BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-10
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm in the process of cleaning up my credit and I came across this account. I'm not recalling having this account. As per the fair credit reporting act can I please be sent proper validation, copy of original contracts with signature, breakdown of charges and amounts owed.

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: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed several accounts from my credit report with XX/XX/XXXX Experian, and XX/XX/XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

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 2022-03-05
Company: Unifin Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a letter from a debt collection agency Unifin Inc . 
This letter states that they are attempting to collect a debt from the year XXXX on behalf of an original creditor known as XXXX XXXX XXXX XXXX. However, due inaccurate information because I was a victim of identity fraud the debt from the original creditor was removed from my credit report in XXXX ; in which I have documentation to show proof. I would like for the debt collection agency to cease and desist for which this debt is not valid and has already been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
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: Was not notified of investigation status or results

Complaint:
I have disputed several accounts from my credit report withXX/XX/XXXX, XX/XX/XXXX, and Transunion. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

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 2020-11-18
Company: EQUIFAX, INC.
State: UT
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 been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: National Credit Adjusters, LLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got a payday loan from XXXX XXXX in XXXX XXXX in XX/XX/XXXX. I unfortunately never paid anything towards it. Every year the debt is reported as new or just opened on my credit report as it now shows it was opened in XX/XX/XXXX which is utterly false. I havent been in a XXXX XXXX XXXX in years. The collection agency, NCA, keeps on renewing this debt so it wont fall off of my credit. They are unwilling to correct this problem and are difficult to work with. Isnt reporting false information to credit bureaus illegal? A XXXX  representative suggested I file a complaint. Please stop NCA from their corrupt practices and from harming my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Consumer Portfolio Services, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I filed Bankupty back in XX/XX/XXXX. Cancelled the Bankupty in  XX/XX/XXXX. My car was included in the Bankupty. After the Bankupty was cancelled my car note company XXXX XXXX XXXX said I was behind on my payments. {$1200.00} dollars and they wanted it then. Well I paid it up in the next several months. Next I notices that even thought I was paying them, they were still report negative information to the credit XXXX. Furthermore I have being asking for monthly statements showing the payments I have made and when my next payment was due ; but time after time I have asked and no statements are being sent to me ; asking since XX/XX/XXXX. This account shows on my credit report as a charge off. This suppose to be why they cant send me statement, but I am suppose to keep paying them every month without a statement to remind me and the dollar amount thats due. I am a senior citizen with XXXX. This is very stressful! Theyre already charging me to much for this car

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, 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:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent several letters asking them how they verified a bankruptcy and always come back as verified accurate, I call the local US bankruptcy court and they have emphatically stated that NO ONE for any of these Bureaus, XXXX, TRANSUNIOON or XXXX  have called once to verify the information. They are using a third party data base as i am thinking to gather or verify this type of inaccurate information.

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 2020-05-24
Company: Experian Information Solutions Inc.
State: VA
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:
Child Support is unconstitutional being report in your 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 2020-10-15
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase closed my account because I work in Arizona and live in South Carolina. I went 2 hours to a Chase branch in XXXX GA and submitted the requested paperwork that have the deposit amounts and dates. 

I reached out to Chase and they said that they have reviewed the information. And that my funds would be released and sent to me in a check on XX/XX/XXXX and would be there 3-5 days. its XX/XX/XXXXand still no funds. I dont have access to any funds in the account. 

The executive office person who was handling the previous case, even said that in the letter that was sent that the funds should be released. I called Chase on XX/XX/XXXX and ALL of the reps that I spoke with talking about they dont see a request for those funds to be released. The person from the educative office only called me ONE TIME and on that call he was rude and only said we will have a resolution by mail but here we are XX/XX/XXXX and I dont have a resolution so either somebody is lying or Chase is fraud. I called the educative office 4 times and every time the person who is handling the case is 1. on another line 2. stepped out for a moment 3. on lunch 4. not even in the system those were all the excuses I got from the other executive office people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: CBC Companies, Inc.
State: IL
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:
As I have stated in previous complaints, these credit bureaus CONTINUE to merge my daughter and I. We have disputed our personal information with them OVER AND OVER again. Sometimes it will get removed and deleted but it gets added RIGHT BACK! BOTH OF OUR NAMES CONTINUE TO BE MISSPELLED! WE HAVE DIFFERENT LAST NAMES! SHE HAS A MIDDLE INITIAL AND I DO NOT! OUR DATE OF BIRTH 'S ARE DIFFERENT! OUR SOCIAL SECURITY NUMBERS ARE DIFFERENT! WHEN WE CALL IN TO REQUEST COPIES OF OUR CREDIT PROFILES AND CREDIT REPORTS TO BE MAILED TO US, WE ARE REFUSED! WE ARE BEING ASKED QUESTIONS FOR THE OTHER PERSON! OUR REPORTS HAVE ALSO BEEN MERGED WITH A THIRD AND FOURTH PERSON WHO WE MAY OR MAY NOT KNOW PERSONALLY BUT BECUASE THE SPELLINGS ARE SIMILAR OR BECAUSE WE HAVE SOMETHING IN COMMON WITH THE PERSON, THEIR INFORMATION IS ALSO BEING ADDED TO OUR REPORTS! I HAVE INCLUDED MY DAUGHTER ON THIS COMPLAINT! MAIL HER A COPY OF HER MOST RECENT CREDIT REPORT AND MAIL ME A COPY OF MINE! WE HAVE BOTH CALED AND REQUESTED OUR REPORTS OVER THE PHONE AND HAVE NOT RECEIVED THEM! WE HAVE BOTH REQUESTED OUR REPORTS ONLINE AND HAVE NOT RECEIVED THEM. THIS COMPANY REQUIRES A PHONE NUMBER ON THE ONLINE REQUEST! WE DO NOT HAVE A PHONE NUMBER TO LIST! WE ARE NOT ALLOWED COPIES OF OUR REPORTS VIA ONLINE OR BY PHONE! THEN MAIL US BOTH A NEW COPY OF OUR REPORTS EFFECTIVE IMMEDIATLY! WE HAVE ALSO BOTH REQUESTED SECURITY FREEZES AND NEED OUR PIN NUMBERS MAILED TO US! WE DO NOT KNOW THEM BY HARD! PLEASE MAIL US BOTH A FULL, COMPLETED, PRINTED COPY OF OUR CREDIT REPORTS TODAY! WE ALSO NEED A COPY OF OUR CREDIT SCORES WITH THIS AGENCY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: MS
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:
The problem is. XXXX, XXXX  and Equifax are report inaccurate information on my credit report, which is affecting my ability to get approved a home. I have tried to fix this issue and have wrote them several times alerting this of the inaccurate and the violations that they are making to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was in the process of purchasing a home and needed to remove a credit freeze for the loan application process. I was unable to remove Experian credit freeze using online and phone automated system. Experian does not provide a phone number to speak with a representative. All phone numbers lead to automated system that would not resolve my problem.

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 2020-05-24
Company: Experian Information Solutions Inc.
State: AL
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:
No response from request 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 explanation
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name XXXX or used my personal information ) in order to take out credit without my knowledge, consent and permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent my son {$40.00} through Money gram at this time my son is located in XXXX XXXX CA and I am in XXXX XXXX. My son 's ID was stolen so we provided with another person 's name that was provided. This person was not able to retrieve the money after trying 3 times through money gram. I called to speak with money gram to solve this situation and they are refusing to cancel the transaction due to needing the receiver 's ID which we can not retrieve. I am the sender and have proof of sending and they will not provide a refund to me although it is my money. Due to the receipt it explains the process of refund and by section 2102 of The California 's Financial code it states if I am not provided with refund, I am entitled to my money back plus a penalty of up to XXXX and attorney fees pursuant to this section. I rather not pursue to that extent, I just would like my refund of XXXX since the receiver is not able to access the funds through money gram.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: FC HoldCo LLC
State: GA
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:
I contacted the company on XX/XX/2020 and sfvised them that all three credit agencies XXXX, XXXX XXXX and XXXX  were all reflecting this as an open loan that was paid off in XXXX - XX/XX/2020 and they should update their file. However, they refused and told me to do so.

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 2020-11-18
Company: EQUIFAX, INC.
State: MS
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:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account.

Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: ERC
State: PA
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:
Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. Enhance Recovery Services hired a third-party collection of XXXX XXXX to report items on the credit profile. Requesting Identification and signature If practices failed prior, my credit shouldn't be compromised as a consumer. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I started receiving Unemployment from Pennsylvania and they issued me a reliacard. I recently moved with my grandmother to Texas and changed the address for my card to be sent. Due to changing my address a lock was placed on my account and my card was made inactive until I verified my identity by sending in my ID my grandmothers ID and a later stating I live with her. I faxed the documents on the XXXX and the XXXX and was told both times the documents were to dark. I faxed them again on the XXXX and they were cleared and re I ever on the XXXX. I was told to wait five buisness days for them to unlock my card and it would be ready to use. It has been over five days and my card is still picked and every time I have called to speak to a representative or supervisor they have just given me the run around and made excuse after excuse. My bills are now past due almost two months and they cant give me a date when it will be unlocked or what further steps if any need to be taken. I have over XXXX dollars that Im not able to access and its very frustrating. Attached below are the two ids I sent I also sent a letter stating I have permission accept mail at my grandmothers house. These are the documents they told me to send in and that they received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Northland Group Inc
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company sent me a collection letter mid XXXX XXXX, 2017 and when I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the reference number furnished on the letter. She was unable to speak with me as the information didnt match. The call somehow disconnected and I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have no knowledge of this account. I 'm asking for proof of validation obtaining my signature that I owe Northland Group not whomever this debt was purchased from. I have had fraud alerts, etc yet somehow account after account keep being opened in my name but with the wrong social. validate this account or stop collection and consumer reporting.

Company response to consumer: Closed with explanation