BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Once my account were paid off, I was told my charge accounts would be deleted off my credit 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 2022-01-31
Company: EQUIFAX, INC.
State: AZ
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:
Un authorities inquiries will like them removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: CCF Intermediate Holdings LLC
State: MA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Speedy Cash from Texas Continuously contacts me about t debt owed by my brother, I have asked them to stop, and they just say, it was a number they were given, I did agree to pass on the message about the debt, and now I get text messages everyday about my brothers payment not going through, and the need to pay the bill. I have asked to opt out of the messages, and nothing has changed. It has been over a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The lien was removed and its still showing just for this agency. I am having trouble with them removing inaccurate information of my report even the ones I have advised do not belong to me they were removed from my other credit reports except this one. It seems I have to fight for them to remove things which isn't right. I disputed directly through their website and still no response

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 2022-12-29
Company: ACS Education Services
State: TX
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:
So ACS who is Now operating As Conduent, Has Been Updating my account Fraudently on a loan they no longer service. My loan has been brought out of default status. They can not reflect on my account negatively after default loan rehabilitation. Also They have all incorrect contact information on my credit report you are unable to contact this servicer. This Is Misleading. They don't have any valid contact information. I want to know who is updating my accounts negatively. XXXX point drop from their reporting. This account needs to be removed. 

Information on My report : ( Belongs To ACS Now Conduent ) Phone number doesnt work. No Notification of new contact information. https : //www.conduenteducation.comXXXX US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hello, I am writing because, I sent these companies letters for over 2 months disputing what they have on my credit report and the amount that some companies are saying I owe them and I still have not received any corrections to my account. They had a time to respond and they didn't and it should be removed. Also all 3 credit bureaus are not even reporting the same thing and is doing an injustice to me. please help me clear this up because what they are doing is unjust and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 ActXXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 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 explanation
Consumer complaint received 2019-07-24
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My attorney had assured me that the collection issue was handled, yet it continues to show up on my credit report. Each credit report thus far shows a different amount. I call to get an answer and they refuse to speak with me and said they would only speak with my lawyer. I cant afford to pay my lawyer anymore money when he told me it was handled. Im asking this permanently be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: RANGE CREDIT BUREAU INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Range Collections stated that I have a debt of {$1200.00} and it was first delinquent on XX/XX/XXXX. This is incorrect as I have never had a relationship or business with them nor have I ever heard of them in any form or way. I just saw it in my credit report in XXXX for the first time when I receive my credit. I was not in the US and had no credit, this is the first I ever got any credit or even a report so how could that have been me. My credit should be clear and clean as this is the first Im generating anything. I did file a dispute with XXXX but they are saying today XX/XX/XXXX the report is accurate and verified. How could it be when this is fraud and someone is using my information. 
I am requesting that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay. This is completely false and is fraud as this is not me. This is a violation of the FCRA & FDCPA therefore it must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). 
I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2023-05-12
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2019-01-22
Company: EQUIFAX, INC.
State: CA
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:
Equifax failed to open a dispute and subsequently investigate an erroneous debt collection for which I was denied credit including a mortgage. Equifax 's website is insanely difficult to use : there's no place to request a FREE credit report within 60d of being denied credit based on reporting agencies. When I tried to order one as the free annual one, Equifax claims that it can not verify my identity. Then Equifax emails that my order is ready for review, provides an ID # and a username and a DEAD link that does not go to a site so that I can enter the provided ID # and username. I hold a XXXX  in  XXXX, a XXXX  and XXXX  in XXXX but I can't navigate Equifax 's website! 

When I tried to dispute the debt again, Equifax then asks a series of questions -- NONE OF WHICH APPLY to me so when I accurately answered as such, Equifax once again said my answers do not match its records so use XXXX to request my report. 
The problem is when you click on XXXX it takes you right back to its website where it wants you to PAY for the credit report. 

All the other reporting agencies, XXXX  and XXXX have investigated ( apparently ) and removed the debt collection from my report -- the ONLY derogatory item on my credit report. With Equifax, I can't even order my credit report or submit a dispute. Not even by phone -- the phone tree dead ends so you can't talk to anyone. It just disconnects. 

Equifax 's failure to investigate dispute and non-compliance w/ state and fed law by providing a free report if denied credit w/in the past 60d has directly resulted in my being denied credit card accounts and a mortgage!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have gone through my annual check at my XXXX  XXXX. They had a tie up with XXXX  XXXX. I have paid my co-pay amount at the time of payment. 

All of a sudden, XXXX XXXX start following up for the {$21.00}. I have been unnecessary follow up to pay this amount and literary harnessed by XXXX & now Credit Control , LLC. 

These agencies are giving threat of reporting to my credit and spoil my credit records. 
It`s stressful situation for me. 

These companies are behaving like they have no control and keep harassing clients without evaluating situations.

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 2023-07-21
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, {$1000.00} was transferred from my Chime account $ XXXX to the Chime account $ XXXX without my authorization , via the pay anyone feature. I filed a dispute with Chime over the stolen funds and the claim was initially denied. I filed a police report, an FBI report, and a XXXX complaint, and Chime re-opened the dispute. I want the funds transferred back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: GA
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 have been sending letters since XXXX of 2020 to all three bureaus. These letters included proof that it was me who sent them, it included disputes I had for items i did not recognize or felt were not reporting accurately. I know from research that the Bureaus have 30 days to investigate then 15 days to respond, I have given plenty of time and chances for them to respond but they have not been providing me with responses. I have seen very minimal changes, if that and I am very disappointed that I have to pay for an online monitoring service to see if they have even made changes because they have failed to send me even a letter requesting more time or confirmation that received my letters. I even paid extra to send some of the letters certified because I wanted to ensure they were receiving them.

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 2023-06-05
Company: EQUIFAX, INC.
State: MD
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:
My account should not show any late payments because I have always paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: VA
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX  XXXX Balance : {$0.00} 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 explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX TX XXXX. Please update my name to : XXXX XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-07-21
Company: McCalla Raymer Leibert Pierce, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have proof that the servicer committed forgery and signed without proper power of attorney, stole my identity and faked an address to file a real estate transfer tax document stating I was the seller receiving {$470000.00} in consideration for a transaction that was presented as a foreclosure auction but appears to be staged to commit tax evasion. 

This appears to be an attempt to pass the tax gain off to file a requisite 1099a form by this debt collector and foreclosing law firms engagement and activities in the recording of documents and material nondisclosure. 

A rescission under TILA was completed on XX/XX/2022 and the lender/servicer was supposed to return the proceeds in 20 days pursuant to the law and this was not done. These entities proceeded to move forward with a nonjudicial foreclosure by signing as Attorney in Fact without authority and with several notices. 

Fraud reports were filed with XXXX and the XXXX XXXX Sheriff Department but the entities continued with the foreclosure auction. The foreclosure was recorded under a Deed under Power signed after a Special Warranty Deed was signed as further evidence of the gross negligence of the transaction. It is believed that the real estate transfer tax document that is filed as XXXX XXXX XXXX was and is being used to conduct a disguised sale and constructive liquidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo placed a hold of over a week on deposited funds from a business check. They said the hold is due to the check writer 's signature line. The first person I talked with said it was due to my signature and that the first letter of my last name was separate from the rest of my name. She was then rude and told me since I was on the phone there was no way she could verify it was really me and told me no one could help me out. I asked to talk with her manager. He told me he was a customer advocate, so not her manager. He investigated the signature line and said there was nothing wrong with my signature but that it was due to the signature of the check writer and the lack of a business name on the check. He then transferred me to a Wells Fargo Executive after I insisted on speaking to someone who could help me out. He tried saying my time was valuable and he did not want to waste my time, trying to avoid transferring me. XXXX, the executive spoke with me and connected me to a department that was supposed to help release the hold. XXXX in that department told me that they needed a notarized letter from the company to prove that they wrote the check and signed the check to me. My account is now overdrafting due to the hold on the deposit to my account and I am unable to provide needed items for my family.

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