BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I continuously received bills in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I get my report back and I was furious with the amount of items I saw on my report that I know do not belong to me. Please remove these items from my credit report. 

XXXX XXXX {$23000.00} AUTO ACCEPT XXXX {$9900.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt to pay I was never in the hospital

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 2023-01-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ITEMS BELOW ARE INSTANCES OF IDENTITY THEFT I DID NOT AUTHORIZE THESE ACCOUNTS. 
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 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 2022-02-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2018-04-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On or aroundXX/XX/XXXX, I applied for a Best Buy Credit Card through Citibank for the purchase of some home appliances. The promotion for this card was a 12 month interest free period to payoff the balance of about $ 3k. During this time my sales agent from Best Buy was XXXX XXXX and we both had to call Citibank at the time of the application ( while in store ) and speak with a representative to obtain my SSN information to run the credit check and receive my approval - which I was ultimately approved.

My first bill from this company I was not assessed any interest. However my most recent bill for the XX/XX/XXXX billing period reflects an interest charge of {$73.00}, which from my understanding with the promotional rate should not have occurred within the 12 month period.

In this complaint I am attaching my initial sales purchase from XX/XX/XXXX and my most recent Citbank bill for this card. I also spoke with XXXX  from the institutions customer service department ( employee ID : XXXX - out of the XXXX ) and she stated that there was no " promotional rate '' showing on my account but it may likely be an oversight.

I believe this to be a UDAAP issue, as there was nothing I could have done to avoid this interest charge. Additionally, I am concerned of a broader impact to others who may have entered into this promotional agreement with Citibank, that may have been adversely impacted.

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 2023-03-12
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. 
Account name : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
After working with XXXX loan and XXXX XXXX, I processed a " deed in lieu '' on my mortgage and not only was it satisfied, they gave me {$10000.00} because I left the property in excellent condition. It was gone from my credit report, but suddenly re-appeared XX/XX/2019, bringing my normally stellar credit down to Good and then Poor!!! When I tried to contact them, I found out they were sold to XXXX XXXX  services. I contact them and was told, in fact, I was correct, but since they are not XXXX, they could not remove it. The best they could do was send me an email confirming that I no longer should have this info on my credit report. I will attach a document with the email contents. The contact information is XXXX XXXX XXXX in the Escalation Department toll free at ( XXXX ) XXXX or email XXXX at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: HYUNDAI CAPITAL AMERICA
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
As you can see two payments one year apart did not apply funds to principle. XX/XX/XXXX payment of {$370.00} principle- {$310.00} interest- {$63.00} but only {$60.00} was credited to account. XX/XX/XXXX Payment XXXX Principle- {$290.00} interest- XXXX But XXXX $ was credited to principle. Not to mention the interest charged on the XXXX for over 12 months. So that breaks down to {$600.00} not including the charged interest of 8 %. I am trying to pay off this loan to get a lower interest rate. they seem to be dragging there feet as they continue to charge me interest daily. I called on a Monday they said call back fri or Monday following week. it has been 2 weeks and still no one is fixing this issue. They keep playing and saying there is no way for us customers to get a hold of that dept.

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 2018-08-24
Company: Gold Star Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I currently am trying to find a new job after losing my first one. Since then I have not been able to pay my loan and I have explained this. I am being harassed constantly by gold star finance. XXXX XXXX comes to my house embarrassing me in front of my family and friends telling me I need to come in and see her. I also have been receiving several phone calls and left several voicemails everyday from gold star. I'm just sick of it. They threatened to come take my belongings as collateral and damage my property to do so. It's very depressing. When I get the cash I can come pay them. Other than that I really wish they would stop harassing me. It makes me want to just end it. I can barely pay my Car note. This Is a small town with XXXX employers and they won't hire me anywhere. Ive been trying to move so I can pay my bills but I have no gas money to keep driving. The XXXX all starts with losing my job then being harassed by loan companies. I hate my life because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
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: Account status incorrect

Complaint:
TransUnion LLC XXXXXXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : 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 2022-08-07
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
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: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: NY
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:
Once again, I find myself dealing with an issue concerning the Equifax Credit Bureau. I've noticed that this credit bureau had not made some necessary updates to my credit report. As a result, I'm kindly reaching out to the Consumer Financial Protection Bureau ( CFPB ) for their assistance in promptly resolving this matter by completely removing the fraudulent inquiries. And while the XXXX have removed some fraudulent inquiries, two inquiries were still present in my credit report. Below, you'll find a list of the outstanding inquiries that need to be taken off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WI
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. Very little was done to notify the public for nearly a month after the breach was detected - I received no email, letter, or phone call and instead had to discover it via social media on XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Sequium Asset Solutions, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  alerted me to my XXXX score decrease and upon doing so I saw that the derogatory XXXX  on my XXXX report that I supposedly opened a account with XXXX XXXX XXXX on XX/XX/2023 for {$650.00} when I know I don't owe anyone anything. I have worked hard to regain my financial independence and now this please help me clear this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: LEXISNEXIS
State: OH
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:
Called XXXX  and was told they would not investigate unrecognized inquiries on my report They are not correctly verifying items on my credit report I have disputed items in the past and they keep coming back as verified but no real investigation is being done by a live human being. I have uploaded letters from the court system stating that XXXX  has not reached out to them and that they have not verified any information. I was informed that XXXX  uses a third party provider and they pull information from public records. I have not authorized anyone to access my personal credit files

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX is reporting to the credit bureau that we are 30 days late on our XXXX payment. This information is incorrect. Our mortgage was paid by 3rd Party HAFS program. The program states our mortgage for XXXX was paid on XX/XX/XXXX. BSI has misplaced the payments or applied them to the wrong account. We are not responsible for incorrectly applied payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Experian Information Solutions 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:
I applied for a XXXX XXXX credit card today XX/XX/20 and unfortunately, I was not approved because there is an account and a few inquiries reflecting negatively on my credit report. The account is from a company called XXXX XXXX XXXX XXXX and the inquiries are from several different companies all of which I did not apply for and do not have any type of signed contract or agreement. None of the inquiries and account I listed on this report do not belong to me and I did not allow anyone to open this account or make these inquiries in my name. I did not benefit anything from these items being open in my name such as money, goods, services or any other benefit nor did I ever contribute to any payments made towards this account. I already filed a police report regarding these suspicious items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Oliver Adjustment Co.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX called OAC. I disputed these on XXXX XXXX, they were removed, and then put back up again numerous times. How many times do I have to keep disputing them. I have XXXX and XXXX, my insurance XXXX covers the remaining balance on everything, so if it's going to collections, it's because they're not doing their jobs and billing XXXX. They have all my proper information, and I even confirmed it with their billing department over the phone. I finally got my credit to a good number, and these XXXX keeps billing me these charges that insurance has paid for already, and there should be a log of that. Isn't it illegal to do this to someone's credit? We're in 2021 now, I am on XXXX and have been for XXXX years.. I collect XXXX, and don't work, I make about {$500.00} a month, isn't there some sort of relief out there? We shouldn't even be having this conversation, because these were already paid off by insurance. Some of these date back to XXXX how is this possible? 

Recently I reached out to the company on their site, but got no reply back, which I honestly wasn't expecting one. OAC seems to do this to a lot of people from what I've read in XXXX them for their last cent, and going after people who actually can't afford it.. harassing them. 

I don't have anything that says they were paid for, unfortunately, but my insurance should have that.. most of it is done digitally now. I think the problem is that XXXX XXXX did not bill my XXXX, instead billed me, even though I told them to bill insurance, they cover whatever XXXX doesn't, and that's why it's in collections. However, I told collections this, and they are not doing their job either in getting the money from insurance.. I'm sure you understand what I'm saying. So I can't have documentation of something when people aren't doing their jobs and billing the right people.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: GA
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 Convergent Account # ( LISTED BELOW ), 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. 
XXXX NAME ; XXXX # ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Chap 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