BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-23
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Freecreditreport.com fraudulently charged me to obtain my XXXX credit scores. I had no notice that I would be charged and was assured that I would NOT be charged as long as I cancelled the membership within 7 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
On reviewing my TRANSUNION credit report, I discovered that XXXX XXXX Delaware had initiated an fraudulent inquiry on XXXX/XXXX/2015 into my credit report without my written authorization. This breach is in violation of my privacy Act, where it is evident that employees of XXXX XXXX Delaware unilaterally made unauthorized inquiry into my credit profile.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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: Old information reappears or never goes away

Complaint:
In XX/XX/2022, I disputed accounts on my credit report that were inaccurately listed with Experian and did not appear on my credit file with XXXX or XXXX. This has caused undue stress in trying to validate and remove this inaccurate information. 

In accordance with the fair credit reporting XXXX XXXX account # XXXX and XXXX XXXX account # XXXX has violated my rights : 15 USC 1681 section 602-A states that I have the right to privacy.

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. 

I demand that these accounts with XXXX XXXX be removed from my credit reporting file.

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 2015-10-13
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a follow up to case Your submission, [ Case number : XXXX ]. I have already submitted my paperwork showing the credit reporting done in error on my account # XXXX. This needs to be removed from my credit immediately as the correct procedure ( to protect consumers ) was not followed therefore reported to the credit bureaus in error. I received no response to my certified letter demanding a validation of what is " said owed ''. I do not owe this debt but if it is handled in the correct fashion and this removed from my credit, as it should have never been in the first place, I will pay the {$130.00}. Please reach out to me through email or fax with this expressed in writing and we will go from there. Once received in writing showing this was done in error and will be removed from my credit immediately, I will mail in a check. This is my final attempt before I seek legal counsel and move on from there to sue for the $ 1000+ damages done to my credit. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
PNC bank purchased my XXXX bank account so I never opened this account. There was {$0.00} in this account and my debit card was never activated. The debit card was never used and never left my possession. There was a $ XXXX charge made on XX/XX/XXXX and due to the charge PNC closed XXXX account. I did not know about the charge until XX/XX/XXXX when I received a letter saying my bank account was closed. I have been on the phone with PNC bank for almost XXXX hours being transferred to random different lines. None of the employees will give their information except for first name except XXXX XXXX in the debt collection department. This is the most unprofessional bank I have ever dealt with and can not resolve an unauthorized {$45.00} transaction. How can someone trust this bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is in reference to a time-barred debt. Last payment was made XX/XX/2011 from a repossession auction. Another collector tried collecting this also, but withdrew when i was having a lawyer represent me in court. The debt was time-barred at that time also. They are now calling my personal phone and anyone they can at my employer. I have requested they not call here due to my employers policy against this sort of inquiries. I requested they send me the info about this matter. FDCPA states they have 5 days. Lady on phone argued it was 30 and asked why in never responded to any of the paperwork they sent. I informed her that i never received anything from them. A gentleman i talked to yesterday stated this was about a breech of contract, but the lady today stated this was a lawsuit and an attempt to gain asset info from my employer to garnish wages, all while trying to strong arm and intimidate me. She seemed to have no concern or knowledge of this FDCPA regs. She didnt state the company name, reason, anything of that sort. All required per FDCPA. She also told me i needed to get another lawyer as my current lawyer doesnt know anything. I was told from the gentleman the other day that the name of their company ( which i had to ask for ) was XXXX. I found nothing on just that but did find info on some companies with the same letters as name, but spelled out. I believe i found the right info in my search then as a post i found, people have explained the same exact thing that they are doing to myself. i have added the post link below. I would really like to have all of this stopped as i 'm trying to move on from my past. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015 my wife tried to withdraw money from our joint checking acct with HSBC. It did not work, so I called HSBC XXXX that night ( I have called many many times over the XXXX years with HSBC ). They told me there is a block on my account and I need to call Monday morning to sort this out. On XXXX XXXX, I called, spoke to XXXX, who told me my account has been closed. HSBC said they had sent letters / emails to my wife requiring some information from her or the account would be closed. My comment to HSBC is why did not they not call me before doing anything drastic like closing my account. At this time, my wife got on the phone with XXXX and told her that she in fact did receive emails but ignored them saying she thought they were spam. XXXX said that they tried to phone us but it did not work. XXXX mentioned some phone number that was not ours. This call got cut off. XXXX minutes later I got a call from XXXX who admitted HSBC was at fault and should have called me ( her phoning is also proof that they have my correct phone number - record attached ) and that HSBC would send me a check through registered mail that I should receive in XXXX business days. They would also send me by text the tracking number. This conversation was recorded by HSBC. 
XXXX XXXX, I phoned HSBC, XXXX, to inquire where was my check. XXXX told me that it is has not been sent, as HSBC needed to confirm my address. On the same day, XXXX XXXX, I received mail correspondence from HSBC - separate issue and attached, that shows they did have my address ( not changed in XXXX years ). XXXX also said my account was not closed and was " restricted ''. XXXX promised to call me XXXX XXXX with more information. I did get a call from her on XXXX XXXX, was unable to answer it, and called by HSBC and spoke to XXXX. XXXX told me XXXX is the supervisor and is required to call me twice ( she did not ). I asked XXXX to escalate the issue ( and I also confirmed my address with him ) he promised to have a supervisor call me back within an hour. They did not. After a few hours XXXX called me back, apologized and said that I now need to speak to XXXX about this issue. I told XXXX that I want my money, and that I will contact the XXXX Police Dept and report HSBC for theft. He told me there is nothing he can do, and that XXXX will call me on XXXX XXXX. At this point ( XXXX XXXX ), I could still see my account online. XXXX XXXX, my account is suspended online ( attached ), and when I called HSBC as soon as they get my account number, they immediately hang up, so I must be flagged as " do not speak to this person ''. Therefore, HSBC has my money and I am completely unable to contact them. So I must wait for XXXX to call, HSBC has broken their promises before so I may or may not get this call. I have no recourse at all and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Early Warning Services, LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I did a transfer through Zelle from my checking account with XXXX in the amount of {$750.00} for the purchase of a puppy. The next day we realized that we were scammed and I called to bank right away but the money had already transferred. We tried contacting the seller but they wouldnt answer our calls or emails. The bank did an investigation but because of XXXX terms if service they couldnt get the money back. I called the bank once again to reopen the investigation which they did but still had the same outcome. This incident like many others are being overlooked by companies like Zelle, who do not protect the customers. We loss {$750.00} and no one helped us get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I co-signed for a loan taken out by my Daughter who suffers from   XXXX   XXXX  . At a certain point she could no longer work or pay the loan. I am also  XXXX  and suffer from  XXXX . We both recieve our sole income form Social Security. We applied and subesuently recieved releif under hardship but the lender continues to report " missed payments '' on both of our credit reports with all three credit reporting agencies. The lender ( formerly  XXXX   XXXX   )   Navient, had been informed of our desire to seek relief under hardship. We deny the late payments. I am also siting this corporation of re- aging the loans to keep reporting the late payments and continue multipl e reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Genesys National Recovery, Inc.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collector contacted me by phone, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and didnt identified the debt. On the last message whom ever called used bad XXXX words and this is unacceptable. Previous calls were in XXXX, XXXX and XXXX to the extent they contacted my girlfriend which had nothing to do with it and provided her information regarding the debt collection and also threaten with legal actions. 

On XX/XX/XXXX XXXX XXXX Account Consultant from Genesys National Recovery , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX City, TX XXXX Direct Phone : ( XXXX ) XXXX Office Phone : ( XXXX ) XXXX sent an email stating I owed {$590.00} from XXXX XXXX in XXXX, XXXX. 

When I had previously already stated in XXXX that based on XXXX reasons I could no longer attend and based on the XX/XX/XXXX XXXX XXXX situation it was a health risk to attend. 

The Government of XXXX XXXX since XX/XX/XXXX has all these facilities closed additionally there is a class action law suit against XXXX contracts In XX/XX/XXXX I came to an agreement to satisfy such debt so they stoped harassing with taking me to Jail, law suits, garnishments and legal actions. 

Since XX/XX/XXXX Ive been emailing the collection company to stop harassment and disputing the debt. They have not answered as well they did not answer a previous complaint for similar reasons with this same Consumer Finance Agency. 

They have not responded to my dispute email and I have sent them over 4 disputes to the same emails they have previously written to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a debt collections letter from Enhanced Recovery Company in XX/XX/XXXX stating I owed a debt of {$130.00} from an account that was with XXXX from XX/XX/XXXX. I disputed this via telephone call in XX/XX/XXXX and they said they would mark it as disputed, but it never happened and I never received company statement validating the debt, but the debt was then listed on my consumer credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
company in question did not inform me of any collection action nor did they notify me of any action that was taken legialy. They also failed to give me a final demand letter after reciving a judgment aginst me. Also creditor is the same as the company that is collecting on this dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting daily calls between XXXX-XXXX including weekends from a Midland Credit Management calling XXXX leaving messages looking for a XXXX or a XXXX, depending on the accent of the caller. They started calling me about two weeks ago. I have had this home phone number for nearly four years, and no one even close to that name has lived here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: WELLS FARGO & COMPANY
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XXXX 2014 I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX. I was told the vehicle I purchased had only XXXX previous owner and was a clean no accident car. It had a retail value of XXXX. I purchased the vehicle and took a loan with Wells Fargo for {$14000.00} I currently owe ( {$9700.00} ) I went to trade this vehicle in after visiting XXXX XXXX Book to get an approximate value. XXXX XXXX pulled up the XXXX to find that I was the XXXX owner and there had been XXXX record-able accidents and the current trade in value of the car was {$570.00} Wells Fargo never should have issued a loan on this vehicle as at time of purchase it was only valued at {$2500.00} I can not trade this car in, and selling it privately is a night mare. I feel Wells Fargo should " Forgive this debt '' and either allow me to sell it at a much lower price, paying them what I receive or take the car themselves to sell. I currently have Gap Insurance on this vehicle. Its very obvious that Wells Fargo 's Auto Loan Practices are in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Company has informed me that the statue of limitations has expired on the debt and it is a violation of the Fair Debt Collection Practices Act 15 U.S.C 1692 et seq, to sue for a debt which the statue of limitations has expired. However if i do n't reply to this letter they have sent me or pay the debt in full they will issue a wage garnishment to my employer. And stating again " the only way to prevent this is by paying them in full ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: U.S. Auto Credit Corporation
State: KY
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am behind on my car payment not 30 days which is in my contract, the customer service representative that keeps calling is XXXX XXXX ( XXXX XXXX XXXX Ext XXXX. Yesterday, was really the last straw for me. She shared information about me to a Co-Worker about my debt problems. After I told her many of times please do n't call me on my job, that I get off at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  Accounts XXXX, XXXX, XXXX, XXXX, have 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 2022-07-22
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, account XXXX has violated my rights. 15 US 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 absolutely 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 2015-07-09
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
While not attempting to collect a paid debt, the collection agency continues to update my report with inaccurate information showing delinquencies after the payment date. 

I have been going round and round with Midland Funding and XXXX/XXXX with inaccuracies and errors on my credit report. I have tried phone calls, emails, faxes, direct disputes with the credit bureaus, and a XXXX complaint. 

After numerous attempts with Midland and XXXX directly, I filed a XXXX complaint in XXXX XXXX, information received from Midland on XXXX/XXXX/XXXX, rebuttal sent back on XXXX/XXXX/XXXX and a final response on XXXX/XXXX/XXXX. I received comments from XXXX on XXXX/XXXX/XXXX, sent a rebuttal on XXXX/XXXX/XXXX, and then a final response on XXXX/XXXX/XXXX. 

XXXX advised me to contact Midland, and Midland advised they were sending an update and to contact the credit bureaus directly. I contacted the credit bureaus and they advised to submit disputes, which I did and that 's make the situation worse. 

Midland is stating that they opened the account in XXXX XXXX, but XXXX sent me a letter stating that they did not sell the account to Midland until XXXX XXXX. Additionally, Midland is reporting differing dates of delinquency, etc. 

My husband is a XXXX veteran, and we are in the final stages of getting our VA Home Loan approved. Based on the inaccuracies with Midland Funding 's reporting, our mortgage " tri-merge '' is not coming through clean. We have XXXX bureau reporting XXXX as an OPEN creditor ( not collection agency ) that shows updates each month. This is a " Paid in Full '' account that was closed in XXXX XXXX, yet it shows " pays as agreed '' each month now. And even after these numerous updates, I now have a XXXX XXXX update on XXXX bureau that shows up as a Collection activity for XXXX XXXX ... again, on an account that was closed last year. This was again verified as " accurate '' today, XXXX XXXX, XXXX and shows XXXX days late for XXXX XXXX. ( see attached ) As these are both paid accounts, I am requesting your help in just having the account/tradeline suppressed or deleted in entirety immediately. I have tried to be patient and work through every option, but it 's getting worse and we 're at jeopardy of not clearing underwriting because of all this new activity. It 's causing fluctuations in our credit score and the underwriters are n't sure what the " accurate '' picture is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
AMERICAN EXPRESS has reported negative remarks on my Credit Report regarding a pending debt. I have not been presented with some practical solutions to resolve this issue.

Company response to consumer: Closed with explanation