BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-17
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was a debt of {$180.00} that showed up on my credit report. I contacted the debt collection agency ( Credit Collections Services ) on XX/XX/2020 to settle and paid this debt for {$92.00} on XX/XX/2020. This collection agency updated my credit report stating that I still {$92.00} active. I call several time asking when were going to report to the credit that this debt has been settled and paid because on XX/XX/2020 I reported to the credit bureau still owed and is still showing still owed although they said that they reported settled, paid and closed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has come to my attention, that XXXX XXXX XXXX XXXX Bank has transfer an account to XXXX XXXX XXXX. Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$1700.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 

Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.

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 2023-08-23
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:
I checked my personal credit report, which I acquired from your organization on Experian Report XX/XX/2023 and I noticed that this Inquiries had been made

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 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I pursued a loan/installment plan from XXXX XXXX  XXXX XXXX, and many red flags of illicit activity arose. The evidence is overwhelmingly clear that XXXX XXXX  is a scam. I have reported them to the CFPB five times ( the previous ones attached here ), and the last time I also forwarded the evidence to the Federal Bureau of Investigation XXXX Federal Reserve, Federal Trade Commission, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and the Securities and Exchange Commission to ensure this matter is thoroughly investigated and accountability takes place. 

Credit bureaus : DO NOT allow any information or activity associated with XXXX XXXX  to be factored into my credit score at all. They are not a legitimate company or service. And please do not respond here with a series of graphs, numbers, etc. that imply their " loan '' is valid. Because it is not. Erase them entirely.

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 2023-10-26
Company: U.S. BANCORP
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have been approved for homestead exemption on my property taxes due to my limited income so every year I would receive the taxes back until last last year XXXX and this year XXXX. When I called about this, they have no idea what is going on and want to do an investigation. I have their paperwork showing that there is money held under property tax. 
This has caused financial hardship for me trying to stay on track with my payments. 
I have also asked for the monthly statements to reflect accurate numbers and they have not been able to do so. 
They have told me that I am in escrow shortage which with the next payment I make next week that will not be true and they want me to increase my mortgage payments which is uncalled for. 
I have showed these mortgage papers to another bank who told me that the bank holding my mortgage has mistakes in the statement and is holding money they should not have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I am XXXX  XXXX with a Citibank credit card for 30 years. My credit score is XXXX, I have always payed on time. My current balance is {$5700.00}. Over the past 12 months, my interest rates have increased from 4.99 to the most recent whopping 18.74 % ( an increase of 4 points over the past month! ). 

I called Citi in protest and spoke with XXXX in the XXXX ID : XXXX, then a supervisor. They advised me to write and email to XXXX XXXX XXXXXXXX, etc. 

The REASON for the increase, on my XXXXXXXX XXXX  statement was as follows : " As of XX/XX/XXXX your credit score is XXXX. Credit scores range from a low of XXXX to a high of XXXX XXXX' NONE of the key factors that " adversely affected your [ my ] credit score '' are true. 

Further, per CITI, " if you have any questions regarding your credit score, you should contact the consumer reporting agency identified above ''. 

It's XXXX. What's WRONG with my credit score or my BALANCE!? 

I urge you to support XXXX XXXX low-earners like me, who pay on time, and who are being unduly punished by the Catch-22 between Citi and credit agencies . 

My son serves in the military, as did my beloved father, XXXX XXXX and XXXX XXXX in XXXX> Thank you for your service.

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 2023-10-26
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: ALLY FINANCIAL INC.
State: IL
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 received a credit inquiry on XX/XX/2021, XX/XX/2021, XX/XX/2021 from ALLY FINANCIAL. I absolutely have no idea who this company is and why they are on my credit report. I have attempted to contacted them via mail on XX/XX/XXXX,XX/XX/XXXX and XXXX XXXX as of today I have not received any response from this company as to who they are and why they thought it was acceptable to attempt to pull my credit or pull my credit. I DO NOT KNOW THIS COMPANY AND I DID NOT GIVE AUTHORIZATION OR PERMISSION TO PULL 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 2023-10-26
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My grandmother called me to tell me that Midland Credit called her home in another state to collect a debt and I never gave them her number. They have been calling Unknown and from odd numbers at all times of the day. The account was closed and then reopened without my knowledge or authorization so I would like for them to cease all communication with me and my family. XXXX XXXX has been paid and I will not pay the debt twice. Please forward my 1099-C.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On, XX/XX/XXXX the Wells Fargo Bank PLC and the Nevada Department of Corrections issued a XXXX XXXX XXXX XXXX ; from Account XXXX. XXXX of {$49.00} to me - XXXX and Account XXXX. XXXX. But this was short of the Remittance awarded to me by the Supreme Court of Nevada in Docket XXXX ; District Court Case No. XXXX on XX/XX/XXXX, which was in excess of $ XXXX. 

Whereas on XX/XX/XXXX, the Wells Fargo Bank fraudulently transferred a sum of {$500.00} to my Inmate Trust Account No. XXXX and which Act was contrary and in violation of the Uniform Commercial Code ( UCC ) Patent Ambiguity of {$490.00}. 

Accordingly, on XX/XX/XXXX, while I was still in Detention and proceeding on Appeal with the Immigration, the United States Department of Justice approved a Waiver of Exemption Check to me in the Amount of {>= $1,000,000} and which required Deposition in my Account with the Bank. However, the Bank reports to me that my Account was closed in XXXX and can not accept any Deposits at this Time.

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 2023-10-27
Company: T.S. Holdings
State: ND
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I got a notice in the mail regarding a debt owed from my apartment lease that I broke in Florida. They called me to pay the debt, I said I couldnt come up with the {$2200.00} they were requiring but I could make payment arrangements bi weekly to ensure I am trying to pay the collection. They told me they wouldnt work with me and that they needed it all at once. The representative repeatedly talked down to me and kept asking me to borrow money from a family member, take out a loan, or put in on a credit line. I offered {$170.00} bi weekly ( totaling $ XXXX ) to start, they said no. From then, I had made a few payments totaling around {$500.00} because they kept calling me. On XX/XX/XXXX, I offered them {$1200.00} for a settlement, he declined. He said the most they could take it down to was {$1500.00} but it would still affect my credit for 5-7 years, but that if I paid the total amounting in {$1700.00} he would clear it off my credit. On XX/XX/2023, the same representative ( XXXX XXXX ) called me and asked to once again clear the debt. I told him that I dont have that amount to give him and he asked well what happened to the {$1200.00} you were willing to pay before? What happened to the bi weekly payments you were going to guarantee us? You need to ask a family member to resolve this. I asked if he was calling to lecture me or assist me in setting up payments and his reply was ok XXXX I am going to put you down as a refusal to pay, bye.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT 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 non-monetary relief
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: NY
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Consumer Financial Services Solutions, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I started a debt relieve program Beyond Fiancing stated clear my debt up by certain time and still have not done it be in program almost 41/2 years and this was supposed been 3 year program

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Please request a copy of the checks numbered below for the Truist Bank Account belonging to XXXX XXXX XXXX a Florida company. 

Account number : XXXX XXXX period : XX/XX/XXXX XX/XX/XXXX : XXXX. XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX/XXXX/XXXX : XXXX AMOUNT SERIAL # AMOUNT DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 2023-10-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my frustration as an inquiry, previously promised for removal, still remains on my credit report. This misinformation severely impacts my financial standing. 
I request an immediate investigation and removal of the inquiry as originally assured.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX  student loan servicing provider inaccurately report missed or late payments to the credit bureau, this mistake has had an impact on my credit report. This is affecting my ability to borrow. There are over 18 accounts showing I was late XX/XX/2017 there was no one from XXXX   providing clear information about how to re-enroll in income-driven repayment plans and never knew I could have a qualify co-signer .Which I have stated and beg with XXXX  XXXX I done everything I can to make sure I dont fall behind. Try providing proper documents for questionable payment plans which are read from scripted agents trying to rush you off the phone giving the next hopeless person no option .I am a XXXX single mother with XXXX  kids working hard under the poverty line making less then 25000 years just trying to better myself. My payments and account balance is being improperly used over the past year leaving me to question which amount is true reporting with Credit Bureau. Constantly getting credit reporting alerts either my accounts are increasing or decreasing no one from XXXX can seem to tell me why this continue to happen. During the month of XXXX i know i spoke with someone and sent my paperwork back over in fashionable time and even spoke with my financial counselor at XXXX College XXXX XXXX South Carolina who reassure me everything will be okay and will assist during that time frame. Not to mention that school has bankruptcy and close down. XXXX is a billion  dollar company with tons accounts they handle every seconds doesnt want to take time to think or take responsibility that maybe they might just drop the ball on this or many other accounts reporting accurately. All I want is honesty and fairness because this is hurting. They say your past will set you free but honesty this past report is currently hurting me.

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 2023-10-26
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 

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

15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
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: Personal information incorrect

Complaint:
XXXX is reporting inaccurate information I have submitted the correct information, but the continue to report what they want instead of what i sent them about me. 

addresses phone numbers names jobs

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