BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-16
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This complaint is regarding Equifax. Because of their breach I was forced to freeze my credit with them as well as XXXX  and XXXX. I signed up with accounts, passwords and PIN numbers which were issued by said companies. Over the past several years I have temporarily lifted the freeze so credit could be pulled. I have had no problems whatsoever with XXXX or XXXX. Their computer systems work beautifully but to date Equifax has been a nightmare. Today I needed to lift the freeze so a local oil company could pull credit. As always I go the " system is temporarily down '' notice so I called the toll free number. One question asked what my payment amount was. A single payment loan does not have payments therefore I answered to what I thought was appropriate. Now my credit is blocked until I send personal information through the XXXX mail or fax ... .ie, copy of DL and copy of social security card. I called Equifax and tried to deal with person who spoke broken XXXX to no avail. 

I can not believe that a company which caused the computer breach that effected millions of people 's credit does not have a computer system that will accommodate consumers. Nor can I believe that through no fault of my own I am now relegated to sending personal documents through the mail which could be another disaster. Equifax has gone from allowing their computer system to be hacked to not having an operational system at all. To compound the problem they employ non English speaking individuals. 

I can not believe that a US company is allowed to operate under these conditions. I am sorely disappointed in this company and unfortunately I can not op out of dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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:
According to 15 U.S. CODE {$1600.00} CORRECTION OF BILLING ERRORS 15 U.S. CODE 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS This XXXX  XXXX account shouldnt be reported on my credit file as late, Also the balance of the account was discussed and updated but is still reporting to my credit file as charged off and not up to date, This company needs to update my credit file to reflect an up to date payment line and remove any derogatory remarks on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I do not recognize the transactions charged in my checking account listed below : 1. XX/XX/2021 - {$1900.00} 2. XX/XX/2021 - {$1700.00} 3. XX/XX/2021 - {$860.00} 4. XX/XX/2021 - XXXX 5. XX/XX/2021 - {$4000.00} On XXXX XXXX XXXX  I called for the first time to inform the bank what had happened. They provided me with the reference case XXXX. 

A couple of days later I received the refund for the {$4000.00} transaction and not the rest. All of them were made on XXXX. 

I received a letter from Citibank saying the " We have completed our review of your dispute for the transactions above, ( ... ) and determined you are responsible for the charges in question. 

I called again and I was instructed to write a letter asking to reopen the case and provide evidence to support my dispute. I got an email from XXXX saying the transaction was not authorized and the account which was used was already blocked. I also attached my XXXX purchases history. 

After that, I keep calling to follow up and never received a definitive answer. The case numbers below are for the follow-up calls : 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 explanation
Consumer complaint received 2018-03-16
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: Public record information inaccurate

Complaint:
AFTER RECEIVING A COURT ORDER TO REMOVE A CHAPTER XXXX FILING CASE XXXX  XXXX XXXX XXXX XXXX ORDERED A NOTICE OF WITHDRAWAL FORTHWITH FROM ALL PUBLIC RECORDS. THE THREE MAJOR CREDIT REPORTING BUREAUS HAVE NOT REMOVED THIS PUBLIC RECORD EVEN AFTER THIS HAS BEEN ORDER BY THE FEDERAL BANKRUPTCY COURT CENTRAL DISTRICT.ALL 3 MAJOR BUREAUS GO THRU THIRD PARTY VENDORS AND ACCORDING TO THE FCRA ANY THIRD PARTY VENTOR VERIFYING A CONSUMERS PERSONAL INFORMATION MUST BE IDENTIFIED .AND NONE OF THE BUREAUS FOLLOW THE GUIDE LINES SET BY THE FCRA.

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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items 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.

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 2022-12-23
Company: Experian Information Solutions 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:
According to 15 U.S. CODE {$1600.00} CORRECTION OF BILLING ERRORS 15 U.S. CODE 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS This XXXX  XXXX account shouldnt be reported on my credit file as late, Also the balance of the account was discussed and updated but is still reporting to my credit file as charged off and not up to date, This company needs to update my credit file to reflect an up to date payment line and remove any derogatory remarks on my credit file

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 2019-10-03
Company: Arnold Scott Harris, P.C.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
**I filed a ch XXXX BK in XX/XX/XXXX** I was sent a bill for over 5,000 for old parking tickets dating back to XXXX. Most tickets were under an " XXXX XXXX '' and 2 cars were not mine. I called the city to dispute and they told me to get a letter from the secretary of state stating those cars are not mine or records purged. I sent them that letter in XXXX and to this day they have not removed the tickets. My car has been booted/impounded. I got on a payment plan with Arnold Scott Harris ( collections ) who is very aggressive and refuses to send me a monthly statement or bill. So i never know when my payment is due and what I owe. 

I keep falling off the payment plan due to this and when i do they suspend me from XXXX/XXXX and put me on the boot list. Everytime I call Arnold Scott Harris back they shake me down for another 50 % down which I don't have. I have sent both the City and Collections the letters from the Sec of State showing those cars are not mine, but they go ignored and aggressive collection activity continues. 

Also, I filed a Ch. XXXX BK in XXXX which qualifies me for the City of XXXX 's " Fresh Start '' program, which waived all tickets older than 3 years. Both the collection agency and the city are aware of my BK ( I have emails proving all this ) and they have not waived my old tickets. 90 % of my tickets are older than 3 years. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX My mom name is XXXX XXXX Her husband name is XXXX XXXX I XXXX been an victim of identity theft since the age of XXXX 2009 Where before I came out of my group homes my mom XXXX and her husband XXXX which is my step father been using my social To run up bad debt before I even had the chance to use it for myself XXXX XXXX another data company that they option me out of, so that I wouldnt be able to see certain accounts on my report knowing an regular consumer report has a way of receiving its information and now me being XXXX it is effecting judgements liens before I was even able to get a job, my social they use to require jobs, phone bills mortgages insurance benefits Wasant informed of nothing nor received the help from the benefits. 

The reason I was in the group homes was because of abuse I have called them and know this is finical abuse can somebody please Let Experian XXXX XXXX core logics XXXX XXXX  Mortgages insurances judgements liens auto insurance I have a XXXX since I was young. My mom use to get benefits for me being XXXX. Idk who they are getting away with this stuff the scandalous activity needs to stop its not just like a somebody puck up my social and used it once or twice this is a whole operation they been doing and I have got the police Irs trade commission and have contacted legal services for an attorney the proper and legit way please give me some understanding. There not American they was not born in America. I was they look at me like money gold mine because I was born in America they are not from untied states.

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 2022-12-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., 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 XXXXXX/XX/XXXX 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
Consumer complaint received 2022-03-17
Company: PNC Bank N.A.
State: MI
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:
On about XXXX XXXX, I applied my credit for a personal loan through PNC bank. On XXXX XXXX I called PNC via telephone and spoke with a spokesperson whom told me that I was DENIED a personal loan for whatever reason. She also stated that I will be receiving a letter on why I was denied MY OWN CREDIT!! ! As a consumer and according to the USC LAWS, I am allowed to have multiple loans out without it being held against me. Mind you, I already applied for XXXX loans before and was APPROVED! Why all of a sudden, this time I get denied? According to the USC laws 12 1431, banks are borrowers and can never deny me of anything! Pnc has broken numerous of USC LAWS. I am also going to attach the laws that PNC has broken and I will be filing a complaint with the XXXX. A copy of this letter will also be given to the attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: JPMORGAN CHASE & CO.
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
I reported credit card transactions on a chase credit card of mine as fraudulent charges to chase credit card company. 
I see merchants listed for those transactions I reported, are some shape of business that sells merchandise and provide services, however I have not had any business with those merchants and have not received any merchandise or services from them. 
It seems that my chase credit card had been illegally charged by listed merchants that acted as money launderers that worked with an unlicensed online casino that I had used in the past. 
Chase credit company came to a conclusion after an investigation that I am responsible for all transactions I reported as fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: ALLIED MORTGAGE GROUP
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted XXXX XXXX and got a list of their recommended mortgage lenders. I spoke to a few companies and chose Allied Mortgage, as they offered the best terms. I followed all of their steps, completed all requested paperwork, and all of that was finished on XX/XX/2022. I hadnt heard anything for r at least three weeks, so I emailed the agent I first dealt with, as well as the person in underwriting. I was told they were still working on it. I expressed concern with having it resolved before XX/XX/XXXX, when the prime rate was raised. I emailed and called several times, but was told on XX/XX/XXXX that they would not give me the loan without a co-signer. I am a XXXX XXXX XXXX woman with excellent credit, and they valued my home at {$510000.00}. I was trying to borrow {$300000.00}. I was asked to provide {$11000.00} in savings, but sent proof in excess of {$45000.00}. They kept delaying this denial until it was too late for me to submit to another lender before the rates increased. I receive a state pension, as well as Social Security, so perhaps this is ageism. Waiting six weeks for an eventual denial indicates fraud, in my opinion.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an account listed on my credit report as Cap One Auto for quite some time now. I began disputing it when I realized it was reporting on my credit inaccurately and inconsistently. I have never received any form of response back from them. All they've is update my credit report to say that the account was in dispute and is now resolved. I have received nothing substantial on how they came to own this debt. On XX/XX/XXXX, I asked for specific documents which i will include as proof. I asked them to respond to me with in XXXX days. I know my rights and this is a clear violation and I was determined to fight this. I sent out another letter on XX/XX/XXXX letting them that they failed to send me any requested documentation to satisfy the validation of this debt and requesting that they remove it from my report. They never responded to my request! I gave it some time to see if maybe they would update the credit bureaus to remove it but nothing again. XXXX XXXX I sent in a request again, simply stating that I want an itemized statement breaking down the balance I owe, which is well within my rights. I don't know how they continue to report this account and say that the dispute has been resolved when not once in over 8 months have they responded to any of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion and Experian credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$0.00}

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 2020-03-10
Company: First Credit Services Inc.
State: PA
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 received calls from a collections agency called First Credit Services in XX/XX/XXXX about a debt for roughly XXXX dollars for a gym that I never used that I was being told I still owed money for. I attempted to dispute the claim from the standpoint that I had moved from the area and no longer could access that gym. I sent them the appropriate paperwork within the 30 day time period and never heard anything from them again for more than four months until in the first week of XX/XX/XXXX it showed up on my credit report. I called them for clarification and they said they received my documents on XX/XX/XXXX and my dispute was denied by the creditor. However, the collections agency never sent me any documents to inform me of this denial or made any attempt to reach out to me via phone or any other means before reporting it to the credit bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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. 

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 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 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 2022-12-23
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I don't know what this company is. It just appeared on my credit and I did not get proper notification by mail per FDCPA which makes this against the law and has also dropped my credit score without me even knowing until my mortgage company pulled my report. I am aware for each violation that occur it is {$1000.00} so I will be speaking to counsel about this debt if it is NOT removed from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Have advised all 3 bureaus that I am a victim of ID theft have submitted police reports, ID Aff. and they refused to remove the accounts that are included which are : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and 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