BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-15
Company: U.S. Collections West, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I went through proper channels and submitted a dispute for this item to all three credit bureaus and immediately was contacted by the debt collector and harassed about submitting the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, 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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
To : Consumer Finance Protection Bureau : I travel overseas once or twice a year for pleasure. I always set travel notifications so the credit cards that I take with me know when and where I am likely to make charges, to avoid any issues with a denial. 
In preparation for a trip with my family in XX/XX/XXXX, I attempted to set travel notifications online for my XXXX XXXX XXXX card ( card of choice due to no foreign transaction fees ) and was notified on the website that they will not take travel notifications anymore, and will instead alert me if there is unusual activity, and to be sure my email address was correct and set up mobile alerts. 
I called XXXX XXXX XXXX and hit a brick wall. No way to pre-warn them of projected unusual activity! Instead they insist on notifying me, with risk of denial on future use if I do not respond to the notification. I explained to XXXX XXXX XXXX that this was not an option. I do not take technology with me on overseas trips, so I would be unable to receive alerts, and even if I did, I would not access account info on public Wifi! I do not use a smart phone and again, even if I did, I would not access account info through it, also for security risks. They said I could call them collect if I had an issue! That also is not an option. In this case I will be in XXXX and their phones ( landline ) still charge for use regardless if incoming or outgoing call. And my cell phone will charge me XXXX/min for any calls! 
So I checked another cards that I have. My Chase VISA had the same procedure. XXXX let me set an alert, however, it does not work in XXXX, so that is not really an option. XXXX let me set an alert for dates of travel, but not location, and still states I will be alerted. 
I feel as though I am stuck. No way to be sure that my CCs will work, forcing use of cash ( Thank goodness I am not going to XXXX a cashless society that will not take cash! ) I also feel I am forced to use technology while travelling, exposing me to greater risk with hacking, identity theft, etc, etc. 
Additionally, this coming trip is to XXXX, but I usually do a mission trip annually to countries more like XXXX XXXX, where I dont want to have a lot of cash on me and definitely would not want to use public wifi or other technology. 
Please help to change these procedures, I feel I am not free to travel with appropriate financial/identity protections. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
Back in XXXX, US auto sales force me to buy another car when the first car I had engine blow out. They threatened me for 2 weeks forcing me to chose a car that I didn't want. They told me either I can get a new car from then and start all over and lose all the money I put in the first car or keep the car with bad engine and they will get a use engine for me. I have had 2 different cars from us auto and have been to the shop over 7 times with both cars. My new car They forced me to buy starter went out and they didn't even pay for when I had insurance on it. I was forced to get a used XXXXXXXX XXXX XXXX with a car payment of XXXX every month is crazy. And I see the business went out of business because they was scamming me and other customers. I need help with the problem. The XXXX switch my car plenty of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, 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 am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX  CREDIT CARD XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX  XXXX, XXXX As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: WELLS FARGO & COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been charged with three late fees for payments I am making on a 0 % interest card if paid in full within 12 months. The credit card company is refusing to refund me the late fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-15
Company: Unifin Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from debt collector, Unifin. I called Unifin because I am in complete disagreement that I owe any debt. Unifin told me that they had no information regarding the debt other than they were directed to collect the debt. The debt description was " XXXX '' on the letter, I called XXXX to research and understand the debt. XXXX went through their records and found that I have NEVER owed any money to XXXX, there has never been any debt owed from me to XXXX. So I called XXXX XXXX who claimed to have purchased the debt from XXXX and then redirected the debt to Unifin. XXXX XXXX was adamant that I owed them the debt and that regardless what XXXX said, my debt had been sold to XXXX XXXX. XXXX XXXX claims they sent me a letter in XX/XX/2021 to collect the debt and I never responded. So now in XX/XX/2021 I received a letter from Unifin to collect the debt. I immediately reached out to Unifin to understand what the debt was all about. 
I completely disagree with this debt and collection - I have no credit with XXXX, never have. I believe XXXX XXXX is acting fraudulently claiming I owe debt that I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
Please see the attached identity theft report. Please also delete the credit inquires not currently tied to any open accounts.

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 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I am distressed that you have included the below information on my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the FRCA, unauthorized inquiries should be removed immediately.

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 2020-02-08
Company: EQUIFAX, 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:
XX/XX/2019, my wife & myself, identity was stolen. our phone, email, credit, and us postal service address were involved. the hacker changed our address to a XXXX address. we have been trying since XXXX to remove this address. we start a dispute online with Equifax, and 3 days later, they say it's resolved. when we pull credit bureau, it is still on there. we have talkd with them by phone, and Equifax advises they will remove. however as of yesterday it has not been removed. 
Both Experian & XXXX XXXX have removed this address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I joined XXXX XXXX XXXX back in XX/XX/XXXX. I settled an account through XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX, that has been paid off in full. XXXX XXXXXXXX XXXX decided to send my account to yet another collection agency : XXXX XXXX XXXX. I submitted a letter to XXXX, to XXXX XXXX XXXX, and to my TX Attorney general 's office showing proof that this was paid off, but it somehow comes back as verified. This is NOT True! Please help assist in getting this account removed from all of my 3 bureaus. No has been able to help me. I sent a certified receipt return letter to XXXX XXXX XXXX at their address and they DID NOT respond to my request. I have been battling this issue since XX/XX/XXXX. XXXX XXXX XXXX says that it was opened last year XX/XX/XXXX. But I paid it off through the XXXX XXXX XXXX program in XXXX of XXXX. I get the run-around. I just need this removed. I have a handful of accounts with the XXXX XXXX XXXX folks and they are not really helping me either. If this one does NOT get resolved then I may not continue with XXXX XXXX XXXX! ) They say that they are going to look into it and then never do! I am at a loss on what other steps that I need to take to get some answers and get XXXX XXXX XXXX to comply!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: IL
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:
I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When I log in to my target red card account ending on XXXX it redirects me to a old account target red card account ended in XXXX. I've called many times asking why the closed account is still accessible and why it redirects my from a active account I've called many times once they hung up on me or redirected me to collections. 
I received no bill before my due date, everytime I try to log in I have to change my password, I had to pay over the phone or at least I thought I did but it didn't go through and put a negitive mark on my credit report.. 

I will not set up auto pay because of the closed account ended in XXXX is still accessible. 

this has been going every months for over a year. I finely filed a report with the XXXX  and now you. 

I just want to access my account ending in XXXX and pay my bill..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried to contact IQ Data International via express mail. The first round I sent on XXXX via mail. I never got a response back. I then sent another letter via USPS express mail on XX/XX/2023. As of today XX/XX/2023. I never got a response back validating the debt that I sent to them. Informing them to validate the debt that they accused me of owing then they decided to add fees to the debt and continue to contact me via phone. After I sent out several letters and telling them to contact via mail they have on file. They never got back to me. After I sent the letter via mail they immediately put it on my credit report falsely accusing me of owing or misleading stating that I owed money they never sent me any correspondence back in regards to my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: MD
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:
Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: EQUIFAX, INC.
State: OR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I first started building my credit history beginning XX/XX/XXXX with a secured credit card. I got a XXXX XXXX account a month later. 
A year later, I converted my secured card to an unsecured card and also got a XXXX account. In XXXX, I got a credit increase on XXXX XXXX. 
In XX/XX/XXXX, I legally changed my name and reported this to XXXX XXXX. In XX/XX/XXXX, I reported the name change with Social Security. Since I was on a debt management plan beginning XX/XX/XXXX, I reported the name change to them in XXXX or XXXX. 
In XX/XX/XXXX, I reached out to Equifax and XXXX  directly and sent them proof of the legal name change. I got some reports updated. In XXXX, however, I contacted my XXXX attorney because XXXX  continued sending me E-mails under my old legal name despite having asked them in writing to remove my account with that name. 
After being denied for a loan by XXXX XXXX  in XX/XX/XXXX, I wrote a letter to XXXX   and attached several documents, including a drafted letter sent by my attorney. I pulled a report from XXXX under my new name and found that I have been on XXXX  's file since XX/XX/XXXX. This was inaccurate since I've had accounts opened before then. 
So, using XXXX, I filed an internet dispute on XX/XX/XXXX, and I called XXXX  because I got a letter saying that they needed me to submit another copy of my social security card and state ID, which I did. I called them up in XXXX and found that the copies I submitted were illegible, so I sent it again using a different service to ensure that they were legible this time. I also went on XXXX  's web site and found a report under my old legal name, and this one said that I have been on their file since XX/XX/XXXX. So, in my new letter, I asked XX/XX/XXXXto merge both of those reports together. 
A month later, I have not received any updates or notices that the process was completed, and web sites like XXXX are not seeing my payment history or credit age yet. Also, public records web sites used for background checks don't have me listed under my new legal name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My XXXX account number XXXX credit reporting on the credit reporting bureas, Transunion, XXXX and XXXX are showing a late payment for XX/XX/XXXX  and this is incorrect. This account has had no late payments. The payment was posted late in error by company XXXX. Payment crossed with XXXX and XXXX payment. I spoke with a XXXX representative and representative agreed payment was not late. I was told my credit report will be updated to pay as agreed with no late payments to all three credit bureaus. 

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 2023-09-23
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/ I asked the company to send me proof of the wet signature for the alleged contract for the creditor. On XXXX  they sent nothing more than a billing statement from the original creditor. This is violation of my privacy and consumer rights 15 US Code 1681s-2 responsibilities of furnishers of information to consumer reporting agencies. This information is inaccurate and has caused pain and suffering as well as time wasted. The IRS clearly defines a charge off as gross or ordinary income. Income does not get reported on the consumer report which in fact makes your reporting of this account inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: AR
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand this account to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2023 Hayt Hayt & Landau P.L. fraudulently began receiving 25 % of my employment pay from my employer, XXXX XXXX. I never received notification from Hayt Hayt & Landau P.L. of a Garnishment, nor was I served paperwork, or a letter to appear in court, that I was being sued for a debt. Hayt Hayt & Landau P.L. also has sent inaccurate information to the credit agencies causing me to be denied for a home.

Hayt Hayt & Landau P.L. received a Debt Validation letter from me, ( CERTIFIED ), and I have not received a response from them as of today.

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