BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
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:
Ive contacted Equifax to advise them that there was an account opened and inquires that I didnt authorize on my credit report and the issue have not been resolved. I am a victim of identity theft. I do not know who the person is but I didnt authorize anyone to open an account in my name or run my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: CITIBANK, N.A.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX client XXXX XXXX is a victim of ID theft. His information was used to apply for credit accounts without his permission. While accounts were not established the application process left fraudulent related inquiries on his credit reports. XXXX XXXX  and XXXX are items that remain on a credit report as inquiries after having been verified as fraud related. These inquiries left on the reports are a violation of the FCRA and my clients consumer rights. A previous escalation of XXXX XXXX was made to the CFPB, a letter confirming the removal of the data was received however an XXXX  credit report obtained XX/XX/2018 still has XXXX XXXX listed in the hard inquiry section of the 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
Consumer complaint received 2019-04-19
Company: Fair Financial Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Fair placed a hard credit inquiry against my XXXX credit without my knowledge or approval. 

They claim to not have a letter of deletion to remove Fair is a car  subscription app. They require you to take a picture of your licence and give personal information at the start of the app 's process ( SSN ). While researching, Fair claims that this is just a " soft-inquiry '' and  they will not appear on my credit. It even said upon the initial entering of the info that this was just a " soft-inquiry '' and would not effect my credit. 

I was browsing cars on their app on XX/XX/2019. I found a car I was interested in. After selecting some possible payment plans and addition add-ons, I was prompted with a button " Check Car Availability ''. Nowhere along this process I was informed that this button would initiate a HARD credit check. I receive an email which I will attach below. 

Again, nothing having to do with a HARD credit inquiry. I received those contracts, and after review, decided that I would not be moving forward with this car. I did not sign any contract, proceed with any payment, and I canceled this transaction.

Apparently, they grabbed my info which was entered at the beginning of the app ( necessary for even using it ), and applied for a hard credit inquiry at this point. That information was entered initially with the assurance that this was only for a " soft-check '' - but then they later use it for a hard inquiry without informing me at all.

To my surprise a few days later, there is a HARD inquiry against my XXXX credit by Fair on XX/XX/2019. I contacted XXXX and the only way to dispute and remove the inquiry is to receive a " Letter of Deletion '' from Fair and mail it to XXXX. 

When calling Fair - they kept me on hold for 30 minutes - just to tell me that they do not have that type of documentation at their business. 

Shouldn't they be required to have the document if they are regularly doing both soft and hard credit checks? 

So now I am stuck. I can not dispute this inquiry with XXXX   without the document from Fair - which they will not provide. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Direct Recovery Services, LLC
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a loan account with XXXX  XXXX  which was sold off by them to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX NH XXXX XXXX XXXX. This company authorized XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX to collect this debt on XX/XX/XXXX On XX/XX/XXXX I agreed to a settlement with XXXX and it off in full over the next 3 months. 

However it seems in XX/XX/XXXX, XXXX XXXX XXXX has again appointed Direct Recovery Services ( DRS ), XXXX XXXX XXXX XXXX XXXX  MN XXXX XXXX XXXX to collect this debt AGAIN. 

DRS is now calling me and sending me letter attempting to collect a debt that has already been settled in full 2 years ago. 

I believe XXXX XXXX XXXX and DRS are groups with malintent that just try to harass people for debt that is already paid off and should be barred from doing business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Resurgence Legal Group, PC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The beginning of XX/XX/XXXX, I received a notice from my HR department at work that my wages were being garnished. My HR department provided 2 pages ( Citation Notice and the page with the calculation of the wage garnishment ). The total amount on the page was for XXXX. And from looking at the Citation page it looks like the citation was sent to an old address of mine. I never received any information from this creditor about this citation or any hearing dates. I moved to a new location as of XX/XX/XXXX and the citation paperwork was sent as of XX/XX/XXXX. 

I was denied " Due Process '' of the law because the creditor did not properly serve me and allow me to request any type of verification of the debt. 
What did I do to try and contact them - I reached out to an online law team to see if they could file papers on my behalf. The company filed an answer to the citation notice but I have not heard anything from the company ( and I'm assuming that I will not because again I did not receive the paper work when it was file and I probably missed the deadline date for the answer ). 

Now they have created all type of hardships for me by garnishing my wages. I spoke with the HR Dept. today and they said that now the total amount owed is XXXX. I really need help in resolving this issue with this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Collectibles Management Resources
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
XXXX XXXX XXXX  # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. 
This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt. 
If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish this inaccurate negative information to the credit reporting agencies. 
The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States? 
If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable. 
Does this account include a finance charge? If so, does the finance charge include a premium the protects the creditor in case of default? Has any insurance been filed on this account? If a 1099c or any insurance has been filed on this account, you have no right to continue furnishing this inaccurate information to coerce repayment of this extension of credit. The continued reporting of this inaccurate information would constitute a breach of fiduciary duty. 
Since there is no law under the Fair Credit Reporting Act requiring your financial institution to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. 
Your companys policy does not supersede federal law. I am demanding this charge off is UPDATED to PAID AS AGREED with a {$0.00} balance and a DELETION of all negative information be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.

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 2021-02-16
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
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:
XXXX XXXX is reportig 3 fraudulent accounts to my credit. They dont belong to me and I am requesting their removal from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Synovus Bank
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 1STPROGRESSXXXX reported on my credit for the amount of {$140.00}. They are unable to collect a debt or report to credit due to not been licensing or having a bond in the state of TN!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: JPMORGAN CHASE & CO.
State: CA
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
The available beginning balance of {$9500.00} stayed in my account no withdrawal until XX/XX/XXXX. The card was requested without my consent to an unknown address on or around XX/XX/XXXX is what I was told on or around XX/XX/XXXX by your customer service. The procedure that Ihad to do was send in my identification to change the address on XX/XX/XXXX XXXX. What I see is a violation on the consumer liability laws .My account was compromised by an individual who requested a Debit card to be mailed to them with an unknown address they have no record according to the customer service when we spoke on numerous dates .The theft never sent in any personal identification I was told. I would not have access to any statements if this is where my statements would be sent.The total amount taken is {$36000.00}. This law should exclude myself from any unauthorized transaction which I wouldn't report in time this frame. I been asked to summit a second unauthorized transactions request for reimbursement. The first request did not contain the documentation of the police report and knowledge of where the card was sent. I had an instant fraud alert which should allow me to re-submit my request to the Relia Card which is associated with US Bank.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: GA
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:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX XXXX Account Number : # XXXX 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 an 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 2021-09-24
Company: ALLY FINANCIAL INC.
State: CA
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

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 2017-09-11
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: Was not notified of investigation status or results

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was going over my report and found XXXX XXXX # XXXX listed on my credit file. I have never seen this account. I have no knowledge or memory of it. I am demanding a investigation of this information. I need to do my own research as well. I am requesting a CEASE AND DESIST until I can further go over the records or contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: ENCORE CAPITAL GROUP INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received another letter from Midland credit management. A cease and desist letter was sent out last year and now here I am today being contacted by letter, which is a violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: LA
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 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 2019-07-22
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I scheduled my payment for XX/XX/XXXX on XX/XX/XXXX to be processed on XX/XX/XXXX via electronic debit as usual. After XX/XX/XXXX I at least received 13 calls that I've found so far between XX/XX/XXXX and XX/XX/XXXX, along with 2 written notices to make payment and several text messages requesting payment. I sent 2 chat messages advising Ally that I had already scheduled my payment and to kindly stop trying to  contact me in early XXXX but the calls and texts kept coming. I escalated my frustration at this harassment and got a call from Ally on XX/XX/XXXX, I returned the call leaving a voicemail on XX/XX/XXXX and haven't gotten a response. They clearly have issues either recognizing payments that are scheduled or just are intent on harassing people, either way, it's highly unacceptable.

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 2016-04-08
Company: Williams, Rush & Associates, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Collector has called numerous times after being told repeatedly to stop calling. Now collector has automated calling system that calls daily. Collector threaten to revoke previously acquired government issued license. Collector has called family members threatening legal action. Collector and parent debt was never given family members phone # 's. Collector calls from different phone numbers each day. Collector has made repeated hard pulls on credit reports forcing score down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: WELLS FARGO & COMPANY
State: LA
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:
I have not had a loan for a vehicle for myself in over 10 years why are they still appearing on my credit report I have no knowledge of that loan. I want a copy of my credit report and proof that it was I that was supposed to be on that loan.Cause me and my spouse are not on the same account as I have removed with her a long time ago.However my spouse and my son did o pop purchase a vehicle in 2018 and I was not involved in that transaction action.However this keeps popping up on my credit report my son and I have the similar first name, So I want a copy of my credit report saying that it was me on the loan. I have been doing a lot of research and Im suspicious of my spouse using my credentials cause I have the superior credit score, And if thats the case I want it removed from my credit report cause I am pursuing criminal charges

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