BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: EQUIFAX, INC.
State: IL
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:
After sending information to verify myself with my disputes, Equifax has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the enclosed document Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX  XXXX never late INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: EQUIFAX, INC.
State: FL
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:
A hard inquiry was submitted by XXXX XXXX XXXX XX/XX/2020 which I never authorized. I have called XXXX XXXX XXXX and Equifax multiple times to correct. The XXXX XXXX XXXX rep verified there was no reason for the hard inquiry and for me to request Equifax remove it & ask for a ref # to give to XXXX XXXX XXXX. The Equifax rep refused to submit the dispute she said the lender needs to do it. I advised the Equifax rep XXXX XXXX XXXX informed me to dispute and request reference #. The rep told me I will have to wait 2 years for it to drop off or I should file a police report stating fraud. I will not wait 2 years & I will not file a false police report stating fraud b/c I dont know if someone accidentally typed my ssn for inquiry since no actual account was created. I asked for an Equifax supervisor and after I held 15 minutes Equifax dropped or released the call. Equifax has denied me the right to dispute an inaccurate inquiry in which Equifax can verify with XXXX XXXX XXXX I didnt authorize. 
I filed case # XXXX with XXXX XXXX XXXX rep XXXX in TX for verification although his dept cant call Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 submitted numerous disputes over the period of more than 180 days concerning inaccurate information on my credit reports. I never received notification from the credit bureaus that my disputes were even looked at.

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 2023-09-09
Company: NCB Management Services Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX while living in XXXX md, I signed up for XXXX XXXX, with an 18 month contract. Within the contract they were supposed to provide internet that could support streaming and cable for XXXX a month. Long story short they could not provide speeds that supported their own on-demand features and the account was downgraded to cable only for XXXX. XX/XX/XXXX I took a new job and moved to XXXX. Paying my final bill and closing the account. Keyword ... XXXX. The debt this CA is trying to claim on my credit report is one, inaccurate as the debt was paid and the account closed. More importantly, they are falsifying the dates for XXXX so they can impact my credit for the 7yrs its allowed and try to scam and extract money from consumers not owed. This company needs to be investigated for their attempts at collecting on a debt not owed, falsifying amounts and most importantly intentionally listing inaccurate dates to drive up their probability of payment on a collection. It is their responsibility to list the CORRECT and true information of a debt. I don't know how long this has been going on but I find it completely unethical for a CA to use such dishonest tactics to scam consumers and attempt to extort them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Zions Debt Holdings
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company purchased the debt from another debt collector who purchased it from XXXX in XXXX .... The company held onto the debt with out any notification until XX/XX/XXXX and then tells me I owe them interest ..... This is a scam. 

They should have provided immediate notification of buying the debt and pursuing charges. Instead they banked up and insane amount of interest and wait until the last 50 days before their final collection debt to attempt to collect it. 

I called the company and the Spanish lady was very arrogant and lippy. I explained the debt had been settled and they still advocating that I owe. She proceeded to over talk and use profanity in XXXX and hang up on me nearly 7 times when I called back trying to resolve this matter. Finally I got some English speaking guy explained it all and he is sending me some of the documentation. 

I feel a complaint needs to be longstanding against this company for the corrupt practice of harboring the debt allowing the interest to cascade and their license to operate in the state of Idaho revoked.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: MD
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 2023-09-09
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Ive had so many lenders that Nelnet ( my current lender ) only has my payment info beginning in XXXX. I started making payments in XXXX with XXXX. XXXX is now out of business & I cant get even get anyone from Nelnet on the phone to resolve this. I wanted online for almost XXXX hours today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 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 non-monetary relief
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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  and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2023-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I took out a student loan from XXXX for XXXX XXXX in order to finance my XXXX XXXX in XXXX XXXX from the XXXX XXXX XXXX XXXX. XXXX then disbursed the entire amount {$12000.00} to the XXXX XXXX XXXXXXXX, which uses a third-party bank, XXXX XXXXXXXX XXXX to disburse the check to me. XXXX XXXXXXXX issued me a check on XX/XX/2022 made out to my maiden name, XXXX XXXX XXXX. See attachment XXXX. I attempted to deposit this check, along with six other checks made out to my maiden name, to my Bank of America Checking Account through Bank of Americas mobile app on XX/XX/2022. See attachment XXXX and XXXX. As you can see from this statement, I had a balance of {$9400.00}, which included the deposited check for {$6300.00} that I intended to use to pay down my student loan. On XX/XX/2022, Bank of America sent me a letter saying that they are closing my account and will return the funds in the checking account to me, but that the decision to close my account would likely affect my credit. See attachment XXXX. On XX/XX/2022, Bank of America then sent me a letter saying that they had closed my account and would only issue me a check for {$3100.00}. They said that they have frozen the remaining funds ( the check for {$6300.00} ) and they would not be returned to me if the check was determined as stolen or fraudulent. See attachment XXXX. From the attachment XXXX you can see that this closure and report of fraud did go on my credit report. I have been unable to open another bank account since it was reported to XXXX XXXX. Bank of America said I had to get the money back from XXXX  XXXX, and XXXX XXXXXXXX needs to initiate a BANK TO BANK Recall for the money. I have been calling XXXX XXXXXXXX XXXX XXXX department to try to get this issue resolved for more than a year. They have told me that they dont have a procedure to do a bank-to-bank recall. They requested a police report and then a sworn affidavit as to what happened. See attachment XXXX Now, after submitting the documents they requested, XXXX XXXX has closed my complaint and told me that I must get the {$6300.00} from Bank of America. See attachment XXXX. I still have not received my {$6300.00} that would enable me to pay down my student loan, even though I have graduated by now.

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 monetary relief
Consumer complaint received 2023-08-01
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I'm getting repeated calls to my recently purchased phone number. Calls come from Americollect asking for payment of the debt and requests to call back at XXXX, although I have never used the services of this company and have no debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I. XXXX the bank on XX/XX/2019 spoke with a representative at citizens bank to see if I deposited {$50.00} if that amount of deposit would be sufficient. He stated yes. This morning I wake up and my account is overdrawn {$65.00} there stating that the {$50.00} I deposited wasnt not sufficient but it is. I had {$12.00} plus the {$50.00} is {$62.00} My 2 transactions arent coming out until XX/XX/2019. 
This bank wants to make up there own rules. And charge me XXXX twice.

Citizens bank. 
Now my account is going to keep getting negative until I can get enough money to cover the overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Aldous & Associates, PLLC
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:
I respectfully request your offices provide me with competent evidence that I have ANY legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to ANY of the 3 credit reporting agencies ( XXXX XXXX and or XXXX ) this action may constitute fraud under Federal and State Laws. Due to this fact, if any negative marks are found on ANY of my credit reports by your company that you represent, I need them removed from all 3 credit reporting agencies. I also need documentation stating you removed the item from my reports. This has caused me to be denied for credit, apartments and loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
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:
I sent over serveral affidavitts about this fraudulent items and most of the fraUD ACCOUNTS WERE DELETED EXCEPT 2. XXXX XXXX XXXX ACC # XXXX, OPEN ON XX/XX/18. THE 2ND ACCOUNT IS XXXX XXXX ACC # XXXX, OPEN ON XX/XX/18. THESE TWO ACCOUNTS GOTTEN REINSERTED ON MY CREDIT REPORT WITHOUT ANY DOCUMENTATATION OR PROOF.i PROVIDE THE POLICE REPORT AND THEY STILL WONT DO ANYTHING.

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 2023-08-01
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am a customer with Webster Bank. For at least one week, I have been unable to access my checking account via Webster 's website. As a result, I am unable to use the various online services that Webster offers, including monitoring account activity and making payments. Additionally, I have no way of knowing whether the various automatic payments and credits are being processed ( direct deposits, mortgage payments, utility bills, etc. ). Webster Bank has been completely unresponsive in addressing this issue. When I first contacted them about this, they told me that it would take XXXXXXXX XXXX to resolve. Since that time, they have now stopped answering the phones and they have not responded to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Several fraudulent debt collection accounts are being reported on my XXXX, XXXX and XXXX credit report. I have contacted these companies multiple times, sent in my identity theft report and they have yet to remove from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MA
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:
Rausch Sturm has tried collecting a debt that is over 10 years old. In less than a weeks time they sent three letters trying to collect payment i wasnt even aware of. I called them the young lady said it was from a company name XXXX XXXX never heard of them. I explained that i dont know who they are she said it was from XXXX and XXXX. I am in my massachusetts and the statue of limitations is 6 years here. I told her this is too old to collect. She agreed and today XX/XX/XXXX i receive another notice with a copy of a judgement that was made in XXXX which i was never aware of. I have called and asked them to stop reaching out but it has not helped.

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 2018-08-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
HSBC sent a letter of intent to foreclose on a property that was sold to and being serviced by another lender, XXXX XXXX. HSBC would not return my calls. I sent a letter to the local attorney by certified mail, responding to a notice ( asking who owned the loan, who serviced the loan, and total amount due on the loan ) and the attorney never responded in writing or returned any of my repetitive messages. HSBC filed a document with the XXXX XXXX XXXX XXXX XXXX with someone else 's name as an owner on my mortgage foreclosure documents. Someone named XXXX XXXX was signing off on my mortgage foreclosure and I don't even know her. The proof of affidavit was delivered and signed by XXXX XXXX. She was never on the loan that I acquired and never on the deed. Something wrong has gone on which is why I am unable to get any answers. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted several disputes because of XXXX XXXX that are not mine and they haven't mailed proof of the original documents if these were in fact my debts. This makes me question all inaccuracies. The disputes that I submitted were updated in one day. They didn't DELETE ANYTHING THAT WAS INACCURATE AT ALL!! They are violating my rights as a consumer. There are not even full account numbers. ( XXXX ) reads as follows ... ... ..Receivables XXXX XXXX XXXX AND XXXXXXXX XXXX XXXXXXXX XXXX I never entered into any agreement with them ... .I demand that these Collections be removed! They don't even have full account numbers. 

( EQUIFAX ) reads as follows ... ... account for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never entered into an agreement with them either and they never provided proof. These all violate my consumer rights and are reporting inaccurately I demand that they be removed. 

( XXXX ) Doesn't report accurately either for XXXXXXXX XXXX XXXXXXXX. There is no account number at all! These all violate my rights as a consumer ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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:
This is my second time requesting 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 items : XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$6400.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XX/XX/2021.

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
n 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 a 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 non-monetary relief