BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-12
Company: Early Warning Services, LLC
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:
Early Warning Services never sends me my consumer report, even after asking for it by phone and email which is my Legal Consumer Right under the Fair Credit Reporting Act. Early Warning also has fraudulent information contained on my consumer file. There is a XXXX XXXX AKA XXXX XXXX AKA XXXX bank checking, savings and money market account that is listed on the report all of which are fraud, I have never done any business with this company and it has already been reported to the company. Additionally they have 2 accounts from XXXX listed which are also fraud, again I have not done any business with this company. These accounts are fraudulent and I want these blocked. There is also two XXXX XXXX Accounts a Checking and A Savings. Which I did not open nor authorize to be opened, I have never lived at the addresses they have listed for these fraudulent accounts. They are opened by an identity thief who stole my identity. I am attaching my identity theft affidavit below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.

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 2020-12-04
Company: Experian Information Solutions 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 I sent a letter regarding inaccurate and unknown things on my consumer report. To this day over 30 days later I have not received a response yet. I feel as if I am taking advantage of and being ignored by my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my consumer report, it has been well over 30 days so I demand them to be deleted promptly.

FCRA 15 USC 1681 governs my consumer report. 15 USC 1681a. ( 2 ) acknowledges as a consumer, my reports are my reputation. Since bad debt has been furnished to each of my consumer reporting agencies, my reputation has in fact been ruined. 
The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached. 
I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights won't be violated again due to the lack of consent. 
Please show good faith in this matter by expediting the deletion of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft. My information was also impacted y te XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, 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 status incorrect

Complaint:
Equifax ; XXXX and XXXX should not be reporting that I am ( 120-150 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, as well as a copy of my Drivers License and SSN card for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: ERC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i check my credit report and seen a negative debt from enhance recovery company on XX/XX/2020 and sent them a dispute concerning the complaint below asking them to validate the alleged debt and waiting on their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Chase is helping its clients with COVID 9 impacts, by providing an electronic method of deferring payments due to COVID-19. 

My account is closed, closed by Chase, even though no payments were missed. 

My wife lost her income due to the Pandemic. Chase is stalling assisting me, telling me to click the online link, they did this two times. 

When I told them they closed my account, and the system is not setup to handle this scenario, they then finally told me to call. I tried on four ( 4 ) separate times to contact them, but unable to get through. 

I requested to be escalated to Office of the President, and they refuse to contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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:
These inquiries were not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: SLM CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to my credit report on XXXX, based on my XXXX credit report, I opened an account on XX/XX/2018 with this creditor. I am quite certain I did NOT open an account. Aside from that, this creditor known as SALLIE MAE has placed my account in collections. Their action has negatively affected my credit report/score with Derogatory Marks. They are stating that my account has been sent to collections, however, I was never notified about this account and never received a bill. I'd like to address this IMMEDIATELY and get this negative remark removed from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions o
f crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-08-20
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a collection on my credit report from a Southwest Recovery Service, that lists the original creditor as the same name with a date of XX/XX/17. I have absolutely no clue what this is for. I have never taken out any account with this business and never received any bills or notices that I had a debt with this company. I do not think this debt belongs to me and if it does I believe it has been illegally re-aged and placed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a XXXX dollar payment on XX/XX/2020 and a XXXX dollar payment on XX/XX/2020 to my Capital One Credit Card to allow for more spending on my limit for a planned trip. The Payments was made from a Capital One Checking Account and was withdrawn on the same day as the added documents will show. I called the customer service number and even spoke to the supervisor and they said it does not matter if they have received the funds or not there is a 8 day hold on my payment. So they took the money from my Checking Account that same day and credit my Credit Card account with the same funds and they have an 8 day hold to make sure the withdraw is cleared? I pointed out it was already cleared according to the Capital One online account dashboard and transaction listing. He said he can not over ride it. So where is my money? What are they doing with my funds if I can not have access to the funds? Where is the interest on my checking account for those eight days if they are holding my funds. Capital One is unlike any other bank I have worked with where they put a hold on funds they have already received and deny the customer access to those funds even thou their own system shows it has cleared. I have a {$500.00} dollar credit limit or supposed to. As noted in the provided documents you will see I have a balance on my card of {$270.00} and yet my limit is still XXXX dollars that shows indeed they received the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Ive notified CHFA several times that until we are two income household again mortgage will be one month behind. However they call and attempt to collect every day causing me distress and harassing me early in the morning during my work hours and now late at night. I fear retaliation of going into foreclosure because Ive expressed they are harassing me. We are paying mortgage and not even a month behind currently yet they call me everyday causing anxiety and distress. Ive given a date of when payment can be made but I was told it doesnt matter and they will still call. Dont know what to do other than ignore them until I can pay as they are not working with us to support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
XX/XX/2021 Complaint and request : for assistance to reconcile an incorrect matter with Citibank NA Requesting specific statements in writing Hello, I am requesting assistance to have an old matter with Citibank resolved. Please note Citibank does not have current information and is ruining my credit worthiness due to improper recordkeeping. 

Please note, I am submitting a second and different complaint with reference to CITI NA. On XX/XX/XXXX I submitted an original complaint and they responded with a letter. The letter is not thorough and does not include the information I requested to reflect the accounting and my credit worthiness accurately. I have included a copy of the letter they sent me on XX/XX/2021 

This letter states that they will remove the Citibank account card number XXXX from all three credit bureaus including XXXX XXXX XXXX and XXXX 

This letter does not address the fact that I asked for the inquiry from Citibank that is on my credit on XX/XX/2021 to be removed from my credit report. I was denied credit by CITI because of back errored accounting. Theyre ruining my credit and I want this credit inquiry off of my credit. Another credit card I hold with another bank lowered my credit limit due to this inquiry. 

I am here by requesting that Citibank sends me in writing : 1. Stating that they will be removing the credit inquiry fromXX/XX/2021 from all three bureaus on my credit report. 

2. Stating that the account number XXXX, is closed, paid as agreed, in full, with a zero balance. 

I have paid this account off over two years ago and I have been harassed by CITI NA and collection agencies, for money owed, and I have repeatedly disputed it and requested in writing confirmation and validation of when and how much I owe money for because I have bank statements showing all of my payments coming out. I have not received verification of what I requested. I have received documentation from collection agencies and from CITI NA that do not reference or verify or prove that I owe money. Im requesting this is completely removed from my credit history. 

Thank you for your time, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
TRANSUNION NO XXXX XXXX XXXX XXXX  INQURIES STILL POSTED TO MY ACCOUNT. NEED XXXX XXXX  INQURIES REMOVED IMMEDIATELY AND A XXXX XXXX POSTED OF XXXX AND BETTER I ALREADY SUBMITTED IDENTITY THEFT 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 2022-01-06
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
On XX/XX/XXXX, I filed a complaint with CFPB about Portfolio Recovering Associates ( PRA ) reporting three unknown accounts with credit reporting agancies. They responded revealing the original credor names and inaccurate dates of when those accounts were closed and charged of to them. 

I would like PRA to correct the records to match the original credtors, whom I contacted, with all credit bureau reporting agencies as follows : XXXX ( XXXX XXXX, account # XXXX ) PRA ( account # XXXX ) opened XX/XX/XXXX CLOSED XX/XX/XXXX PURCHASED BY PRA ON XX/XX/XXXX XXXX XXXX XXXX ( account # XXXX ) PRA ( account # XXXX ) opened XX/XX/XXXX CLOSED XX/XX/XXXX PURCHASED BY PRA ON XX/XX/XXXX XXXX XXXX XXXX ( account # XXXX ) PRA ( account # XXXX ) opened XX/XX/XXXX CLOSED XX/XX/XXXX PURCHASED BY PRA ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
I pulled my credit report in XX/XX/XXXX for TransUnion and noticed a hard inquiry that I did not authorize. The hard inquiry was from XXXX XXXX XXXX and happened on XX/XX/XXXX. I contacted TransUnion on XX/XX/XXXX to report the fraudulent activity and dispute the inquiry, I also placed a credit freeze on my file. I was told by TransUnion that I had to send a letter to them with my name, social, address, phone number, and item I am disputing that I couldnt just dispute it over the phone. So I mailed the documentation they asked for. All I received back is a letter dated XX/XX/XXXX explaining to me what a hard inquiry is, they have still not removed it. 

The same day I contacted TransUnion XX/XX/XXXX, I contacted XXXX XXXX XXXX. I reported the the application that was placed with my information as fraudulent and asked them to contact TransUnion to help me get the hard inquiry removed from my credit report. I received a letter dated XX/XX/XXXX stating they marked the account as fraudulent and that they submitted for the credit inquiry to be removed. 

I have done my part, XXXX XXXX  XXXX has done theirs. Once again trying to work with TransUnion has been nothing but complicated and they are not doing their part in removing the fraudulent activity from my credit report. TransUnion continues to be the most difficult credit bureaus to work with of the 3.

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 2020-12-04
Company: EQUIFAX, INC.
State: WA
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:
on XX/XX/20 I sent Equifax a 609 letter to verify some accounts and hard inquiries on my credit report. After 30 days and no reply I sent a demand or comply letter to remove the items on XXXX/XXXX/20. Equifax is still reporting these accounts on my credit report. even after 30 days and no verification or reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Dividend Finance Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
We obtained a loan from Dividend Financial to cover the cost of installation of a solar system. This company was recommended by the solar company, XXXX XXXX XXXX, XXXX XXXX. The finance company would accept the 26 % rebate from taxes as the down payment for the system and thus keep the monthly payment at a more reasonable rate. They started collecting this payment prior to the complete installation of the system. Additionally, XXXX installed a system that did not meet the expected outcomes. We were told that the system would decrease our utility ( electric ) bill to {$20.00} to {$30.00} per month and that it would definitely be less than {$50.00} per month. This has not come to fruition, as the electric bill has remained essentially the same. I believe that Dividend XXXX knew this was an issue and did not take any steps to protect the consumer. Additionally, I believe that XXXX knew that there were defaults in the system and continued to sell a system that would not live up to expectations. The result is a loan that I must continue to pay and a utility bill that I would have paid anyway. Ultimately, these XXXX payments result in a 300 % increase in my electric bill. The expressed payoff of the decrease in electric bill to offset the cost of the loan has not materialized. I am seeking some relief from the loan or the terms of the loan to offset the lack of realized decrease in electrical energy billing. 

XXXX has subsequently filed for XXXX XXXX XXXX, leaving us without any company to monitor our system, perform any warranty work, and without legal recourse to seek payment of damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax ; XXXX and XXXX should not be reporting a collection in the amount of {$2100.00} on the XXXX XXXX original creditor XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account needs to report a {$0.00} balance. I settled this account and have attached documentation showing the account has been settled and there is no outstanding balance due and therefore nothing to collect. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation