BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
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: Was not notified of investigation status or results

Complaint:
I have disputed an account from my credit report that is still there and per the laws incorrect and inaccurate info would be grounds for removal and this has not happened. Not only has it not happened I have never received my investigation results. One of the times I even sent out the mail via certified so I know they received my letters. I never received my first set of responses so the second set I mailed certified. I'm asking my XXXX XXXX XXXX account I'm disputing to be deleted for it's inaccuracy and for the lack of response. 

I sent out the first set XX/XX/20 2nd set- XX/XX/20 3rd set XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Continental Finance Company, LLC
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Contentatal Finance in charge of XXXX credit cards robot called me 28 times within two days. I attempted to contact their customer service number to let them know this was not alright. When I called their customer service number I received the recorded message during business hours that no one was able to take my phone call and then the call disconnected. I finally called the bank who issued the card, XXXX BXXXX in XXXX XXXX XXXX Utah. They said they would send an email to Contental Finance to have them call me. I expressed to XXXX XXXX how much I did not like their parents practices. No company should be allowed to harass someone like this.

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 2020-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
In XX/XX/XXXX, I filed Chapter XXXX Bankruptcy. At that time, I had a Bank of America credit card XXXX that was issued on XX/XX/XXXX. After I filed bankruptcy, Bank of America showed the account delinquent in XX/XX/XXXX. See attached exhibit showing XX/XX/XXXX date of first delinquency. 

Bank of America then closed the account and re-issued the card with a new account number XXXX separating that account from the Chapter XXXX petition. Then, since they were not receiving payments from the bankruptcy trustee, they showed the account delinquent in XX/XX/XXXX. 

These two card numbers are the same account and therefore both should should show a XX/XX/XXXX date of first delinquency, which will be removed from my credit report on XX/XX/XXXX. 

I disputed this information with XXXX, but the dispute results stated " consumer dispute not specific '' even though I checked the box that designated an error on the date of first delinquency and provided a detailed statement to the credit bureau.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On *date letter was sent on the dispute* i sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later i have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person.

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 2020-07-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report :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 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 2022-12-14
Company: EQUIFAX, 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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many inquiries that need to be DELETED. The 3 credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be deleted immediately. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EMBRACE HOME LOANS
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Embrace Home Loans I was given good faith estimate on XX/XX/XXXX for XXXX with my closing cost to be XXXX minus for any out of pocket costs for inspections etc. at closing. {$530.00} for appraisal, {$400.00} for home inspection & {$50.00} for pet inspection. This was not honored. 
My contract was written for XXXX closing cost XXXX, I was not reimbursed for my out of pocket costs as promised and I had extra expenses tack on at the last minute. I was not given my final numbers until about XXXX on XX/XX/XXXX and my closing was settle for XXXXXXXX on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-23
Company: Exeter Finance Corp.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
How are you my name is XXXX XXXX I am trying to dispute this information in regards to exititor finance which I applied for a car loan and I received a loan however I went on my XXXX XXXX  credit report and saw that exit or sold my account to another company which I was not aware of and from my understanding I am upset because how can they say on my account with a number company and I didnt provide the company my information for her Social Security number phone number and address its like selling myself which I can not be sold so I think that is very wrong to do that without contacting me to let them know that they are selling my account to another lender again which I have no knowledge of this lender and again Exitir so theyre basically my social birthdate and address which I didnt give that company my information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX 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 2018-04-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks XXXX XXXX   Inquiry : XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry : XX/XX/XXXX Never gave permission to run my credit, I was never asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: TX
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: Other problem getting your report or credit score

Complaint:
I have had a PAID membership with Experian since 2016 and, have recently been running into problems with the billing department. They have been charging 5-6-7 times in a single cycle. When I call them to confront the situation they say it's my fault but, they will refund the money. Well, it just happened again. And, I'm sick of it. This time when i called they hung up on me several times. Didn't refund all of the money they took without authorization. And, they cancelled my credit membership without my permission. They are rude, incompetent and frankly shouldn't be in business.They are STEALING my money. And, I plan to press criminal charges and file a civil lawsuit, if this is not fixed immediately. They are also failing to respond to my disputes in the time permitted by FEDERAL LAW. They are letting inaccurate information be reported to my credit. Also, a violation of the FCRA.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 2018-10-18
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called the credit card companies and told them I was unable to make the payments due to financial hardship I was having. The representatives with whom I spoke with several times, told me I had to pay regardless. Therefore, I had to make a drastic decision and I stop paying. Then, the cards were charged off. I started receiving calls everyday to collect the payments on charge off cards. Then my accounts was sold to XXXX XXXX and XXXX XXXX has been calling me everyday, and on my job. When they called my job, the representative would ask for me, they would have have to be transferred several times, not only that but once they are transferred to me, they would still ask for me, and when I would tell them I am not allowed to receive calls on my job and I hang up. This company still call me on my job. Now, I have received papers stating this company will be seeking legal actions if payments is not received by this month. I did not sign a contract with XXXX XXXX and I do not owe this agency. I have been receiving calls from so many other advertising companies due to my personal information being sold, even through the mail. I have gotten to the point I do not answer my phone because I don't know who is who or who to trust due to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX  or XXXX  XXXX. But, obviously, the CRA 's do not care about following the law or even adhering to the law. The FCRA is clear about verifying with the furnisher, but the CRA has ignored my requests after 6 plus dispute letters concerning this inaccurate and inconsistent listing. If you are getting your information from the same furnisher - why is the information so wrong, inaccurate, and inconsistent? You did not get this information from the court - attached is a letter from the court proving you did not verify with the court. I will also file with the AG in my state amount this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$160.00} XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX  XXXX Balance : {$400.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-10-18
Company: Client Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2018. Received a Debt Validation Notice from Client Services from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. 

Per Federal Law and guidelines established by the Federal Trade Commission, I advised this debt was time-barred and the statute of limitations expired months previously. Response was in writing as the law requires, including copies of supporting documentation and copies of the Statutes as they apply in the case. 

In my written response, I asked Client Services to notify me of any course of action they took, and/or notification once they closed this account. My written response was mailed on XX/XX/2018. 

On XX/XX/2018 at XXXX ( EST ) I called Client Services and spoke to two different people. XXXX XXXX and XXXX XXXX. Both employees were unprofessional, dismissive, and claimed repeatedly, There is nothing in this office that I can discuss with you. They advised me to contact the original creditor, XXXX, who they are representing. I advised Client Services that I sent my written validation notice to Client Services, not XXXX. 

Client Services refused to assist or discuss anything with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Commercial Recovery Systems
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX and XX/XX/XXXX I had received a call from XXXX stating he was from CRS and Associates stating that I issued an online check to their client that bounced. They stated the date of the transaction happened on XX/XX/XXXX. I called the bank to check on this claim due to having closed this account years before said date and they could not locate my information or any claims. I asked the guy working with CRS and Associates to send me a letter explaining the claim and info on the collections so I can look it over and He said they would not be sending me a letter. Would not let me talk, kept cutting me off saying that they were going to file this and see me in court next week. I tried to explain that I called the bank on XX/XX/XXXX and he got loud with me saying I did not call them because he just got off the phone with them this morning on XX/XX/XXXX and hung up on me.

Company response to consumer: Untimely response