BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have told them previously to stop calling me my phone number is registered in the government do not call list

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: MD
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that XXXX, Equifax, and XXXX have on file for particular accounts. 
Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. 

I submitted a 30 demand to comply letter stating the 30 day time period for investigation has elapsed. XXXX, Equifax, and XXXX are in Default and the items requested must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I satisfied my loan obligation. The mortgage lien remains of record, as the lender failed to file a satisfaction of mortgage at the county clerk. Even upon providing a copy of correspondence confirming the loan was paid in full and a copy of the satisfaction from the lender, and after the passage of weeks of time ( nearly a month ) I have had no response. 

My house is under contract to sell and the closing date was XX/XX/2019. I am very concerned my buyer may declare me in breach and I would be in serious financial jeopardy with the buyer. Additionally, I am under contract to purchase a home and risk the same serious perils. 

Please help me secure a satisfaction of mortgage.

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 2018-01-28
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: Old information reappears or never goes away

Complaint:
My credit report is not right and old accounts are still there and I want it off my report even old inquiries I want off of there need to be removed time is of the essence

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 2021-07-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
These accounts appeared to my credit report and I do not know who these accounts belong to : XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i have send numerous letters to XXXX, all letter go with : 1.-copy of credit report with highlighted errors 2.- Dispute letter indicating all errors and demand to remove them 3.-Proper Identification, copy of DL, Voters ID, SS card this has been going on for the past 8, months and still is a night mare to get them to remove them, they send letters saying i didn't send proper ID, which is a lie or simply refused to investigate and remove just recently as yesterday my score drop 40 points and a loans i was doing got deny, here are errors which they refused to removed : Personal Statement Statements Personal Statement ( s ) XX/XX/XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XX/XX/XXXX. ( i ask for this i send 2 letters and even call and ask to removed Inquires 1.-XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX 2.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX 3.-XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX these inquires were not authorized by me, they dont have a signature, i never requested any credit by any of them

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 2021-10-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company at number XXXX claiming to be XXXXXXXX XXXX XXXXXXXX XXXX contacted me regarding a case they cited as XXXX ; they threatened legal action and garnishment, wanted immediate payment and refused to disclose any information about the supposed debt. 

I have no outstanding debt, I believe this is a scam, and the fact they refuse to disclose their business number, the name of an attorney, or the state they are licensed in strengthens that suspicion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Americas Car-Mart, Inc.
State: AR
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:
After numerous efforts to resolve this I am hoping you can help. 

XXXX XXXX, on an account I paid in full : Account number XXXX Opened XX/XX/12 For some reason is reporting in violation of the FCRA that I was past due 30 days, this is simply inaccurate to my consumer report. 

I did not realize but I am being denied favorable credit terms and this inaccurate reporting is causing it. I have retained XXXX XXXX XXXX  on an unrelated manner, but I figured surly on a paid account the creditor would correct their inaccurate records without legal action. 

Thank You!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
i have send numerous letters to XXXX, all letter go with : 1.-copy of  credit report with highlighted errors 2.- Dispute letter indicating all errors and demand to remove them 3.-Proper Identification, copy of DL, Voters ID, SS card this has been going on for the past 8, months and still is a night mare to get them to remove them, they send letters saying i didn't send proper ID, which is a lie or simply refused to investigate and remove just recently as yesterday my score drop 40 points and a loans i was doing got deny, here are errors which they refused to removed : Personal Statement Statements Personal Statement ( s ) XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XX/XX/XXXX. ( i ask for this i send 2 letters and even call and ask to removed Inquires 1.-XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX 2.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX 3.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non  specific XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX these inquires were not authorized by me, they dont have a signature, i never requested any credit by any of them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

How come that XXXX  reports multiple CO in 24 months yet XXXX is all OK? Also different dates declared in Date last active. This is a shady report. Please re investigate or remove this from my credit file.

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 2019-09-14
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have tried to work with diversified when it comes to this debt from sprint. I have made multiple attempts to settle this debt. This debt collector does not want to work with me and threaten me that my credit score will go down to zero as they will continue to affect my credit score monthly until my credit score is zero. I have tried to work out the monetary means with this company payment options etc. this company doesnt care about the consumers and are going to drive me into chapter XXXX. I have tried numerous times in good faith to negotiate a settlement and they have no desire to engage me realistically with a settlement I can afford. I also feel that the service that was sold to me should not have been sold in this area as it did not work. I understand I owe for the device but to say we are going to zero out your credit score is absurd and I feel they they will not negotiate in good faith. I am feeling very frustrated as they wont take any settlement offer I have made,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/2021 I filed a complaint with the CFPB against Experian for unethical business practices ( Dropping my XXXX credit score 20 POINTS for a hard inquiry which was not me who applied for anything ) then ( Dropping my credit score 53 POINTS because I had used {$310.00} on a {$500.00} limit card ). When I filed another complaint with Experian because my balance was {$210.00} and mortgage was {$150000.00} not {$190000.00}, Experian refused to update my balances and closed the complaint. This is retaliation for my original complaint along with unethical and suspect business practices. 

COMPLAINT ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2019-09-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/19, I was notified my card was used for three transactions at XXXX XXXX XXXX XXXX. I dont know the declines transaction amounts, but the one that USAA processed was for {$180.00}. I replied to their notification, and I had to call. 

They closed my card and issued a new one. However, I not sure they submitted a claim. I did not receive notice of claim. The transaction had since posted to my account. I was told they will review and state will adjust if necessary within 5 days. 

I was on hold for over an hour, and the customer service was horrible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX bill for my daughters of {$510.00} is on my credit report. The entire amount that was posted on my credit report of {$510.00} was paid to XXXX office on XX/XX/2019 at XXXX XXXX. The payment id # is XXXX. I submitted a dispute via XXXX XXXX and XXXX came back XX/XX/XXXX and said the debt is valid. I explained in my dispute that it had been paid in full. I would like it removed from the report. If it can not be removed at least show the XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Harley Davidson Financial Services Inc
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I co-signed a loan with Harley Davidson for a used bike. Harley dealer did not honor factory warranty or the add'l warranty which was purchased. ( 2 statements refusing to do repairs ). Contract was agreed to be cancelled with voluntary surrender of bike. Requests for pick-up of bike took several months for Harley dealer to respond. During this period, collections began thru Harley Loan Servicing. When bike was finally retrieved, Harley 's contractor dropped bike and damaged it severely. WE have a tape of this happening. Harley then tried to hold us responsible for damages. All documentation has been presented to Harley Corporate representative, XXXX XXXX. I filed a dispute with credit reporting last year. I never received any info on results or investigation, or request for documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
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 previously disputed the inaccurate accounts that are in my credit report last XX/XX/2021 but to no avail the credit reporting agencies did not fix my problem nor did they investigated or gave me a response. On top of that, they did not verify if the accounts they are reporting are even right! I know that they should be reporting with maximum accuracy but they are clearly not and it's hurting my credit score big time. Please help me resolve this with them as I am losing my patience and I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Experian Information Solutions Inc.
State: MS
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:
I have attempted on several occasions to retrieve the source of Experian bankruptcy. As of today, they explained that XXXX XXXX is their source. I have attached a letter verifying that XXXX XXXX said that they could not verify a Bankruptcy that has been placed on my Experian credit report and I ask for that same reason that it be removed from Experian as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
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:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection agency is charging me for a debit that it is not mine they closed a account that was paid in full by insurance and they were charging me as a collection service then they closed the account and then they open a false account to charging me for a debit that i dont Owen si i want then to closed this accounts and delete my information from there files for good i think that they haces taken with out my permition information that i didnot autorice and never sign any documents from them and they never sent me any information that could let me know that i had a debit from them. I think that they are using my information for there sharing files with others. I feel un safe knowing that they haces personal information that could be used with out my permition like they just did in this account that they oppend with out me knowing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
After looking over my credit report there were inquiries being reported on my credit report by Transunion. 
1XXXX XXXX XX/XX/XXXX 2XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX XX/XX/XXXX 10.XXXX XXXX XX/XX/XXXX I have also disputed with the creditors as well , I send them a letter that I have attached to this complaint, and Transunion is still reporting these fraudulent inquiries. 
I also tried disputing this online with the credit bureau but it does not allow me to. I tried calling and no help. Transunion is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! They have detailed on my current Transunion Credit Report several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chichanary led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Obviously this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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