BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-16
Company: Niagara Capital Recovery LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Niagara capital recovery call this morning refused to identify the nature of call or address of company tell intimate information was given stated that I was not given out my social to them and was immediately told he couldn't disclose information with out verification of who I was. That he only need the last four. So I  gave him it to figure out what the calls were all about he then told me I was being sued and needed to contact the local police station that the carrier will be at my home address or place of business within 48 Hr s I then asked him to verify him and also stated that I was also recording the phone call he then begin  to get hostile and said I don't need to verify myself I told you I'm XXXX XXXX with Niagara capital recovery and that he had all of my information that if he wanted he could get alot more money then  {$150.00} I asked him if that was a threat he laugh I then told him I didn't trust him or his company and that there is so many scammers and scams going on he then said I'm try to help you all we need is a payment arrangement linked to your bank account I said no then he proceeded to scream at me and I hung up.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-27
Company: I.C. System, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute with the three major credit bureau 's and the investigation took well over 30 days.

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 2018-09-22
Company: EQUIFAX, INC.
State: MA
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:
Hello, and I'm not sure exactly what happened, but I was checking my credit report and noticed several hard inquires or hard pulls posted my credit as shown below. These were supposed to be soft pulls but rather they did hard pulls and it's hurting my credit so much. I called them individually to see what's going on and they said that they are not 100 % sure, and that they only due soft pulls on clients credit. They advice that I need to reach out to the credit bureaus to get those fixed as it can be their internal errors. I'm constantly analyzing my credit so situation like this doesn't happen, but I keep get runaround for months trying to fix it. 

Hard Inquiries information : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Prosper Marketplace, 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 have submitted a multiple police reports, and have fraud alert placed on my XXXX credit file file for 24+months about potential fraud and identity theft for this account. I have disputed the account and provided materials requested since XX/XX/2020 and every month following until present day. The creditor has failed to change the information on my credit file despite being given proof of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from 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 2018-02-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have a job and the only way Experian will allow account cancellation is via phone - each time I cal they say a 2 hour wait and before I am connected the line goes dead - there is no way to cancel!!!!!!

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 2021-07-05
Company: CORELOGIC 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:
My Credit was ran with this company without my 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 2020-09-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I transferred XXXX USD = XXXX EUR from my USA account to my XXXX account on XX/XX/2020 with moneygram.com They have already charged my USA account and promised to deliver within 10 calander days. Today on XX/XX/2020 the the amount has not been delivered to my XXXX account. Today I call moneygram.com customer service. talked with different departments. The did not give me different reasons. 
one agent telling that they have technical issuues. 
other agent telling that they put my transaction on hold. 
a third agent telling my transaction is under investigation. 
they refused to return the money and told I have to file a written request for refund and it will take upto 90 days after receipt of refund request and the refund process will has charges. but they can not to tell me when they will be able to deliver the amount to destination account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX XXXX XXXX listed on my Equifax, XXXX and XXXX XXXX credit report is a fraudulent and unauthorized account, and dont belong to me. I never applied for an auto loan account with XXXX XXXX XXXX. The account is fraudulent and a result of identity theft. I been receiving harassing phone calls at XXXX XXXX and after XXXX XXXX at work and at home from representatives from XXXX XXXX XXXX for a debt thats fraudulent, the result of identity theft, and that dont belong to me. Representatives from XXXX XXXX XXXX has threatened me with death threats, legal action and prison. XXXX XXXX XXXX is in violation of federal law, The Fair Debt Collection Practices Act ( FDCPA ). Its been a frightening and terrifying experience, the way XXXX XXXX XXXX representatives has been calling my phone harassing me non-stop and on a consistent basis. Im in fear of my life. I have contacted the local media, law enforcement, and my U.S. Senator XXXX XXXX in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I went to the TransUnion website to get a free annual credit report. I have subsequently learned that this is only available at XXXX. The entire time I was at the TransUnion website I thought I was getting a free credit report. At no point did I see that I was signing up for a service that involved a {$19.00} per month recurring fee. They did ask me for credit card information but this was requested in order for them to make sure that I was the subject of the credit report I was requesting, as a form of authentication. I was aware that the credit reporting agencies have been fined time and time again for signing consumers up for services without the consumer knowing it. Even knowing this, and watching out for it, I somehow managed to sign up for a service on their website and not know it for 6 days, until I saw the charge on my credit card statement. I called them to cancel the service, which they claim to have done, but they did not refund the initial charge. At trhe very least this is a deceptive business practice. At worst is is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I wired XXXX of my business account to my family, my bank to XXXX XXXX instead and I told them about it .its been XXXX and I havent gotten my refunds back. Im out of business as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving calls from Afni for years now about equipment that has been returned. I have disputed this on my credit reports and it keeps coming back. The last time I spoke to a representative she could not tell me any information about the debt just wanted my credit card information. They call 5 to 10 times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
i try to purchase a home and i have some negative item wanted to remove

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 2021-11-30
Company: Synovus Bank
State: SC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I'VE DISPUTED THIS FRAUDULENT ACCOUNT NUMEROUS OF TIMES AND NOTHING HAS BEEN DONE. I'VE SUBMITTED MY POLICE REPORT, AND FTC REPORT LIKE INSTRUCTED AND STILL THE FRAUDULENT ACCOUNT IS STILL ON MY CREDIT REPORT. I'VE REACHED OUT TO THE COMPANY IN REGARDS TO THIS MATTER AND WAS INSTRUCTED TO CONTACT THE CREDIT BUREAUS. I'VE BEEN GOING BACK AND FORTH FOR OVER A TWO MONTHS WITH NO RESOLUTION. I NEED THIS ITEM REMOVED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: ACCESS GROUP INC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received letter dated XX/XX/XXXX, related to student loan debt from XXXX, XXXX XXXX XXXX XXXX, XXXX. Within 30 days, or on XX/XX/XXXX. I wrote to them to let them know that I disputed the loan was past due. To date, I have not heard from them. The same date, XX/XX/XXXX, the loan was reported to XXXX  credit bureau as a collection account. 

I made several attempts and provided documentation to XXXX to get the collection status removed as I had it removed in the past with previous debt collectors. XXXX representative ( XXXX XXXX, on XX/XX/XXXX ) stated that they could not provide me with information on how the debt was verified and that my option to contact Customer Financial Protection Bureau. 

I would greatly appreciate your assistance in resolving this issue. I was paying the loan as agreed and fell behind because of my ongoing divorce matter. The payment sent was returned to me while I have another student loan that is current in payment with the same lender, Access Group. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
It was recent brought to my attention that there were hard credit inquires from XXXX XXXX XXXX ( Transunion ) on my credit reports dated XXXX/XXXX/XXXX. These were done without my authorization or consent. I have no knowledge of this and would like for them to immediately remove it.

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 2021-07-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian will not correct information for my XXXX XXXX accounts although the company has written a letter stating the changes are to be made.

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 2021-07-05
Company: Bread Financial Holdings, Inc.
State: CT
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:
I have a Credit Card VS backed by Comenity Online bank. This card had 1 late payment 3years ago. I need them to remove the negative mark and stop sabotaging my score. I have written to them and they feel it's fair to keep this on my report. What can I do about this. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Halsted Financial Services, LLC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is my third complaint against Halsted Financial Services , LLC . They keep calling me despite my request almost a month ago to stop. I filed complaints which were responded to by XXXX XXXX of Halsted Financial Services , LLC . I spoke with him personally and he assured me the calls would stop. The next day I received 1 call, and today, 5 days later I've received 4 calls within a few hours originating from  XXXX caller IDs. It is my hope CFPB is able to take further actions against Halsted Financial Services, LLC for what I now consider gross disregard of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: LEXISNEXIS
State: NY
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:
LexisNexis is violating my rights as a consumer with regard to a Bankruptcy they are reporting on my consumer credit report and selling said information to the three credit bureaus. I am NOT a victim of fraud and DEMAND a reinvestigation of this dispute. They are in serious violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Associates Account : ending in XXXX for {$480.00}. In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I am not liable for this debt with Portfolio Recovery Associates and do not have a contract with Portfolio Recovery Associates They did not provide me with the original contract/application as I requested. This company has affected my lively hood with this derogatory reporting and has caused a hardship on my personal and professional life. I have submitted several disputes and Portfolio Recovery Associates continues to report negative information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 and on XX/XX/2020 disputes were filed with Equifax regarding mistaken identity ( name ), and incorrect linkage to accounts. Some of the accounts not in good standing. 

I was able to contact both of the suspect lenders and they confirmed that I am not the individual they had reported to the credit agency. The lenders confirmed that the SSN and name are not a match. From one lender I have a letter indicating that I have no current or prior obligations with them. 

Several days later I received information from Equifax indicating my disputes were closed however they failed to perform a systemic review of the credit report leaving inaccuracies behind. Now they ask that I go back and generate new disputes. 

The Equifax system when login indicates that I have to call back as additional information is needed. I tried calling for days and was only able to speak with someone only on XXXX XXXX with no success regarding how to address the root cause. 

Because this mistaken identity has not appeared on the other credit reporting agencies and given the confirmation by one of the lenders I have reasons to believe that this is an internal issue of Equifax. 
This is causing tremendous stress and waste of time on my end and I am asking for investigation. 

The Equifax dispute numbers are : XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
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: Investigation took more than 30 days

Complaint:
In XX/XX/2018 I called the Mortgage company to help with the setup of my online account profile and to establish the automatic payment on my account. I later found out in XXXX that the autopayment that was supposed to be setup by the mortgage company failed. As a result, a mortgage payment was missed. I was not informed that the autopayment did not process and was only notified by the mortgage company after the payment was 30 days late and they proceeded to start collections. After receipt of a letter from the mortgage company of the nonpayment, I immediately brought the loan current and asked the company to review the customer service calls that I placed to establish the autopayment, but they did not and I further asked that after review that they remove the negative remark from my credit report - due to the fact that the mortgage company employee that setup the autopayment failed to successfully setup the autopayment on my account. I have acted in good faith to try to resolve this with the company, but an unable to seek a resolution of for the company to acknowledge the customer service phone call that was made to establish the autopayment. As a result of the refusal to review the call logs my credit has been negatively affected and I am unable to obtain credit.

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 2020-09-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have contacted them multiple errors on my reports and I continue to get something stating it has been verified as accurate.

As you can see I have come to you multiple times and I get ignored.

As

per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, I am now seeking compensation. I have now gotten the XXXX involved and Attorney General and will proceed to sue them if they don't act promptly.

False accused me and have defamed me.

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