BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-03
Company: MIDFIRST BANK
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
This account does not belong to me. This account belonged to my Ex-Wife. I never had an account with you. Please remove this account from my credit report. I have disputed this account many times with Midland Mortgage and the Credit Agencies. I need your assistance in getting this account removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Experian Information Solutions Inc.
State: MS
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:
In XXXX, I noticed my credit score took a plunge. I reviewed my reports and XXXX XXXX reported a missed payment for the month of XXXX. When the account was closed out in the month of XXXX. 
I disputed the information in XXXX. The credit bureaus did not offer any assistance in the matter. After I provided evidence, I have not ever been late and I paid the account out. 
Today, XX/XX/2021 they are asking me to resubmit another dispute for their discrepancies. I have called XXXX and they are telling me they see the account in good standing as well. 
This is false information being reported on my credit report which is hindering me and penalizing me due to no fault of my own.

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 2021-10-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
As a loyal customer of HSBC XXXX XXXX, I opened my Premier checking account through the XXXX department in XX/XX/XXXX. So far, there were no more than 10 transactions. As I am not a XXXX XXXX, as a XXXX, I have always been very careful about using it, but nightmares still happened. My account was closed on XX/XX/XXXX. 

One week before closing the account, I completed a Bank to Bank transfer from my XXXX to HSBC. There is also a wire transfer payment to XXXX XXXX XXXX. 

The reason why I transferred from XXXX to HSBC before sending money out, because I am a Premier customer of HSBC and I was told that there is no charge for Wire, and the global transfer is also more advantageous. So the remaining transactions are related to HSBC accounts in other countries under my name. 

I clarify that all my sources of funds are savings and income under my name, and there is no behavior that does not comply with the rules of the deposit agreement. 

In XX/XX/XXXX, due to the recurrence of the epidemic, the continuous isolation of entry and exit during the travel period led to the termination of the XXXX case. I admit this is a misunderstanding because I can not go to the branch in person Someone told me that I forgot to sign an important agreement when I opened my account in XXXX last year. I didnt know it. The relationship manager of the branch didnt inform me. Later, due to our language communication difficulties, we requested to change the XXXX lady. My colleagues on the Premier hotline did not mention it, nor did the online banks message center. 

In XXXX and XX/XX/XXXX, the inconclusive review led me to repeat the application for a savings account twice. No one has been paying attention to the outcome of the case, and no one has told me why. Did I get rejected? I am helplessful about it. 

Because the notification is not in place, I can not predict the result of the application, let me repeat the inquiry. 

Finally, I asked the senior customer relations officer to respond to my complaint, because I am outside the United States, I can let HSBC relationship managers in other countries continue to follow up my case. 

As an important customer of HSBC XXXX, I can not decide to close my US account without any warning or notice. This is extremely unfair to loyal customers. 

Many of my friendly friends work for HSBC. I understand your review team, but it must be fair, otherwise I will continue to be fair through the power of the media. I have contacted many times to no avail. I need to upgrade my case to the Director of XXXX XXXX XXXX. You can record my conversation. I love HSBC. This is the bank of my life. I also actively promote HSBC 's business on XXXX social media. Get wider recognition, if you want to know the details, I look forward to presenting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: SinglePoint GI
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX  Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Express Aviation
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I was a student at XXXX XXXX when it closed without notice. Now AsFg is threatening me altonapy back loans. When I started I was told I needed these loans to cover the cost and then found out during this process that this was not true. I had enough federal funds to cover and then some. They used unlawful tactics to gain access to this money on which I now am being harassed to pay back. The business practices of XXXX XXXX were unprofessional, unethical and sad to say the least. But now we are talking about straight thief and scamming. I do n't feel that I should suffer with debt that was unlawfully gain with lies and deception. I as a student did what I was ask and was honest. I believed tihe lies and trusted that XXXX XXXX stood on integrity. But I know see that the dishonest acts have left me accountable for the actions of this company. I would like this to be filed as a formal complaint and have this invested for full discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I submitted a validation request to the credit bureau and it was not corrected. The company did not get back with the bureau however the loan somehow stayed on my report. This Bank has XXXX different accounts and unwilling to verify and validate the requested information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
Company: Experian Information Solutions 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:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX/XXXX  XXXX XXXX, XXXX XXXX, 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 2021-08-12
Company: Alliance Recovery Group
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2021 : I was contacted by a " private number '' and did not answer. When I retrieved the voice mail they left it stated it was from a firm attempting to file a case against me in my county regarding a " dispute over a broken contract ''. I called back the number left by the caller and an XXXX XXXX answered. I asked what this was in regard to and again got a very vague response regarding a broken contract dispute. I was only given the information about said dispute after providing the last 4 of my social. She stated it was due to a payday loan with XXXX XXXX XXXX. I have been the victim identity theft in the past and am therefore very careful about calls such as this. I asked the name of the company and was given Alliance. I asked for written proof of the contract that was said to have been broken or of the loan itself and was told that since this is not a " collection activity '' that does not have to be provided. This is against the Fair Debt Collection Practices Act. They also threatened to contact my employer and family, send their " compliance officer '' to locate me at " every possible location '', and ruin my credit. 

XX/XX/2021 : Received an almost identical voice mail from another private number, this time the caller identified themselves as XXXX XXXX. Did not call back.

Company response to consumer: Untimely response
Consumer complaint received 2016-05-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
All XXXX credit bureaus have extremely different and inaccurate information contained within my credit report. These include accounts that are n't even mine, accounts that have never been late and still open reported as collections and closed, items not reported accurately and some accounts open and in good standing not reported at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

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 2016-05-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been the victim of identity theft. Someone has gone to multiple departments to open up lines of credit. These stores include : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX as the so far listed names. As I did further investigation, I also have suspicious detailing of someone pulling up my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The collection files are third party accounts that are from Fraudulent creditors ( XXXX # XXXX & XXXX ). The account was removed for fraud in XX/XX/2014 I do n't know how the accounts was resubmitted to my report. The accounts should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is XXXX State of Ohio tax lien still showing on my report that were withdrawn XX/XX/2017. On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the Ohio State release forms ( which I will also attach here for you ). I have also verified and sent this to the other credit bureaus XXXX and XXXX and they have removed the lien from my credit report immediately. Equifax continues to improperly report the lien and refuses to recognize the withdrawal and removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bureaus are not reporting factual accurate information. Information across all bureaus is inaccurate and different. Some bureaus are reporting some accounts open, while the other bureaus report no information. Charge off with balances attached. Inaccurate balance. No proof or shown of validation of the debt.

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 2021-08-12
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian hasn't been reporting accurately to my various accounts, there for adversely affecting 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 2016-07-20
Company: General Motors Financial Company, Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
GM Financial did not put the correct information on the credit report. The credit bureaus are reporting that I did not pay what was told in full through explanation not the amount total. Even though, the amount total was XXXX balance, the explanation was damaging. GM Financial stated, " I did not pay in full and I was 120 days with the four payments. '' This was not true. When I found out that I owed this payment out of 2 years, I agreed to pay XXXX which was a settlement plus 80 payments which was all the payments owed. Somehow, this remaining balance came from change deferred payment which I was not aware of. The statement GM Financial reported to the bureaus brought my credit score down XXXX-XXXX points. Like the payment stood for nothing. I paid XXXX dollars and I request for fairness. I paid what was requested of me. They agreed to XXXX leaving XXXX % balance. Even though, I struggle to pay most of the balance at XXXX a month, I was not late with one payment. They left with the explanation that hurt my credit. I want respect for what I paid and I want my credit for my payment. I made it extremely clear I was paying this type of balance because of my credit. I paid what they requested on time for 6 months. I do n't deserve negative comments to ruin my credit. I went through threats and strangers calling my phone about a balance I did not know I owed. When it came to collecting the balance, I gave no negative comments or refused to settle, I just paid. Please, be fair to what I paid and how I paid. I was not 120 days late during these payments. Please, correct this statement and be fair to the agreement. I paid what was requested on time I was not 120 days late. A company should not have the right to have so much power to ruin your credit. So, I am requesting for fairness toward what I paid on time. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
my money amounting to XXXX XXXX was lost at my paypal account XXXX. 
my account was hold for 180 days. before 180 days my money was no longer available when i checked

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Brock & Scott, PLLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX I got an initial communication letter from a foreclosure attorney by the name of Brock and Scott stating that i owned XXXX and had XXXX days to dispute debt About XXXX XXXX days letter I received a Notice of Acceleration Letter stating that Brock and Scott was advertising my property for a non judicial foreclosure sale on XX/XX/XXXX less then 30 days and less then XXXX consecutive weeks from the foreclosure date NOT TO MENTION, I DID NOT GET THE OPPORTUNITY TO ASK FOR VALIDATION PRIOR TO THE ADVANCEMENT OF COLLECTIONS. They have violated the non-judicial Georgia Foreclosure laws and Federal Laws and I dispute the debt I also attached an email from a Bank of New York XXXX representative stating that her form XXXX does not own the loan or the property. So how is Brock and Scott advertising that the XXXX owns the loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX I am contacting you because I received notice that the accounts that I have previously disputed have been verified. I am confused by this matter because these alleged accounts had and continue to have so many inconsistencies and inaccuracies. Please see the screenshots that I have attached that show such blatant inaccuracies. I do not know which of the bureaus are reporting the correct information, but each of you told me that the information has been verified. 
Under the FCRA any and all information that is being reported to my credit report must be 100 % verifiable and accurate. So now I am asking that your company provides me in detail the steps that were taken to investigate these alleged accounts. Pursuant to 15 USC 1681i, I am granted the right to ask for this information from your company, and your company must comply with my request within 15 days of receiving this letter. If you are unable to provide me with such information I kindly ask that you delete these accounts from my credit report, and provide me with an updated copy of my credit report which reflects these changes. 
DEPTEDXXXX ( Duplicate Account ) XXXX List Inquiries XXXX  - XXXX  XXXX  Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX-XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry :XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX- XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX I look forward to your companys prompt response concerning this matter, and thank you in advance for protecting my rights as a consumer under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX XXXX network sent me a notice of a refund being placed back in my account that may take up to 2 business cycles to complete. Knowing the issues Ive already had with Navy federal when it comes to refunds I made sure to constantly  check my balance looking for that refund of {$59.00}. From XX/XX/XXXX til XX/XX/XXXX and in this time there was no credit placed in my account. So today XX/XX/XXXX I decided to check my account one more time to see where my balance was at and when I scrolled down the first thing I see is a false credit of XXXX dated XX/XX/XXXX which was a Monday Navy federal never process anything on Mondays because the bank closes for weekends. I did not get my refund and when I called the bank I was met with lies which made me very angry. This is the 3rd time this has happened in regards to getting a refund placed back into my account and I cant take it anymore its wrong and a lie nothing close to reality I want my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My home went into foreclosure in XXXX of 2009 and both the mortgage holder and the XXXX ( XXXX ) signed off on the agreement. XXXX used XXXX XXXX XXXX as their servicing agent. A copy of the agreement is attached. I have made many attempts, but Equifax refuses to remove the XXXX debt listing from my credit report, thereby preventing me from obtaining a favorable interest rate on a home loan I am trying to obtain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: DE
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: Was not notified of investigation status or results

Complaint:
Account appeared on credit file and I'm not the owner. Original creditor will not reply to my request to provide proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My credit card at Santander Bank was used by someone in Florida who I do not know from XXXX/XXXX/15 to XXXX/XXXX/15 in the tune of {$11000.00} and paid {$9000.00} of that balance. I made a police report and contacted the bank immediately. But the bank keeps sending me to various branches to confirm my identity and nothing else. I have not received or heard anything from the bank up to now. At one of the branches, a representative told me to apply for a new credit card, which was strange since he seemed not to know what to do. He was confused as to why they would send me to a branch bank for a fraud case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation