BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-22
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We opened an account in XXXX. It was around XX/XX/XXXX. It should have included a credit protection option for unforeseen financial economic hardship, which should have been provided to us. I contacted XXXX Bank in XX/XX/XXXX with a letter explaining that our daughter had experienced a extenuating life-threatening medical hardship, which resulted in her being in the hospital and ICU for 34 days. I communicated this in XXXX of XXXX, along with numerous calls to XXXX Bank regarding each account that we had associate with XXXX Bank. In turn, I also raised a customer complaint online as they instructed me to do, however to no avail. No one attempted to help us with this extenuating financial circumstances as result of job lost and my daughter 's life-threatening medical condition. In turn, I continued to receive calls regarding the account. At this point. I have received over 100 multiple calls from different pepertrated numbers from this credit collection agency and others regarding this account, which has caused undue mental stress and anguish along with the other circumstances that occur with my daughter and me experiencing a long term job lost. I am currently seeking work as well. My husband is also a XXXX Vet and we are both XXXX military veterans. We have served our country well. This undue harassment and bias treatment regarding their collection practices is wrong. We attempted to implement the credit protection plan, which would have allowed one up to 24 months plus of deferment/ suppressing monthly payments given the circumstances. Also, overinflated interests and penalties are incorrect as well which they have in the balance from both XXXX Bank and Midland Credit Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
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: Investigation took more than 30 days

Complaint:
I recently disputed some late payments that are reporting on my account as to any " transactions or experiences being excluded '' from any consumer report. Therefore, I shouldn't have that information being displayed on my report according to the definitions and exclusions of the word " consumer report '' Pursuant to 15 US C 1681 a Definitions : rules of construction ( d ) consumer report ( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I sent all three credit bureaus a certified letter, requesting an investigation in to this hard inquiry from XXXX XXXX on XX/XX/18. It has been well over 90 days and they have never responded back. This has cause me a great hardship in my life as well as stress and has caused my credit score to drop drastically which has led to me being denied credit and home loans. The three bureaus have violated the FCRA, laws that are in place to protect the consumers. They're suppose to report accurate information and they have a responsibility to respond to all consumers within a timely manner.

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 2022-10-02
Company: Experian Information Solutions 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:
so today i have finally viewed my consumer report for the first time in years and i have noticed so many fraudulent and negative information on my report that i have no idea even existed on my report. i never initiated any of these credit transactions. i would really like these things to be removed because i dont have a clue as to who put these things there. Inquiries from XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  XX/XX/XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). My birthday is incorrect which should be XX/XX/XXXX. My only address is XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. My name is XXXX XXXX. XXXX XXXX XXXX Acct # XXXX and XXXX XXXX  XXXX Acct XXXX XXXX needs to be removed immediately also because those accounts don't belong to me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent a handwritten letter on XX/XX/XXXX regarding fraudulent hard inquiries that were posted on my account to all three Credit Bureaus. 

I put them on notice having understood they have violated 15 USC 1681 ( B ) As I have the right to privacy and a consumer reporting agency can not furnish an account without my written instructions. Both together and separately my consumer and privacy rights are being violated. I demanded that my account be cleared of the following hard inquiries :. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The first response that I received was from Experian. So this complaint is directed toward that company. I reminded them that it is the duty of the bureaus to accurately report information which as of now is not being done. 

The response I received from Experian on XX/XX/2022 is that they claim to have completed an investigation but did not complete the requested removal. 

They said that the records of the request had been updated. But my credit report reflects that they did nothing about these hard inquiries.

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 2022-10-26
Company: HW Holding, Inc
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lived in an apartment community, my lease expired and I moved out with proper notice. I received final notification from apartment community that stated I was leaving with no balance and proper notification. Company placed a bill with collections, and I have contacted to get this resolved. Apartment management stated they do not show a balance for me and can not assist if there is no account with money owing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: UT
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:
Someone stole my identity and got a loan with a company called Cash Central. They've been trying to collect it for over 5 years. I've sent documents related to the identity theft four times now and they still are trying to collect. It keeps getting sold off to other debt collection agencies and they keep trying to collect this debt.

I will no longer keep sending documents when when I have done it so many times. I believe the original date was 2015 and approximately {$2000.00}. I did not receive any funds from this company and I will not pay them or any of the five collection agencies that have contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
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:
In accordance with the Fair Credit act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2019-04-20
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: Personal information incorrect

Complaint:
sent out letter with copies of my driver 's license and social card and utility bill to get my address updated and haverequested to delete other address that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: Experian Information Solutions 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:
I reviewed my XXXX XXXX and noticed I had some transactions that are reporting late on my consumer report. According to 15 USC 1681 ( a ) ( 3 ), Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments with the following accounts : XXXX XXXX : Account # [ XXXX ], XXXX XXXX  : Account # [ XXXX XXXXXXXX XXXX : Account # [ XXXX ], XXXX XXXXXXXX : Account : [ XXXX ], XXXX XXXX XXXX XXXX : Account : [ XXXX ], XXXX XXXX XXXX : Account : [ XXXX XXXX XXXX XXXX XXXX XXXX : [ Account : XXXX ] XXXX 

Please investigate and provide proof with statements showing that these transactions were late. If proof can't be provided I demand that these payments be updated on time with no late payments reporting at all as they should be as I was NEVER LATE.

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 2023-04-19
Company: EQUIFAX, INC.
State: MI
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 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX MI XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
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:
I have contacted these three companies since XX/XX/2020. I have yet to receive any mail from them in regards to any accounts reporting on my credit report. I have the right as a consumer to have every account on my credit report verified which they have failed to do! 

At this point I am distressed at the lack of response. I have children and am trying to purchase a home and this is really affecting my ability. This is delaying my process. 

I am distressed that you have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information therefore needs to be re-investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
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.

has violated my rights. Or a list of inquiries : 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 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 2022-10-26
Company: Amsher Collection Services, Inc.
State: NY
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:
Hello here are a few details about the debt collection. 
I have been using XXXX XXXX service for the last 3 years or more, One morning a man stooped me and asked me to reconnect XXXX XXXX and I said their bill is higher but he said give me a good deal I responded I'm using XXXX can't cancel now than he said don't worry I send you equipment and whenever you feel good to install it and you will be charged from the time. So he sent that equipment box and I NEVER CONNECTED THE SERVICE and return the equipment box after a month, I couldn't return it because I was busy with my daily life, and they sent me the {$150.00} bill without using their single MB of internet. Which is unfair and their agent is a liar. I spoke to the XXXX many times about it but they just ignored my statement. I think they are doing wrong and hopefully CFPB will help me to remove this notice. Thankyou!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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:
After previous dispute was closed, complaint to the CFPB # XXXX. A collection account was deleted, then allowed by Equafax to be re inserted and RE-AGED ( A serious violation to the FCRA ) as a new account : XXXX XXXX  XXXX, deleted then re inserted as ( Original Creditor XXXX XXXX XXXX ) with a new re opening date of XX/XX/XXXX. XXXX XXXX, XXXX REMOVED IT'S NAME AND JUST LEFT ( Original Creditor : XXXX XXXX XXXX ) but the collection company name has been removed. It previously had an opening date of XX/XX/XXXX, also changed the comment section, copies of credit report sections are provided. The statue of limitations have expired to collect, in the State of Texas a returned check has only a two year limitation which has expired and are illegally trying to collect as a current collection. In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX, XXXX OR XXXX XXXX XXXX Account # XXXX has violated my rights under 15 U.S.C. 1681 section 602 A States I have the right to privacy, 15 U.S.C. 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 2022-10-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that need to be UPDATED. The XXXX ans XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
TOYOTA MTR XXXX Date Opened : XX/XX/2018 Balance : {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Twice now my auto finance company, tdautofinance.com, in XX/XX/XXXX and again on my statement in XX/XX/XXXX, has listed payments i have made, on time in the full amount listed, incorrectly as less than my check states. Both times my checks were read incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau 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 accounts that are reporting on my Credit Reports : XXXX XXXXXXXX XXXX {$1300.00} XXXX XXXXXXXX {$1200.00} XXXX XXXXXXXX {$1600.00} XXXX XXXX {$510.00}

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 2018-04-17
Company: CL Holdings LLC
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:
2 weeks ago NO action # XXXX I never got a response from you people. NOW once again these opprobrious incompetent XXXX at XXXX are still blundering away with some flim-flam scam of fraudulent new claims or new collections on what exactly?! # These XXXX XXXX charge and collect a fee then allow anyone to harass cheat enrage me with malignant unproven collections!!! This garbage is NOT new!!!! I just got informed from XXXX   part of OPM 's breach and free monitoringof my credit reports!!! WHY are these clowns at XXXX  blundering away with phony fraudulent claims of collections?! # I never received any mail from derelicts at XXXX XXXX XXXX? Collecting what and for who? All bad debt has already been charged off by everyone, can only be there 3 more years. Obviously this must be those corrupt and petty thieves at XXXX still trying to cheat and aggravate me!! I told you countless times XXXX never refunded or credited me my ( 3 ) lines and {$680.00} in advance payments they stolen??? Plus these XXXX cramming/deceit infamous lawsuit. They thought they couldget away with scamming me with that worthless XXXX tablet that I sent back within 14 days, continued to scam me with overcharges duplicate billing for trying there unpopular countless complaints about google tablet. I had to write california attorney general countless times before I got some phony and specious credit. NOW these XXXX  clowns state settled in my credit report and yet still continue with these XXXX scandalous collections

Company response to consumer: Closed with non-monetary relief