BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: Ability Recovery Services, LLC
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: Account information incorrect

Complaint:
I sent the Credit Bureaus letters asking them to verify the debt on my report. They have responded stating that everything verified correctly. My credit report is still showing inaccuracies ABLTY RECVRY Account Number : XXXX XXXX responded to my letter with a removal. XXXX and XXXX have sent responses stating the item was verified correctly 15 U.S.C 168 s-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 explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 received several unauthorised inquiries on my account since the beginning of the year I have asked for numerous times to get help to no Avail. There are also several clothes on authorised accounts which I try to get help with also to no Avail

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax, XXXX and XXXX are not doing their jobs. They say I have three charge offs or 30 days past due. Incorrect information on my credit file, I have been fighting these on ym credit for years and these agencies do nothing when I call in and Equifax will not even give me my credit report, they have cost me two jobs, I want it to stop. XXXX XXXX XXXX is reporting that I have been 30 days late, that is not true and my account ahs not been with them for over a year. XXXX XXXX  are scam artists, I paid on that loan for 4 years and it never went down, they can not even show me my original loan papers I did not agree to those terms of the loan and they never told me ti was a second mortgage, the loan ahs been sold several times. I have no paperwork, it has been over 13 years on my credit originated in XX/XX/2006. This should be off of my credit. XXXX XXXX is reporting 30 days late, I ahve never been late. XXXX XXXX/ XXXX , I woe them nothing, I ahd insurance and the phone shuld have been paid off, XXXX balance. I have a {$28.00} charge from XXXX XXXX, I owe them nothing. I have a medical bill for {$150.00}, I owe them nothing, I now nothing of this bill. All of these credit reproting agencies I ahve disputed all of these items and thye still kept them on my credit and did nothing. They deny me a credit report even after the job did not hire me or I was denied credit. I ahve another company looking in to a background check and a credit chck on me right now. It is ntof air, If I can not work how cna I ever pay anything. This seems like ti is very bias towards certain people. Equifax is horrible and needs to be fined. I can not get a report from any of them..I can not even file a dispute..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: GOLDMAN SACHS BANK USA
State: TX
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:
LISTED WITH XXXX APPLE CARD GS BANK USA, OPENED XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPENED XXXX XXXX XXXX LISTED WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APPLE CARD GS BANK USA, OPENED XXXX XXXX XXXX XXXX XXXX  OPENED XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPENED XXXX XXXX XXXX XXXX XXXX XXXX   OPENED XX/XX/XXXX LISTED WITH XXXX XXXX XXXX I OPENED XX/XX/XXXX APPLE CARD GS BANK USA, OPENED XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPENED XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX ALL THE ACCOUNT LISTED I HAVE DISPUTED AND ALL THEY HAVE ALL REMAINED ON MY CREDIT REPORT, I HAVE REQUESTED VALIDATION OF THE DEBT AND COPIES OF SIGNED CONTRACT AND NON OF THEM HAVE COMPLIED. THE COMPANIES HAVE EITHER SIMPLY STATED THAT ITS VALID WITHOUT ANY DOCUMENTATION TO PROOF IT. I HAVE ALSO CALLED EACH OF THESE CREDITOR TO LET THEM KNOW IM THE VICTIM OF IDENTITY THEFT WITHOUT ANY HELP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: NY
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. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Equifax about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? After doing so you will see that it is false to report I was late on XX/XX/2020. Please update and correct my account right away. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-04-18
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2023 Called 5 Times XX/XX/2023 Called 5 Times XX/XX/2023 Called 5 Times Calls on Saturday 's and Sunday 's and when I attempted to discuss the debt, I was cursed at and told I was a XXXX XXXX XXXX XXXXXXXX because I could not afford to pay the bill. 

I tried explaining it was due to a divorce and is my ex-spouse responsibility, but was told they hear that every day and just didn't care for any excuses. 

I have no idea who they are collecting the debt for, as I was never notified the debt was sold?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: Receivables Management Partners, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from RMP services on XX/XX/2023 at my request of verification and validation of said amount owed of {$900.00}. I told collector that the amount they are alleging I owe is incorrect. I noticed that the balance is astronomical and ask if I could get a complete breakdown/itemized copy of bill and the amount this company alleges I owe. I sent them a certified letter on XX/XX/2023. I received a letter back on XX/XX/2023, but it was not an itemized bill nor was it verified nor validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Overdrawn account for unnecessary fees. I cant open up an account

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 2023-04-17
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:
My name is 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. XXXX  XXXX XXXX XXXX Date opened XX/XX/2015 Balance {$7900.00}. Please delete ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Sunset Management, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
My wife, and I received a loan from Sunset financial, in XXXX, Georgia, in XX/XX/2018. When we got the loan, we asked that my wifes work not be contacted. We were only behind a couple of weeks on our XXXX payment when on XX/XX/XXXX, the manager, Mr. XXXX XXXX, called my wifes work. When the receptionist answered the phone, Me. XXXX, was very loud, rude, and threatening. He told the receptionist, XXXX XXXX, that XXXX, ( my wife ), better call today, or she would have a big problem. This is after XXXX, told him that she was in a meeting and he demanded to speak with her! I called the office and asked Mr. XXXX, not to call and threaten my wife, but he said he will call and do what ever he needs to! That if I didnt get in there that day, that I was going to have a big problem too! 
I called and made a complaint to the companys corporate office. I told them that his bully tactics, and mafia style threats were not very professional. I received a call from the district manager, a Mrs. XXXX XXXX. She proceeded to tell me that this was uncalled for and that she would take care of the problem. 
So, on XX/XX/2018, I went into the store and made a cash payment. After I paid, Mr. XXXX XXXX, stood up and started saying that I was lying and not to come into that store. 
He said We do have a big problem when you dont pay! 
I called Mrs. XXXX XXXX and put it on speaker phone, but she was unavailable. I left a message and told her what was going on. 
I walked out of the store and Mr. XXXX, followed me to my car. I had my XXXX year old daughter in the car and he proceeded to tell me how big of a piece of XXXX I am, because he was a XXXX, and a man shouldnt call in and tell on him. And I should keep my word or Im going to XXXX. He was shaking very badly and I told him to walk back in the store because my daughter was crying. She kept saying whats happening. Why is he yelling? So, I called Mrs. XXXX and left a message with the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
My old mortgage company reported on my credit that I was 30 days late and XXXX to 90 days late. To my knowledge I can for sure say according to my bank statements that i was late by XXXX or 2 months. 

I was also provide bad information via phone calls from members of the mortgage company when I had paid and than told to other things there for also being coerced into not paying on time. 

I also have a note book that I have written down phone calls that i have had with the company as well that I was told that I authorized money to be placed in my principal when I never gave consent or authorization to do so, I also was told by them that I asked to have payments reversed on numerous months when I never asked for that and I was provided certain dates that aren't even on my bank account. The story 's never a line from them. 

I had asked to always speak to someone higher and each time I asked I was told them couldn't help and when I did so, they would never allow me to send my supporting documentation and when once i finally was able to they said that there information didn't change because they said was they had didn't reflect what i had ( ie. Bank statements ). 

If you need more information please call I can explain more via a phone call because there are things that are easier to explain on the phone than through writing.

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 2022-10-26
Company: MRS BPO, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mrs Bpo constantly harasses me during various hours of the day and I never pick up as the number is unknown. Now I find out they have reported an XXXXXXXX XXXX account which isnt mine. This is the second collection company harassing me for this account which is not mine. The address on this account was from Alaska. I have not lived in Alaska for over 15 years. The phone numbers on the account are not associated with me at all. I have no knowledge of this XXXX account. I have not had XXXX for over 10 years. This collection needs to be removed from all the major credit bureaus immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Several time before this my wife would let me listen to voice mails she had received. It was the bank for this credit card, I never gave her number. I gave the correct information when I did the credit application. But they skip traced and got her number. I have not gotten mail from this company. Only from XXXX XXXX. 
On XX/XX/XXXX, I was answred a call to XXXX my wife. The guy did not confirm who he was talked to, he tried to strong arm collect this debt. by telling me he was taking me to court or charging off the balance if I didn't pay it tonight. I wouldn't talk to him. I was rude to him, on puropose. but asked for a manager. 
This guy acted like he had some sense, we set up the following arrangements. I paid XXXX that night, I would call XXXX on the following dates and pay XXXX per installment. XX/XX/XXXX and XX/XX/XXXX. I also told them I have a bill payment comeing to them every Friday from my bank, automatic. XXXX which it was agreed I would not have any other calls, my wife wouldn't because I updated my phone number. 
I made it very clear to the Manager, I would block the calls if they continued and they would only get my payments, as I send them in. he understood. 
Since then, I have gotten calls to XXXX ( my number ) XXXX @ XXXX XXXX, restricted numberXX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX @ XXXX, XXXX XXXX  XXXX XXXX, XXXX Robo caller XXXX XXXX, XXXX Robo Caller XXXX @ XXXX, XXXX XXXX XXXX @ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX, XXXX Robo Caller XXXX @ XXXX , XXXX ( restricted ) @ XXXX, XXXX Robo Caller XXXX @ XXXX, XXXX Robo Caller @ XXXX, XXXX Potental Spam XXXX @ XXXX. 
As you can see, these calls are excessive from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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 fraudelent accounts and inquiries on my credit report and consumer reports. 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this 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 receipt. 

account name : khol's/capone account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX  Owed : {$0.00} XXXX XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$0.00} XXXX XXXX XXXX  Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Someone is using my credit card & has spent over {$400.00} on it, all of the purchases occurring in California & Illinois. I am tempted to contact the FBI because I have attempted to inform the credit card company since XX/XX/2018 but can not get hold of anyone at the credit card company. No one ever answers the phone although I have waited on the line for as long as more than 15 min. The message is always the same : " We're sorry but we're experiencing unusual delays. Please hold as your call is very important to us. '' or " We're sorry but all our representatives are still assisting other callers. Please stay on the line as your call is very important to us. '' I did voice a complaint to two employees through the 'chat ' line of this credit card company but each time was told that they can not assist me, that I have to call their 'security ' number. I have tried to call the credit card company 's number on my statement ( XXXX ) and a number one of the 'chat ' fellows gave me ( XXXX ) but to no avail. Obviously this credit card company does not care about its customers or the fraud that is taking place. This is the THIRD TIME I have experienced fraud with this credit card company & each time they have sent me a new card but it does not seem to stop the problem. I think it's an inside job. Also, the music while waiting is so loud it upsets my hearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$880.00}, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: WELLS FARGO & COMPANY
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:
I was unable to get the proper verification/investigation that I asked after how many attempts. This business clearly violated my rights.

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