BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I receive several calls every day from XXXX XXXX XXXX. Calls have been coming in for several weeks without any information left in the automated voicemail message they leave. Today I spoke with a representative twice within a 30 minute period, and I believe they have violated several sections of the Fair Credit Reporting Act. 

This company is operating with suspended registration from the XXXX. The company called me trying to collect a debt that I defaulted on more than four years ago ( 2011 ) and therefore is past the Statute of Limitations for consumer debt collection in California - I have not done anything to trigger the restart of the Statute clock. The company could not provide me proof that they were authorized to represent the credit card company and they tried to get me to make a large payment immediately threatening that if I did not pay this would be handled publicly. When I told them I can not be called during business hours they claimed they were noting a refusal to pay. They would not note that I should not be called during business hours, and they threatened to damage my credit if I did not pay today. 

I have no ownership interest in this company. I have not consulted other federal departments or an attorney. There is no lawsuit or court action pending. The address information is from the former filings with the CA XXXX. I have filed a complaint with the CA Attorney General. 

I would like the company to be held accountable to the fullest extent of the law for operating a business in CA without registration and non-compliance with THE fair Credit Reporting Act ( in addition to Section 1788.14 of the CA Civil Code. 

Contacts : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TransferWise Ltd
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wise financial institution decided to close my bank account with them. I filled out refund form and submitted it with my full refund to bank account information, my home address ( mailing address ) and a phone number. It has been more than XXXX weeks and I havent received any refund or a any sort of communication from them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: JPMORGAN CHASE & CO.
State: GA
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 a loan with XXXX XXXX, XXXX XXXX XXXX, and JPMCB CARD. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and JPMCB CARD with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: Carpenter, Hazlewood, Delgado & Bolen, PLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I bought my home 8 years ago and paid cash for it up front. Anyway over time I found out my ex never paid our HOA. A couple of years ago I entered into an agreement with the attorneys for XXXX XXXX XXXX XXXX that they would remove the lien and other owed funds once i made a one time payment of XXXX which I made and notified them of the payment at that time. Anyway they never took the lien off my home instead they compounded it with legal fees and are now foreclosing on me. They never let the judge know about this agreement and when I spoke with their attorney I was told they would no longer honor the agreement we had even though it is in my file and I do have the negotiations and agreement in my email. They just plan on taking my house just like that. XXXX XXXX made the agreement with me on their behave she is the Director of Collections for Carpenter Hazelwood and they say I now owe over 20k dollars all of which are legal fees which I would not have had if they had honored the agreement. I still have all the emails including the negotiations and XXXX telling me they would remove the lien from my home and eliminate the small amount left. In addition to this I am never notified of any court dates either I am only notified after the fact and I am certian this is because they know I will make the judge aware of the agreement. So the judge has signed a foreclosure without having the information and I have been holding them off but am now out of options. How is this legal or even remotely fair business practices? I really need help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-08
Company: EQUIFAX, INC.
State: IL
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:
The XXXX at Equifax let people take my private info. I do n't know how any company that deals with information in today 's modern age can be so incompetent but they apparently want to be the next enron so I 'll be seeing them in the class action lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Equitable Acceptance Corp
State: CA
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:
XXXX XXXX in XXXX, CA was supposed to be doing a student loan forgiveness program. XXXX XXXX XXXX is the representative that handle everything. She gave me the name of Equitable Acceptance to make my payments to. The initial payment was {$150.00} and the remainder was {$49.00} for 33 months for total loan forgiveness and removal from my credit report. Equitable Acceptance showed up on my credit report as a loan of {$1200.00}. I called Equitable Acceptance at XXXX, which is the number given to me by XXXX XXXX and that is not a good number. My loan was consolidated and is now with XXXX Department of Education XXXX XXXX with a payment due to them currently. I did not authorize this and this is also not the agreement that I had with them. My case id with XXXX XXXX is 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 2021-08-26
Company: Cooling & Winter LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Cooling & Winter ATTORNEY AT LAW XXXX XXXX XXXX XXXX GA XXXX Is sending me collection letters to collect on a discharge debt. 

XXXX XXXX is the original creditor that keeps giving these collection companies my discharged debt. 

This is the 3rd collection company that has contacted me. 

I am tired of responding but I have to in order to keep them from Attacking my credit. 

XXXX XXXX also reported my debt as a charge off instead of a discharge although the account was never late before discharging. 

It seems XXXX keep selling my information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
Sent out documents showing that these credit bureaus & creditors have been wrongly reporting inaccurate information on my report. Its against the law and its slowing me down from bettering myself in life. Under section 609 of the fcra I really feel like these items are in fault and need to be removed ASAP.

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 2017-09-08
Company: EQUIFAX, INC.
State: TX
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:
Equifax improperly secured my personal information and according to their equifaxsecurity2017.com service, my data were compromised. Equifax is now coercing those affected to enroll in their TrustedID Premier service ( after the website tells customers their data were compromised the only remaining dialogue says " click the button below to continue your enrollment in TrustedID Premier '', the terms and conditions for which void customers ' rights to legal action against Equifax. ) Outside of the option of never applying for credit, at no point in my life have I ever had any option to prevent Equifax from obtaining my information. The action of simply applying for credit in the United States has left me vulnerable to Equifax 's improper data security. Therefore, Equifax was entirely responsible for ensuring my privacy, which they failed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: MI
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:
These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} SOC SEC ADMIN OFFICE O XXXX XXXX : {$790.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$7600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: MI
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:
These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XXXX XX/XX/2012

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX Mortgage Companies XX/XX/XXXX -XXXX XX/XX/XXXX -US SM BUS ADMIN ODA XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXXXX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MN
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:
Between
mid-XX/XX/XXXX and XX/XX/XXXX Equifax experienced a cybersecurity breach. The company discovered the hack on XX/XX/XXXX. On XX/XX/XXXX the company made it known that the intrusion may have affected around 143 million U.S. customers. Names, Social Security numbers, birth dates, addresses, driver 's license numbers, credit card numbers, and dispute documents with personal identifying information were accessed.
I learned about it the next morning, today, XX/XX/XXXX, and learned from Equifax that my personal information may have been accessed. I have finally completed steps for securing my identify after an anxious and stressful day. I hope that the steps I have taken are sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MI
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:
Checking with Equifax regarding the news report of a hacking incident to this company I received this statement from the Equifax Check Potential Impact website : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello! 

On XX/XX/XXXX I called Experian about two inquiries I had on my report : One from XXXX card and one from XXXX XXXX XXXX. I was just trying to understand why they were furnishing my credit information to companies without my clear written instructions according to 15 USC 1681b ( 2 ) which falls under the FCRA. After calling them several times, they told me to reach out to the credit company themselves. I don't know if the FCRA governs credit companies, but they directed me back to the Credit Reporting Agencies. After going in circles several times I was told that a supervisor would reach out to me between the timeframe of 24 and 72 hours. Here is the case number that they gave me : XXXX. It is now XX/XX/XXXX and I still have not gotten a call back from a supervisor. I called them several times today to follow up on why I was not getting a call back from a supervisor and they kept passing me off to other employees. I still do not understand why they are furnishing my information to companies without my consent and they have not addressed that question with me or even acknowledged that they are required to do so by law. Thank you for taking the time to read this and I hope you have a wonderful day. 

Sincerely, 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 2021-02-20
Company: TRANSWORLD SYSTEMS INC
State: MO
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 don't have any collections with TransWorld Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
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: Report provided to employer without your written authorization

Complaint:
Equifax discovered a hack into their poorly secured website that allowed the release of my personal financial information on XXXX XXXX, XXXX. They did not announce the discovery of this hack until XXXX XXXX, XXXX. 

My information along with over 148,000,000 million others ' information is now vulnerable to identify theft. This is utterly ridiculous that such valuable information is in control of an incompetent company. 
Equifax execs also offloaded over {>= $1,000,000} in stocks before making this announcing, basically profiting off consumer misfortune.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining Inaccurate Personal Information. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove any item listed below. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2022-07-12
Company: Experian Information Solutions Inc.
State: MI
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 pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining Inaccurate Personal Information. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove any item listed below. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI 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 non-monetary relief
Consumer complaint received 2017-09-08
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:
I recently learned that Equifax was hacked and personal data was given to unauthorized person ( s ). I checked if I was among those people and I was. I am afraid my data was given to some entity without my permission nor was it legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I made my final payment in XXXX, everything went according to plan. Received the letter that account had been paid in full and the XXXX was released. XXXX, I received the title. Perfect Process. XXXX rolls around, I start getting collections calls, stating that I had missed my XXXX payment and that I was XXXX days past due. 

The only communication from the prior was your account is paid, and here 's you title, so why would I be looking to make additional payments.

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