BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-23
Company: EQUIFAX, INC.
State: GA
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 an account on my credit report from XXXX XXXX acct # XXXX that was disputed in XX/XX/2017.. It was removed and about 1 month later it was reinserted without my knowledge.. I called Equifax to see why it was reinserted without my knowledge and that I wanted it deleted because they didnt notify me no later than 5 business days after the reinsertion ... The account was never deleted.. On XX/XX/2017 I sent Equifax a 5 day reinsertion letter and I still didnt get a response.. below you will find an attachment of the letter I sent Equifax..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have written to all 3 credit bureaus including Experian that is still reporting the misleading and fraudulent information on my credit profile. XXXX  and XXXX  has corrected the matter promptly.

I have given Experian notice through letters and affidavit in reference to the fradulent chase account, incorrect name and addresses that are Fraudulent. The Fraudulent XXXX XXXX is reporting as a Charge off which is incorrect as well. XXXX has acknowledge the XXXX XXXX  as being a Fraudulent account. I have given XXXX Cardmember Services notices about Experian reporting this Fraudulent information in my name. 

This misleading information is Frustrating and preventing me from obtaining a loan. Thank you for helping me hold Experian responsible for correcting and Removing this Fraudulent information on my credit profile immediately. 

Kind regards 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 2019-04-06
Company: I.Q. DATA INTERNATIONAL, INC.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company IQ Data international inc. violated my rights by placing a debt on my credit report and I was never notified by this company due to the fact that I never lived at my apt in two years. I called an was told that, I owe {$680.00} dollars. I told them that they didn't have the right to put this on my credit without proper notice I was told they tried to contact me at my address. I asked what address an they gave me the same address that I never lived at for two years and I was told they had proof I gave my notice an also pictures of the apt they said I left damaged behind. I informed them that, I have pictures of proof that I left a clean apt . When asked them to send me proof I was told no! This company lied an didn't provide be proof. My next move is court with my lawyer this was not handle professional by this company. The Fair Credit Reporting Act requires certain lenders to send a notice before reporting negative information to credit reporting agencies. The FCRA says this notice shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency. I was never notified when I moved out my apt at all. This was placed on my credit report XXXX I moved out in XXXX. This company needs to remove this from my credit report due the fact I was never given a notice at all to dispute these false debts. I'm requesting that they show me they contacted me with the correct address an not a 2yr address with proof 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 2017-12-01
Company: Northstar Location Services, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I am actively working with a credit repair company ; all my debts have been and are currently being regrouped watched and monitored by that company in order to bring the debts down and to make the creditors compliant in both their communication tactics and their reporting accuracies. The company that called me at work today did not go through the proper channel or proceeding ; they sounded recognizably so, very predatory and threatening. I do not want anymore calls from them. They also should go the mailing route first or the email route before targeting phone numbers. 

Call came from XXXX Company Info : XXXX ) XXXX Northstar Location Services , LLC 16 years in business XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The apartment complex is calculating charges that are not owed and doesn't match the information on move out inspection sheet. The apartment complex is trying to charge for things that were existing before I moved into the unit. Pictures and documentation prove that the charges are inaccurate and unfair. There was never an itemized breakdown of what is being charged. XXXX XXXX XXXX   recommend removal because a pet lived in the unit there are no itemized break down of the cost. There were previous pets that lived in the unit before move-in.

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 2018-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery keeps calling about a XXXX account that was closed a long time ago. 
The amount of the supposed debt was erroneous in the first place which is why I never paid nor settled with XXXX. I told this to Portfolio when they first started calling. 
They keep calling even though I have repeatedly told them to stop. 
It is long past the statute of limitations for them to be able to even collect by suing me which they sent me a letter verifying this about 6 months ago. 

Yet they are still calling. On both my cell and home numbers. cell # listed earlier. Home number XXXX-XXXX-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-07
Company: EQUIFAX, INC.
State: AZ
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. My XXXX XXXX XXXX XXXX credit account # : XXXX is lost/stolen and has over {$22000.00} in fraudulent charges/transactions that arent my charges. My XXXX XXXX/XXXX XXXX XXXX XXXX XXXX credit card account has {$500.00} in fraudulent charges/transactions. The {$500.00} is fraudulent charges/transactions and arent my charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Southwest Credit Systems, L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Roughly two weeks ago a new collection was placed on my credit by Southwest Credit Systems. I was never notified of them purchasing the debt, I have no recollection of having an account with the original creditor they have listed and I was never given the opportunity to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: STERLING JEWELERS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been paying this debt since XXXX. I was initially informed the amount owed is {$3700.00} and as of today I have paid {$3700.00}. On XX/XX/XXXX, I reached out to everyone I have contact information for to finalize the payments and clear the debt completely. However in each call I was told they are not the individuals I should be speaking with. In my last communication I was then informed the amount I owed is {$3400.00} with is lower than the total amount that I have recorded as payment and also told they only recorded payment in the amount of {$1200.00} since XXXX. 
No one is able to or willing to help or assist m with settling this debt. Since XXXX, the company has received a biweekly payment of {$50.00} directly to the company and they will not speak with me to clear this issue because they say the account is closed. I need help in clearing the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: EQUIFAX, INC.
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX : Applied to have an existing mortgage transferred from my existing bank to another. Credit report was pulled & an entry from XXXX  for {$520.00}. ( in collections ) was shown. I had no knowledge of this " creditor ''. Upon my research I found it was a collection agency that had gone bankrupt. I contacted Mass Attorney Generals Office & they advised the debt was bought from XXXX  by XXXX XXXX XXXX XXXX ( XXXX-XXXXXXXX  ). I contacted XXXX, as I had never been notified from either of these companies regarding any debt. XXXX  stated the debt was from XX/XX/XXXXt0 XX/XX/XXXX when it was closed. I asked what the debt was for & was told they only received 2 billing statement when the debt was turned over to them, which had no info on it except for finance charges. They stated the lender was XXXX XXXX   & had a credit limit of {$300.00} on it. ( Why is it {$520.00} now & what was it for ). XXXX did not know & advised to try myself to investigate more or pay the debt. I am not paying for something that I do not know what it is. XXXX  also stated that alot of the information they received from XXXX had not been accurately reported. I would like this removed from my credit report as my obtaining a transfer of mortgage depends on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: VELO LAW OFFICE
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX debt collector tried to claim I owed over {$3000.00} when the debt was {$1700.00}. Refused to accept payment plan and/or tax return despite ( his ) lawyer saying ok to it. 
XX/XX/XXXX debt paid in full XX/XX/XXXX-XX/XX/XXXX more debt added to accound despite being paid in full. Also paid new amount in full. 
XX/XX/XXXX funds siezed from bank despite account being paid in full. 
To date no letter stating debt was paid has been recieved dispite state law requiring one within 21 days, and they will not return additional funds siezed above amount due and paid in full.

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 2019-04-06
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2019 Experian received a formal Dispute Letter via certified mail from me requesting they validate all of the attached accounts per the criteria of the Fair Credit Reporting Act. Where in which I also requested proof of their methods of Investigation, which they did not provide. No proper verification was made. No Contracts, recordings, e-signatures or anything was provided.

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 2021-04-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Privacy Assist contacted me that there was an credit inquiry from US SM ADMIN ODA for a loan. I called the agency and told them it wasn't me. They said someone applied for an SBA loan with my SS # and was denied. They then put an alert on the account. I put a freeze on Exp, XXXX, and XXXX. No sure if I did this correctly. Not sure what else I have to do?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are 2 medical bills that are on all 3 of my credit bureaus that are not mine. I noticed the bills this weekend on XX/XX/2018. I was referred to the Consumer Financial Protecon Bureau and demand you to delete this misleading information in order that it show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.

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 2019-04-06
Company: HANCOCK WHITNEY BANK
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XX/XX/2017, Hancock XXXX XXXX ( via XXXX XXXX XXXX now XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27
Company: V and H Portfolio
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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN AND MY ID WAS ALSO STOLEN. I AM BEING FURTHER VICTIMIZED BY THIS BEING INACCURATELY REPORTED ON MY CREDIT PROFILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a capital one 360 in XXXX and after few days I received a wire transfer in XX/XX/2018 and the last wire transfer i recived was XX/XX/2018, amount {$3300.00}. I withdraw first via ACH payment because they have no capital one branch in the state where i live and then i requested for a debit card and they told me they dont issue debit card to savings account holder except is a checking account and i tried to open a checking account i was not approved, so i tried to withdraw again then account on hold for no reason and i have been calling them to return all money back to the sender of wire transfer.i have been calling capital one to return money back and they agree to after few weeks i called and i realised they did nothing and i told the sender all that happened and he promised he will call and after several calls he realised they are not read to release fund.i have been calling capital one almost every day in XXXX i had to slow down when they told me they are returning money back and uptil now they didnt return it,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I defaulted on my XXXX loans in XXXX and rehabilitated them in XXXX. As part of the federal loan rehabilitation program, all Negatives would be removed from my reports. XXXX has unreasonably refused to remove the negatives on my Experian 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 2018-04-18
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CDIA requirements!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company, with whom I have no business, has called me three times this week during my working hours. They refuse to tell me what type of company they are or what they want. After looking them up online, they seem to be debt collectors. I do not have any accounts that are not under payment and have run my credit report to verify. I have advised to not call, yet they call still. They are asking for my personal information ( address, license number ). I have advised them if they have business with me to send in writing through the mail, but they become hostile demanding my address to " confirm. '' If they have this information, they can mail me, as I have no way to confirm who they are nor what they want. They are unable to prove who they are and quickly end call when you call them out for being scammers and harassment. 
XXXX has called on XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at XXXX XXXX XXXX has called on XX/XX/XXXX at XXXX XXXX ( XXXX, I have a copy of this recorded call as well )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I financed a new XXXX XXXX is through Toyota financial services in XX/XX/2017. 
I got the car and two weeks later, the car lot recinded the contract on the car, changing the monthly due date and the price of the car and the payment agreement. Toyota financial did not abide by the the New contract. They tried to make me pay for the 2 different contract 's. Because of this, I now have late payment 's reporting on my credit reports and it has dropped my credit score by over 100 points. The car lot XXXX XXXX group, and Toyota financial have really hurt my credit reports. 
I have in good will tried to correct the problem. I can't get anything done about it. The car lot just treat 's you like a criminal for saying anything about it. 
Toyota financial  just act 's like it's all your fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-06
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have tried to contact them on several occasions in the last few weeks and have spent over an hour on hold on the phone, and still have yet to speak to anyone about the escrow acct shortage which they manage, and now they are trying to make me pay for there mismanagement. I never had this problem when XXXX held the loan and had reserve left over when XXXX held the loan and the payment never increased. Now they are trying to increase my mortgage payment to make up the difference that is they're responsibility. If I pay the amount the mortgage payment still increases if I don't pay it goes up almost 100.00 is XXXX. They need to fix this and not at my expense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: CT
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 XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

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

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