BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-22
Company: EQUIFAX, INC.
State: MI
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 submitted an inquiry with Equifax on XX/XX/2018. Case # XXXX. 

The inquiry was regarding a recent, sudden drop in my credit score reported by Equifax. This erroneous drop was alarming especially since my credit scores from XXXX and XXXX  had gone up a few points. My credit score reported by Equifax made a sudden drop of 39 points from XXXX to XXXX. I monitor my credit scores closely and this sudden drop prompted me to carefully review my credit report for potential fraud or changes. No information on my credit report had changed. No factors including how much money I owe, how long I've owed it, no new accounts, no recently closed accounts, no change in the number of accounts, no changed in payments, late payments, or missed payments, no recent hard inquires, no changes in types of credit accounts, no changes in derogatory remarks. My credit report had not changed at all since Equifax had reported my score prior to XX/XX/XXXX. 

In my inquiry, I asked them to investigate why there was a sudden, erroneous drop in my credit score. Equifax made no attempt to investigate. Instead I received a stock response email followed immediately by another email closing my case. Per that email, Equifax stated : " If this issue is not resolved to your satisfaction, you may reopen it within the next 5 days by responding to this email. '' I responded to the email the same day asking for them to investigate my account and my case. I was immediately sent sent another email closing my case. Again, Equifax state in the email : If this issue is not resolved to your satisfaction, you may reopen it within the next 5 days by responding to this email. ". I emailed them yet again asking for them to investigate. I have yet to receive a response. It has been 16 days from my last correspondence. 

Equifax made no attempt to investigate my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 these accounts 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 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 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: TX
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 non-monetary relief
Consumer complaint received 2022-03-09
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I contacted credit collection services to pay a debt that they reported on my credit report. When I spoke to the representative they tried to imply that paying the debt would and updating the account balance to {$0.00} effect my credit score and that they couldn't remove it as that would be a violation of FCRA which is incorrect by both the letter of the law and the case law around this issue. Upon speaking with the supervisor she repeated this information and stated they are trained to tell people this and commonly do so. In addition it took multiple attempts to contact them as they wouldn't answer the phone limiting my ability to pay the debt. Finally they acknowledged that the address they had was incorrect but they made no attempt to get an accurate address and report the information correctly as per the FCRA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: EOS Holdings, Inc.
State: DE
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:
Since our Joint Chapter XXXX Bankruptcy was DISCHARGED on XX/XX/2017, XXXX XXXX CONTINUES to harass me, XXXX XXXX XXXX, via miscellaneous collection agencies. My attorney 's well aware of this. 

For more details, please see the attached documentation or contact my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: TX
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 fair credit reporting act. the list of accounts below has violated my federally protected consumer right to privacy and confidentially under 15 USC 1681.XXXX XXXX {$440.00}, XXXX XXXX XXXX {$910.00}, XXXX XXXX XXXX {$1500.00}, XXXX XXXX {$1500.00}, XXXX XXXX XXXX {$2000.00}, XXXX XXXX XXXX {$2900.00}. 15 USC 1681 section 602 A States i have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer agency can not furnish an account without my written instruction. 15 USC 1681 ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following items or information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 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 non-monetary relief
Consumer complaint received 2021-02-12
Company: AMERICAN HONDA FINANCE CORP
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: Account status incorrect

Complaint:
Account shows 30 days late payment from XX/XX/2020 in the amount of {$670.00}. This account never has had a late payment. Please correct this incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
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: Was not notified of investigation status or results

Complaint:
XXXXHi, 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 account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX  XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 2020-09-15
Company: BBVA FINANCIAL CORPORATION
State: NY
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 purchaised two air tickets on XX/XX/2020 each worth {$780.00} each and a service charge of {$39.00} which makes a total of {$1600.00} using B B V A credit card and the air line ( XXXX XXXX XXXX cancelled the flight due to covid..I requested BBVA to dispute the transaction and refund the money .They refused saying the merchant disagree.I contacted XXXX  XXXX and they want to charge {$400.00} for each ticket as cancellation charge though the govt. said no cancellation charge be made due to covid. 
Also I disputed three charges that are not authorised by me EACH WORTH $ XXXXand they did not refund the money even after my dispute. this card is being charged {$25.00} each month even after my cancelling the card.The total charged amount is {$75.00} I need the money of both REFUNDED.THE CREDIT CARD COMPANY IS NOT DOING ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed a change of Credit reporting back in XX/XX/XXXX where there was a collection fee and affected my credit substantially. 

In an effort to lower my debt and be current with all debtors i contacted Portfolio Recovery Associates LLC about a debt they reported in my Credit report. 

I filed all documents and sent them by email faxed, explaining this charge was not made by me since i do not have this card anymore since XXXX or earlier. 

And that on that date, i was not in The USA, i was overseas doing some work. 

So i ask them to verify where the merchant sent this order and verify it was not in XXXX Address. 

i received a document from XXXX XXXX, card, stating than i have a purchase made on XXXX, XXXX, XXXX for {$120.00} to a web page XXXX for a charge of 96 GBP in XXXX Pounds, Clearly not local, so is a charge of ID Theft. moreover from an account number which was not in use for more than 5 years, so how come the credit card Agency does not close an account where no card has been registered in more than 6 months. 

I ask to take this charge write off my credit report, since i will not pay for any expenses, since i did not make this purchase, but is clearly affecting my credit report, So hard trying to keep it clean as it was before the Divorce. 

Please i request your assistance removing this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Applied Data Finance, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out this loan a year and a half ago, I understand that payday loans have got high interest rates, but this rate is almost at 100 % interest. I have been making payments since XX/XX/2020 and still have almost 2 years left of payments left to go. I have paid off very little applied. On a {$2700.00} loan, only approximately {$350.00} has been applied to principal {$2900.00} has been applied interest. 
Although I understand that these loans are higher rates, I feel that this takes advantage of people in desparate financial situationswho feel they dont have any other options. I would like to see what can be done to get this loan closed out as soon as possible, since I have already paid a few thousand to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX merged with PHH Mortgage Service who has changed my mortgage payments again and again. I have filed several complaints before when XXXX was servicing the mortgage. This is the 2nd time in less than a year that the escrow account has been changed even thou the taxes and insurance has not. According to a letter dated XX/XX/2019 ( PHH Mortgage Services started servicing on XX/XX/2019 ) that the escrow account is a projected to be {$140.00} and my account will be charged an additional {$12.00}. Initially it was an additional {$17.00}. Each time the payment drops, the company finds a reason to add additional money. If you check your account in XX/XX/2019, I got a projected shortage also. I'm requesting a complete investigation of their records to see how they're robbing customers by claiming shortage!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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 was working one day on XX/XX/2018 closing shift and got a notification with a lot of inquire I did not apply for I called and asked the representative to remove them off my credit report and customer service was rude and wouldn't take care of it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

NEW AMERICAN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
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:
I went to see a financial advisor to help me pick a credit card to apply for. I insisted I only wanted to apply for one card. The advisor assured me there would only be 1 hard inquiry and I was approved for the card. However, because the financial advisor wasn't truthful, I ended up with 9 hard inquiries greatly affecting my score and the card I was approved for now has me jumping hoops through the fraud department. I never authorized the following inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: FC HoldCo LLC
State: GA
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:
1 ) On XX/XX/2021 I sent the attached debt violation letter to Flagship Credit Acceptance pursuant to 15 USC 1692. ( See exhibit A ). 

2 ) In XXXX they responded ( with no date on the letter ) with a notice of receipt and a promise to change the status of the reporting on my credit to Paid in FullXXXX XXXX Balance within 30 days. ( See Exhibit B ) On XXXX XXXX The specific items required for validation were not received. 

Flagship Credit Acceptance is in violation of 15 USC 1692 for the following acts : Flagship Credit committed fraud by ignoring the cease and desist.

Flagship Credit Acceptance failed to provide the amount of the alleged debt.

Flagship Credit Acceptance failed to provide the name and address of the original creditor. 
Flagship Credit Acceptance continued to report derogatory, unverified information to the credit reporting agencies within the 30 day period and until present day. 
Flagship committed deceptive practices in their debt collection efforts by failing to perform as promised in their letter. 

In my letter I stated they were to cease and desist until debt collection activities until all requested items were provided. This includes reporting any derogatory information to the credit reporting agencies. I tried several times to call and have someone update the file, but I was told there is no one I can speak with. 

Unverified Items must be deleted within 30 days. These unverified items are still reporting to all 3 bureaus, which is a violation of the Fair Credit Reporting Act. ( See screenshot of credit reporting to XXXX, XXXX and 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 2023-10-09
Company: EQUIFAX, INC.
State: CA
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:
I am filing to formally present a complaint against XXXX and Equifax Bureaus regarding unresolved issues in my credit reports. Despite previous attempts to address these issues, they remain unaddressed. I kindly request the removal of the following fraudulent inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-09
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Chrysler Capital is still showing up as an open account for a lease that was closed in XXXX. It was a 39 month lease that began in XXXX of XXXX, which was subsequently closed in XXXX through an early trade-in to XXXX XXXX XXXX. The balance is paid in full, but it still shows up on my credit report. I need this information corrected before I apply for a mortgage loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
wrote several dispute letters to the credit agencies, XXXX, XXXX, and Transunion to let them know by Law they do not have the right to show late payments on my credit report. By Law.. 15 U.S. Code 1681a - Definitions ; rules of construction. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.. Meaning they are showing transactions and experiences on my credit report which is a Exclusion by 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 non-monetary relief
Consumer complaint received 2023-01-13
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from a XXXX XXXX stating that he works in the XXXX XXXX branch and I need to respond to court documents that were served to me today. I never received the papers so I called them to see what this was about. The person answered XXXX XXXX XXXX, asked for my case # then transferred me to XXXX who asked if this was me or my lawyer? 

He was extremely rude and told me that I owed Citibank $ XXXX. I told him that Ive never had a Citibank account and asked when it was opened. He told me he has no time for this and to expect a summons later today then hung up. I called him back asking him to be professional and inform me about the case then he recited my SS #, told me to expect a summons later today and to pay my bills. I asked him if this was a scam and he once again hung up. No server has been at my property with any court papers! 
Caller : XXXX XXXX XXXX XXXX Call type : Debt collector I found out that this person attempted the same scam with another person by doing an online search. Here is the weblink 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 explanation