BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had a checking and savings account with HSBC. I am in the XXXX and had direct deposit go into those accounts. While I was XXXX overseas for the XXXX, someone used my debit card and made many transactions in stores and online. Once I found out about this I notified my XXXX who told me to notify the bank about the fraud. I called HSBC bank and reported the transactions which totaled over {$3200.00} of my hard earned money gone. I waited for some type of credit to my account so I could pay my bills. Three days after HSBC stated they would not be able to approve the claim. They did not even bother to investigating it. I was devastated and in shock because I really worked hard to save that money. Not only did they not investigate but they also notified the branch manager of the location that i opened my account to close it once my funds were depleted because my account was a victim of unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
This Loan was included in my bankruptcy. 
The Trustee in the bankruptcy said this loan was approved to be discharged in bankruptcy, but Mohela & US Dept. of Education refuse to see that. They say I did not supply a " Hardship Test '' If US Dept of Education and Mohela felt there was an error in the Bankruptcy Case they were to respond as any other creditor would half to by the date determined in my case file. This was established in the Ninth Circuit under XXXX argued XX/XX/XXXX and Decided XX/XX/XXXX. 
This student loan has been on my credit report since XXXX posted by Mohela and even listing late payments after XXXX, the bankruptcy occurred in XXXX and therefor should not be on my credit report stating any late payments at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In recent review of my credit reports from the XXXX major credit agencies, I see that XXXX different creditors are reporting the same account. I request a total deletion under the FCRA, according to my understanding of the Fair Credit Reporting Act, their duty as creditors is a to accurately report all accounts and to correct any and all mistakes as found by their accounting department or by myself as a the consumer. I thank you in advance for upholding the federal law as indicated by FCRA, and removing these accounts immediately. 

XXXX / XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX account # XXXX Midland Credit Managemnet XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Capio Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
On multiple occasions, XXXX XXXX identified that he was from Capio Partners and that I needed to pay a medical debt. If I did n't pay the medical debt he was going to notated in my account that I was refusing to pay which would negatively affect me. I requested proof of service rendered and payment was due. To date, I have not received any documentation. XXXX XXXX contacted my employer XXXX additional times ; advising them they are required to pay for it. My employer advised them to stop contacting them. 
I contacted Capio Partners XX/XX/XXXX who stated the case was with them but with XXXX XXXX XXXX XXXX. They stated Capio Partners has not tried to contact me. However, they subcontract jobs with XXXX and XXXX XXXX. Capio Partners stated they put a request in the file to stop the employment calling ; however they were not able to guarantee it. Capio Partners put a request in the system to provide a detailed statement to my email. I asked to speak with a compliance/complaints office and they stated no phone number was available. They stated the date of service was XX/XX/XXXX for {$460.00}. 

I then contacted XXXX XXXX XXXX which the debt originated. They stated they were unable to stop the collection agency from contacting me. XXXX stated a bill is due for {$460.00} for services rendered XX/XX/XXXX. The bill must be paid through the collection agency. They also stated the only way to get them to stop calling me is to settle my debt with that company. XXXX XXXX XXXX will be mailing a copy of the bill to the address on file. I asked to speak with a compliance/complaints office but was denied. They stated they would ask their supervisor to contact me. 

Situations like this make me not want to go to the emergency room or a doctor for fear of the future harassment and threatening posture that is posed by debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-23
Company: U.S. BANCORP
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I call the credit card line to cancel my card and they transfer my call 3 times and hang up on me at the end of XXXX minutes wait. I could hear them whispering on the background! 
Credit card company US Bank.

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 2016-03-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i can a XXXX buerue credit report through XXXX and noticed that XXXX and XXXX accurately reported while experian had somehow merged somonelses info onto my report causing my fico score to drop XXXX points on experian. we are trying to buy a first time home please help. 

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 2015-07-31
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around [ XXXX/XXXX/15 ]. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On [ XXXX/XXXX/15 ] I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX ( XXXX ) XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have contacted Experian to dispute the information they are reporting regarding a Bankruptcy in which they have obtained this information. I contacted the court and were informed they do not furnish records and information to the credit reporting agencies, which they do not. The credit reporting agency responded by telling me they are not required to give me that information. They have violated the FCRA Section 609 a 2 ) and Section 611, paragraph ( 6 ) ( B ) ( iii ). We request that the bankruptcy in question be removed from file forthwith.

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 2015-05-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A company " XXXX XXXX XXXX XXXX XXXX '' has become attached to my credit report and keeps bothering me for money saying that I owe them money. I never borrowed any money from them, do not know who they are, or how they messed up my credit report. I talked to a lawyer about it and he said I did not owe them any money, and what they are doing is illegal. How can they do this illegally, and putting themselves on peoples credit report and keep getting away with it?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: CCS Financial Services, Inc.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I changed insurance companies to take effect on XX/XX/2021 which included a bundle option for my rent insurance. The agent ( XXXX XXXX ) said I was fully paid for until XX/XX/XXXX and I do not owe any money when I purchase my new vehicle and my new policy. I bought the plan weeks in advance and planned on just keeping my current policy instead of asking for a refund from XXXX XXXX as I transitioned to XXXX. The policies I bought were a minimum of 10 days prior and the emails about canceling my policy was to cancel the ( snapshot ) option and to add a different rental policy. I still have all to now.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently had my reports pulled after receiving a bank statement from XXXX XXXX XXXX XXXX whom I do not bank with nor did I have any knowledge of this account. I contacted all XXXX credit bureaus to dispute the address as well as the many inquires that I did not authorize. Experian keeps declining to remove the inquires and report the correct address for me although I have mailed a letter with my current Missouri id with a copy of my social security card. I explained that someone has used my identity to obtain a payday loan with XXXX XXXX and has applied for multiple things. Please assist me with this matter

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 2015-07-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX did unauthorized illegal credit checksExperian : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/2022 ; XXXX Date of inquiry : XX/XX/2022 ; XXXX  Date of inquiry : XX/XX/2022 ; XXXX XXXX Date of inquiry : XX/XX/2022

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 2022-10-01
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/XXXX I disputed an account with XXXX XXXX XXXX XXXX. The complaint I am filing is specifically related to their reporting on my Equifax Credit Report. They are reporting that I was delinquent on a payment by 60 days in XXXX and XXXXXXXX XXXX XXXXXXXX. 

I have provided both Equifax and XXXX XXXX XXXX services documentation from a court order in relation to this inaccuracy. The account was originally in both my wife and I 's name at the time it was taken out. In the court order it states " Wife shall be solely responsible for all debt obligations on such titled or leased property, if there is any, and shall hold XXXX harmless theron. 

My ex-wife retained possession of this vehicle and terminated the lease early unbeknownst to me as we were divorced. In the transaction with the dealership where she traded the car they advised they would take care of the remaining balance in relation to her new vehicle purchase ( I assume roll over any unpaid balance ). I was never notified of this until XXXXXXXX XXXX  XXXX when XXXX XXXX contacted me for the first time about a " late payment ''. You can imagine my surprise that they had let the payment get this late without reaching out to my ex-wife who was the one who had traded the car in and two never attempted to contact me on an account I did not even have access to any longer. In fact, XXXX XXXX XXXX had removed my ability to even make payments on this account in their online portal and through the phone. It was at that point that I had to reach out to my ex-wife 's family and I had no contact information for her and threaten legal action if they did not resolve the problem. 

This account should not be listed in my name as negative as I have court documents showing I had no responsibility for the loan after we dissolved our divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian provided me with a response that they can not delete wrong addresses from my report because they store information provided by furnitures even though I have explain that I do not recognize such addresses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a mortgage account # XXXX XXXX. In XXXX XXXX XXXX, XXXX - phone number XXXX has increased my payments due to escrow shortage. I was not aware of the increase amount. I therefore paid the regular mortgage payment. I later received a letter stating that my mortgage payment was not posted to the account because of a shortage. I requested a copy of the findings for the increase. However by which time XXXX has reported a 30 days late due to a shortage of payment. 
The fact of the matter I was not late with the payment, I made the regular payment but not the increase. I was told because I did not make the full payment that was due ( I was not aware ) I was reported late. I tried working with XXXX and also the credit bureau but XXXX has denied the request for retraction of the 30days late. I believe if anything my payment was short but not late. As a customer since XX/XX/XXXX with XXXX I believe they should look at the history of my payment and understand this is not a late payment. The payment was short due to an increase that I was not aware of. I request that they retract the 30 day late from all XXXX reporting credit bureau.

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 2015-09-25
Company: ERC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being told that I had a home phone through att and that the bill was paid religiously on time every month. well for one if the bill was paid every month how is there a amount owed. and how do i have a bill when i never had att. I have had cell phones for the better part of 10 years through XXXX and the only home phone i ever had was through XXXX. also on my credit it states that the account is closed but another area says it is open. I want this off my account asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I called XXXX for a car to pick me up at a particular address. The driver showed up at a different address and refused to appear at the proper address and XXXX  charged me for the ride. I called American Express about the fraudulent charge and after going through many representatives ( including, but not limited to, XXXX ( last name refused to be given but purportedly in the XXXX XXXX office under ID # XXXX ) and XXXX ( purportedly her supervisor who only gave a 5-digit extension that is purportedly his ID number for employment and other purposes ) but they were unwilling to handle the fraudulent charge as it had not cleared their system. I have properly reported the charge under federal law - their refusal to take the dispute is, individually and as a company, perpetuating the fraud. I have also informed the individuals who refused to take a proper complaint that I will be traveling and do not have the time to continually chase American Express to handle a properly filed claim and it is up to them to implement their own procedures to handle a claim, which both XXXX and XXXX refused to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Bought a car in XX/XX/XXXX, totaled it XXXX ... On XX/XX/XXXX, my insurance company paid the balance and the account was satisfied. 

In XX/XX/XXXX, I saw the account as, 'Account paid in full, was repossession '. At that time I called the lender, XXXX XXXX, and they assured me they had n't submitted any repossession. In fact, I was never late. I 've disputed this over almost 7 years ... Multiple times. Nothing has changed. 

The damage and cost to my life/lifestyle is irreversible ... I do n't know if you could calculate the cost? 

It 's a gross fault of the credit report bureaus ... And their obvious lack of due diligence. I have finally received a letter from the owner explaining the error on the credit bureaus side. 
I did n't know I had any other rights or avenues ... But, I 'm XXXX ... And sick of being judged by a corrupt system. 

I have never abused credit, as many do. Yet, I ca n't get credit. 

From the owner, XXXX XXXX, XXXX '' I 'm unsure if this helps but a lot of times when there is a situation like this, places that are looking at to give you credit will call us direct or will accept a letter from us showing the proper rating to override the incorrect XXXX on the bureau. If this will be of any help please let us know and we will gladly help. " Please help! 

Best regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief