BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-01
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harris and Harris Limited calls me each and every day about 7 times a day.
They have at least 20+ different phone numbers and keep adding more constantly.
I have saved some of them and can provide records.
False names are being using to get past my caller ID. This is a big issue is they come up with fake names always different each day new numbers. They show up such as " travel rewards '' or something else.
I have my phone set up to ignore callers without names and/or numbers in the caller ID.
As a result they create fake names and call me with those. They only leave recorded messages and no details.
I have told them many times to please put all the details in writing and mail them to my home address but they do not. It is a never ending cycle for over 2 years everyday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: GA
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'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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-11-09
Company: EQUIFAX, INC.
State: LA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX {$4100.00} XXXX left them multiple emails regarding this situation and I had someone throw paint on my door. Someone destroyed my apartment and claimed I did it just like my neighbor next door got into an argument with me and the paint on my door and they did nothing. I had to pay for a hotel because I didn't feel safe. i'll came to the front office and they aren't there or it's closed early or they don't answer their phone I leave messages I leave emails at this point there is nothing else for me that I can do they refuse to return any of my phone calls or respond to any of my emails in regards to XXXX issues that I have in regards to this apartment since I've been there I've had XXXX XXXX XXXX  XXXX from this carpet that it took them a month of me contacting and begging them to clean and i eventually ended up in the hospital I now had birds in the walls of my apartment and I've looked outside on the side of the house and there are holes that they have constantly made a noise pecking at to get into the building and now they are living in the walls I started getting pest issues from all the trash that is constantly left around the entire neighborhood I now have pictures of proof of everything from the dirty hallways the overflowing trash the dirty disgusting breezeways the amount of times that I've tried to contact them with no luck and on three different occasions now there have been gunshots near my apartment in my home and my safety is now questionable I also have recordings of one of the shooting incidents they are refusing to do anything the gate has been broken for almost 6 months now and no one is caring about the safety of the people that live here and I am expected to give rent when I do not feel safe living here i ended up losing my job due to me being XXXX XXXX XXXXXXXX XXXX  This was a very toxic living situation. I can not pay

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, 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:
The accounts listed are not related to any transactions done by myself. I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy/fraudulent accounts listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, 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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
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: Credit inquiries on your report that you don't recognize

Complaint:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX inquired on XXXX XXXX, XXXX ; XXXX, XXXX inquired for something on XXXX XXXX, XXXX ; XXXX XXXX XXXX inquired for something on XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX inquired on XX/XX/XXXX. 


The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my report XXXX XXXX ; and I noticed quite a few inquiries that I did not give written instruction/consent to. These inquiries are an invasion of my privacy 1. ) they have harmed my reputation ; I keep getting denied for having inquiries 2. ) I am emotionally harmed and will not extend credit or apply to anymore financial intuitions, 3. ) I have not been able to physically get a job Provide me with permissible purpose including my written instructions, the recipient source and the purpose ( credit, insurance or employment ) list inquiry or inquiries

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 2023-08-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Filed a FTC report and reached out to the reporting agencies for validation of debt shown on report in XXXX. I asked if validation could not be provided to please remove from report. I have not heard anything back. I do not recognize this debt and it is reporting as a charge off which is unlawful. The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ). If your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. Also 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. I did not receive anything which is a violation. 

As defined by the IRS, even if you didnt receive a Form 1099-C, youMUSTreport Canceled Debt asGross Incomeon your tax return, according to the IRS. For an account to be Charged Off, the debt had to have been Canceled. Canceled Debt must be reported as Gross Income on a tax return. Its illegal to report Income to my consumer report.

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 2020-10-01
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2020, I called Shellpoint and went online to request a COVID 19 temporary forebearance since I can not afford my mortgage. It is know XX/XX/2020 and I have received no information except for a MORTGAGE STATEMENT showing I am now past due 2 payments. 

I have nothing online nor in the mail acknowleding my request. I have done this twice and have gotten nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: NY
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:
Experian refused to remove an account that is not mine. 

I have despites 3 times already with supporting grantor documents of account in dispute

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 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
RE : ( File number XXXX ) Transunion has sent me a updated report on XXXX XXXX XXXX account number XXXX on XX/XX/XXXX and received on XX/XX/XXXX that is still showing incorrect, the initial complaint was that the date shows open on this account was XX/XX/XXXX and closed on XX/XX/XXXX but reported as ok on XX/XX/XXXX and again on XX/XX/XXXX and 30 days late on XX/XX/XXXX and to collection on XX/XX/XXXX, how can the date show closed on XX/XX/XXXX but ok on XX/XX/XXXX and XX/XX/XXXX? these inconsistency dates. and this has now become my third time disputing this same situation with Transunion, I've downloaded Transunion Updated Results through the CFPB portal.

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 2022-08-18
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
At XXXX XXXX on XX/XX/22 I received an email saying my account was overdrawn. At XXXX XXXX on XX/XX/22 I got a second email about a second charge that caused an overdraft. At XXXX XXXX I got another email stating I now was being charged {$36.00} twice for over draft fees. It hadn't even been 24 hours since I received the first email about the first overdrawn charge. Their policy is 25 hours. They claim its not their problem that the emails were sent later than they should have been, and refuse to remove the fees so I can get my account out of the negative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/17 my Sister went to the doctor, my Sister was married at the time and of age she owes ( {$1200.00} ), the item that is on my credit report is from her going to XXXX XXXX XXXX in XXXX  -but somehow this is on my credit report I have disputed this with all 3 credit bureaus and called and spoke with the collection agency, Saying this isn't my responsibility, the Collection agency still refused to take these false charges off of my credit report Saying I am liable for the charges? ( fast forward a couple months ) I've reached out to them again with the same response they refuse to take these false items off of my reports. PHOENIX FINANCIAL SERVICES LLC is falsely and fraudulently putting these on my credit report and they have the same collection on my credit report multiple times as well. Company 's that are allowed to willingly do this to American citizens is a shame and shouldn't be allowed, this has stopped me from being able to purchase a house because I am being extorted for something I AM NOT FINANCIALLY RESPONSIBLE FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: SYNCHRONY FINANCIAL
State: PA
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:
- synchrony/XXXX XXXX charged off my account despite establishing payment arrangement and maintaining timely payments.

-synchrony/XXXX XXXX failed to report those payments directly debited from my bank account.

-synchrony/XXXX XXXX continuously withdrew monies from my account after charging off and selling my account to debt collector.

- They also pulled my credit for review in XX/XX/2018 after account was charged off.

-I filed dispute in XX/XX/XXXXwith XXXX  and XXXX in regards to matter. account was deemed verified and accurate.

-I attached proof of bank statement. 
- This has had a significant negative impact on my credit.

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 2023-06-28
Company: EQUIFAX, INC.
State: PA
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 was a victim of identity fraud. Equifax verified the account as accurate without providing proof that the account is mine. There is a difference between an open account and the account being mine. Where is my signature on any documents, payment history from my bank account, original application with my signature? I have provided the identity theft report, copy of a certified letter I sent to the debt collector, police report #, postal report # Once I made the credit reporting company aware of the fact it was identity fraud it should have been removed accordingly to the FCRA 605 B. I have provided all the information this is a violation of law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: VYSTAR CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I set up auto pay in XXXX, but the billing did not occur until XXXX and another payment was submitted in XXXX. The payment for XXXX was never actually submitted at the time of my auto payment subscription. I spoke with the bank ( Vystar credit union ) and paid my XXXX bill. They refunded me the late charges and said to submit a dispute here to get it off my credit.

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 2022-08-18
Company: National Credit Adjusters, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2021 {$470.00} I DO NOT AND DID NOT CONSENT TO YOU TO PLACE THIS ON MY CONSUMER REPORT THIS NOTICE IS TO CEASE AND DESIST ALL ILLEGAL ACTIVITIES WHICH INCLUDES REPORTING CONSTITUTEs COLLECTION ACTIVITIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-08-05
Company: Experian Information Solutions Inc.
State: SC
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 submitted complaints with each credit reporting agencies about these issues and asked for removal of the inaccuracies. I started with the agencies first then came here and added complaints. And still inaccuracies remain including not reporting at all to one bureau in which a representative let me know they do not report to all bureaus. below I have all a XXXX XXXX report that shows all the inaccuracies on my consumer report still not corrected and adding detriment to my file by putting collections on my repeort which is consumer experience and shouldn't be on file anyway per my first complaint 15 usc 1681c. section 604 a 5 section 2XXXX referenced in complaint XXXX XXXX experian

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