BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: Kitch Acceptance Corp.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I bought a vehicle in 2021. I put just over 5000 miles on it and the transmission went out. I let the bank have the car back willingly due to this. They took me to court however committed perjury when they filed. They never sent me anything in the mail like they claimed. The only notice of court I got was a paper found in my driveway like they just threw it XXXX the ground like they were hoping I wouldn't notice it. I did inform the court of this and was told that no actions were being taken against them for the perjury or negligence. They were ordered garnishment and the only funds I have in my bank are from my XXXX on a hardship withdraw because we were trying to buy a house and that fell threw now I'm trying to come up with the rest of the funds to get a different place. The attorney they hired actually has his own office in the bank. XXXX reviews will also show several people who have dealt with fraudulent activity from this place.

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 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My name is XXXX XXXX XXXX I have several inaccurate names on my credit report please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. 609 FCRA My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies I demand to see the contract, separate agreement or proof or claim affidavit for the following : 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 Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
THE FOLLOWING COMPANIES PULLED MY CREDIT WITHOUT MY CONSENT AND BROKE THE LAW : 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 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 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 non-monetary relief
Consumer complaint received 2021-05-04
Company: American First Finance, Inc.
State: IL
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:
I purchased furniture from XXXX XXXX in XXXX, XXXX. They had me apply for financing in store with American First Finance. Where my husband and I were both approved and we placed an order. After 3 weeks of calls not being returned and an estimated time of delivery of XX/XX/2021 we opted to cancel. 

American First Finance had already begun taking weekly payments for both my account # XXXX and my husbands account # XXXX furniture turned in electronic communication to American First that the account was cancelled and no furniture was ever received. I was to be refunded in full. 

On XX/XX/2021 I called in and spoke to a XXXX who said she could see the cancellation and our funds would be put back into our account in 7-10 business days. On XX/XX/2021 I received a collection text stating my account was past due. I called in and he said it was an oversite. On XX/XX/2021 I received another collection text on both accounts asking for money to be paid. I called in and the account reflects the total balance due. It was not refunded and it is not reflecting the change in balance. 

On XX/XX/2021 I spoke with XXXX and have requested an email to show I will be refunded. She was not able to send an email. However assures the refund will be applied at some point. She put XXXX on the phone who said he is not able to send an email as such. He then stated that the refund is delayed because they have not completed the processing of my last payment on XX/XX/2021 ( which cleared my bank XXXX This call took over 40 minutes. I have no furniture, I have made payments on each account in excess of {$260.00} and show {$3000.00} in balance due for an order that was cancelled and confirmed with American First who simply isn't able to send any documentation substantiating the account is to be closed with refund due. They have no problem with texts that my account will go in collection for non payment though.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The information for name ( XXXX XXXX ) is incorrect/invalid please 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 2017-09-18
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have attempted several times to get this collection removed that is from XXXX XXXX XXXX or IC Systems IC. I have provided them with a FTC Identity Theft form and they still refused to remove this account from my credit file. This is not my account. Please help me to get this item removed from my credit file. I have the signed copy of the FTC if you need 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 2018-04-25
Company: Screening Reports 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 status incorrect

Complaint:
Rental Verifications XXXX XXXX Landlord Address Move In Rent Phone - Contact Move Out Owed XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} ( XXXX ) XXXX - XXXX XXXX, MN XXXX XX/XX/XXXX {$0.00} WOULD NOT RENT AGAIN - EVICT XXXX XXXX XXXX # XXXX XX/XX/XXXX {$1000.00} ( XXXX ) XXXX - XXXX XXXX XXXX, MN XXXX XX/XX/XXXX {$4000.00} WOULD NOT RENT AGAIN - UNAUTHORIZED PET / NOISE COMPLAINT / POLICE CALL / UNAUTHORIZED TENANT / OTHER VIOLATION / EVICT Public Records ( XXXX ) XXXX XXXX These Were Expunged through Civil Court in XXXX XX/XX/XXXX it should not show an eviction nor balance for either rental property

Company response to consumer: Untimely response
Consumer complaint received 2019-03-01
Company: Experian Information Solutions Inc.
State: TN
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 very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Chapter XXXX Bankruptcy 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 non-monetary relief
Consumer complaint received 2019-03-01
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Thanks for helping on this matter. 
I bought a phone from XXXX XXXX XXXX and I was told to returned back the phone within 2 weeks if I dont like the service. I returned this phones back in the space of XXXX because the service was bad. They took the phone back from me and offer to mail me a check for the taxes charged on the phone. They never mailed me the check and to my surprise I found out they report a total of XXXX  on my credit. Im so shock to see how bad they hurt my credit even though I didnt have the phone in my possession. Please kindly help me on this matter. I have starved to pay my credit card bills and I was sad to see XXXX XXXX XXXX trying to hurt my credit with this FALSE claims. I dont have their phone or use their service or owe this sum of XXXX   Please help me!! 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I have an account with CITI that was closed around XX/XX/2021. The card was a secured card with {$200.00} deposit that was charged to my bank account. After few months, CITI its reporting my account closed but delinquent, my account its not delinquent because i was using my own money as a deposit. I have called many times to CITI, and keep transferring my call around to other people. I can't resolve this issue with CITI.

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 2019-03-01
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
Midland Credit Management has been harassing me about a debt for awhile and will not remove it from my credit report. I have written letters to them to validate the debt. Each time they will not provide me with documents that I request. 

They have been asked to provide a document with my signature to show a contract was created for the debt but they do not and instead just send me a generic form they use which always seems to have the phrase " We are uncertain of what you are specifically disputing. '' I also indicated I have no contract with them between myself and their company. They will never respond to this either. They are trying to collect on a debt that has been in dispute. It is crystal clear what I am asking. I ask of them to provide me documents to reserve my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromise, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a plolice report will be filed as is requested by FCRA. None account holding inquiries and any address other than my current should be removed, opt me out of all pre-screening offers.

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 2021-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
How did BOA allow an account to open without signature card. Then it took several attempts to get signatures added. Now we need to change the signatures, but BOA keeps changing the rules and forms required. I have been attempting to update the signature card since XXXX .... its now XXXX and the bank has informed us yet again that the forms THEY SENT are not accurate.

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 2019-03-01
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
Hello I have a car loan with XXXX XXXX, a Credit Card with XXXX XXXX and two student loans one with XXXX and one with XXXX. 

I paid all these accounts back current around XX/XX/2019 and by now I should see my score increase and these accounts no longer showing late. After numerous calls, I can't get Equifax to budge and update these accounts which is holding me back from having a score needed to proceed with important financing. 

Both XXXX and XXXX are showing me current but Equifax refuses to update my credit report reflecting I am now current on those accounts. Equifax still shows me delinquent on all three. My score increased by 72 points with XXXX, 64 points with XXXX and my score is still low and has not changed at Equifax. This is how I know they are not updating my accounts. All creditors have advised me they have accurately updated and sent my new payment history showing current to all three credit bureaus including Equifax. I'm not sure if they are behind or what it is but I need them to update my accounts accordingly or I'm suing them for inaccurate reporting and causing me a delay in financing. Please contact them and make them do the right thing. This is very unfair! My email address is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company is continuing to apply the additional principle paid to unapplied funds instead of applying the money to principle-thereby reducing my balance. I have requested this. I want it done. I feel they are discriminating against me because I had filed for bankruptcy. ADDITIONALLY they say they notified me that they are doing this. THIS IS NOT TRUE! I RECEIVED ONE NOTICE IN ALL THE MONTHS THEY HAVE BEEN DOING THIS. ONE. I have been paying extra principal for months. I do this twice a month. This company is lying through their teeth. If nothing else show me how to apply the money on line and I'll do it myself because they are too lazy to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: ONEMAIN FINANCE CORPORATION
State: CA
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 paid off my loan in XX/XX/2017, One Main showed I had a balance of XXXX cents. I paid a {$1.00} twice ( as that was the minimum amount allowed on their site ). I then tried paying {$5.00}. Each time the XXXX cent balance remained. One main reported me late in XXXX, XXXX and XXXX of 2017 which was completely inaccurate as I had paid the XXXX cent balance and they showed {$0.00} as the minimum due. I tried calling One Main numerous times for a correction and each time they refused and simply said their records were accurate yet I have the documents to prove otherwise. What is strange is they report accurately to XXXX but not XXXX  or XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: EQUIFAX, INC.
State: NC
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:
This complaint is a follow up to complaint XXXX filed XX/XX/2017. 
I disagree with the findings of verification stated by the CRAs and the complaint previously brought against the companies has not been satisfied with proof these accounts were validated now removed from my account. Accounts unvalidated were removed from my report by XXXX and I have enclosed the findings of the dispute with this complaint. 

On X/XX/2017 I requested the CRA to furnish : 1. Agreement with the creditor that authorized the CA to collect on the alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested the CRA to provide me with a validation of the debt as listed on the attached correspondence. Please note, this was not a refusal to pay, rather a statement that the CA or creditors claim was disputed and validation was demanded. ( 15 USC 1692g Sec. 809 ( b ) ). The CA or the creditor met my request for information and at this time are knowingly reporting information that is inaccurate. By the provisions of the Fair Credit Reporting Act, I demand that these items be removed immediately from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : please see attachment.

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