BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XX/XX/2023 I received a notification from XXXX that a collection item had been placed in my XXXX credit files by I. C. Systems , Inc. in the amount of XXXX  XXXX ( XXXX ) dollars. To be clear I have not received a collection notice from I. C. Systems , Inc.. Given the amount, it would appear to be an item that was returned to the alleged original creditor " unable to collect '' because the former collections agent was unlawfully engaging in collections without license in my state. I asked that agency to verify and validate the alleged debt -- they did not. I asked the collections agent to provide me with a copy of the bill that substantiated the alleged amounts owed to the original creditor -- they did not. I asked for the name of their registered agent in my state, their business ID, and their license number with my state 's regulator -- they refused. Now, per the FDCPA I have thirty ( 30 ) days after receiving a collection notice to dispute the alleged collection item. Customarily the collections agent does not place a collection item within credit files until the debt can be verified and validated after notification of dispute is filed by the consumer and/or payment for the alleged amount is submitted before the thirty-day period has lapsed. I have received no collection notice and thus have been unable to exercise my right of notice and opportunity to be heard. As an individual that is employed by a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my finances are periodically reviewed and I am required to handle financial issues within close proximity to receiving notice. This makes right of notice crucial to mitigate any concerns, or perceived concerns, surrounding issue of national security. Finally, to mitigate any distractions that may arise from civil issues, we are given the ability to obtain counsel through a third-party as a part of our employment benefits. Given the nature of my employment, financial matters are of utmost concern.

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 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
See attached documents detailing blatant violations of my consumer rights

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 2022-03-01
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number : 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 explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions 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:
I have attached an FTC report with inquiries I did not authorize and need them deleted asap

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 2023-02-28
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
XXXX, XXXX  I had a balance of {$780.00} due on my Macy 's credit card. I initiated a balance transfer from my XXXX XXXX with XXXX XXXX  of {$780.00} to pay off the Macy 's card. In XXXX I noticed there was no action taken so I called them for an explanation. On XX/XX/2022 they sent a letter stating that they sent a check, no. XXXX dated XX/XX/2022 for {$780.00} to the payee and the transaction was completed. So the account was put in dispute and after numerous phone calls, etc. Macy 's turned it over to the XXXX XXXX XXXX and they assured me the account was froze and no more additional fees would be charged. As of today, I have not received an answer on this and they keep sending me updated bills adding that fee. When I phoned XXXX to check the status, they couldn't tell me anything but that it was closed. Yet I got a note from my bank that they have flagged this and it could go on my credit report. I am so upset and have spent so much time on this. When I called XXXX today, they just disconnected me, like they didn't have an answer. I am begging you to please help me with this. That check was applied somewhere and no one knows. At one point they had my wrong birthdate and not sure that could have affected things. Please help me with this. Thanks.

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 2023-03-04
Company: Experian Information Solutions Inc.
State: CT
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:
Hello, I am writing to dispute the negative information on my credit report regarding my XXXX XXXX XXXX account the account number is XXXX respectively. 

I believe that the information on my credit report is incorrect and unfair. I have been a responsible borrower and have always made my payments on time. However, due to unforeseen circumstances, I was unable to make a timely payment on the bank XXXX XXXX account. I had a major injury in the left arm during XXXX and had to get a XXXX done. I had to physical therapy for the next 3 months and could not work. I paid back my due bill on XXXX as soon as I was able to get back to work. I was late there for 120 days and then paid them back. But XXXX XXXX XXXX closed my card and reported the late payments. 

I understand that late payments can have a negative impact on my credit score, but I am requesting that you remove the item from my credit report as it is not a true reflection of my creditworthiness. I have since paid off these debts and have taken measures to ensure that I do not miss any payments in the future. 

I would like to bring to your attention the Fair Credit Reporting Act ( FCRA ) which requires that all information reported by credit bureaus be accurate, fair, and substantiated. The FCRA also mandates that consumers have the right to dispute any inaccurate information on their credit reports. 

I would greatly appreciate it if you could investigate the matter and remove these items from my credit report. I am willing to provide any supporting documentation to help resolve this matter. 

Thank you for your attention to this matter. 

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 explanation
Consumer complaint received 2023-08-11
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: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : 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 2023-02-21
Company: Experian Information Solutions 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 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 instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2020-05-07
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: Account information incorrect

Complaint:
My XXXX XXXX XXXX  accounts should have been in a deferment or forbearance XXXX XXXX XX/XX/2017. My XXXX  loan is showing correctly but my XXXX  XXXX is not. I have filed multiple inquiries with the 3 CRA 's and with XXXX XXXX directly with no resolution. 
Each account with XXXX  XXXX is showing 6 DQ payments, for each loan and it is severely impacting my score. The information caused other card issuers to close my accounts in 2017. I was promised investigation by phone with XXXX without any resolution. Every-time I have called, individuals say they can see the error and submit a request to adjust but then nothing ever comes of 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 2023-02-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: I.C. System, 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:
IC System Inc., has not reported to the credit bureau truthfully regarding my account being closed and paid in full now. I have submitted a payment for my past due bill approximately XX/XX/2021 and have returned the cable equipment to the original creditor ( XXXX  ). I also have submitted the receipt for the returned equipment to the email provided by IC System Inc., The account still shows like the balance for the equipment is still owed.

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 2023-03-09
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: Account status incorrect

Complaint:
In XX/XX/XXXX a fraud charge by a XXXX XXXX in the amount of {$49.00} was charged to my XXXX ending in XXXX which has a XXXX balance. I was not aware of this charge until XX/XX/XXXX when XXXX called me advised me that my account is more than 60 days late. I then began a fraud dispute case XXXX. I called XXXX in XX/XX/XXXX to find out the status of this dispute and they said that the matter has been resolved and the account balance is now XXXX. They however said that a letter confirming this will be sent out which I never received. I then looked at my Experian report in XXXX of XXXX and was surprised to see that they had reported the account 30 days late in XXXX but OK in XXXX. I called them and was on the phone with 6 different departments and the matter still remains unresolved. I told them since this was a fraud, it should not be reported as late. When I spoke to Experian they said that XXXX has to remove this from their billing record for it to not show up 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 2022-10-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX I requested a " {$1.00} '' credit report from TransUnion. For the following 44 months, I was subscribed to a recurring, monthly {$17.00} subscription to a credit monitoring service I didn't want, was unaware of, and never used. 

My understanding is that the CFPB issued a case against TransUnion in XXXX, detailed in File No. XXXX, for restitution of consumers like me. Unfortunately I never received any information about this -- until today ( XX/XX/XXXX ). It seems that the practice of automatic subscription I was subjected to was deemed unfair and punishable. Unfortunately I was not contacted about restitution, perhaps because I moved twice during this time period. 

I contacted TransUnion today ( XX/XX/XXXX ) and requested that they refund me ; they agreed to a 5 month refund. I think it is fair to somehow claim the other 39 months, and would appreciate any help in doing so.

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 2023-03-01
Company: NETWORK FUNDING, L.P.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I would like to note, that I had pre-approvals through two additional companies. However Network Funding was willing to match the received offers, and my agent recommended. Moving forward, I was quoted two different interests rates not knowing neither were locked in. Also I had to repeatedly forward my personal documentation even after my supposed closing date. 
I was contacted by the title company, on my closing date. My settlement statement had been received and I was aware of my closing cost. I had my cashier 's check in hand, only to find out that my file was still in underwriting. I had to find out through the tite company, not my OWN loan officer. 
I had made several phone calls trying to understand the mishaps. Only to be forwarded to voicemail or to have emails requesting more documentation. I have forwarded the same documents more than once. As well as paying out of pocket for my homeowners insurance, per Network Funding request. I am at a loss, because I still can not get any answers as to how my file made it to title. Even with my settlement statement and I could not close.My deal falls through and I loose my earnest money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: The CBE Group, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2019, I was contacted by a man named XXXX representing a company called CBE Group claiming that I owe {$1700.00} to the Veteran 's Affairs Treasury. They claim that I was being overpaid and that they want to know how I plan to pay them back.I called my local financial office to view if the claims where true to which I have been told that I owe no debts and no financial statements have been mailed to me. So far I have collected his phone number ( XXXX ) and have collected the number in which the call came from ( XXXX ). I have not given this man my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Avant Credit Corporation
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX XXXX I applied for a small personal loan {$2900.00}. I went through the pre-application and the hard inquiry. I provided online ID verification through their system. I tried to provide them access to my XXXX XXXX Bank information by logging in through their special login page. I ran into an issue wherein I was asked a cryptic question that is not one of my bank security questions. I was called by Avant the next morning and I filed an issue complaint with them about the bank login. I received three calls on the following 3 days. Each of these callers had no idea of my complaint. Finally I had to escalate it through a supervisor. I spoke to my bank to verify that this was not a question on my account. I missed a couple calls from Avant that were placed an odd times ; dinner and such. Then on the 7th day I received a email that my application had been cancelled. I called and spoke to a supervisor who quite rudely and shortly told me to reapply. When I said that I would still have the same issue she cut me off and said, " I already told you the only thing you can do is reapply. '' I ended the call. They had my intent to proceed and my complaint filed repeatedly and still they closed my application early and refused to revisit it. I can not reapply because the inquiry without the additional account has pushed down my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: CBM Services, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IMPORTANT MESSAGE ATTN : CBM SERVICES ( CEO ) ( COLLECTION DEPARTMENT ) What I want to discuss here today is that I never gave you consent to share my information. None of the business I have here with you is public it is all private. And I did not give you consent to publicize it. It also states that are required to tell me that and you didnt. The fact that you are using my identifying and financial information and sharing it that is identity theft. Also, I have the right to full disclosure 15 USC 6802 Obligations with respect to disclosure. According to the Fair Debt Collection Practice Act your company did none f the following -speak with me in person about alleged debt -speak with me by telephone about alleged debt -Mail letter within 14 days -Send me any electronic communications within 14 days NO VALIDATION OF NOTICE ABOUT ALLEGED DEBT! 
YOU ARE IN VIOLATION! 

NO AUTHORITY AND NO CONSENT. DELETE THIS INFORMATION NOW. I HAVE THE RIGHT TO PRIVACY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: EQUIFAX, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief