BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: GA
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: GA
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09
Company: National Processing Group LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a threatening phone call on XXXX XXXX, 2016 at XXXX from a voice recording message saying- if you do n't answer the phone or return our phone call legal actions will be taken against you immediately including your personal resident where you reside and your vehicle. If a payment is not give before XXXX today you will be arrested by your local authority. I asked who am I speaking to the representative ( XXXX XXXX ) insisted on saying NP group several times after I kept asking what does NP stand for. I had to google it just to see what NP stands from. I 'm not sure what kind of debt it is but it 's very scary to receive a call like that and all they want me to do was verify the last XXXX of my social and I did n't provide that information. Once I disconnect the phone he repeatedly called over and over until I blocked the number. XXXX called and left several threatening messages saying. You will be in jail by XXXX unless you answer my calls today. At one point I asked him where is your company located he stated-I ca n't give the information to you unless you give me your last XXXX digits of your social.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to express my continued concern regarding the issue related to my credit report. As of the date of this letter, I have not received any response from Experian, XXXX, Experian the consumer reporting agencies in question, in reference to my initial complaint. 

In my original complaint, I detailed my deep concern and dissatisfaction with Experian 's, XXXX and XXXX reporting of my transaction history, including late or missed payments, which I firmly believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. 

I have attached a copy of my original complaint for reference. 


To summarize, the FCRA defines a " consumer report '' and explicitly excludes reports containing information solely about transactions or experiences between the consumer and the institution making the report. By reporting late or missed payments and credit utilization on my consumer credit report for my consumer credit plans, Experian has violated my rights under the FCRA and my rights under the Privacy Act of 1974. 

I kindly request your assistance in addressing this matter promptly. I believe that accurate and fair reporting of consumer information is essential, and I am seeking a resolution to this issue in accordance with the law. 

I request that the Consumer Financial Protection Bureau takes appropriate action to ensure Experian, Experian and XXXX complies with the FCRA and corrects this error immediately, reflecting 0 % credit utilization, and ensuring that the payments on any and all of my accounts only show on-time payments on a consumer credit report for my consumer credit plans. 

I appreciate your attention to this complaint, and I look forward to your assistance in resolving this matter. 

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 2023-08-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: OneMain Finance Corporation
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
One Main Financial has repeatedly called me several times a day. Sometimes more than 7 times in a week. It is harassment how much they have called me. 

They even call from different numbers ( on the Same Day ) and leave multiple voice-mail messages. 
I had already made the rest of this month 's payment yesterday, and one of their debt collectors still called me that same day. I have proof of all of this. 

They've even started to call my home phone throughout the day several times. 
I can't afford the whole payment at one time, so I have to spilt the monthly payment amount in two, which I have done every single month. 

I've attempted to make arrangements with them previously and they put me on a program that appeared to helped me make lower payments at first, but it actually caused me to have to pay more for the loan over time. 

That was not clearly explained to me when I first signed up for the program. It wasn't until I tried to renew my eligibility months later, that one of their representatives told me that it was a horrible program that they trick people into. 
This representative told me that spilting the payment up in 2 parts every month was better as my whole bill would be paid that month, plus I would not he paying extra in intrest. 

I'm not in the best financial position right now, but One Main Financial ALWAYS gets paid the full payment every single month, yet they continue to harass me by calling me incessantly. 

This company has extremely unethical business practices and I'm considering suing them if they do not stop these harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently received a notice from my mortgage loan servicer Carrington Mortgage Services indicating the only way to make my mortgage payment without paying a payment fee is to sign up for automatic payments. If consumers fail to sign up for automatic payments they will be charged up to 20USD to use any other payment methods ( I.e. Online, pay by phone, customer service representative ). This does not appear to be legal and I would like to understand if this is required. It appears to be required for all consumers no matter their account standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: Lending Solutions Mortgage/ LSI Mortgage
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
On Monday XX/XX/XXXX at XXXX my husband and I signed refinance papers at our home. The attorney who came to our home left without leaving any copies of any signed documents. He did not leave any way to contact him. Further, he had a strong odor of XXXX on his breath. There many things we were uncomfortable with the way things happened. On Thursday XX/XX/XXXX I emailed the lender and told him we did not have any right of rescission document and wished to have one, but regardless we advised him that we wanted to exercise our rights and not go through with the loan. Later the same day I followed up with another email to confirm to him we wanted to exercise our rights. 
On XX/XX/XXXX I received a phone call from an individual who said they represented the closing attorney and was advised they had neglected having us sign a document and they would send an attorney to me to get it signed. At that time I told them we had exercised our rights not to go through with the loan. 
By this time I had already started a loan process with a different lender. 
On XX/XX/XXXX I received notice that my automatic payment to Bank of America, my current lender, had been discontinued indicating that funds had been dispersed. Upon arriving home I found that a certified check for the difference between what we owed to Bank of America and what the lender who had been notified we did not want to proceed. Even this check is not what we had expected had we gone through with the loan.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-15
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I wrote to bank to ask if an old account was still open. Bank will not respond.

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy. 

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IQ Data International, INC Account : XXXX I never had any contracts, businesses or anything to do with this company, They claim that I owe them {$9800.00} and that they validated the account which is 100 % a BIG lie. Show me that I had a legal contract with YOUR company otherwise by law you have to delete this from my credit report. I know that you can't prove it because you know very well that I've never had an account or any legal contracts with you. Therefore you have 20 days to delete this from my credit reports that you ILLEGALLY and without my consent had reported to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-14
Company: Rubin & Debski, P.A.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a subpoena case number : XXXX stating the plaintiff as XXXX XXXX, however the document also states that it 's from a debt collector. I contacted XXXX XXXX with my soc sec # and there is nothing in there records since I do not have any type of accounts with them. I pulled my credit history and XXXX reported me delinquent on some unknown balance. ( The amounts were close so I assumed that XXXX sold the debt to XXXX XXXX ). Either case I have never received warnings either from XXXX or XXXX XXXX. How do I go about this? It is obviously illegal since I do not owe XXXX or XXXX XXXX. This debt collector is false representing XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received a loan in the amount of XXXX. I was told that the pay off would be XXXX. Now Im told that my monthly payments of XXXX was just to keep the loan open and none will apply to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I used to have an account in the Bank of America. On XX/XX/XXXX, they did not get my permission to close all my accounts. I did not do anything wrong but just two months ago I was a victim of a financial fraud. But I reported this fraud as soon as possible and I did not have any loss on this fraud. But after two months, they closed my accounts without any warnings and refused to give me my money. I 'm just a student but I only have accounts in this bank, which means that I only have bank cards for this bank. I told me that I need my money right away because I need money to live and pay rents, insurance and other expenses. They ignored my requests. On XX/XX/XXXX, I called the customer service and I need the money right away and I can go get the money in person in the bank. On XX/XX/XXXX, I went to the bank and they told me they can not give me my money because they need to verify my account. I need to come back on next Monday ( which is XX/XX/XXXX ) to get the money. But on XX/XX/XXXX, I called the customer service, they just told me they can not give my money right away because they have already mailed the checks to me on XX/XX/XXXX. But I verified with the bank on XX/XX/XXXX and they told me they have not process my check yet. Why on XX/XX/XXXX they just told me they have already mailed the check on XX/XX/XXXX? And when I asked for the tracking number for my mailed check, they told me they did not have that and just ended the call! How can they be so rude when they did wrong and made me suffer the loss! Why did they give me any warning before that so I can have some preparation for that? Right now, I do not have any money with me to pay for the rent, insurance and other expenses just because of the bank of America! Also, the customer service did not answer my questions well and ended my call without helping me! As a student, I can do nothing but to ask for help from you! Please let me know what should I do to avoid suffer more loss or I just starve to death?

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 2015-11-06
Company: COLLECTIONS UNLIMITED OF TEXAS INC
State: TX
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 went to a dentist XXXX for a estimate to have my XXXX replaced that were missing XXXX. They realized it was XXXX and said that if I fix my teeth with them they would collect it from the insurance through subrogation. They never discussed ANY cost for anything nor did we discuss a cost for initial consultation. They gave me a price and I left ... I continued to get estimates and had another dentist quote a lower amount. They were also closer to our home. I chose them to do a XXXX missing in a accident. A month later they billed me XXXX. We discussed it and they said it was a misunderstanding bur still expected me to pay it. I said no ... I never agreed to it. They turned it over to a collection agency as a debt for my daughter ( yes for my daughter ) in my wife and my name to a collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 submitted multiple disputes to transunion. They took 45-60 days each time I sent them a dispute. I disputed the following accounts. 
XXXX  XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these items were disputed multiple times. Each time transunion took over 30 days to actually investigate it and violate consumer protection laws. 
The company can not actually verify any account as I have never signed digitally or manually any documents with these companies as well as have not authorized any of these companies to report to my credit. I have submitted requests on XX/XX/23 XX/XX/23 XX/XX/23 All my attempts to actually have them remove due to violating multiple laws have gone unchanged.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
IM INTERESTED IN DISPUTING ALL INVALID DATA THAT IS HINDERING MY FILE FROM BEING 100 ACCURATE. PLEASE REVIEW AND DELETED ALL DATA SUBMITTED ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief