BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-03
Company: EQUIFAX, INC.
State: KS
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:
While at my bank on XX/XX/XXXX, I was alerted by my credit monitoring service that there was a derogatory entry put out to my Equifax file tied to a collection company. At first, I was not able to determine the source of the collection, as I didn't owe anyone anything. When I got home, I immediately got on Equifax 's website to do a dispute. I entered all the correct information about myself, then answered all the security questions correctly, to prove who I was. Once in my credit file, I could see that a company, XXXX XXXX XXXX in XXXX, KS, was reporting a collection against me for {$26.00}. This was a fraudulent collection entry as I did not owe this money, so I went ahead and filed the dispute, only to learn a short time later, that this collection activity was due to the incompetency of their client, XXXX XXXX of XXXX, KS, for not having the correct address in my file. The bill in question was paid, in person, way back on XX/XX/XXXX, because I had not received anything in the mail from them. I was assured then, that she would pass on the updates, and that it was long before ever going to collection. I was " all set '' according to her. Come to find out on XX/XX/XXXX, that never happened, because XXXX had no records of such change. Again, the person at XXXX XXXX was supposed to have updated all parties with the correct information, but has no proof to provide she ever did. On Sat, XX/XX/XXXX, I got an email from Equifax indicating that my dispute has been finished, and to log in with the supplied reference number to view the results. I did as before, entered all of my correct information, as well as the supplied reference number, but this time I got a message that the information I had entered did not match what was in your system. So now, I've gone from bad to worse. I'm trying to buy property as well as a vehicle, but now I'm frozen, and am at risk of losing the property I want, as well as a promotional interest rate for the vehicle. All because XXXX will NOT correct their error. First XXXX told me on XX/XX/XXXX, they were going to expedite that correction with you, because it was their error, to then saying on XX/XX/XXXX, that you issued them a " cease and desist '' order, dumping everything on me. This whole mess is due to the incompetency of an office clerk at XXXX XXXX, and this collection company, who but the way, has dozens of legal complaints against it for this very type of activity. When I try calling Equifax, all I end up is being put through a series of phone options. NO HUMAN TO SPEAK WITH! According to the FTC, KS Attorney General, XXXX, bank, and others, XXXX is in violation of several FCRA, FDCPA Laws, to which they know, but don't care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03
Company: BBVA FINANCIAL CORPORATION
State: TX
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:
compass bk pulling my credit XXXX XXXX XXXX XXXX and XXXX  having isssue removing my fraud alert with all 3 's XXXX, XXXX, and XXXX ftc law was put in place to have this done in 1 hour of the request read ftc guidelines XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I disputed a negligent fraud account that was opened in using my personal name and social security number. After disputing this with XXXX credit bureaus, they never responded to my inquiry after I sent them a copy of the police report of stolen identity. A federal trade commission report that I filled out as a victim of stolen identity and after months of going back and forth with them they decided not to respond to my last two letters sent out to them with my signature. It has now been 30 days and still no response from Transunion. This was disputed multiple times. And multiple times they have denied any allegation of fraud even though I submitted to them the suspect who committed the fraud with all of his personal information including his first and last name, ssn, mailing address, birth date and the suspects driver license number. This false negligent reporting is hurting me and my family 's financial progression moving forward. This is just a stall tactic to try and use to get some one to own up to it. The police report was filed with the XXXX XXXX sheriffs office. I need to have this removed off of my credit report ASAP. Not to mention the original creditor actually sold the account to a company called XXXX XXXX XXXX XXXX. If that's the case they sold the account with proof they did and then closed the account but its still reporting on my credit. How can that be the case. Transunion has done a horrible job investigating this matter. That letter is attached with other docs to prove this account is negligent and false. I HAVE NEVER DONE BUSINESS WITH XXXX. WE ARE LIFETIME CUSTOMERS OF XXXX BETTER KNOW NOW AS 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 2018-10-03
Company: JH Portfolio Debt Equities, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has a collection history on my credit report. I have never heard of the company and the account does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: States Recovery Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed a complaint with you guys - consumer finance and you received a response back from the collection agency which did not validate the debt nor provide any official and acceptable debt validation nor proof that it sent me debt validation at anytime. You, XXXX finance, closed the case so Im writing again in hopes that someone will hold the collection agency accountable and actually read what is going on before simply accepting their response and closing. 

I noticed on my credit a collection from state recovery systems account from XX/XX/XXXX. At no time in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, was I notified that this debt existed. I wrote a letter ( not certified ) and stuck in the mail box to be delivered to State recovery system. In the letter that they claim they didnt receive, I asked for them to validate the debt by providing a copy of the original contractor from the creditor, a copy of the last billing statement from the original creditor, and dates of any billing information from the original creditor. I did not receive the requested information back then, and I have not received the information now. 

We are now in XX/XX/XXXX, and I have complained to the XXXX  and you guys and as a result, States Recovery System sent me a piece of paper dated XX/XX/XXXX indicating charges of {$510.00}. This is not furnishing proof of the debt as I requested - in the form of the original billing and contract from the actual creditor. 

I asked for the original billing and contract from the original creditor - not a made up piece of paper invoice from the collection agency. 

Please have them send me all original documentation from the original creditor including, the contract, the billing statement, and all documentation regarding communication between them and me in XX/XX/XXXXto validate the debt. 

If they are unable to provide proof of notifying me in XX/XX/XXXXand proof of the original creditors documentation of contract and billing, under the fair collection law Act, please remove this collection from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020, Barclay Mastercard ( Delaware ) electronically withdrew from my checking account {$1100.00}, which is the amount I owed ( total ) at that time. On XX/XX/2020, they withdrew the amount again. This put me in a negative balance. This is reflected in my checking balances. 

Since that time, I have called many times, sent a total of 3 certified letters, contacted the Office of the President, and nothing has happened. They do not return any calls, although they say they have called. 

They insist I still owe them {$1100.00} + interest. The fact is they owe me {$1100.00} + interest since it was taken from me twice and account is now closed. 

I am more than willing to go to court over this as I have the documentation and bank statements to back up my claim. My bank is also willing to provide whatever it takes to resolve 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 2020-12-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
All 3 credit bureaus. XX/XX/XXXX Equifax and XXXX XXXX. All 3 credit bureaus have the wrong information that's been reported on my credit report. All 3 credit bureaus must comply with the wishes of the consumer so that they can probably an intelligent XXXX keep the status of the credit reports up to the current status and it should be. I haven't closed letters to showing that this dispute process is it is in a legal process and it should be abided by and completed by the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
All 3 credit bureaus. XXXX XXXX and trans union. All 3 credit bureaus have the wrong information that's been reported on my credit report. All 3 credit bureaus must comply with the wishes of the consumer so that they can probably an intelligent XXXX keep the status of the credit reports up to the current status and it should be. I haven't closed letters to showing that this dispute process is it is in a legal process and it should be abided by and completed by the credit bureaus.

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 2020-09-03
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
I have a loan with Navy Fcu. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and Navy Fcu with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2020 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER AND OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTUTY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been with Bank of America for 29 yrs. They have targeted me the last 3 yrs vying for me open up a Business Checking Account with a {$750.00} cash bonus for a balance of XXXX in new deposits and 5 qualifying electronic payments within 75 days. I tried unsuccessful at 2 branches before getting into XXXX XXXX branch in XXXX. I was told by XXXX XXXX the Small Business Consultant and XXXX XXXX that transfers between my personal checking and the new Business Checking would count towards the 5 qualifying electronic payments. I was very specific with asking both of them how I needed to meet the requirements for the bonus. For that was the only attraction for me to bring in XXXX of new money. I also would have never done the transfers for any other reason other than meet requirements, for my balance was always above XXXX. I am seeking the {$750.00} bonus that was promised and would like Bank of America to deposit into my Business Checking within 30 days. For I tried to make a appointment with XXXX to discuss, but when I arrived for the appointment she didn't have time for me, for unexplained reason! Ultimately the Branch Mgr said he would call by end of day and never did. I am deeply troubled that I wasted my time opening the account only to be mislead by 2 employees at the branch, who were confident in telling me the transfers would count towards bonus achievement.

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: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called the Experian customer support line to inquire about wrong information in my credit report. After waiting on hold for about 15 minutes, I spoke with an agent that was unable to assist me so she connected me to a dispute specialist.I can't recall his name but he had an XXXX accent. I certain there are phone records to validate. However, he was very rude and as I was having trouble understanding him due to his heavy accent. Long story short : he became frustrated and told me was going to hang up the phone in my face. I responded, that if you do that it would be very rude and I would contact his boss. He hung up the phone in my face.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I got a TJX mastercard while shopping at a department store, and I expected to receive a bill within the next month, but the bill never came. I started receiving some strange calls from a debt collection agency, but I ignored them because I thought that they were phising calls. I eventually picked up the phone one time and they threatened me that they would destroy my credit score, and put me in jail, and ... so much more.

I asked them what that was all about and they told me that I had not paid my credit card with TJX. I called the customer service on the back of the card to verify their story, and indeed they had sent the account to a collection agency. I told them that I never received a bill, and after several attempts and talking to several managers, they told me that they would remove the late fees, and they sent me a new bill.

I paid the credit card balance for my TJX Rewards Platinum Mastercard through my credit union back on XX/XX/2018, but I kept receiving calls from a debt collection agency with threatening messages, and tone. I called TJX to ask them what this was all about, and they told me that they had never received my payment. I told them that I would check with my credit union and get back to them. I contacted my credit union and they provided me with a copy of the check that they sent to TJX on XX/XX/XXXX, and their records show that the check Cleared ( on XX/XX/2018 ) I called the company back and gave them this information, but they kept telling me that " there is nothing that they can do till they receive my payment ''. I spoke to a manager at some point who gave me a fax number where I could fax they proof of payment from my financial institution ( fax # XXXX ). I faxed the information, and two days later I called to find out if they had received my fax, but they had not. I faxed it again, but then I received another one of those threatening phone calls. I called back to them and asked them when will these call stop? and when is my credit score be restored? ( plus remove the fine that they had added on top of the amount that they still display on my account ). They told me that the account might take two to three cycles to clear if and when they receive my fax with the proof of payment. At this point I don't know what else to do to verify that they have received my proof of payment, to stop the harassing phone calls, and to clear my credit history.

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 2018-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Worked with both XXXX XXXX XXXX ( XXXX ) and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( XXXX, XXXX, and Transunion ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX XXXX XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several inquiries that need to be removed. fraud never authorize. Please delete at once. 

XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX # 1 Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX # 18 Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Bank ( 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 2018-10-03
Company: Byrider Franchising, LLC
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/XXXX at XXXX called work when i asked them not to XX/XX/XXXX around XXXX, XXXX  called my work when i asked them not to XX/XX/XXXX- called my human resources department to confirm i worked there XX/XX/XXXX- at XXXX called me again at work when & asked them not when when I have already told them not to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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:
This communication is in reference to the incorrect personal information reporting on my Experian account. As a result of the reported identity theft several incorrect names have been reported and accounts. Ive included this information in the attached documents and I would like you to removed the incorrect names and variations listed.

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