BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It has been a battle going through this and I am writing to delete the following accounts in my file. The accounts I need to be deleted are listed in the report.I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and attach the said report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ones with the accounts listed below showing on my credit report. I, therefore, request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the accounts as soon as possible. 
DEPTEDXXXX  XXXX XXXX : {$7100.00}, DEPTEDXXXX XXXX XXXX : {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: N.A.R., Inc.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This dept shown more than once on credit report and does not show last payment date making very old collection look new. This account shows as XXXX this was dated back in XXXX. This was a voluntary repossession which was charged off in XXXX by old loan holder. They received their vehicles back sold at auction, marked as charge off, then still show as balance owed. This is causing me a huge hardship and holding me back from furthering myself in life. They have never provided documents to prove this dept is mine. I feel as though if this was an account of theirs they should have something to prove so I can confirm if this is valid or not. This is reporting on my credit report two times all with balance owed. I have tried many times to try and get answers/ resolve this with no help. I have also hired a credit repair company who disputed twice with no response in time and they still refuse to remove. When the credit repair company started the process this was on my report more than twice with different account numbers all with the same balance amount so this has been falsified many times by them. 
This dept is approaching the time to be deleted and as a courtesy I would like to request they delete this early for the hardship this has caused me with the falsified information. XXXX and I have grown up worked hard to build our credit and have tried to over come this since we were very young and couldn't afford much back then and just want this cleared and marked correctly. I would have not know this was on my credit many times with newer dates showing if I had not hired a credit attorney who brought it to my attention. So please help us with getting this resolved due to the long frustrating battle we have been going through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: First Federal Credit Control, Inc.
State: OH
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:
Please provide Validation of Debt, Assignment of Debt, Method of Verification used. I will also send this request through the CFPB as I did not receive a notice in the mail to dispute this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My XXXX XXXX XXXXXXXX account was hacked on Thursday for {$160.00}, and it was hacked last month for {$69.00} and a recurring account was debiting our bank account and sending the money to pay credit cards and a XXXX bill. Months ago we were hacked for {$1900.00}. I checked to learn if my name was among those hacked in the Equifax hacking and learned that my information was among the records hacked. I sent letters to the credit bureaus requesting each to remove inaccurate names and addresses because I believe the fraud is connected to inaccurate information available on my credit report. Please assist me in communicating to the credit reporting bureaus to remove all inaccurate personal information. My correct name is XXXX XXXX XXXX and this is the only name that represents me. 

My address is incorrect too. I live at XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. Any information contrary to my name and address is incorrect and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: IN
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland credit management company is still reporting on my credit report and according to New York State this is illegal, they can not report after 3 years. This is not even my debt to begin with. I am looking to remove this immediately they have an amount of {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Experian 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 correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX .... Late Dates XXXXXXXX XXXX XXXXXXXX Late Dates XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX .... Late Dates XXXX, XXXX XXXX ... XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX .... Late Dates 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 2023-10-18
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My student loans are due for repayment but I can't reach Nelnet. They are my loan provider. I have tried calling numerous times and have been on hold from 1 hr 30 to 2 hrs and I get hung up on after being on hold all that time. I'm trying to arrange for repayment but the servicer is not cooperating. I'm not able to handle the issue on line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: NJ
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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:
After receiving a copy of my credit report and realized an account that is reporting incorrectly. This account was paid in full and on time in XXXX XXXXHere 's a copy of my bank statement where the account was paid in full and should be IMMEDIATLY removed from my report. 

XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS PAID IN FULL AND ON TIME.

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 2022-07-27
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: Information belongs to someone else

Complaint:
Please be advised that Credit Bureaus are reporting the wrong address information on my credit report.Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Delete these incorrect addresses right away pursuant to FCRA Section 605B ( a ). 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-11-09
Company: JPMORGAN CHASE & CO.
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:
Attached hereto please find a pertinent portion of the furnished information by Chase to XXXX, which claims that Chase charged off this account 32 times! It means that Chase received 32 times tax creditfor charging off one account.

This is Internal Revenue Service Code violation and amounts to : perpetrating fraud on Internal Revenue Service underTitle 26 of United States Code 7206, Committing mail fraudunderTitle 18 of United States Code 1343, Violationof FCRA or in simple languageTitle 15 of United States Code section 1681, and California 's Consumer Credit Reporting Agencies ActCalifornia 's Civil Code 1785.25 ( a )! 
If Chase believesthat this account is legitimate, Chase can only discharge itONE TimenotTHIRTY TWO Times!

Since the impact is 32 times more severe on me than only one time, accordingly I am a tort-victim and Chase is tortfeasor, with respect to the civil action under 1785.25 ( a ) and 15U.S.C.1681. 
This matter has been brought to attention of CHASE on numerous occasions, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-26
Company: Genesis FS Card Services, Inc.
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The business buried the payment options in the fine print of the welcome kit. If I would have seen that I could not make debit card payments towards the credit limit then I would have canceled it right there on the spot. If I had seen that they didnt accept debit card payments when I applied for the card, I wouldnt have applied for it. 
The settlement that they offered me is offensive. Its not even a settlement. The credit card was for a {$700.00} credit limit. The settlement offer was for {$740.00} and to also put a very small window limit on that which again cant be paid with a debit card is even more disrespectful and offensive. 

The false advertising and fraudulent business practices the company chooses to do has cost me two years of hard work to increase my credit score from very poor to good which is well over XXXX points in less than four months. 

Now they are sending me conflicting correspondence in the mail. One correspondence dated XX/XX/23 states that the account has been closed by me and I must continue making the required payments until it is paid in full. Whatever that even means but Im sure they kept it vague so that you they add more fees and continue to destroy my credit. 

They contracted with or created their own collections agency, XXXX XXXX, to continue their fraudulent business practices. And they dont accept debit card transactions either. 

The other correspondence is dated XX/XX/23 and its an account summary statement which states that I have a balance of {$920.00}. Thats {$220.00} more than the original credit limit with the outrageous fees theyve added. And it also states theyre going to add another {$41.00} to that amount if I dont give them {$220.00} by XX/XX/23. 

Theyve cost me so much more than what they claim I owe then! Two years of around XXXX points of credit score building has cost me close to {$20000.00}, if not more. 
This business has destroyed my credit! 

I even tried to negotiate a settlement in good faith to stop the onslaught to my credit. Theres not a decent business on earth that doesnt accept debit card transactions. The only ones that do not are the ones that like to slowly process money to rack up fees and hurt peoples hard earned credit scores to strong arm them into paying off their entire balance quickly so that their credit score doesnt get damaged anymore. This business is falsely advertising and their business practices are fraudulent. 

There are over XXXX pages worth of complaints filed against this business on XXXX that theyve done, similar if not the same things that theyve done and are continuing to do to me to countless other victims as well. 

Its not fair and its not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Halsted Financial Services, LLC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/2021, I received a phone call from Halsted Fin. Svc. at XXXX. 
I have gotten frequent calls from them throughout the day for the last 3-4 weeks or more and when I answer the call, no one responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Citizens One Home Loans. Sold my house and the title company has been trying to get a payoff since XX/XX/XXXX. They asked me to try. I called XXXX and got automated message for a call back in two days. Called a different number and got a person who said they would fax it in 5-10 days. I need a payoff to close on my house this week. I explained the urgency and the constant attempts and the person just kept saying youll receive it in 5-10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT 'XXXX XXXX XXXX. 
Credit usage 0 % Balance {$0.00} Balance updated XXXX XXXX, XXXX Credit limit {$100.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Pays account as agreed Status updated XXXX XXXX Past due amount - Highest balance XXXX XXXX  Monthly payment {$0.00} Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments ACCOUNT CLOSED BY CREDIT GRANTOR Your statement - Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE 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:
We had 3 lates inXX/XX/2020 that were 30 day lates. 
XX/XX/2020 XX/XX/2020 XX/XX/2020 This was due to us being laid off because of COVID. 
I have tried several times to fix this with the company and they refuse to take these lates off my credit report. 
This is not fair. The world shut down and this was out of my control. 
These lates should have never reported. We are back up to date on everything.

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 2022-07-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation