BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am writing in accordance with the Fair credit reporting act XXXX  Account #, 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 consent / instructions. 
XXXX XXXX # -- XXXX XXXX XXXXXXXX XXXX # -- XXXX XXXX XXXX # -- XXXX XXXXDept/ED # XXXX -- XXXX XXXX # -- XXXX XXXX XXXX XXXX # -- XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Good day, On XX/XX/2022, I attempted to transfer {$170.00} from my debit card to the debit card of a family member by using Moneygram 's online service. Usually, it takes a 30-minute to an hour window for the party to receive the money. However, this specific transaction has been stuck saying, " your deposit is on its way. '' When I contacted Moneygram on XX/XX/2022, to inquire about the status of my transaction and why it was taking so long, no reason was given to me except that the representative who claimed to be a supervisor would create a ticket. However, she said the ticket could take up to 90 days to be resolved, and I could no longer get a refund or cancel the transaction. As I am writing this message, my transaction is still pending. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Maximus Education, LLC dba Aidvantage
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I found out about Covid forbearance refund in XXXX. I had reached out to XXXX ( they couldn't find any information on my acct as of XX/XX/XXXX. 1 it was moved automatically to Aidvantage. I reached out to them on XX/XX/XXXX, XXXX this was prior to consolidating for PSLF ( this was done on XXXX XXXX, XXXX ). They said it would be processed and to reach back out in 4-6 weeks if I had not heard anything. I reached out to them again on XXXX XX/XX/XXXX and was told it didn't get processed, I explained that now the loan have been moved to XXXX XXXX the rep said it could still be processed thru Aidvantage since I started the refund request prior to applying for consolidation, I was also told to reach back out in 4-6 weeks if I had not heard anything. I reached out to Aidvantage again on XX/XX/XXXX as I had never received refund or any correspondence, I talked to a more informative rep then and was told the request was never processed, I did ask to speak to superior but she said she discussed with superior and refund would be " expedited. '' I was then told to call back on XXXX weeks. On XX/XX/XXXX, I reached out to Aidvantage and was told they couldn't do the refund as my loans weren't with them any longer and was told to reach out to XXXX. I reached out to XXXX and was told they can not process refund as they had no history of my payments- just the new consolidated loan in from XX/XX/XXXX. I have exhausted my time attempting to get granted covid forbearance refund without any explanation. I even sent an email to XXXX on XX/XX/XXXX and uploaded my payment history during covid forbearance made to XXXX prior to moving automatically to Aidvantage in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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: Information belongs to someone else

Complaint:
I noticed a few inquiries on my report I did but authorize

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 2022-07-28
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent several letters to the debt collector explaining that the debt is not mine. I have also sent letters to three credit bureaus. One successfully removed it but the other two did not. they are in violation and not in compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XXXX I had contacted HSBC to close my account due to the fact the 1st of all I never got a bonus for opening an account with the them and 2ndly they're charging me {$50.00} per month. Also, considering I have a checking account with XXXX XXXX XXXX XXXX and the fact that I have rent to pay and I needed to have this account closed and I was advised by the representative on that day that I needed to transfer the balance remaining to my other account. 

After I initiated this charge it did not go through so I tried again. 

Below shows what is in my account now with HSBC ending with XXXX The first time I tried was to send {$1800.00} The 2nd time since that did not go through was. 

{$1800.00} Yet when I checked on the status of both transfers it showed up as suspended. 

Yet in my account I went from having a balance of XXXX on XX/XX/2021 to a negative balance : XXXX on XX/XX/2021. 

I had called multiple times on XX/XX/2021 to have this account brought down to 0 and to have it closed and couldn't. The first representative was XXXX. The 2nd was XXXX and when I asked XXXX for a supervisor he put me on hold and the call got disconnected. There is NO money showing transferred into my other checking account with XXXX XXXX XXXX XXXX. 

Copied below is the information I see on the attempted transfers in my HSBC checking account : Tip : You can transfer funds into your account Don't get caught with a low balance. You can easily transfer money into your account from your outside bank. Set it up now. So you are ready when you need it. 

Your accounts at HSBC are unavailable as source or destination account for the transfer as all your accounts at HSBC are currently suspended. Please contact Customer Service at XXXXHSBC ( XXXX ) for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Information was exposed in data breach of Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
State: LA
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 asked all three credit bureaus to Verify the information that XXXX XXXX was reporting on my report, the account is almost 10 years old and should not be reporting anymore and they will not help me with this problem. I have contacted everyone and still no help. 

XXXX XXXX XXXX XXXX Account # XXXX Opened XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 asked all three credit bureaus to Verify the information that XXXX XXXXXXXX was reporting on my report, the account is almost 10 years old and should not be reporting anymore and they will not help me with this problem. I have contacted everyone and still no help. 

XXXX XXXX XXXX XXXX Account # XXXX Opened 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 2022-11-28
Company: SOUTHSTATE CORPORATION
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is in response to the company 's response. 


An appraisal was performed by another company and the appraisal was returned to be {$500000.00}. How can an appraisal be so different from your bank and from a new loan company? This is why discrimination is being asserted, because no additional work had been performed on the property. And, XXXX XXXX came to the property and spoke with me. He asked questions of me that I did not feel appropriate to ask in regards to, " why am I building a house this size? '' What does that have to do with my loan and who I am? The appraisal is included. I would like to have a review of my loan performed by an outside company, a mediator to resolve this issue. Yes, I admitted to wrongdoing, but that house was worth much more than your first or second appraisal received. I have a copy of the appraisal stating the {$500000.00} I would be more than happy to share. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Submitted dispute to Trans Union to remove Public Record information because the information was not properly verified by contacting the actual data furnisher, the Court of Record, not XXXX XXXX by way of XXXX XXXX XXXX obtained and sold information contained in a system of record regarding my name without my written consent. XXXX XXXX did not verify any information with the Court of Record. XXXX XXXX submitted a letter to me dated XX/XX/2022 stating it has deleted the information with Trans Union. Trans Union has not complied with the letter.

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 2020-06-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had my credit ran today XX/XX/20 because I'm trying to refinance my house but I was told I would not be able to do so because of an account from XXXX/XXXX  reflecting badly on my credit report. This account does not belong to me ; I didn't even know it was on my credit report before today because I never opened it and I did not give anyone permission to open it in my name. I am not affiliated to that company in any way nor did I have any written/verbal contract with them. I did not benefit anything from this account such as money, goods, services or any other benefit and I never made parents towards this account. I have already filed a police report regarding this unauthorized account. I have filed this report the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
State: SC
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 Act, XXXX XXXX XXXXXXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX Bank account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number 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 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26
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: Information belongs to someone else

Complaint:
CFPB complaint ID XXXX dated on XX/XX/2022, I XXXX XXXX XXXX XXXX, have notified the Credit Reporting Agencies XXXX XXXX Experian, that the Inquiries that is currently being furnished on my Consumer Report is FRAUD and is IDENTITY THEFT and XXXX XXXX XXXX XXXX XXXX willfully and knowingly and intentionally broke Federal Law and Refuses to remove such FRAUD Inquiries AFTER Ive notified XXXX dated on XX/XX/2022 that the Inquiries is Unauthorized use and Identity THEFT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! IDENTITY THEFT!!!!!!!!!!!!!! IDENTITY THEFT!!!!!!!!!!!!!!!!!!!!!!!! 

CFPB, this why its important you continue to sue the Credit Reporting Agencies, such as XXXX, Experian, XXXX, because theyre going to continue to violate Consumer Rights and break Federal Law and shall be held accountable and prosecuted for their criminal activities. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX employees willfully and knowingly and intentionally broke Federal Law Title 15 U.S. Code 1681s2 ( 6 ) ( A ) - Responsibilities of furnishers of information to consumer reporting agencies ( 6 ) Duties of furnishers upon notice of identity theft-related information ( A ) Reasonable procedures A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 

Being that XXXX XXXX XXXX XXXX, Experian, has willfully and knowingly violated Federal Law and failed to remove such Identity Theft Inquiries, I will file a lawsuit against XXXX, Experian for willfully and knowingly violating my rights and Federal Law, and Fine the Consumer Reporting Agencies {$100000.00} ( PER VIOLATION ) for noncompliance under the Gramm-Leach-Bliley Act with prejudice!!!!!!!!!!!!!!!!!!!!

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 2022-06-06
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-28
Company: LoanCare, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Let this complaint be the proof that I need the CFPB to investigate XXXX  and how they are not honoring their legal settlements between them and their clients. 

XXXX and I signed a legal settlement on XX/XX/XXXX. XXXX was to send a deletion notice for the months of XX/XX/XXXX and XX/XX/XXXX to all 3 credit bureaus within 10 days of full execution of the agreement ( once both parties sign ). Per the legal agreement, XXXX was to send an update no later than XXXX. 

Its been almost three months and they havent sent the update to the credit reporting agencies. The credit bureaus are saying no update was sent to them for the late removal. 

We just got turned down for a mortgage, since this late is still on there, and will hold XXXX responsible for damages. I lost the opportunity for a loan due to XXXX ' breach of contract. 

I am afraid that XXXX is committing breach of contract not only in my case but also with other customers. 

See attached proof of agreement and credit report that shows the late payments are still being reported.

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 2022-11-28
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 is missing that should be on the report

Complaint:
XXXX refuses to report various loans that I paid off and left in good standing, This information is crucial for my credit building and I need this information reported. 

Accounts left in good standing total {$1900.00} {$750.00} {$1000.00} {$220.00} {$300.00}

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 non-monetary relief
Consumer complaint received 2023-10-31
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have two different contracts that I signed for my car loan. One is financing XXXX and the other is XXXX for the same car. I have tried talking to the company to get an understanding but Im getting no help.

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 2023-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was in a car accident, I was out of work for 5 months without pay, and my accounts was closed without my consent!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to JPMCB - XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a request for Description of the Procedures used for you to come to the conclusion that information I disputed via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You responded On XX/XX/2023. that my dispute was verified. I then sent via CFPB feedback on XX/XX/2023 a request for the Method of Verification used to verify this account though you failed to address the true basis of my dispute which is that my privacy rights are being violated for this account to report without my permission in the first place. 

I submitted another request for Method of Verification re : FCRA 611 ( A ) ( 7 ) / FCRA 611 ( 6 ) ( a ) ( B ) ( ii ) via CFPB XXXX XXXX XXXX XXXX 

In accordance with FCRA 611 ( A ) ( 7 ) and FCRA 611 ( a ) ( 6 ) ( B ) ( ii ) .You failed to provide all the information required as you had 15 days to do so in accordance with FCRA 611 ( A ) ( 7 ) ) and 611 ( a ) ( 6 ) ( B ) ( ii ) and on each occassion you failed to do the right thing. This means you owe me {$1000.00} at this point as you failed to legally respond to my request in the required 15 days.

The basis of my dispute was based upon my privacy rights being violated as this information is reporting on my consumer report without my permission and should not be on my consumer report without my instructions. Remove it and pay me {$1000.00}.

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 non-monetary relief