BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-25
Company: EQUIFAX, INC.
State: VA
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:
In XX/XX/2018, I notified Equifax via certified mail that several accounts listed on my credit report were a result of identity theft. I included an identity theft report and applicable statutory guidance regarding their action. To date, items remain on my account. Additionally there are other incorrect information listed. 

Last week, I sent Equifax another certified letter demanding all fraudulent accounts be immediately removed from credit file. Equifax has now placed these accounts in dispute in lieu of removal. This is illegal and highly unethical. Equifax must be mandated to adhere to the law surrounding identity theft, especially, since it likely a result of their breech. 

At this point, Equifax has ignored all attempts to correct my credit file. Please take immediate actions against them. 

Included in my initial letters were letter requesting Equifax to remove fradulanet accounts, proof of identity, copy of my identity theft report and law that governs credit reporting responsibilities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: Avant Credit Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On 3 separate occasions this year, Avant Card Services has proven to be misleading, incompetent, and not as transparent. There needs to be more educational training and customer service coaching for these phone representatives. Please note the following concerns that need to be addressed : 1. On XX/XX/XXXX, I was experiencing financial difficulty due to the pandemic. I called in advance of the XX/XX/XXXX draft date and spoke with a rep who confidently assured me that the payment would be cancelled and I would be unenrolled from auto pay until further notice. I precisely confirmed this with the rep and even re emphasized the importance of un-enrollment of auto pay because of lack of funds. I was reasaured of this and was even enrolled in the relief Program from XX/XX/XXXX, XXXX XX/XX/XXXX. On XX/XX/XXXX I see a charge for {$25.00} and was livid because I had a different expectation in mind based off of my previous conversation on XX/XX/XXXX. I called Avant to address the matter and they filed an internal complaint and then proceed to send me an email stating how the procedure is supposed to be and that they were sorry for the misunderstanding. Interestingly, I have made all of my payments on time during this so called relief period so that Avant will not report late payments to the credit bureaus especially because my trust in them to handle small matters has completely diminished. 

2. On XX/XX/XXXX I called Avant for a simple billing question. At this point I know I am officially off auto payments AND my relief program is ending in XXXX so I need to confirm the payment due date and amount. The rep advises that she sees a {$0.00} balance and there is no due date in her system but I am more than welcome to make a payment now. This did not make any sense so I disconnected with her and opted to call back a later time. 

3. On XX/XX/XXXX I called again for two simple matters. I wanted to see if I qualify for an increase and confirm my payment due date and amount. The gentleman proceeds to provide the same answer that there is a {$0.00} amount due however he states my payment is due on XX/XX/XXXX. I got into a little debate because the previous rep said I have no due date or payment this months since I am on the relief program. I have been making payments consecutively up to this point. It was super frustrating and the inconsistency leads me to believe there is some misrepresentation of facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This debt has been forgiven and I have received a 1099 form for it however it is still reporting as a derogatory account on my credit 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 explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent multiple letters and complaints to XXXX XXXX and transunion about the inaccuracy of the information on my credit report it has been more than 60 days since XX/XX/2021 and they haven't responded to any of my letters ether they are straight up ignoring my letters or taking advantage of me or both. I clearly stated that all three have failed to look into these items and investigate them or responded within a reasonable time of 30 days since it has been well over 30 days its been 60 days! I would like these items removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi ERC / XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Stuart-Lippman and Associates, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I noticed on my credit report I have a collection for Stuart Lippman and associations the balance is XXXX. I contacted them early XXXX of 2019 regarding this issue. The first day I called nobody answered, the second day I called a guy told me the person handling this matter was not available I even asked him can he enlighten me on what is this regarding my credit. He went on explaining he could not see what it was and I would have to talk to the person who was in charge. I called again the next day no one answered. I would like to remove this matter from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Spoke with XXXX at Clarity Services and it was necessary for her to have one more additional piece of documentation. To be clear, I am requesting this report as I have had 2 other consumer reporting agencies include erroneous data - addresses, numbers etc on my report. I aim to remedy that and dispute anything that is not accurate within 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 explanation
Consumer complaint received 2020-07-02
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Selene Finance Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Selene Finance has received a complete package, including the buyers Drivers License to clear the OFAC requirement. They have even submitted the package to their investor for review. Yet, they are refusing to postpone the auction. 

**************This is dual tracking, and it has been determined that this is a violation of Regulation X. XXXX has already been fined for this exact behavior. See highlighted section on page 2 of the attached CFPB release dated XX/XX/2020. 

******The precedent has been set that refusing to postpone a foreclosure auction while being in receipt of a complete package is a violation of Regulation X. Therefore I want the foreclosure date to be postponed so that the investor may have time to review the package submitted to them by Selene. 

-- -- -- -- -- -Additionally, we have not been allowed to speak to a human being at this company. We are forced to leave a voicemail, and have not gotten return calls from Selene. This is a violation of the SPOC guidelines and servicing guidelines set forth by the CFPB and the State of California. 


-- -Also attached is my Third Party Authorization Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested the collection agency to provide me validation of the debt or information to show that they can collect on this debt. They have failed to provide me a copy of the lease or anything showing the amount and how it got to that amount that they are saying I owe. I requested validation on XX/XX/XXXX,  XX/XX/XXXX and I have received no information. I attempted to contact the office both times there representative would only discuss how i would be paying the balance of XXXX by credit card or check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: CITIBANK, N.A.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened a bank account in my name and withdrew XXXX dollars The bank name is Citi Bank the Routing Number is XXXX and the Account number is XXXX I'm not sure how they done it unless they have a ID or drivers license in my name i tried to call the bank but could not access the account it is Fraud!!!

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 2018-03-30
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2018, credit manager at XXXX XXXX ran hard credit check without permission, and assured that credit runs were not " hard runs. '' I pulled my own credit report to verify, and it showed unauthorized hard runs. 

Vehicle Deal Number is 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 2018-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/2018, credit manager at XXXX XXXX ran hard credit check without permission, and assured that credit runs were not " hard runs. '' I pulled my own credit report to verify, and it showed unauthorized hard runs. 

Vehicle Deal Number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
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:
This company is unlawfully reporting a debt that is not owed to them. They refuse to accept payment for a debt. and refuse to report correct information on credit agencies. They have responded but have not removed themselves or updated the information on the credit reporting agencies. This is debt collection harassment keeping a debt stuck in limbo with no option to pay. you do not own the debt explain why you are reporting that you do?

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 2021-06-02
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 company is unlawfully reporting a debt that is not owed to them. They refuse to accept payment for a debt. and refuse to report correct information on credit agencies. They have responded but have not removed themselves or updated the information on the credit reporting agencies. This is debt collection harassment keeping a debt stuck in limbo with no option to pay. you do not own the debt explain why you are reporting that you do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a new Chase Total checking account and received 2 direct deposits. The bank paid me {$200.00} for doing so. Next I was accepted for a new job where the employer deposited a {$500.00} deposit only check into my account. The bank would no longer allow me access to my online account, locked me out from my debit card and wouldn't even let me withdraw from my other direct deposits at the bank. I would call and they would hang up on me repetitively and play games with the phone line. I was told that the check bounced and was fraud. I don't believe this is true. Nonetheless I was told that they were closing my account after they penalized me {$12.00} for the {$500.00} deposit only check. They then finally after 2 weeks sent me a check of my remaining balance. I was told to never try to open an account with Chase again. The fraud department just hung up on me too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My mother, XXXX XXXX, received a letter from National Credit Systems on behalf of XXXX XXXXXXXX XXXX in XXXX, NC on XX/XX/2018 about a balance of {$2100.00}. Eventually, the balance was reported as a collection to both myself & my mother 's credit report. The issue with this is that neither my mom or I had ever stayed at XXXX XXXXXXXX. My brother/her son, XXXX XXXX stayed at the apartment. I have never received any correspondence from National Credit Systems about this matter, just my mother. On yesterday, she received an itemized invoice, filled with frivolous charges, including damages to the room & that the keys weren't turned in. He no longer lives at XXXX  XXXX & he made sure everything was taken care of. He was the one financially responsible for this apartment, but yet isn't suffering any type of consequences. My mom & I sent NCS both a " Cease & Desist '' letter, as well as a letter to explain the situation, yet they are still reaching out to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: MO
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:
Equifax, XXXX and XXXX is reporting that someone made a inquiry request on behalf on my name that was not authorized by me. The hit came from XXXX XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Resurgent Capital Services L.P.
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 HAVE CALLED THE CREDIT AGENCIES AND THE COLLECTION AGENGIES TO HAVE THESE REMOVED THEY ARE NOT MINE AND I EXPLAINED TO THEM IT IS FRAUD. I HAVE HAD MY SS #, MY ID ALL MY BANK STUFF STOLD AND I KNOW MY INFO IS BEING USED. I HAVE ONE THING THAT SHOULD BE ON MY CREDIT AND THATS XXXX XXXX, I HAVE NOT EVEN APLLIED FOR ANYTHING IN OVER 10 YEARS OR GAVE MY SOCIAL TO ANYONE BUT XXXX XXXX, XXXX AND MY HOUSE I RENT. NOW MY CREDIT IS RUINED BECAUSE OF THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: IL
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:
Called XX/XX/2022 spoke with XXXX ( id XXXX ), XXXX XXXX id XXXX ), XXXX XXXX id XXXX ), XXXX ( id XXXX ), all stated to be supervisors and where all unfair and continued to violate my rights as a consumer. I was told to get help I would have to send a police report. I asked for the law or a policy to show I needed to do so. I demanded all accounts and inquiries be removed from my consumer report and file that I did not give consent to furnish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: CITIBANK, N.A.
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:
These accounts don't belong to me. Plese remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

Identity Theft 1. XXXX XXXX  Account Number : XXXX**** This is not mine.

2. Identity Theft XXXX Account Number : XXXX**** This is not mine.

3. Identity Theft BEST BUY/CBNA Account Number : XXXX**** This is not mine.

4. Identity Theft XXXX Account Number : XXXX**** This is not mine.

5. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

7. Identity Theft Chapter XXXX  Bankruptcy Case Number : XXXX This is not mine.

8. Identity Theft XXXX XXXX  Date of inquiry :XX/XX/2019 This is not mine.

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.

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 2019-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a identy theft victim and have this on all 3 bureaus and someone opened several accounts without contacting me to confirm now portfolio recovery associates has purchased these and has been hounding me for money I am XXXX and can barely afford my bills but they have taken it upon themselves to hire lawyers and sue me for this debt I had already sent each company a police report before they sold the accounts I have been bullied into paying to of these to stay out of jail the credit bureaus say they investigate and always find in favor of portfolio this is very stressful and wrong

Company response to consumer: Closed with non-monetary relief