BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-26
Company: STERLING JEWELERS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My boyfriend received a call from XXXX XXXX at XXXX XXXX XXXX on XX/XX/2020 about a debt that I owe. He was asked if he was my husband to which he replied no. XXXX then discussed my debt, the amounts owed, as well as offered a settlement option to him. 
XXXX also told him that a judgement was about to be filed against me for the amount owed. 
I have not had any contact with this debt collection agency, no letters phone calls etc, and it is unlawful to talk to other people about a personal matter. 
This is a clear violation of the FDCPA.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal request to all 3 credit bureaus ( XXXX, TransUnion and XXXX ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. 
I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been XXXX months now and I have not received any responses from XXXX  and TransUnion to my requests. I did receive a response from XXXX but not all of my issues were fixed.

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 2021-02-26
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2016 my account shows that it was 60 days past due. This is very inaccurate and I have contacted XXXX XXXX about this late payment and I was told to call the credit bear. I filed a dispute with Equifax and the inaccurate report is still being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft this account does not belong to me this is ruining my life.

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 2020-07-07
Company: I.C. System, Inc.
State: NJ
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 Filed Paperwork for these accounts before and the companies have re reported the false info again. these accounts were due to identity theft.

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 2021-02-26
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I looked up my credit report and saw a collection from Midland Funding, LLC. I wrote them and asked them to send information verifying the debt. They have not sent this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have submitted 4 disputes trying to get information from XXXX XXXX XXXX off the credit report. I have most recently ( XX/XX/XXXX ) provided a letter from the company. This has NOT been removed. Each company has been pointing to the other company as for who is responsible for this not being removed. I have spoken with managers including XXXX with Equifax and XXXX from XXXX XXXX XXXX. XXXX stated they ( XXXX ) need to electronically delete the information from their side and XXXX stated they have requested a manual deletion since XX/XX/XXXX and have no control over if Equifax actually deletes it or what timeline they move. Even after submitting the letter XXXX from Equifax stated that the letter meant nothing if XXXX  did n't accept the letter as proof and voluntarily delete it. I believe XXXX  has done what they can do because its been deleted from my XXXX report and Equifax is the only one not deleted. However even after submitting a letter from XXXX to XXXX attached to the dispute onXX/XX/XXXX it was NOT updated. As of XX/XX/XXXX it is still reflecting that the account is paid with a {$0.00} balance. I have a mortgage loan hanging in the balance and neither company seems to care that time is of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Perfection Collection
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX the XXXX  account was taken over by another party. In XX/XX/XXXX I received a bill with a past due balance. I contacted XXXX  whom then stated it was an error on there system and that I was not responsible for the balanace due to it belonging to the party that took over the account. XX/XX/XXXX I had a collections placed on my credit report for XXXX. I contacted XXXX  first they told me the account wasnt properly taken over. Then when proved it was due to other persons name on account, I was told I didnt cancel my name from account. Again proved wrong due to account being taken over, I was told that the person didnt properly take the account over. I stated that the Individual has been paying thats not true, then I was told o well the account was written off XX/XX/XXXX so they didnt take over properly but there is nothing we can do because its already been sold to collection agency. I asked for supervisor and was refused to be allowed to speak with supervisors. Its a lie because the person that took over the account had been paying and once she canceled her account, then XXXX  placed it in collections a month after under my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: AmeriHome Mortgage Company, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It is impossible to get a human on the phone with AmeriHome Mortgage Loan Servicing department. There is no feature to go straight to a human one has to wade through multiple voice menus, then when one finally gets an option to get human help, a recorded message tells you how busy and understaffed they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: OH
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: CO
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:
XXXX XXXXXXXX XXXX posted my information in a report without writing and asking me for consent. According to the Credit Bureau I have the right to privacy. According to the privacy laws regarding posting information without asking for consent. 


XXXX XXXX Social Security XXXX XXXX XX/XX/1992 I am XXXX and my birth certificate is from XXXX XXXX XXXX XXXX Social office will state from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: MN
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:
In XX/XX/2016 my account shows that it was past due. This is very inaccurate and I have contacted XXXX XXXX Bank about this late payment and I was told to call the credit bureau. I filed a dispute with the credit bureau and the inaccurate report is still being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the company commonwealth financial have went ahead and enter on credit file two amounts that is not mine from XXXX XXXX for ammount XXXX AND XXXX for date XXXX, I have not gone to this hospital at all for any treatment or visit, so this debt is for someone else and need to de deleted asap, the tel # XXXX address : XXXX XXXX XXXX, XXXX, pa. XXXX. They have the wrong person credit file, need deleted from XXXX, XXXX, and XXXX. please you have help me before and I was happy with results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Experian Information Solutions Inc.
State: MN
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:
On XX/XX/2016 my account shows that it was 60 days past due. This is very inaccurate and I have contacted XXXX XXXX about this late payment and I was told to call the credit bear. I filed a dispute with XXXX  and the inaccurate report is still being reported 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 2022-08-06
Company: EQUIFAX, INC.
State: CO
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:
These companies violated my consumer rights by furnishing this information to my credit report without my knowledge or consent which is identity theft identified by 18 USC 1028A. They violated the privacy act of XXXX by sharing information such as my SSN which belongs to the SSA. And trying to collect on a debt which is an obligation of the United States as per 18 USC 8 which also makes them guilty of the False Claims Act. 
The companies Include : XXXX XXXX XXXX through XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount : {$310.00} XXXXXXXX XXXX XXXX XXXX through XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$7400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Law Office of Harris & Zide
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from a Debt collector ( Law Offices of Harris & Zide XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXXToll Free : ( XXXX ) XXXXFax : ( XXXX ) XXXXEmail : XXXX ) about a debt that is over 4 Years old and I did not remember to be Mine. 
the Statute of Limitation in California is 4 Years and this Debt is much older. They totally ignored these Facts and also did not validate the Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In the spring of XX/XX/XXXX, I got a XXXX XXXX XXXX credit card ending in XXXX. Everything seemed to be going along fine with only one blip in XX/XX/XXXX when I did not receive a stmt. This was resolved and fees and interest were credited back to me.

Then in XX/XX/XXXX there was fraud activity on the credit card. This seemed to happen when I went to XXXX XXXX, CO in XX/XX/XXXX. Evidently someone, somehow, advanced {$2000.00} to a US Bank Silver Checking account ( I don't have one of those ), and that amount was charged to my credit card ending in XXXX. I reported it immediately and was issued a new credit card ending in XXXX, and the Silver Checking acct was closed by US Bank.

I told them that I did not want another credit card, and I never activated that card. Nevertheless, I received a stmt dated XX/XX/XXXX for card ending XXXX with a credit of {$1900.00} and rec 'd another stmt closing date XX/XX/XXXX with the same credit amount. I called US Bank soon after receiving that stmt, I did not get a name or an exact date at that time as I never expected their accounting department to be so inefficient. I let them know that there should not be a credit on my account as the {$2000.00} fraud activity was not mine to be credited, and I never paid that amount to US Bank to earn a credit from them.

I thought it was over until I received a stmt closing date XX/XX/XXXX for yet another credit card # ending XXXX. This stmt also showed the same credit as did a XX/XX/XXXX and XX/XX/XXXX stmt. Then, to my surprise, I received a check for the amount of the credit. Check # XXXX, dated XX/XX/XXXX from Cardmember Service agent for US Bank Nat'l Assc. I did not cash the check and still have it.

Then closing date, XX/XX/XXXX, I receive at stmt for acct ending XXXX with a new balance of {$2000.00}. SNAP! This was the amount of the original fraud. I have called twice now and talked to XXXX, and XXXX, XXXX  and was not helped either time. Their phone tree is onerous, and the redundancy of their questions when switched from person to person is far too aggravating for words. Now, the stmt for closing date XX/XX/XXXX shows a balance due of {$2000.00} because of interest and fees. I give up getting anything done with these folks. I do not owe anything to my knowledge to US Bank. The {$2000.00} was fraud and was reported as such immediately. Every time I call and talk to someone at US Bank, I get another card, and the situation gets worse.

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 2021-02-26
Company: DISCOVER BANK
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
At XXXX XXXX today I was contacted by Person Calling : unintelligible They said that they were calling about a Discover credit card from XX/XX/XXXX-XX/XX/XXXX, that multiple collections agencies had tried to contact me over the matter and that they were going to sue me for XXXX dollars unless i paid them XXXX dollars. They threatened to have the papers served to my home TODAY. Then they read me my social security number and birthdate and asked me to confirm them. 

The DiscoverAccount number they provided me is : XXXX XXXX XXXX XXXX Frustrated and angry about being threatened so harshly I hung up on the lady ( XXXX ) and called Discover. They confirmed that this was in fact a scam and that i never had a credit account open with Discover. 

The information i have on the people that contacted me is : Issuing firm XXXX XXXX XXXX Refer to Case number MI XXXX They also harassed my husband while at work ( we were not married until XX/XX/XXXX, how did they get his info? ) and said that their Field agents would be dispatched to our residence as well as verified place of employment That if I dont call them today I would be in non compliance and this would be filed with courts under failed action to serve and evasion of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Crow Creek Sioux Tribe
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I applied for a XXXX loan in XX/XX/XXXX and can't seem to ever pay this off and, it is now XX/XX/XXXX and I still have seen no decrease in my pat back interest is at like 800 %!!

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 2021-02-26
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
As of today, XXXX XXXX, 2021, another batch of ROBO calls have been coming in to our phone. This has been going on for weeks. 

The answering machine leaves our message and the caller from ( XXXX ) XXXX hangs-up without leaving a message. 

This harassment has to stop - NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Usaa not willing to work with me regarding my auto. Was already behind on payment then out of work due to catching covid 19. Filed complaint here and spoke to usaa who started they will only work with individuals who are up to date on payments. This is very similar to usaa taking stimulus payments of their customers. Usaa is not friendly to this whom they service and need to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX account is not my account and was open as an result of identity theft FTC Report # : XXXX Experian and XXXX refuse to remove account.

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 2018-07-05
Company: CITIBANK, N.A.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I applied and received a personal loan from Citi Bank. During the online process to receive a discount on interest rate you had to sign up for automatic debits at that time. It was not an option to receive discount if signed up at later date. I called Citi on XX/XX/18 to change the due date to a few days later due to if the XXXX fell on a weekend or holiday they would take the funds out earlier. I only get paid twice a month on the XXXX and last day of month so if the funds are drawn earlier than XXXX could potentially cause account to overdraw. For the change of due date I was advised that was not possible. The only option is to take advantage of the 10 day grace period, but I would have to cancel the auto debit and would lose the interest rate deduction given for auto debits. I think it is unfair to take the funds out prior to the due date. They have a grace period on the account and should take the funds out on or after the due date not prior. 

The second issue is that I have not received an email from the company since I was approved and wanted to know how to view my loan information online. I was advised the only way to view personal loans online is to attach it to your debit card. I do not have a Citi Checking account so that is not an option. Citi Bank is segregating customers and not providing the same access to their loan information unless that person also has a checking account with them. I have credit cards with them and was advised that only can access my personal loan information online with a checking account debit card. That is unfair as I should be able to view my information online and keep track of my information. Also, by not allowing me to view my information online if prevents me from making online payments to try and pay off my loan faster to avoid some of the finance 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