # XXXX = {$340.00} Account # XXXX = {$1400.00} Account # XXXX = {$1400.00} Account # XXXX = {$1500.00} Account # XXXX = {$2900.00} Account # XXXX = {$2500.00} Account # XXXX = {$2500.00} Account # XXXX = {$4400.00} Account # XXXX = {$4500.00} Account # XXXX = {$630.00} Account # XXXX = {$2500.00} Account # XXXX = {$2500.00} Account # XXXX = {$2400.00} Account # XXXX = {$3900.00} Account # XXXX = {$1100.00} Account # XXXX = {$2500.00} Each account has been reported twice to my credit report therefore placing twice as much harm on my financial status. 
The wrong balance is being reported with each account MOST EGREGIOUS : Every account has been deliberately RE-AGED -Stating these accounts were opened on XX/XX/XXXX. This is inaccurate and NOT POSSIBLE as I Graduated college in XXXX. All these accounts were opened between XXXX XXXX and all over 7 years old therefore by law MUST be deleted. 
I will be attaching proof of when these accounts were opened, therefore proof all the accounts have been RE-AGED in a deliberate scheme to cause me harm. YES, I WILL BE FILING A LAWSUIT.

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 2015-12-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In XXXX of 2009, my husband and I filed Chapter XXXX Bankruptcy. Our mortgage company, HSBC, agreed to a loan modification and reaffirmation which lowered our mortgage payments from XXXX to XXXX. We signed these documents with our Bankruptcy Attorney ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ) and they were sent to the Attorney for HSBC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ) to be filed with the court. 

Four years later, we start getting notices from HSBC that we were behind on our mortgage payments and they threatened to foreclose on our house. Not one time have we ever missed a house payment. At that time, I had my attorney research the matter even though they were not obligated to do so, they contacted the Attorney for HSBC who claim to have never received the loan modification and reaffirmation agreement. I was terrified that our house would be foreclosed on again, so I agreed to sign another reaffirmation agreement. However, HSBC did not agree this time to modify our loan payments to a lower amount. I feel like in order to keep my house, I felt forced to sign the new agreement at the higher payment of XXXX. In addition to the higher payment HSBC tacked on approximately {$12000.00} in interest. 

No one seems to care that the paperwork was mishandled. No one seems to care that I owe {$12000.00} more than I should. No one will listen. I hope you will.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: AMERICAN EXPRESS COMPANY
State: KY
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 account was dismissed with prejudice. Who is going to fixmy credit score? I would like to receive costs for at attorney and defomation and punitive damages etc. Why are there 2 case numbers to the same case? I did not even know about this account. But it does look like american express accepted a payment after they closed the account already.

Company response to consumer: Closed with explanation