BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by 3 credit bureaus. Despite sending them the complaint. I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is ( still ) reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : Inquiry included in dispute : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: W&A Intermediate Co., LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In 2020 I acquired very high medical debts related to the Covid epidemic. I was informed by a debt lawyer that I could dispute the debt, but never received any notice of this debt until it was on my credit report. I tried several times to dispute it but the credit company is not offering me a fair dispute. I would like this removed immediately because it is an unfair debt that will not be paid. XXXX XXXX charged me for a helicopter ride to the farthest and largest hospital that was unjust, forcing a debt onto me. There was a smaller and well equipped hospital not even 10 miles away from the scene of my accident. I was fully aware and awake at the time of my incident, and they were legally obligated to verify with me my preferred form of travel to the hospital. Instead of a few XXXX for an ambulance, they chose the most expensive mode of transportation possible and stuck me with a $ XXXX debt for uneccessary and unauthorized mobile transport. The decision was made by someone else on my behalf and did not allow me any choice in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: MO
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 Act. # XXXX, XXXX, Act. # 1903 XXXX XXXX XXXX XXXX XXXX XXXX Act. # XXXXXXXX XXXX Act. # XXXXXXXX XXXX XXXX  Act. # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Social Finance, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2020, a representative of SoFi gave deceptive information that led to me accepting a personal loan for {$30000.00}. The information given was that if automatic payments were established, there would be a recurring automatic rate reduction of .25 % that would lower the rate to the lowest available rate of around 5.9 % over time. For example, if the loan were 12 % then after one year of automatic payments the rate would reflect 9 %. After approximately 2 years, the rate would be about 6 %. I was told that the rate would drop with auto pay, the representative explained how SoFi was the only company that he knew of with this type of rate reduction program and that the original rate would show on the contract, however the rate would decrease with automatic payments, and that I could locate this unique program information on the company website. I trusted this person only to find out after speaking with a manager XXXX, that the information was false and that nothing could be done other than an apology, a " coaching '' to the representative who's name I believe is XXXX, and a small gift card as an " olive branch '' for the misrepresentation. A reckless and false representation was made that I relied on, and now I am suffering the financial consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Started a claim with XXXX through XXXX and online on XX/XX/23 after I noticed my credit score decreased due to a collection posted on my report by Southwest Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Called them and could not give me any info besides Name of : XXXX XXXX used my social to open and run account. This account was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Emailed them about fraud and XXXX called me back regarding matter and stated that could have been very old account, possibly not recent. Procedure to send to collections to see what they could get back. He understood fraud and would take necessary steps if he was contacted about situation and correction. Called XXXX  back today XX/XX/23 XXXX XXXX  and told me to make a claim on this website to attempt to clear collection 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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed there are remaining items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-03-07
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:
THE ACCOUNTS I DISPUTED WERE NOT REMOVED THEYRE NOT MINE. I ALSO FILED A CLAIM WITH FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: MD
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 lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 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 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 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any 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: In progress
Consumer complaint received 2021-05-06
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: Information belongs to someone else

Complaint:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Controlled Credit Corporation
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i saw a doctor last XX/XX/2021 this vist was for a " well check '' this is bill for {$16.00} cents i have no idea what this id for a while back i received 2 others bills for around {$50.00} which i paid. 
this is unbeliveable that a year later i get another bill, and worse comes from a collection agency ... ... ... ... ... ... ... ... .....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is regarding my Citi Best Buy credit card. They had promotion which I took advantage of. Promotion was for purchases over {$500.00}. You can payoff the same in 6 months without incurring any interest essentially deferred interest. 

I have Promotion which expires on XX/XX/2023. In my XXXX billing cycle I had some other purchases in the billing cycle which didn't qualify for the promotion and I have revolving balance. When I made payment for my XXXX billing cycle. I was expecting my payment to be applied to my revolving balance first so I am not incurring fees or interest but instead the bank applied to Promotional balance and I will now incur the interest on revolving balance although I have 28 days to still payoff my promotional balance. 

Bank had done this last year to me and that time they had way to correct the situation. But this time agent and their supervisor told me their system has changed in XXXX and they are no longer able to reapply payments as per my request. 

As it stands today no one can tell me how to correct the situation. I asked bank to file complaint and they put compliant but there is no outcome expectation as they said there may be follow-up from bank if they need anything from me otherwise they will review.. As a customer this completely misleading. If promotion is for 6 months and there is date published online, bank should not have applied my payment this way. Additionally, if they want it to behave this way then end promotion on the billing cycle. This completely misleading.

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 2023-10-16
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Greetings, I called XXXX to make payment arrangements on or about XX/XX/XXXX stating that I would pay on XX/XX/XXXX as I had lost my employment and has recently obtained new employment and was waiting for a check in the mail. On XX/XX/XXXX XXXX erroneously and illegally reported a late on my credit file. Right after this reporting by XXXX, my credit dropped drastically by XXXX points. I have had good credit and this one erroneous and illegal incident by XXXX made my credit dropped drastically damaging and negatively effecting my credit file. Note that, I actually paid this bill on XX/XX/XXXX a day prior to the arrangement. 

This has caused me a great deal of emotional distress and hardship as, to reiterate I had good credit and an excellent payment history with XXXX. This is also causing great deal of emotional distress and hardship, because I am currently looking to move to downsize and this will have a negative impact on my securing a new residence.

I am looking to get this immediately removed and I am contacted all of the credit agencies.

I am also looking into why would my credit fico drop so drastically just by one credit card company reporting a late. 





Sincerely, XXXX XXXX XXXX. 

Ref : 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 2022-03-15
Company: B9, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
B9 card Debit card payday Advance take all my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Mitsubishi Motors North America, Inc.
State: TX
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:
Multiple disputes submitted pertaining to MMCA account and yet the account continues to report incorrectly. This account has already fallen off the other two credit bureau reports and should have already aged off of XXXX  as well but I do not feel they are looking in-depth into the account or contacting MMCA about correct payment information or balances. This tradeline should no longer be reporting on my report.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Unverified Account information

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 2022-11-21
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: Information belongs to someone else

Complaint:
I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$74000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$5200.00} XXXX XXXX  XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$5100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$70000.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2020-04-06
Company: CASH AMERICA INTERNATIONAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Property was damaged or destroyed property

Complaint:
XXXX Cash America Pawn i pawned 3 diamond rings in XX/XX/XXXX on XX/XX/XXXX at XXXX i went back to redeem with cash only 1 ring # XXXX was my actual ring I redeemed it the other 2 ring # XXXX, ring # XXXX was NOT mine i called XXXX  XXXX  XX/XX/XXXX at XXXX to complain i was told not to call the police someone would contact me right away.. No one did..on XX/XX/XXXX at XXXX i called XXXX  XXXX  & was told my case was  closed I said no way reopen it on XX/XX/XXXX I sent 2 demand letters for a Refund to XXXX & XXXX  XXXX giving them til XX/XX/XXXX to reply.. No Reply.. on XX/XX/XXXX XXXX i called XXXX  XXXX several times i was told they did not have to answer " a cilivan '' and stop calling them or they would block me and they DID BLOCK my number from their 800 # Cust Serv and 800 # XXXX  XXXX i have stock in this company and this is how I have been ripped off of original property and my money paid to them cash with 44+ receipts and all paperwork to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Bureau Hudson Valley Inc. continuously attempts to collect an alleged debt that they claim that I owe them. They then reported the alleged debt to the 3 credit reporting agencies ( XXXX, XXXX  and XXXX  ).

In the process they have broke several laws, identity theft/fraud by obtaining my personal information without my consent, invaded my privacy by illegally obtaining medical records without my consent.

They violated 15 usc 1692b ( 2 ) by stating that I owe a debt ( which I provide proof of on exhibit A ), 15 usc 1692b ( 5 ) by using language and symbols on their letter that they mailed to me which shows that they are a debt collection agency ( their name alone gives away that they are a debt collector ), 15 usc 1692c ( 1 ) by communicating with me without my consent, 15 usc 1692e ( 2 ) ( A ) by claiming I owe an amount of {$510.00} but sending a bill thats in a positive amount. If I owe something it should be a negative balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I put in a complaint with you about Portfolio Recovery Associates. I had asked for a list of supporting documents for validation purposes and all they sent back was several invoices and a 1 paragraph explanation. 

CFPB, please help me. I want to know since the FCRA and the FCBA says I have a right to ask for these documents that I needed such as 1. Proof of original contract with my signature 2. Provide verification as to why you say I must pay this debt.

3. Please furnish the amounts and ages of each debt 4. Please send proof of all billing statements sent to me since you are claiming that I owe to the original creditor 5. State the amounts of debts when you obtained it and when that was 6. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amounts of each added amount.

7. Please provide proof of last billing statements sent to me since you are claiming that I owe these allege debts.

8. Please provide proof of any payments or other reductions since the last billing statement from the original creditor, I am requesting a full verification as well as documentation of the amount you are trying to collect. Please explain how that amounts were calculated. Also include an explanation on how the other changes/adjustments are expressly authorized by the agreement creating the debts or permitted by law.

9. Also furnish when the creditor claimed these debts became due and when it became delinquent 10. Provide proof of the dates of the last payments made on each account and by what method 11. Lastly provide proof of your license to collect in my state and send with that your license numbers and registered Agent or Agent of Service.

12. Proof of sale between Portfolio Recovery Associates and the company you purchased these allege debts from that has been notarized 13. The assignment clause from the original contract that I supposedly signed.

14. Please provide me with the account number used by the creditor and the amount owed to the creditor at the time this account was transferred 15. Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to your company Portfolio Recovery Associates did not provide not 1 of these documents. And I want to know why and why is it okay for them to continue to report this unverified and invalidate account on my credit report. It's not right and something needs to be done about it now please.

Company response to consumer: Closed with explanation