BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-18
Company: EQUIFAX, INC.
State: AL
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:
XX/XX/XXXX my credit report was completely wiped out leaving only 2 collection accounts, and 4 hard inquires. I called in to inquire and was told that the accounts could not be added back until the creditor adds them back per law. On XX/XX/XXXX, everything had been reinserted including things that had been previously removed due to being disputed. I was NEVER given a 5 business day  notification per FCRA and has since been blocked from being able to view my report online. Since I have also been notified that my credit reports have been going to a wrong address that I have also disputed. I called in and they advised me that I had requested to have the address changed which was a lie. They also sent me a credit report with my name and the wrong last 4 of social. I called in and they denied that too. I would like to know who is responsible for holding this company responsible? Are they NOT to follow the laws and guidelines established by the CFPB and FCRA? I have filed a separate complaint with the CFPB that is still open and what Equifax has done was place EVERYTHING back into dispute without my request which is another violation. Who will ever hold them accountable for their actions? Is this something that is often pushed under the rug? Whats the puropose of CFPB and FCRA if you guys will not hold them accountable?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-04-24
Company: Stenger & Stenger, P.C
State: GA
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:
Im trying to close on my home. A title searched showed a lien on my property that I have no idea who these people are. 

It is recorded in XXXX XXXX XXXX XXXX in XXXX GA per Case Number XXXX on XX/XX/XXXX. 

The judgement was in favor of XXXX XXXX at XXXX. 

I called and they transferred me to Stegner and Stenger Law office located at XXXX XXXX XXXX XXXX XXXX MI XXXX at XXXX. 

I spoke to XXXX XXXX on XX/XX/XXXX. She was very rude and confrontational. After explaining I was not this person. She insisted that I must provide the last four digits of my social security number otherwise she couldnt give me any information. 

Under coersion I provided the last four digits of my social security number and the only information she provided was an email address. 

She did not need any part of my social security number to provide an email address. 

To tell me I need to send an email to have it removed is crazy. They should have removed it automatically since its the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit Collection Serv. ( Account # XXXX ) has reported a collection account to both XXXX and XXXX without allowing me an opportunity to request validation of this alleged debt, which is a violation of my consumer rights under 15 U.S. Code 1692g. I was never provided proof that this alleged debt belongs to me, the name of the original creditor or that the amount of this alleged debt is correct. I have sent in multiple validation request letters to Credit Collection Serv, and I have yet to be provided with validation of this alleged debt. This alleged debt is unfamiliar and to my knowledge, unvalidated. I have also tried disputing this account with XXXX and XXXX on multiple occasions and each time my dispute results have come back as " Verified ''. This is frustrating to me because my consumer rights are clearly being violated and the collection company has yet to respond to any of my validation requests, but XXXX and XXXX have continued to report this information as accurate on my consumer credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have sent a USPS certified letter to XXXX XXXX XXXX Account # beginning in XXXX to verify debt they claim I owe to their company. They in return have made an attempt to resolve this matter of validating the debt

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 2022-03-28
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved out of my apartment in XX/XX/2018 after graduating from XXXX. I turned in my keys and moved across the country from Indiana to Arizona to start a new job. I knew I had to pay utilities for the month after I moved out so I submitted my XXXX payment. I thought that was my final payment. A year later I got a letter from a debt collector saying I owed {$100.00}. I was confused and called XXXX XXXX to discuss the payment. I was moved out, I should not have owed money. They said it was for the month of XXXX. I moved out in late XXXX. I called my apartment complex and apparently a roommate didnt return his keys, so I was technically still liable for the apartment. I immediately made the payment once I found the cause. I later learned that if I asked the debt collector to remove the delinquency prior to paying, they would have. But I didnt know, as Ive never missed a payment and never been sent to collections. Both XXXX XXXX and the debt collector refused to help or do anything, since this was clearly a misunderstanding. XXXX at XXXX point said a woman would send a letter, but never did. My credit is tarnished because of this. One agency took my side and removed it and my credit is around 800 with them, the other XXXX show around XXXX. The other XXXX simply ask for a letter stating it can be removed. XXXX and the debt collector say it is not our policy to send letters for these matters. I can not do anything, can not get help from them or credit bureaus. I am stuck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Direct Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls to collect debt for person not associated with our phone number. When I call back they are abusive quickly stated have debtor update records and hang up. Have called at least two three times daily for past three weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: NV
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX. XXXX - XX/XX/XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$8300.00} XX/XX/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 2019-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 disputed the student loan account with the credit bureaus for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal, this requires immediate deletion.. 
US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , US DEPT ED XXXX , US DEPT ED 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 2023-04-24
Company: EQUIFAX, INC.
State: AZ
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$8300.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 discovered in XXXX of XXXX that I was a victim of identity theft. I immediately filed a identity theft report with the FTC and gathered all information and submitted notice to Transunion, XXXX and XXXX. The information was received but all three credit bureau 's ignored my attempts to have this corrected. I was able to get some of the fraudulent accounts removed with the original creditors but still have some that I am unable to have block. I have sent all three credit reporting agencies with notices in XX/XX/XXXX and in XXXX when subsequent identity theft was committed. All three credit reporting agencies are picking and choosing which information they will block and which they will not. I feel like this is the next step I am having to take to get this resolved before I try to take this to small claims court.

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 2018-04-27
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This card has been in use for many years and credit use was terminated over two years ago due to a few late payments. After that time payments were regularly made in excess of the billed amount with approval of the PNC Bank. We have been charged {$35.00} late fees on multiple occasions in addition to added finance charges which began showing on statements as a purchase withdrawal. These withdrawals were never authorized and I consider them as fraudulent and unapproved theft. I feel that all of the {$35.00} late fees are also fraudulent due to my overpayments on the account which easily exceeded the amount due by approximately 200 % or more. I was only able to attach documentation of these charges back to XX/XX/2017, but they go much further back in time and should also be added to the charges shown on the accompanying account document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions 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:
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 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 explanation
Consumer complaint received 2022-03-28
Company: Aargon Agency, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from XXXX at XXXX am XXXX on XX/XX/2022 claiming to be Aargon Agency which is a debt collection agency trying to collect an unpaid debt for XXXX XXXX XXXX XXXX for services to the house XXXX XXXX XXXX, XXXX NV XXXX. This house was lived in by me and my ex-wife before we divorced but now she lives in it by herself. XXXX XXXX XXXX XXXX was the power company for XXXX decades ago but is now known as XXXX XXXXXXXX. The XXXX  XXXX account for this house was in my name during the marriage but is now in my ex-wife 's name. The person claimed I owed {$280.00} for services provided from XX/XX/2022 to XXXX. He knew the last XXXX of my SSN. He read off an account number and it was very close to my account number with XXXX  XXXX but not exact. I logged onto my XXXX  XXXX account and it said I owe nothing. My ex-wife also logged onto her account and she also owes nothing. The guy ( XXXX ) told me to go to this website : https : XXXX and to log on using XXXX and account number XXXX to see for myself.

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 2019-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have proof from social security admin saying I had a rep payee from XX/XX/XXXX to XX/XX/XXXX and there are a lot of neg accounts on my credit report that were never paid by these payees and unapproved hard inquiries on my credit reports and I feel these payees trying to get credit in my name and TransUnion XXXX and XXXX  won't take proof from SSA saying I need to file a police report on paying not paying bills and the police department says its a civil matter

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 2018-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On/around XX/XX/XXXX, I a settlement was made. I called repeatedly requesting the settlement to be in writing.

On XX/XX/XXXX, the company sent an agreement in writing via email, however, it did not state the payment would be final and resolve. On the same day, I replied requested to modify the statement, no reply.

On XX/XX/XXXX, I called and request the same agreement and detailed it should include " once paid, matter considered resolved ''. Representative stated she would get the letter sent.

On XX/XX/XXXX, I called and requested the same.

For about a week or so after, I called almost everyday asking the same.

On/around XX/XX/XXXX, a representative called me asking to resolve matter. I explained the situation and she, again, promised to get agreement sent via email.

On/around XX/XX/XXXX, same representative called stating that the agreement was sent. I informed her I did not receive it, additionally, she insisted that it was sent. But when asked for the same email to be forwarded, she refused.

Finally, she stated that since it is not past the " agreement '' date, the full amount is due.

It seems the company purposely did not send me the agreement in order to make it look as if I missed the agreed date. I stressed how often I called to ask for the agreement, but every time they failed to sent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-04-24
Company: BARCLAYS BANK DELAWARE
State: PA
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:
To Whom It May Concern, XXXX XXXX XXXX, I called Barclays ' customer service to report fraudulent charges on our credit card account : XXXX ( XXXX ) charges for USD {$1700.00}, which appeared to have been initiated on XX/XX/XXXX, made to " XXXX XXXX ''. 


For the record, we have never made any purchases with " XXXX XXXX XXXX online or otherwise, with our Barclays credit cards ; we never received a receipt for any purchases made, nor received any confirmation from Barclays or anywhere else, via email or otherwise, that any purchase was made to this effect. 


When I called Barclays on XX/XX/XXXX, the same day the purchase was posted to our account, I was told the card would be canceled, the fraud claim would be investigated, and we would hear back in writing in XXXX days. 


Also for the record, we have multiple chat transcripts, emails, and other records indicating the tickets in question were purchased without our permission by XXXX due to a system error. 


It has been over 2 months, and it remains clear Barlcays is holding me, the cardholder, responsible for a vendor error. 


These charges are not ours, and XXXX is happy to return the moneys, but as of today Barclays refuses to help XXXX return those moneys. 


Since we can't seem to trust Barclays XXXX Customer Service or Fraud departments to do their job with integrity, we are writing because every single representative we have spoken with since initially calling about this issue has told us falsified or incorrect information, and now almost eight weeks after initiating our fraud complaint we still have nothing in writing from Barclays : nothing in the mail, no emails, nothing even on our account online, and literally no one at Barclays that we have spoken with can verify anything is being done to fix this problem. 


It is clear that Barclays customer service has not done their jobs correctly, and that our claims that we did not initiate or complete this purchase are being ignored. 


A successful resolution to this error will be for XXXX to return Barclays funds to Barclays ; my account ( ending XXXX ) to be closed, and a letter of apology sent to me and my wife for this despicable excuse for customer service. 


We will appreciate nothing except prompt and proper resolution of this issue. 


XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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