BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
in XX/XX/XXXX I ordered my credit reports from the XXXX bureaus. from these reports I learned that there was an account in collections against me from HSBC bank. I contacted HSBC bank on the number listed on my credit report and was informed that this was a credit card debt. they explained to me that the credit card was opened in or around XX/XX/XXXX. at that time I explained to HSBC that I never had an account with them nor did I ever open a credit card from HSBC bank. They informed me that they would send my information and I would be contacted by their fraud department. after a period of time this did not happen I contacted HSBC again and was once again told that the fraud department would contact me. on XX/XX/XXXX I looked up the fraud department number and call them directly. I explained to a representative name XXXX my situation how I have never opened an HSBC Bank credit card and this was the result of identity theft. I explained to him that I had placed a fraud alert on all XXXX of my credit bureau reports.I explained to XXXX that I wanted this negative information removed from my credit report immediately that it was in fact a fraudulent account. XXXX explain to me that he could do nothing about it unless I filed a police report or contacted the Consumer Financial Protection Bureau. I contacted my local sheriff 's office about filing a police report however the local sheriff 's office said because of the age of the account it would not be worth investigating as most likely they could do nothing about it so a police report was not deemed necessary by them. I was informed by the sheriff 's office that it was not my right to have a report taken by them and that it was up to them to deem it necessary. I am now writing the Consumer Financial Protection Bureau to remove this fraudulent account from my credit report that was placed there by HSBC bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: LEXISNEXIS
State: NY
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:
There are accounts on my consumer report that are fraudulent. Any unathorized account is considered identity theft. Under the FCRA written by congress at the receipt of an identity theft report, which is attached, a consumer reporting agency has 4 business days to block these fraudulent accounts. I, clients name did not receive and will not receive goods, services, nor money for this block. Neither was this request made by error nor is the identity theft report a misrepresentation of fact being that it is directly from the Federal Trade Commissions website, who by law is authorized to enforce compliance. Therefore there is nothing preventing the blocking of these fraudulent accounts as said so by congress under the FCRA. Failure to comply with the blocking of these fraudulent accounts makes you liable under section 1681n of title 15.

Unless your consumer reporting agency is able to provide me, clients name who is the consumer, a proof of validation of any of these alleged debts from the creditors within 4 business days, there should be NO reason why I would have to wait for the creditors response before the necessary blocking of these fraudulent accounts. NO company policy is above FEDERAL LAW. With that being said there should be NO comments on my consumer report saying that these fraudulent accounts are being disputed, especially since I, the consumer DID NOT request for these accounts to be disputed, and I have also provided everything needed, pursuant to 15 USC 1681c, for this fraudulent information to be blocked no later than 4 business days. Please also mail me confirmation of this block along with an updated consumer report showing this block. Along with this statement, I have attached both the identity theft report and proof of my identity. Failure to comply with the blocking of these fraudulent accounts makes you liable under section 1681n of title 15. 

The fraudulent accounts that need to be blocked are listed below. 

XXXX XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX US DEPT OF ED Account # : XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: PA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Ace cash express is claiming ( by e-mail ) that I requested a loan through them in California. I never did. I have not been to California in years. I do n't want to call them. But I want to see if anybody can go after them for lying and potentially stealing my identity. I have already placed a fraud alert on my account. Here 's the e-mail I am receiving : A cash payment of {$290.00} is due on XXXX/XXXX/2016. 
Visit ACE Cash Express at XXXX XXXX XXXX XXXX to repay your loan. 
If you have any questions please do n't hesitate to call us at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I saw on my Experian Credit Report back in early XX/XX/2021 that my mortgage company, XXXX XXXX, said that my mortgage was 30 days past due for the month of XX/XX/2021. I submitted a dispute to XXXX using their website complaint process on XX/XX/2021. I got an email response saying they need to further investigate the issue on XX/XX/2021. They have incorrectly reported to Experian that I was late 30 days on my mortgage payments for both the months of XXXX and XX/XX/2021. I had autopay turned on with their company on XX/XX/2021 after they became my new mortgage company so that this would not happen. When I called XXXX customer service they said they had no record of me being late and I was never charged a late fee, so I don't know why this information was relayed to Experian. My credit score has taken a drastic drop since these two errors occurred. I used to have a 780+ score and now it shows XXXX, which is very depressing to me as I have always been very careful with paying my bills and using credit responsibly. 

I have also disputed the error with Experian, who didn't change anything on my credit report to correct the errors. Worse yet, they say they are not required to look at the issue again unless I have new information because that is all the Fair Credit Reporting Act requires.

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 2022-04-13
Company: OneMain Finance Corporation
State: TX
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:
Was calling in and checking on a fraud claims and they keep transfer me to different departments and getting rude reps all young XXXX XXXX XXXX .. and refused to pull up my credit card account and check my claim and refused to give me a temporary credit and help me out with my account. The fraud department is a joke and keep giving me the run arounds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Experian Information Solutions Inc.
State: AR
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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX  XXXX {$110.00}

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 2021-07-30
Company: EQUIFAX, INC.
State: NV
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:
There are two accounts on my credit report that are not mine I have not accepted know what these are or where it came from. 

XXXX - Acct XXXX XXXX - Acct XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are two accounts on my credit report that are not mine I have not accepted know what these are or where it came from. 

XXXX - Acct XXXX XXXX - Acct 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 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have U.S. Bankruptcy Court XXXX UNAUTHORIZED which is not my file on my record. 

I have tried plenty of times to get this inaccurate account removed from bank report which other bureaus have remove except Tranunion

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 2017-01-04
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Reporting erroneously/ incorrectly/ inaccurately with Credit Reporting Agencies.

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 2023-02-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX//2023 using XXXX Banks app XXXX wire transferred {$5000.00}. In order to process this transaction I first had to call XXXX and request an Activation Code. In order to get an Activation Code I had to first answer a slew of security questions. Once approved I was given the code and completed my online transaction. Today I was notified by the bank that they cancelled my transaction for security reasons. I once again had to answer questions and once again passed their security procedures. They informed me I woukd hade to resubmit the wire transfer. When I tried I noticed Chase Bank did not return my money and wire transfer fees into my account. I called and was I formed they would not return my funds for up to three business days. It is unfair for them to hold my funds and prevent me from doing my business. Why do banks get to step in and stop a transaction and keep our money?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: NY
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:
There are accounts on my consumer report that are fraudulent. Any unathorized account is considered identity theft. Under the FCRA written by congress at the receipt of an identity theft report, which is attached, a consumer reporting agency has 4 business days to block these fraudulent accounts. I, XXXX XXXX did not receive and will not receive goods, services, nor money for this block. Neither was this request made by error nor is the identity theft report a misrepresentation of fact being that it is directly from the Federal Trade Commissions website, who by law is authorized to enforce compliance. Therefore there is nothing preventing the blocking of these fraudulent accounts as said so by congress under the FCRA. Failure to comply with the blocking of these fraudulent accounts makes you liable under section 1681n of title 15. 

Unless your consumer reporting agency is able to provide me, XXXX XXXX who is the consumer, a proof of validation of any of these alleged debts from the creditors within 4 business days, there should be NO reason why I would have to wait for the creditors response before the necessary blocking of these fraudulent accounts. NO company policy is above FEDERAL LAW. With that being said there should be NO comments on my consumer report saying that these fraudulent accounts are being disputed, especially since I, the consumer DID NOT request for these accounts to be disputed, and I have also provided everything needed, pursuant to 15 USC 1681c, for this fraudulent information to be blocked no later than 4 business days. Please also mail me confirmation of this block along with an updated consumer report showing this block. Along with this statement, I have attached both the identity theft report and proof of my identity. Failure to comply with the blocking of these fraudulent accounts makes you liable under section 1681n of title 15.

The fraudulent accounts that need to be blocked are listed below. 

XXXX XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX US DEPT OF ED Account # : XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am in bankruptcy since XX/XX/2015. I have been utilizing XXXX to monitor my credit and score since then. With this week 's XXXX update my scores ( transunion and XXXX ) were finally high enough to pursue a business opportunity. The company I was working with pulled a hard credit report through XXXX and much to my dismay one of my scores ( transunion ) was no where near what XXXX had reported, the second score ( XXXX ) was nearly the same and the third score was super low. All XXXX reporting various negative information post bankruptcy petition filing. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. XXXX ( transunion, XXXX, and XXXX ) had XXXX different accounts reporting both being included in bankruptcy and reporting late payments post petition filing. These reporting of late payments are illegal, as well as hitting my credit score two times each. Once for being in bankruptcy and another for being late thus killing my credit score.

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 2021-07-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows Credit Bureau to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from. I been sending dispute to Credit Bureau but they won't reply, they sent me response once by saying it has been verified. After that I mailed dispute two times, no response. Please proof of mail. 

1. The status is incorrect for the following account : account is open. Wrong balance is being report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 


Please remove correct this with all haste. Thank you for your attention. I apologize for being so angry.

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 2020-03-30
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I opened an account with Loan Care in XXXX of 2018. I wait for a welcome packet or something to state when my payment was due. I never received that payment date. When I called Loan Care they old me I " slipped through the cracks '' and they would send me a payment slip. It never came. 
I began making payments and called them because I was worried and they told me that it was too late and my payments were already late. I told them that was unfair but they said they couldn't do anything about it. 
I have made every payment on time since I attempted to correct this issue, but the continue to mark me 30 days late. 
I don't feel that I am at fault for " slipping through the cracks '' and every late payment should be removed.

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 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
This letter is about the following accounts : COLLECTION : # XXXX, which you claim, I owe XXXX {$3000.00} or my account was charged off {$3000.00} XXXX, This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 2016-10-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied online to open a bank account and I failed questions in public domain about things that have nothing to do with me. I called HSCB Bank and they did nothing to resolve the issue. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Aspen Yo LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was originally a XXXX -- it was sold to a Mortgage Servicer Gregory Funding last XXXX of XXXX. 
During this time the Mortgage was under a Forbearance due to COVID. 
In XXXX of XXXX I sent in a Modification Request -- after a series of back and forth where they asked for additional information ( which I supplied ) As of Today ( XX/XX/XXXX ) they have not responded with any answer on this Modification Request. 
What are my rights? 

Thanks so much for your assistance! XXXX XXXX Mortgage Information : Gregory Funding

Company response to consumer: Closed with explanation