BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-09
Company: Early Warning Services, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On Friday, XX/XX/2021, at XXXX XXXX  I answered a phone call at my business location, XXXX XXXX. The person had stated their name and that they worked for the electric company, XXXX XXXX, that provides my business with power. Speaking with me on the phone, he had explained to me that i was two month behind on my electric payments and if I don't pay automatically the company would come and shut it off. Considering weekends are my busiest time, I could not afford to have my power turned off, and that I needed to keep it running at all cost. The person on the phone reassured me and said he can help me set up a online mobile app that can automatically withdraw the amount needed to save my business. He walked me through a step by step process, creating this account through Zelle, that is compatible with my bank XXXX. When all was said and done, the amount was withdrawn from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: United Collection Bureau, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX United Collection Bureau , Inc . 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH XXXX Via U.S.P.S. Certified Mail/Return Receipt # XXXX Re Alleged Original Creditor : United Collection Bureau , Inc . 
Alleged Original Creditor Account number : XXXX XXXX XXXX XXXX Debt collectors Name : XXXX XXXX XXXX XXXX , XXXX . 
Debt collectors account number :XXXX Alleged Debt Amount or Balance : {$680.00} Current Creditor : United Collection Bureau , Inc .

Dear United Collection Bureau , Inc . 

I recently received communication from you to collect the above-listed alleged debt. 
Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to XXXX to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via XXXX and or email @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX  card is paid in full I had agreement with the company for a paid to delete in which I did it this negative impact is stoping me from purchasing a home in which I need to do and very important I purchase a home this is a violation 15 usc 1681s-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Wheel City Motors East, Inc.
State: SD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My complaint is for vaguely threatening collection attempts. I unfortunately don't have the specific date but it's happened twice now where I have contacted the 3rd party financial institution that works with the car dealership to let them know that there was an issue with either a paycheck being short or some unforeseen reason that my ACH payment didn't go through. Both times I am addressed rudely and unprofessionally about the situation and they won't give me any specific information regarding late fees or repossession. I have never been more then maybe 8 days late on my payment, and it's only happened TWICE in the last year. The most they ever give me is " we have no grace period. '' and " we can't say what will happen with you being delinquent, but something will happen. ". The payments they pull are inconsistent as well, it varies from {$260.00} to {$270.00} but no one seems to be able to explain to me what the {$10.00} difference is. As a consumer I believe it is within my legal right to know what my time frame is for certain consequences as well as an explanation for the different charges. I have reported their behavior to the car dealership as well and was apologized to but nothing changed otherwise. I have made early withdraws from my IRA to pay them due to the vague threats they give when I have gone past due because I truly don't know if they'd repossess my vehicle for being a week late, so now I have at least 2 extra penalties I'm going to owe the IRS come tax time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
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:
Please see ATTACHMENTS including the FULL Federal Trade Commission Identity Theft Report, Report Number - XXXX. I am a XXXX XXXX lawfully protected consumer and deserve humane trearment. I AM NOT submitting this complaint IN ERROR NOR am I submitting this claim based on MATERIAL MISREPRESENTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Santander Consumer USA 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 status incorrect

Complaint:
XXXX stopped sending me a bill because I had a phone conversation in XX/XX/XXXX where I asked them to stop contacting me. I meant stop calling me. They considered it a cease and desist. I run a business and bought another car around the same time. I had the same amount of payments so I never noticed I wasn't paying for my XXXX XXXX. It wasn't until we got an account somewhere that they told me I had the van charged off on my credit, that I became aware of any of this on XX/XX/XXXX and at that time I XXXX XXXX the back pay and fees in 2 payments for XX/XX/XXXX thru XX/XX/XXXX. I then began paying online and on time. I then called them and asked them to take the charge off, off of my credit report they stated they would not and that it would be on my credit for 7 to 10 years. I then got an attorney to ask them to remove this on XXXX XXXX as we are current and they denied this as well. 
I have proof that the van is current and we are paying however it is still on my credit as a charge off. I would like to get this removed by XXXX XXXX. But as of to this date they are unwilling to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: RI
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:
Good Afternoon I called Equifax to dispute a few items that are incorrect are my credit report and just received my updated one and the items are still on there. If you could please resolve this I would greatly appreciate it as I am trying to secure an apartment and I need to have a clean credit report. It is very important that the items are updated properly on my credit report. 

The first problem is my current employer does not show on my credit report. My current employer is XXXX. I started working there from XX/XX/2021 to the present. My current title is XXXX at XXXX. Please update accordingly. Also, please note that the previous employers that are on my report are correct. The only issue is that the current one is not updated. Would you please be sure that all three credit reports reflect this. 

The second item in question is XXXX XXXX XXXX in the amount of {$1000.00}. This HAS BEEN PAID IN FULL. Would you please update all three reports to be sure this is reflected that it has been paid in full. 

The third item in question is XXXX XXXX XXXX CARE OF XXXX XXXX XXXX in the amount of {$330.00}. Please be aware that this has BEEN PAID IN FULL. Would you please be sure all three credit reports reflect this? Equifax, XXXX and XXXX. Thank you! 

The fourth item in question is XXXX XXXX XXXX in the amount of {$480.00}. Please be advised that THIS HAS BEEN PAID IN FULL. Would you please be sure to update all three credit reports to reflect this? XXXX, Equifax and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
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:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX Balance : {$26000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: DISCOVER BANK
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over the past one-two weeks, we have been receiving over four phone calls a day from Discover Financial at XXXX. When we pick up the phone all we hear is silence. Given who is calling and how they're calling, I assume they are trying to collect a debt via phone harassment. Nobody currently living in this household, using our number, owes any debt to them. I called them and told them to stop but they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Transunion credit report shows additional person with same name living at a different address in a different state. I requested that they correct this report. First request made on XX/XX/XXXX with confirmation email. Every time I go back to the website to check the status of this request it keeps getting pushed out. Next currently reported status update is XX/XX/XXXX. They aren't doing anything with this, they just keep rolling it over. they need to remove this other person who is listed on 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 2021-09-08
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I received letter from XXXX, this is the company experian uses to verify information, XXXX shows bankruptcy is not correct and has been removed on XX/XX/21, experian said they verify information with them and it looks like they did not, because XXXX shows it not listed on XXXX records, i uploaded documents ( letter from XXXX showing this has been removed and date of XX/XX/21 ), to file experian XXXX and XXXX and just uploaded with no file number, still no response or removal of bankruptcy from 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
Consumer complaint received 2023-12-26
Company: U.S. BANCORP
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
A XXXX package that was sent to my address ; it included my phone number. Upon opening it and the envelope inside, I realized that it was a credit card in someone else 's name. 

I went back and checked the XXXX envelope and the address on the paperwork and it was definitely my address/phone number. After doing some research I realized this was some type of fraud ; being concerned about how things could devolve, I thought it best to submit a report here.

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 2023-07-24
Company: AMERICAN EXPRESS COMPANY
State: TN
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:
American Express ( AMEX ) XXXX XXXX has placed a corporate business debt onto my personal credit report as of XX/XX/XXXX and my credit report has plummeted over XXXX points. In XXXX, AMEX closed my platinum, XXXX, and XXXX card after I paid off the previous two. Additionally that year, they stripped my online access to pay my XXXX card online. After several failed attempts over the phone of them walking me through a website that clearly did not allow me to pay my credit card bill they offered to enter me into a payment relief program that was automatically drafted from my accounts each month. 

I was aware that this was a scam used meaning they really wanted me to provide automatic payments via one of my checking accounts and not allow me to pay online as is my preference and how my business pays all of our bills. In the Spring of XXXX, my business hit another pitfall with clients terminating their contracts and leases early. Therefore, I was unable to make my obligation of paying my bills but explained to AMEX that if they allowed me online access that once money came in I could pay them, however they insisted that I give them an online account from which they could withdraw monies from. We were at a stand still. 

As of today, XX/XX/XXXX another AMEX employee just hung up on me after gaining all of my new information for work address, email, phone, personal address, SSN, and date of birth. He has yet to return my call to discuss removing this business information from my personal credit account and adding to my business account. He informed me because it was a small business account that they could do it, meaning place business debt onto my personal credit report. I explained that it is a violation of my personal credit as outlined by the consumer financial protection board and is considered incorrect, fraudulent accounting. That's when the phone hung up. I'm even unsure if my conversation was valid with an actual employee, when I was transferred 4 times within a 3 minute timeframe with AMEX. Likewise, upon my first two calls with reps at AMEX, no one could even find a debt because it is not in my name but established with my business. 

All of this could be resolved and the debt can be paid if AMEX would allow online payment of account, but somehow they believe removing access to systematic payments to be punishment for going through business slumps.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
This is a continuous problem from cfpb # XXXX dating back to XX/XX/XXXX. 
In XX/XX/XXXX I received an e-mail from XXXX XXXX that there was a change to my score. It stated that a CO ( charge off ) was placed on my score. Then on XXXX XXXX, XXXX my score changed again and placed the CO ( charge off ) back on with a negative -87 points. I need to know what is going on. My current lawyer XXXX XXXX, says he has not received anything from the collection agency nor Bank of America, nor have I received any information. Bank of America chose to put my account in " collection '' rather than taking me to court to prove my case. Do to me having a major XXXX I chose to offer BOA the deed to my property to rectify this debt. I had to secure a senior living complex to live in at that time-last year. In trying to obtain this living arrangement BOA took {$10000.00} from my account unknowing to me until later. To me this act was not " Just '' or " XXXX '' do to the fact the debt was placed in " collection '', and my only funds is my pension with no Social Security payments because I do not qualify with only 31 credits. I would like for my lawyer or myself to find out if the deed offered was accepted or not. 
I pray that this problem is solved once and for all, I have suffered deafness and a XXXX from this going back to the initial problem back in " XXXX '' with the loss of {$10000.00} and over the years paying two ( 2 ) lawyers.

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 2023-10-13
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX XXXX XX/XX/2023 Subject : Urgent Request to Remove Inaccuracies from Credit Report Dear Sir/Madam , I am writing to urgently request the removal of inaccuracies from my credit report, as maintained by [ Credit Bureau Name ] . The presence of these inaccuracies, which exceed 10 in number, is significantly impacting my ability to secure a mortgage for my new home. My mortgage company has highlighted these discrepancies as a major hindrance to my home financing. 

In accordance with 15 USC 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the expedited removal of any incorrect information from my credit report. I am exercising this right and urge your prompt attention to the following inaccuracies in my report : 1. Date Opened : The dates are incorrect and inconsistent. 
2. Balance 2 : The amounts are inaccurate and inconsistent across all records. 
3. High Credit : The reported amounts for all three credit reporting agencies ( XXXX, XXXX, and Equifax ) are incorrect. 
4. Credit Limit : The reported credit limits are inaccurate and erroneous. 
5. Past Due 5 : The past due amounts vary among the three credit reporting agencies.

6. Payment Status : The payment status is showing different days.

7. Last Reported : The reporting dates are inconsistent and differ across the three agencies.

8. Date Last Active : The date of last activity is showing discrepancies in days, months, and years.

9. Date of Last Payment : The reported dates are entirely different and not accurate.

These inaccuracies have immediate and profound consequences for my financial goals, particularly my pursuit of homeownership. I implore you to expedite the resolution of these inaccuracies in line with the FCRA.

I respectfully request that you promptly investigate and verify the information contained in my credit report and take the necessary steps to correct or remove any inaccuracies. Given the urgency of my situation, I kindly ask for immediate attention and action.

To facilitate your investigation, I have attached copies of the documents that support my dispute, including [ List any supporting documents you are attaching ].

Please be aware that the FCRA mandates the completion of your investigation within 30 days. However, I urge you to expedite this process due to the significant impact these inaccuracies have on my financial prospects.

I anxiously await your prompt resolution of this matter and expect written confirmation of the results of your investigation, as well as a copy of my updated credit report, as soon as possible. 

Your expedited assistance is greatly appreciated. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief