BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: MO
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 a letter to XXXX and Equifax on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I noticed a debt from CCS Collections on XX/XX/2023 stating that I had a debt that they are collecting on I asked CCS Collections do they have a purchase agreement from the original creditors XXXX XXXX  to legally collect on the debt and place it on my credit report according to the Fair Credit Reporting Act. They told me they dont have a legal agreement to collect on the debt and that they are affiliated with XXXX XXXX to collect on the the Debt and would need to contact them too. I also contacted XXXXXXXX XXXX  on XX/XX/2023 and they also told me they dont have an agreement with CCS collections to collect on the debt and they are not affiliated with the company and they charged off the debt without proper documentation agreement in place. I called CCS Collections back and spoke to a manager and she said they are indeed representing the client XXXX XXXX and they dont have a purchase agreement to collect and without documentation they have the legal right to collect on the debt. I told they Im denying the debt without proper documentation to collect on this debt legally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: Experian Information Solutions 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:
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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 vears.

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. XXXX 's accounts XXXX charge of

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 2019-11-25
Company: NPAS, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received service at the XXXX XXXX XXXX in XXXX, VA in XX/XX/2018. 
I was billed wrongly but after disputing the initial bill, XXXX XXXX XXXX adjusted the cost and sent a new bill. 
My insurance company paid their portion and I received my EOB ( Explanation of Benefits ) from my insurance Company that I owe XXXX XXXX XXXX {$510.00}. 
I sent a check to XXXX XXXX XXXX in the full amount of {$510.00}. 

I started getting calls from XXXX XXXX XXXX that I still owe an additional {$80.00}. 
I called my insurance company ( XXXX ) and they had me on the line and called XXXX XXXX XXXX to let them know how much I was to pay them. 
XXXX XXXX XXXX asked my insurance company to fax my EOB which they did. 
Few weeks later, XXXX XXXX XXXX called again to say I still owed them money. I disputed it and they asked me to fax them another copy of my EOB which I did. 
Months later, and subsequently afterwards, I kept getting calls from NPAS on behalf of XXXX XXXX XXXX saying that I owed them money. 

I have since faxed another copy of my EOB and mailed another to their P.O. Box but the calls woud n't stop. 

This is my complaint of harassment by the 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 2021-05-27
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
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. Office of attorney general 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a text message at XXXX XXXX on XX/XX/22 stating this, Congratulations, your Bank of America credit request was approved. Welcome package and card ( s ) will arrive within 14 days. Reply HELP for help or STOP to stop. I checked my XXXX credit and found that a card had been opened in my name that I didnt apply for. I called Bank of America and got the account closed.

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 2022-12-28
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Its clear to me after not being approved by CITI several times, that for some reason, they are blocking me. And that is discrimination. 

My XXXX XXXXXXXX AAdvantage  card in XXXX was a noteworthy account then changed to Platinum Select Card.XXXX XXXX, it continued to be noteworthy. In XX/XX/XXXX, I paid my {$99.00} membership from the bill I received from CITI. But something happened with the account on XXXX XX/XX/XXXX, when I paid my annual membership fee of {$99.00}. There was a credit balance XXXX {$99.00}. On XXXX XXXX, I received a {$99.00} refund check. But the account should not have been closed. 

Request you review my account and see what negative comment is listed that is causing these problems. 

Since then, Ive tried several times to re-open the account but CITI WAS NOT HELPFUL AT ALL and they gave me a verbal negative short response. So I applied several times for a new XXXX XXXX AAdvantage Program and was denied by CITI both times. 

I would think a long and up-standing XXXX XXXX XXXX XXXX be treated much better than this. 

After a thorough review of my credit report provided by XXXX, there are only positive comments. All reflecting that I pay my debts on time and that I pay more than monthly amounts. 

I did not include my husbands income, but since his new car is listed, you need to increase our annual income to $ XXXX. We have XXXX house that is paid in full, and another house that is paid in full but has an equity loan of $ XXXX. 

I did not include his information for he is already in the Advantage Card program. He has his card for his travel interests, and I have mine for when we do not travel together. XXXX trying to purchase an XXXX XXXX ticket for XXXX, but this is holding me up from doing that. 

Discrepancies with the credit report - XXXX address that are listed that are not mine. I never resided at : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Id never live in XXXX ) and XXXX XXXX XXXX. Those address need to be removed from my report immediately and any comments related. 

Appreciate your assistance in correcting these infractions immediately. 

Happy 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 2018-10-24
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
We opened a basic package saving account in citi and were told a minimum XXXX balance should avoid the monthly charge. After two months we found every month we were charged XXXX, then bank said you opened an golf XXXX minimum balance package. If our experience is true, the error is intentional and systematic like XXXX XXXX, try those clients who would not notice their day to day fraudulent behavior.

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 2018-05-03
Company: Riverwalk Financial Corporation
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, 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:
My name is XXXX XXXX and this is not a Third Party Service!

The credit bureaus gave repeatedly and continuously abused me and my consumer rights! They have misled me, they have lied to me constantly, they have given me information that stalls and hinders the fraudulent information on my account. 

I have spoken to every representative from each of the bureaus and they have each told me different stories to attempt to hinder my FTC Report. I was told my Equifax to send in my FTC Report through fax with two forms of identification and a cover letter and after doing to was told my fax never came in. 

I was told by XXXX to send in my paperwork through the mail and they have told me that I needed to be more specific with information even after being as specific as I can be. 

XXXX has blocked me from deleting fraudulent address that I have attached to my FTC Report stating that they wont delete it. 

These bureaus are following their own rules and not those laid out by the FCRA. I can not understand how the bureaus are continuing these misleading conversations and are ignoring the information provided and then stalling with sending letter saying that there are errors when there are none I am demanding that these fraudulent account be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are fraudulent and damaging my life as I know it. The bureaus have taken advantage of me and are biding me by the credit bureaus that they serve. They are not for the consumer but instead are ran but the creditors and will display any information they want them to even if fraudulent as in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: NM
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 trying to get the info corrected on my credit report since XX/XX/2022. 
I paid a judgement off in full to XXXX XXXX clerk of the court in XXXX XXXX in amount of {$10000.00} It is public record that the judgment was released. There is even a release of judgment sent to XXXX from clerk of XXXX court releasing the judgement. There is a copy of the certified letter that XXXX XXXX at XXXX XXXX  signed for the check and release and check was cashed per XXXX XXXX clerk of court. However my acct still shows as open and the balance owed has increased. 
I contacted all XXXX credit bureaus as well as XXXX XXXX  and I can not get this corrected. 
XXXX deleted the XXXX acct after reviewing the documents. However the other XXXX Equifax and XXXX just keep telling me they contacted XXXX and they say info is correct. It is NOT. This has affected my ability to take on any credit, car, credit cards etc For 8 months i have been trying to get this resolved. XXXX transferred my calls and then hung up on me twice!! All the info is public record on XXXX XXXX XXXX it takes XXXX seconds to look up on their website but, XXXX will not correct this issue, nor will Equifax or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I called your department after I purchased a credit report with XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 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 non-monetary relief
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 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 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 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 2022-04-21
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX - XXXX Account Number : XXXX Please remove it from 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 2022-04-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX ) working with HSBC Bank is assisting XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX in committing mortgage fraud. They are stating that the home is their primary residence but they have been leasing the home since 2018. I have reported them to other agencies as well. I tried contacting HSBC themselves but they stated that I need to contact the federal authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Experian Information Solutions Inc.
State: AZ
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 the past week, XXXX, XXXX, and Experian, have dropped my credit score by more than 70 points. The " changes '' were an account that had bee fraudulently obtained was deleted from my credit report and I took advantage of the COVID relief program and modified my mortgage which resulted in a lower payment and while the costs of the modification were financed in, the loan is 80 % of the current value of the house. So I am unclear how being in a better position with a lower payment can negatively affect a credit score.

I also fail to understand how the removal of an account that was the result of fraud can lower one 's 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