BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Never received any communication at all until XX/XX/21 and then suddenly receive text message, phone calls to my personal phone, phone calls to family members. Family members called me concerned about it. This is absolutely inappropriate. I do not owe any debts to this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX : {$560.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: NV
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX SAHARA AV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have attempted to contact this company on numerous occasions to find a solution to the debt they claim as owed. Most recently I emailed them at the contact listed on their website, Support@AdAstraRecoveryServicesInc.com These communications took place on XX/XX/2021 and XX/XX/2021 and the company refuses to respond. 

As a result, I have disputed the validity of the debt with the credit bureaus and they find the time to respond that inquiry but not to the person actually trying to solve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: MO
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:
Experian customer service rep had me disconnect and connect my XXXX and it screwed up my whole account. I have have emails admit it's there problem on there end but can't or won't fix it it dropped my score and won't put it back and it wiped out a years payment history because the company changed its name from XXXX to XXXX and a lot more I emailed all evidence to experian and they are aware of a paid in full on a closed account and won't change it

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 2023-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX of this year, I filed a complaint with the CFPB concerning Bank of America taking money that was not owed them in Complaint # XXXX. This is a related yet different complaint about that situation. 

I was contacted by XXXX XXXX from Bank of America 's Regulatory Complaints Operations department asking me to contact her about whether or not I was the person who initiated the complaint. She gave her available office hours and asked that I call during that time. However, she did not give a phone number at which to reach her. I have included a screenshot of the email in question as evidence. I sent three ( 3 ) emails trying to engage her in regards to my initial complaint. All of them have gone unanswered. I find this to be typical of Bank of America 's attitude towards customers and clients. Further, I feel this is an attempt by Bank of America to avoid accepting responsibility and strongly encourage the CFPB to investigate the matter in their full official capacity under federal law.

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 2023-09-08
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently reviewed a copy of my report and I was shocked to learn that I have been a victim of identity theft. I found this account on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  Account number : XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX , has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2 consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have an open loan with Freedom Mortgage, I have been trying to refinance my mortgage. When it came down to the final paperwork, after I had received a higher appraisal they upped my fees. I contacted them about this. They said they had been working on it a long time and they deserved those fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: NC
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 stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Jefferson Capital Systems sent me a payment offers letter dated XX/XX/, which I received on XX/XX/. This is the first notification I received from this company about an account that I supposedly owe. The company did NOT send me a validation letter/notice prior to this payment offers letter. I received no communication from this company prior to the payment offers letter. This is illegal. The company is required by law to send a validation letter first, before attempting to collect. This was absolutely not done. The company can not collect this debt, can not report this account to any credit reporting agencies and must cease all collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I would like to file a complaint against three credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 


Sincerely, 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 2023-10-02
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about Friday, XX/XX/2023, I received in the mail a debt collection letter from Southwest credit systems , L.P. ( Southwest ). In the debt collection, letter, Southwest claimed to be collecting a debt of {$110.00} on behalf of XXXX. The debt collection number provided a reference number and contact information. 

I contacted XXXX who confirmed that a bill was never sent to Southwest for collection. XXXX informed me that this is an ongoing and prevalent issue with Southwest and that XXXX no longer accepts payment over the phone because of Southwests fraudulent activity. 

It should be noted, that I did in fact have a bill with XXXX, in the amount of {$110.00} - precisely the amount Southwest alleged they were attempting to collect. I have paid this amount already and directly to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a vacation package in XXXX of XXXX in the amount of {$1900.00} and used my Comenity XXXX XXXX to pay for the purchase. I received an email from the company on XX/XX/XXXX, reminding me to send back, among other items, a copy of my ID to activate my package. I began to become suspicious and responded to the email on XX/XX/XXXX, saying I wanted to cancel, that I would not be able to use the vacations. I realized it was a scam when the charge still went through. I had auto-pay set up and Comenity attempted to debit the payment twice, but I did not have sufficient funds. I was dealing with medical issues with family members as well as working and finally contacted Comenity, around XXXX or XXXX I believe, to tell them I had been scammed. I kept being told to call back which was difficult to do while working. When I would call in, I was subjected to hold times as long as XXXX minutes or more. When I would finally reach someone I would get vague non-answers. The last person I spoke with, near the end of XXXX, finally told me they were waiting for a copy of my cancellation letter/email to the company as proof. This had never been communicated to me previously, despite the numerous times I had spoken with Customer Service. I uploaded the cancellation email on XX/XX/XXXX to the Message Center on the Company 's website per the Representative 's instructions. I spoke with Customer Service today, XX/XX/XXXX, and was told they " are still working on it ''. This has gone on far too long and is unacceptable. Comenity also lowered my credit limit which I do not agree with whatsoever. I have also had repeated fraud with this account and wonder why Comenity is not protecting its customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-16
Company: Experian Information Solutions Inc.
State: TN
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:
This is my second complaint against Experian. In regards to my first complaint ( Case Id # XXXX ). I sent Experian an affidavit of Truth ( sent XX/XX/2021, dated XX/XX/2021 ). I attached two proofs of Id ( photo id, and a utility bill, and a notary attachment, and an FTC report ( # XXXX ). Which is more than enough to verify my identity. However, Experian sent dispute results ( dated XX/XX/2021 ) saying I need to provide them more information in order for them to act upon my request for them to remove the fraudulent inquiry on my consumer report. Pursuant to 15 U.S.C 6802b ( A ) ( B ) ( C ) financial institutions may not directly or through any affiliate, disclose to any non-affiliated third party any non-public personal information unless such financial institution provides or has provided to the consumer a notice that complies, I did not authorize the inquiry XXXX ( see attachments ). In regards to the collection accounts furnished by XXXX XXXX ( see attachments ) this is a violation of my HIPPA rights pursuant to 45 CFR 164.502 no such entity may disclose protected health information, except as permitted or required, pursuant to an authorization, and agreement, which was not given. I have also disputed the same accounts from XXXX XXXX  with XXXX and XXXX, and both have deleted these accounts. ( see attachments ) Experian has violated my rights as a consumer and they are civility liable pursuant to 15 U.S.C 1681XXXX. I am demanding they delete all the incorrect, inaccurate, or wrong spelling of my name ( it should match my driver 's license- see attachments ) addresses and employers and delete all the accounts and the inquiry and mail me an updated copy of my consumer report. 

Attachments included 1. Affidavit of Truth 2. Photo Id 3. Utility Bill 4 Certified Mail Recepit 5. certified mail Green Card 6. Identity Theft Report 7. Experian Credit Report ( disregard disputed items- personal information ) 8. Experian Credit Report ( disregard items- inquiry ) 9. Experian Credit Report ( disregard terms- collection accounts ) 10. Copy of dispute results from XXXX 11. Copy of dispute results from 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 2023-10-09
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: NV
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company response to consumer: Closed with non-monetary relief