BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: Amsher Collection Services, 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:
I am filling this complaint because reporting this account completely confuses me. I am not sure why this account is coming in and out with different collection companies in my credit report. Please know that i tried to this issue resolved by the collection company and credit bureas. The account I am disputing is AMSHER COLLECTION SERVICES. I received a collection attempt from this agency and this item is being reported in XXXX credit bureaus. In XX/XX/XXXX the original debt from XXXX XXXX XXXX XXXX, balance of {$2100.00} was reported in FRONTLINE AS with XXXX account number XXXX. In XX/XX/XXXX I disputed this account directly to FRONTLINE AS to inform them that I was charged for equipment that I never received and I have email documentation which I attached to this letter showing that they confirmed the equipment being re-routed to the warehouse and receiving the equipment in the warehouse and adjusting my bill with XXXX XXXX for XXXX XXXX XXXX XXXX XXXX decided to sell this off immediately to a 3rd party collection - even after I spoke to them - and I called once this hit my credit report to solve the issue and they mentioned to me that it's too late because the debt was sold off already to XXXX XXXX didn't have the right to collect or report this in my credit report because of their negligence. I also requested for validation of debt to verify that I am responsible for this account and contract until then I did not receive anything in mail. And in XX/XX/XXXX this account was removed from my credit report and now the same original creditor and balance is reported in AMSHER COLLECTION SERV on XX/XX/XXXX. 
I am filling a CFPB complaint to have this issue resolved right away. I am worried by the lack of responsible reporting. My credit score suffers tremendously because of their negligence. Collection companies being reported on and off in credit reports is punishable by law. My personal information being sold out to a third party is something I should not experience if XXXX investigates and resolved this issue before. 

I would like to request for the same validation of debt I requested previously with XXXX. If your agency can not provide validation of debt I demand this account removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I had a balance of {$310.00} remaining on my account to be paid before the end of XXXX. It was paid by the end of that period and should have been paid with my payment on XX/XX/2023 of {$310.00}. I put it in for payment for arrival before the due date stated of the XXXX. 

On XX/XX/2023, I initiated another convenience check for {$1000.00} as it advertised to give me a year to pay it off with 0 % interest for 1 year from the date of use ( with 5 % fee ). 

When I received my statement, I realized that Citibank had applied my payment to the newly established balance that was to be paid in the coming year and NOT to the prior balance that needed to be paid in order to receive the 0 %. It was now incurring interest. 

I called Citibank, XXXX XXXX XXXX  ) to ask that this error be corrected. The customer service rep told me it was not a mistake, that was how they did things. She was hard to understand and hard to hear and said she could not call me back. I asked several times to speak to a supervisor and finally got a person who told me it was not right, would be corrected within 9 days and I would NOT be charged interest. So after long holds and many transfers, I hoped for the best. 

I then get emails from Citibank ( XXXX XXXX, XXXX  ) that indicate this is not so, but might be after reviewed and should be taken care of. They also called and I relayed what their reps had stated about it would be taken care of, that no interest would be charged and their normal procedure it seems if no one complains and can't be deterred. I also let the person I spoke to on the telephone know that my issues were not with their customer service phone personnel who only responded as they were able, but were with the executives and policy makers at Citibank. 

This all seems fraudulent to me. If no one complains they get XXXX XXXX  from many because of it. Even complaining they don't seem to comply. I do not understand why it was not immediately resolved as it seemed an error on their part. 

To date, I get emails when I inquire on status, but no resolution. I checked today as I have a new statement and it shows interest charged on the balance that should have been paid with my payment. 

I have a number for my original email from Citibank ( XXXX ) if it is helpful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act 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

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 2022-03-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately in my file : 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 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 2023-12-17
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-01-19
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately in my file : 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
Consumer complaint received 2021-08-01
Company: WESTERN UNION COMPANY, THE
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Direct transfer of funds from XXXX XXXX to a bank in XXXX. Recipient unable to collect the money so Western Union cancelled the transaction on XX/XX/2021. Western Union assured me the funds would be returned to my account in 7-10 days. It has not been returned. I have made numerous calls and filed a complaint with WU. All to no avail. I have been lied to every day since the money was due. 

The initial tracking number is XXXX. The case number is XXXX. 

Today I got an email telling me the " transfer is complete and the money is ready to be picked up in XXXX!!! '' I am baffled by this behavior by Western Union. 
They have used every excuse to not return my {$8000.00}. They have my drivers license information, address, phone number, bank account numbers and I believe they have my shoe size now. 

I have double checked with my bank and there is no issue on this end. This a plain and simple case of fraud by Western Union. The money was to help a relative with a serious medical issue, which has only gotten worse. 

PLEASE HELP ME RECOVER MY MONEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
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:
CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX and I am submitting another CFPB Complaint to express my strong objection to the fraudulent items on my credit report, and I demand their immediate and unconditional removal from it. As per the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the credit bureaus ' responsibility to ensure that the information they report is accurate. The presence of these fraudulent items on my credit report is causing significant harm to my creditworthiness, and I urge you to rectify this situation without any further delay. I want to make it clear that I have already reported this fraudulent activity to the relevant authorities and have provided all the necessary documentation to prove that these items are fraudulent. I have also requested the creditors responsible for these fraudulent accounts to investigate the matter and remove them from my credit report. However, despite these efforts, these fraudulent items are still showing up on my credit report, causing me extreme frustration and financial hardship. I need the following items removed as soon as possible : XXXX  XXXX Balance : {$130000.00} XXXX XXXX  XXXX Balance : {$6300.00} XXXX XXXX  XXXX Balance : {$8200.00} XXXX XXXX  XXXX XXXX Balance : {$440.00} XXXX  XXXX Balance : {$120000.00}. This is a blatant violation of my rights under the FCRA, and I demand that you take immediate action to remove these fraudulent items from my credit report. Furthermore, I expect written confirmation of the removal from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was harassed and threatened by Exeter Finance LLC that my personal property ( vehicle ) would be repossessed.

Several months prior to sending Exeter Finance Company some paperwork certified mail on XX/XX/XXXX I have been constantly harassed and threatened by phone from Exeter Finance that my vehicle would be repossessed. 
On XX/XX/XXXX I sent Exeter Finance LLC certified mail with the following documents, 1. Affidavit of truth, 2. A Debt Validation Letter, 3. A Cease and Desist letter, and some of the harassing phone calls records. As of XXXX XX/XX/XXXX. I havent received any response to the info that I sent them. 
On Tuesday XX/XX/XXXX around XXXX late evening my wife alerted me that some men were outside in my driveway getting ready to tow my XXXX XXXX XXXX. XXXX in color. I went out to see what was going on. The lead guy told me that the bank told them to come out and repossessed my vehicle. I ask the gentleman to see a repo order. He said he didnt have to show me anything. I also asked if he notified the local police. He then stated that I didnt have to notify them. I told him that I sent the finance company some paperwork, Notice to Cease and Desist, Debt Validation letter and and affidavit of truth. He stated He didnt care what I sent them. He was there to take the vehicle. I tried getting into my vehicle but prevented me from going into my vehicle as he and three other guys stood in front of my vehicle in my driveway. He said the only way that he would allow me into my vehicle is if I would turned over my keys to him. So in fear of not getting hurt from these four guys I gave him my key. He then towed my vehicle out of my driveway on the side of the road to let me get some of my belongings out of the vehicle. I got some of my belongings out of the vehicle. I also took of my license plate off the vehicle. I asked what repo company they work for but they never identified what company they worked for. They hook and chained down my vehicle and left the area. 
On XX/XX/XXXX I got a letter from Exeter Finance Company which says NOTICE FOR PLAN TO SEL PROPERTY.

I called Exeter Finance on XXXX XXXX to ask if they got my certified mail which was signed for on XX/XX/XXXX. The representative stated that they have no records of getting any mail from me. I told her that I sent them certified mail containing 1. Affidavit of truth 2. Debt Validation letter 3. Cease & Desist letter and also all of the harassing records and as off todays date XX/XX/XXXX, I havent gotten any response regarding the matter. She didnt respond to the questions that I asked her. She hung up the phone after I got through asking questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting repeated calls from a specific number that refuses to leave messages. Today I happened to pick up the phone to see exactly who is calling from the number, and it turned out to be Credit Management. The caller asked for my first name which I verified, she then verified my previous house number and street name, and I confirmed that it was an old address. Before I provided any further information, I asked who she was and what business they were calling about. The caller got rude on the phone and refused to tell me the nature of her call. She then said that since I refused to verify my identity, she can not provide me with any details about the company and why shes calling. She then also said that they will continue to call me until I confirm my identity, so I replied that I will continue to demand to know whos calling me before I release any other info. 
I googled the company to see if they are legitimate, and started to file a complaint but I would first need to divulge a lot of my personal information. I called their toll free number and asked to speak to a manager, and I was put to hold for XXXX. He refused to tell me anything about the nature of their call, other than the name of the company. I told him that were not going to get any further so please stop calling me as I have trouble sleeping at night and Im XXXX. During this tax time season, and the many ways that people are getting scammed, Im very skeptical about anyone calling me demanding confirmation of my identity, if they wont identify themselves first.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.

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