BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-24
Company: General Information Services, Inc
State: FL
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: Personal information incorrect

Complaint:
I received from the company GIS a copy of a background check made on behalf of XXXX XXXX XXXX. 
They stated in the report with this words, a issue o authenticity of my social security. " XXX-xxx-xxxx May have a issued as part of the SSA Randomization program. Please work with candidate to validate Authenticity '' As per our conversation they GIS and XXXX XXXX XXXX wanted me to send them my SS card to prove its authenticity. Because the report issuer its supposed to find the right information before issue any report, I denied to send them the requested SS card. 
I dispute the issue asking them to go to the proper authorities to validate the authenticity of the document. Adding to them the following, that if something is wrong with the card, I would not be the correct source to provided such a sensitive information. 
They close the dispute and nothing was resolved. 
I call them so many times and they said that it was close and period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2020-06-09
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/20 I was alerted that my credit rating dropped several points. 
I investigated and found it was from a collection agency called IC System. 
I called the company first thing in the morning XX/XX/20. The agent told me the {$450.00} debt was from XXXX XXXX. 

I told the agent rather than paying them, Id rather call XXXX and get back to her if necessary. 
I found the receipt for our in person return of all equipment from XX/XX/20. 

I called XXXX the following morning and found I had a balance of {$130.00}. 
I immediately paid that balance over the phone with XXXX. 
I asked the representative at XXXX to check and see if she showed any other debt to their company. After searching My name and account by state, birthday and ssn she confirmed I had no other outstanding debt. 

I called IC System back and kindly asked them to remove the debt due to the fact I had paid XXXX and was willing to provide receipts, account numbers, etc. that validated that the equipment was returned and bill was paid. 

The agent XXXX XXXX was not interested in the fact that I had proof that I paid all debt and returned all equipment to XXXX. 

IC Systems best solution was to pay 70 % of {$450.00}. I was not comfortable paying any money I dont owe. 
Although I have documentation IC System refuses to acknowledge my receipt that shows the corresponding account number matching theirs for my account and is unwilling to remove the inaccurate derogatory item from my credit record. 
I also never received communication by mail from IC System regarding this account. 

The timing of this is painful during a national Covid19 pandemic. 
I am preparing to send my daughter to college in a few months, so the impact on my credit is exponentially damaging to our familys plans. 

IC SYSTEM is using reckless tactics to collect a bounty that has been settled. Their collections methods are unscrupulous and lack integrity. IC Systems lack of willingness to acknowledge settled debts shows gross negligence due to the fact that they are deliberately maintaining the derogatory status on my credit reports which is adversely impacting my credit rating.

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 2023-02-20
Company: EQUIFAX, INC.
State: NJ
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute an entry on my credit report regarding an account with XXXX XXXX  XXXX. The account in question has been charged off and has an account number of XXXX. 

I also want to dispute an inquiry on my credit report dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. 

I believe that these entries are inaccurate and/or incomplete and do not reflect my credit history accurately. I request that you investigate these entries and provide me with the results of your investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I also have the right to request that the credit reporting agency remove any information that can not be verified. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I asked to close my HSBC Direct Savings account. I was assured this would be done in 2-3 days. It's past 20 days and the account is still open. See confirmation of closure request attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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 many 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 dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/2011 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX : {$4600.00} ; XXXX XXXX Balance : {$6300.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5300.00} ; XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX Balance : {$840.00} ; XXXX XXXX XXXX : {$5600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$270.00}.

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 2019-06-24
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
OnThursdayXX/XX/XXXXIwenttothemobileapptomakemypaymentof{$450.00}.Ienteredthepaymentamountandsetupthepayment.OnSaturdayXX/XX/XXXXIreceivedanemailstatingthatIwasnearingmycreditlimitfromthealertthatIhadsetup.Iloggedintomyaccounttoseewhattheissuewas,andrealizedFirstBankcardhadloweredmycreditlimitalmost{$9000.00}foralatepayment,thatwasstillclearlyshowingaspending.IcalledcustomerserviceforthefirsttimeatXXXXonSaturdaymorningandwasinformedthatmycreditlimitwasloweredbya"routinecreditauditthatshowedmyrevolvingbalancesonmyaccountsastoohigh.Mycreditlimitwentfrom{$30000.00}downto{$21000.00},andwillnowhaveanegativeimpactonmycreditscore.Iaskedtospeaktoasupervisorandwastoldthatnoneareavailableandtheywouldsendamessageforonetocallback.IreceivedacallbackatXXXXSaturdayXX/XX/XXXXfromXXXXXXXXID#XXXXwhocouldnothelpme.IaskedtospeaktosomeonehigherandwastransferredtoXXXXXXXXID#XXXXwhodidinfactrevealthatthelatepaymentdidinfacttriggerthecreditreviewthusloweringmycreditlimit.Ihavehadthisaccountforover9years,haveneverhadalatepayment,andhaveroutinelyreceivedcreditlimitincreasesovertheyears.ThelastincreasewasinXXXXofXXXX.TherehavebeennochangestomycreditbureaufromXXXXwhenmylimitwasincreasedtoSaturdayXX/XX/XXXXwhenmycreditlimitwaslowered.Thisishavinganegativeimpactonmycreditscoreduetoahighercreditutilizationratio.XXXXXXXXinformedmetherewasnothingshecoulddoaboutit.ShedidverifythefactthatmycreditlimitwasincreasedinXX/XX/XXXXanddidnothaveavalidanswerofwhytheamountwaslowered.Ihavemadepaymentsthroughthemobileappbeforewithoutanyissues.MypaymentshouldhavepostedatthelatestonFridayXX/XX/XXXX.Ifeelthisisimpropertreatmenttoalongtermcustomer.

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 2023-09-08
Company: Mercedes Benz Financial Services
State: IL
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:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
By obtaining my consumer report on XXXX and also XXXX knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) I have not initiated any transaction with ( XXXX XXXX ) ( MB FIN SVCS ) ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with { Insert COMPANY NAME } for review or collection. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 asked all three credit bureau 's to remove the public record from all my credit reports because it is a clear violation of the Fair Credit Reporting Act and they are claiming to get information from the Bankruptcy Court. They claim to get information directly from the courts. I have attached documentation from the court and from all three credit bureau 's. XXXX had removed the public record then they re-inserted it causing my fico score to suffer.

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 2023-12-11
Company: EQUIFAX, INC.
State: SC
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 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 2023-09-10
Company: Kovo
State: MN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The installation loan with Kovo , Inc., is a unauthorized and fraudulent account. I never applied for or opened an account with Kovo, Inc. The account is a fraudulent account and isnt my account. Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: FIRST NATIONAL BANK OF OMAHA
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:
PLEASE REMOVE XXXX XXXX XXXX OFF MY ACCT SS # XXXX ACCT # XXXX AS WELL OF HER 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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX 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 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 2023-09-10
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Have not reimbursed from false fees and freeze on deposit from class action lawsuit that were my account was effected by there negligence

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 2020-06-08
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have mailed and sent Experian copies of the court dismissal paperwork of the debt I supposedly owed to XXXX XXXX. The paperwork clearly states the companies name, XXXX XXXX and the words dismissed without prejudice to ( Me ) 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 2021-05-28
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company accused me of owing debt to XXXX in a letter in early XXXX of 2021. I requested proof of debt on XX/XX/2021 via certified letter. They did not respond, but called me today, XX/XX/2021 attempting to coerce me XXXX in a demanding tone that ) I allow them to record me without my consent, and that I verify my social security number. Again, they have not provided any proof that I owe such debt. 


She said " We record all of our phone calls ; I mean, you don't have to verify your identity, but this isn't going to make this problem go away. '' My main issue is not that I verify who I am ; My issue is that they did not bother to show proof of debt, and tried to prevent me from exercising my rights of not allowing myself to be recorded. 

Their statement in conjunction with attempt to coerce me to verify my social security number without providing proof of debt leads me to believe that they are about to hurt my credit without cause.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX 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 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 2023-03-22
Company: MacDowell & Associates, Ltd.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX had a valid claim to a debt that I owed. However, they decided to initiate action during a federally declared state of emergency and disaster. Businesses were closed, communication and travel were extremely restricted. And, I, being self-employed, had no relief or any type of compensation. Whereas the rest of America seem to be getting triple unemployment benefits, I had to suffer. 
I communicated with XXXX XXXX about the debt and my intentions to pay and stay in good standings. I contacted them in XXXX at least once and XXXX on two occasions also called them in XXXX I believe it was on the XXXX to explain that I would have payment by XX/XX/XXXX. They explained that they were happy that I was able to make that payment and just to give them a call when I made it so that they could be on the lookout. They then arrived at my home and in the wee hours of the morning. Embarrassed me in front of my neighbors and calls me great stress in the fact that I had to stand in the cold and clean out the truck on the spot. 
I would have had it cleaned out had they told me that they were coming to get it. At this point they knew that trucks were bringing a premium price and that they could get as much as they wanted to for it and I believe this is the reason that they repossessed. However this is not truly the issue, though it does pertain to the issue as a whole. 
XXXX XXXX XXXX declared my account as a charge off and therefore XXXX was able to negotiate this item on the p & l tax documents. They were compensated. The dead then became what could be declared as income to me however XXXX decided to send it to a lawyer 's office and he has steadily increased the debt months by month over 3 years of holding the debt. From everything I've read and everything I understand this is not fair nor is this legal. 
If I'm wrong, please show me how I am wrong. 
I have screenshots of the emails The lawyer has sent to me and even offered to settle the account for {$1000.00} as he refused. 
I believe that this taking place during a federally declared state of emergency and disaster and the fact that XXXX sold the truck for a premium at auction should negate any debt that I owe or have owed. 
Please help resolve this situation and help me remove this from my consumer report as I believe this is not covered as a debt or a collection under the 15 USC FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: PA
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:
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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  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