BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: NY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: SECURITY FINANCE CORP
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
my business went down and i couldn't afford payments. called company in XXXX  to pick payments up by paying it they told me that my account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: SIMM Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have been harassed by postal mail several different times, by several different collection agencies representing XXXX XXXX XXXX. The first harassing letter was sent by XXXX, which after I filed a complaint here with CFPB, in XXXX, they said they would stop contacting me regarding the debt they allege against me as it has absolutely no merit. The second harassing communication came by way of XXXX XXXX XXXX in XXXX, XXXX, the next was by XXXX XXXX XXXX, also representing XXXX XXXX XXXX which occurred in XXXX, XXXX. The most recent communication was sent to me by their third company, SIMM ASSOCIATES , INC. dated XX/XX/XXXX. The letters are the exact same each time. Each time they allege that I owe money for a student loan account that they allege I defaulted on XXXX, XXXX, XXXX. Not only do I not owe this debt, the information they have and continue present is completely false. I dispute this debt!. Each time they threaten me, they present false documents and they allege that I benefited from proceeds of a student loan that I do not own. I have statements from both my private and federal student loans to show that I do not owe any outstanding debt. This is a fraudulent company who buys false documents from somewhere and they harass you at every end using fear and intimation tactics each time. What I know about XXXX is they have been party to a Federal Court case over 20 times for violating consumer 's rights and using illegal harassing communication tactics to coerce a payment. Well, it will not happen in this case. These practices must stop. It takes me time and great effort to continue responding to these harassing letters every few months. It also causes me emotional turmoil to be accused of owing a debt that they threaten against me. These actions are malicious and are intended to inflict emotional distress to coerce me to pay for something I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I looked at my credit reports i found personal information that is not correct. 
My name is XXXX XXXX, these name variations are wrong. 
XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX My current ADDRESS is XXXX XXXX XXXX XXXX, XXXX, OH XXXX These address are wrong : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX   XXXX, XXXX, GA XXXX My employer is XXXX   XXXX XXXX  XXXX XXXX These are not correct XXXX1099 EMPLOYEE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract 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 2023-08-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my THIRD request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX Balance Owed : {$6000.00} 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XX/XX/2021 my daughter XXXX XXXX XXXX ran a credit report with XXXX. On that report it noted A Capital One Account with a balance due of {$4200.00}. The Capital One account is my account, XXXX XXXX. I opened with only my SS number. At no time was Capital One provided her SS number. She is a Authorize User. She went away to college and this was a Emergency Card only. No where on the Capital One information is it listed she is authorized user. I attempted to call Capital One and they were rude and noted I have to write a letter and could only mail and that it would take 30 days to resolve. My daughter is moving from California to XXXX for her XXXX job. They need to be there is 2 weeks or he losses his job. Due to the error from capital one they are having a difficult time renting a apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: EQUIFAX, INC.
State: NC
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:
I am going to attach a copy of the investigation request my wife and I sent to Equifax on XX/XX/XXXX. Over thirty days have passed, and we have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My rights as a consumer are being violated I disputed inquiries that are reporting on my consumer report and transunions Response is that They will conduct an investigation and send me correspondence with an explanation of their results which never happened. 15 US C 1681 States that the banking system is dependent upon fair an accurate credit reporting. And what is happening here is not an example of that.

15 US C 1681B ( a ) ( 2 ) in accordance with the written instructions of the consumer to whom it relates. No written consent was given I am requesting that these inquiries be removed. 
I am disputing the following inquiries XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Resurgent Capital Services L.P.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me ALL DAY everyday, I have documentation once as early as XXXX and they sometimes go until XXXX  I have not gone a day without repeated phone calls in roughly a year and I just now found out that is not ok and I am looking to report this and do whatever I can to make them stop, I suspect the amounts they are attempting to collect appear to be inaccurate LVNV llc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: SC
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX, XXXX XXXX on 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 non-monetary relief
Consumer complaint received 2022-04-02
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX Balance {$110.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$30000.00} XXXX  XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$23000.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX Balance {$25000.00} XXXX XXXX XXXX XXXX XXXX Balance {$23000.00} Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-03-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX 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 2021-05-13
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am getting calls for apparently debt collectors without knowing what it is for. 
The numbers calling:XXXX XXXX XXXX I would like this to stop since I do not even know if perhaps the person that owned my number is the one that they are trying to contact.

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 2023-03-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking/savings account package with Citi Bank through a promotional offer. The offer was that if I maintained a combined balance of {$15000.00} for XXXX days, Citi Bank would give me {$400.00} within XXXX days after the XXXX day balance requirement was met.

I opened my account on XX/XX/2018. The {$15000.00} balance requirement was fulfilled on XX/XX/2018. XXXX day requirement was met two months later in XX/XX/2018. XXXX days had passed in XX/XX/2018. I called Citi Bank as I had still not received the bonus. The customer service representative could not help me and opened a case to investigate. Case was opened on XX/XX/2018. I called again on XX/XX/2018 as I did not receive any updates. The customer service representative had no updates and had no information on the investigation. The representative told me to continue waiting. The representative offered to open another investigation, however could not provide a timeline of when the investigation would be resolved.

Citi Bank shows no urgency or respect for my time, nor do they show that they care that they are misleading their new customers with a false advertisement promotion.

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 2020-08-11
Company: Rocket Mortgage, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for re finance of my mortgage from quicken loans, i was assured that if quicken loans will not able to approve my loan they will refund my my deposit money {$470.00}. 
I never sign a document which explains that if quicken loans refuse my loan they will not refund my deposit money. 

When I asked you are refusing my application therefore please refund my deposit amount I am being denied, I was cheated and my loan number XXXX and deposit agreement can be seen I had not signed.I request you to please take a proper action for the recovery of my deposit money. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX Ph XXXX XXXX XXXX

Company response to consumer: Closed with explanation