BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-06
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: Public record information inaccurate

Complaint:
Exsperian is reporting an acceptance know account was settled through a bankruptcy. Which is false

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 2020-04-22
Company: Experian Information Solutions Inc.
State: IL
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:
The company is reporting inaccurate information on my credit 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 explanation
Consumer complaint received 2018-07-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I tried to open a HSBC Advance Checking Account on XX/XX/2018. 

HSBC withdrew {$10000.00} from my XXXXXXXX XXXX checking account as opening deposit on XX/XX/2018 but failed to provide any information on how to access the HSBC Advance account. I  contacted HSBC several times via online chat, phone call and email, HSBC still did not provide me access to the HSBC Advance account. I was never given EBN ( Electronic Banking Number ) to register my account. 

HSBC also falsely advertise 24x7 service for HSBC Advance banking. When I called XXXX after XXXX ET, no one was available to answer the call. 
https : //www.us.hsbc.com/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/22 I was under the impression I was in the process of purchasing a XXXX XXXX puppy from XXXX XXXX on the website XXXX XXXX XXXX phone number is XXXX the email is XXXX We had talked over email and I was sent a bill of sale to look over and fill out and sign. After looking that over I was instructed to send XXXX payments of {$350.00} dollars through XXXX. I use TD bank that offers XXXX on the mobile app. After sending the money on XXXX through my TD app I was then instructed to continue sending money to the travel company for unrealistic reasons that website is XXXX After that I was fully convinced it was a scam. I then called my bank right away to inform them I was scammed. They told me to wait until the charges went through my account and were not pending anymore. The next morning ( XX/XX/22 ) I called and filled a fraud/scam claim on the XXXX charges. Today ( XX/XX/22 ) I called to check on the claim and they informed me it was denied. I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This XXXX XXXX XXXX is still reporting on my credit report after I asked Transunion to verify this debt. Wrong information continues to report. This debt has been dismissed by the court last year and I will be attaching the documents showing that it was dismissed. Also wrong amount is continued to be showing

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 2022-02-13
Company: Experian Information Solutions Inc.
State: NJ
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 notified Experian that I was provided no prior knowledge of account nor debt but account still is being reported negatively and defined as accurate.

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 2017-06-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I first filed a complaint against Chase regarding the credit reporting on my payment of the mortgage and how my payments are being applied. The reference number is XXXX. I got a response and an accounting statement. In their response, Chase decided to remove late payment status from the credit reporting agencies because even though there was a dispute regarding escrow, they admitted I continued to make my monthly payments in good faith. In looking at the detailed statements from chase I notice they are charging me late fees of {$39.00} per month for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX for a total of {$150.00}. These charges need to be reversed as chase 's own letter says that I continued to make payments as scheduled. This is particularly idiotic as per chase 's own statement I cleared up the escrow in XXXX XXXX and it was their error about applying the XXXX XXXX as payment on principal. Also in chase 's response they cite a withdrawal from my account for city tax of {$1700.00} XXXX. The city of XXXX does not have a city tax. I want to see the the check for this tax, who it was made out to and how it was cashed. In XXXX XXXX the loan was sold to XXXX XXXX services. How do I get these guys to remove the bad information on my credit rating? Again, in selling the loan and passing on bad information, Chase has hurt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I closed on a HAMP modification for my mortgage in XXXX with JPMorgan Chase. Since then I have been having difficulty getting my 2nd mortgage modified under the 2mp program with XXXX. XXXX claims they never received an notification that my 1st loan was modified and that my 2nd loan is eligible. I believe Chase has to input my HAMP modification in to the servicing HAMP system. I believe the system is called the XXXX XXXX matching system. I need the 1st loan to match with the 2nd loan in the system. I tried calling Chase but most telephone representatives do n't understand what i 'm talking about. I desperately need this modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is in direct violation of my Consumer Rights. 

They are reporting inaccurate information to my consumer report. 

See attached.

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 2020-02-14
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: Old information reappears or never goes away

Complaint:
I have a bankruptcy on my credit report that should be taken off. It was back in 2012. It's been 8XXXXyears and should come off. Experian still has it on there 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 explanation
Consumer complaint received 2020-02-14
Company: ZWICKER & ASSOCIATES
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Zwicker and Associate P.C. Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This collection company written above summons me for trying to collect a debt without mention how much I owed or Can you please ask them the breakdown how much and complete paper works of why, when, who and where? 

Can you please advise or please help how to answer the summons given to me. 
By this fraud collection company. 
Lastly, tell this collection company to STOP sending summons or calling me. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The problem is Regional Acceptance is reporting my debt as a charge off. However, I have been remitting payments to XXXX XXXX XXXX ( XXXX  ). XXXX is the debt collection agency for Regional Acceptance. Regional Acceptance refuse to reclassify my debt as paid as agreed.

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 2022-09-06
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I have told this company over and over again that the credit card company chose to close my account when I has report the charges on the card as fraud, once the credit card company said that I never heard back from them and that was back in XXXX of XXXX or XXXX. They said they would let me know the outcome of the investigation, but never heard anything back from them. Now I getting letters in the mail threatening to sue me and saying they are contacting a lawyer in my state about this debt when I never got information or knew that I could dispute this debt with midland credit collections. I was not never informed that my debt was being sold and sold again to keep this on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.

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 2017-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Three charges appeared on my XX/XX/XXXX credit card statement from Bank of America ( attached ) for {$11.00}, {$8.00}, and {$14.00} that totaled {$35.00}. Bank of America sent 3 letters all dated XX/XX/XXXX ( attached ) acknowledging the dispute of the 3 charges as being fraudulent. Bank of America sent a letter dated XX/XX/XXXX ( attached ) indicating that credit for the {$35.00} would be made to my account and issued me a new credit card ending in XXXX with instructions to destroy my old credit card ending in XXXX. My credit card statement of XX/XX/XXXX ( attached ) shows that Bank of America did in fact credit my account for the 3 fraudulent charges of {$11.00}, {$8.00}, and {$14.00}. However, theXX/XX/XXXX letter from Bank of America ( attached ) FALSELY stated that XXXX had also issued credits for the 3 fraudulent charges in 4 ( four not 3 ) credits to my account and Bank of America was therefore adding the amount of the 4 credits from XXXX back into my account.. This action by Bank of America to add the 4 amounts is shown in the attached XXXX print of my online account. However, of the four credits which Bank of America indicated were made only the credit for {$14.00} was made by XXXX AND this was a credit for goods purchased by me from XXXX and then returned for credit as shown by my attached statement of XX/XX/XXXX and the attached receipt for the return. It was not a credit for the disputed charge of {$14.00}. The other 3 credits of {$8.00}, {$0.00} and {$11.00} that Bank of America alleged were made by XXXX never appear on any of my statements and were NEVER made by XXXX. Hence, the action of Bank of America of adding the {$35.00} of the credit it originally made for the fraudulent transactions is itself fraudulent and is only an attempt to cheat me out of {$35.00}.

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 monetary relief
Consumer complaint received 2022-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
on XX/XX/22 I received a Bank of America email stating an online application was in progress. I received a second email stating the new account was open. I received a third email stating i was enrolled in online and mobile banking. 

I never opened a bank of america account. 

Bank of America stated they froze the account and that i needed to contact State of CA employment development department and the federal trade commission.

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 2022-09-06
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received an email from XXXX XXXX that there was a hard inquiry on my credit, but I do not recognize the company running the hard inquiry ( American Express ) or know why they would perform a hard inquiry on my credit without my consent ( nothing in my life currently would require a hard inquiry ). I believe this might be a fraud situation, which is why I'm filing a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After being denied financing for " too many inquiries '' from TransUnion, I reviewed my free annual credit report from all bureaus for 100 % accuracy. I found that there were several unauthorized inquiries that I had no knowledge of and I submitted a written complaint to TransUnion requesting that they verify the accuracy of these inquiries that I did not authorize. After a few weeks, I called and spoke to Supervisor XXXX XXXX today who provided me with no relief in verifying the unauthorized inquiries. My account already has an active fraud alert to prevent future unauthorized inquires like these. The following inquiries were not authorized and I 'd like to see to it tthat they are removed or verified for accuracy. None of these companies received my identification or authorization to obtain my TransUnion report for any reason : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: EQUIFAX, INC.
State: VA
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:
In XXXX I disputed the following items on my Credit report and the bureau was not able to verify them but did not provide any information that supported these accounts were accurate or belonged to me as requested. I would like them removed from my credit report. 


XXXX XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: I.Q. DATA INTERNATIONAL, INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted IQ Data International about my renter 's debt. While I tried to work out a payment plan, they were completely unreasonable with me, treated me like I was ignorant about how the system works, even tried to explain to me what a loan is. When I tried to propose making the payments I am able to make, they said that the amount was too small and that they would not report the payments or provide me with proof of payment. Since then, it was represented to me that a settlement might be acceptable, about one third of the original totally, but another representative informed me that this settlement would not actually clear the debt, simply remove my name from the list. The actual amount required to settle the debt is significantly higher.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: World Acceptance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND THE CONSUMER. I have sent a correspondence in response to an email I received from World Finance on XX/XX/XXXX. Within that email they informed me that I owed an " alleged '' debt. This is not so. Pursuant 15 USC 1692c ( a ), a debt collector may not communicate with a consumer in connection with the collection of any debt which World Finance clearly stated in the email they sent me and only the original creditor can validate an " alleged '' debt. Pursuant 15 USC 1692, World Finance is fully aware of the laws that fall under the Fair Debt Collection Practices Act, but fail to comply with the consumer laws by reporting this alleged debt. World Finance has received my correspondence on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: EQUIFAX, INC.
State: OR
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 filing a legal suit against XXXX and Equifax because they dumped my credit record after a period of no activity, then improperly restored records with a " reported date '' that negatively affected my ability to qualify for a conventional mortgage loan. I need to know how long they are required to maintain consumer credit records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Duncan Solutions, lnc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi, My name is XXXX XXXX, I reside at XXXX XXXX XXXX XXXX XXXX, NC XXXX.
OnXX/XX/XXXX I was in XXXX Virginia on an HWY, I entered intentionally a toll zone HWY, as soon as I noticed it I got out from the toll, a couple of months I received a bill of {$1.00}, I did n't give it much thought, I end up losing the invoice and forgetting to pay it.
Soon after I received a bill from a collection agency ( Professional Account Management, LLC )  with the following info : Professional Account Management, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX PAM Account # XXXX Notice # XXXX My car plate : XXXX Due Date : XX/XX/XXXXTotal due : {$100.00} I really found it excessive to a theft, to charge {$100.00} for a bill of {$1.00}.
Can you please advise me how to fix this injustice.
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX 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 2022-03-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation