BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-13
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, # XXXX {$11000.00} ... XXXX XXXX is falsely reporting inaccurate info to the credit bureau ( Equifax ), I disputed the inaccurate info with Equifax and sent police report I filed when my wallet was stolen. On the updated dispute results I received on XXXX, Equifax stated the company wasn't reporting on my file but I was notified by my credit monitoring service the account was reported XXXX and it's still on my credit report. This is not my account it doesn't belong to me. XXXX is under investigation as we speak for trying to collect on false accounts the company has been shut down for not having license to collect. No validation of this debt as Equifax has claimed. Please remove this fraudulent account off my credit file thank you. 

XXXX, # XXXX {$12000.00} XXXX XXXX is reporting inaccurate info this account doesn't belong to me I don't have a contract with this company. I've disputed with Equifax every month for the past 3-4 months with no response from the company or Equifax/XXXX to get this inaccurate info removed off my file. No validation of this debt at all as Equifax has claimed. XXXX never responded o my dispute. Please remove this fraudulent account off my credit file thank you. 

XXXX, # XXXX {$1200.00} XXXX XXXX is reporting inaccurate info on my Equifax and it's a fraudulent account and it doesn't belong to me. I've disputed this account with the company and Equifax with no response or validation of this debt as Equifax claimed. Please remove this fraudulent account off my credit file. 

XXXX, # XXXX {$330.00} XXXX XXXX is reporting fraudulent info on my credit file. Not my debt I have disputed with Equifax with no response I asked for validation and have yet to receive it. This is a fraudulent account and it doesn't belong to me please remove this inaccurate info off my credit file thank you. 

XXXX, # XXXX {$960.00} XXXX XXXX is reporting fraudulent info on my Equifax credit file this account doesn't belong to me, I asked for validation of this debt and no response in months from Equifax in regards to this inaccurate information. This account doesn't belong to me please remove thank you. 

XXXX, # XXXX {$2100.00} XXXX is reporting inaccurate info on my Equifax credit file that is fraudulent and inaccurate. I have disputed multiple times with Equifax with no response. Please remove this fraudulent account off my file thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- PERSONAL ACCOUNTS 11. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

13. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-11-22
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My cable TV and Phone service was installed by XXXX on XX/XX/XXXX. Soon after the installation the TV and phone were disabled and the main cable box was displaying Video Registering. After my complaint to XXXX, many attempts were made by their technicians with no results. They said that my television was causing the problem. I contacted XXXX and after tests were made they concluded that the problem was the cable box. Due to the spreading of the virus my wife and I, seniors in our XXXX decided not to have techs over. We have lived with this problem for the past 8 months. We paid every month if full including the month of XXXX although we did not receive full service. ( See attached ) On XX/XX/XXXX we switched over to XXXX. XXXX wants us to pay {$180.00} for XXXX because we canceled their service 2 days into the month with no service provided. We have no contract and I was not told of this rule. 
Thank you, 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 2020-05-21
Company: Experian Information Solutions 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:
We called to ask about Forbearance plan, and was told information would be sent out for our review. We received a letter on XX/XX/2020 stating we have been approved for a Forbearance plan. After reviewing the information we decided this is not for us and paid our monthly payment on time and have been paying on time as our credit report stated all for the month of XXXX states No Data Show ( ND ). We are request the month of XX/XX/2020 to be shown as paid on time.

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 2020-05-21
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On a recent review of my credit report, I discovered that Caine & Weiner is inaccurately reporting a collection account to XXXX  and XXXX. I mailed a certified letter to Caine & Weiner requesting VALIDATION. In my letter I included what constitutes validation. The company acknowledged receiving my request and all that was sent to me was a collection letter. They ignored my request for validation all together. On top at that, I then received a notice from XXXX  that the company placed the collection on my report which wasn't on there previously. Lastly, the amount on the collection letter is different than what is posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: U.S. BANCORP
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
USBank recieved my PA unemployment benefits and issued a ReliaCard. Despite the fact I had asked for direct deposit th my PNC account. USBank placed limits on how I was able to access my money, making it impossible to pay the bills I am now behind on. USBank refused to work with me on a resolution to relieve these limits so I could use my money properly. USBank has now restricted all access to my money and has become completely unreachable. They have not returned a call they said they would. ( 2 weeks have passed ) and the Usbank automated call center ( XXXX ) hangs up on me after identifing my account.

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 2022-05-03
Company: EQUIFAX, INC.
State: FL
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:
According to 15 USC 16981 ( B ) -I never gave these companies permission permission to run my credit for any inquiries. While checking my credit report in XXXX i noticed all of these inquiries of my report, I contacted all three Credit Bureaus to advise them and asked them to delete the information to no avail. This was my next step, I would like all of these inquiries to be removed from my credit report, because i never agave them permission run my credit or per 15 USC 1962 B ( 2 ) a Consumer has the right to privacy, I did not give anyone written permission to list or report any information on my credit report. Please delete all of the unauthorized inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: EQUIFAX, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
I TRIED TO get my report from free anual credit report website I only got XXXX Report. Equifax and XXXX kept saying there was an error try again later. Called Equifax and was on hold for over XXXX minutes and transferred to a recording to dispute a charge on my report but I DONT have my report! Called XXXX  was on hold for more than XXXX minutes! They say it will take XXXX weeks to process it and XXXX weeks for delivery!! That is not acceptable! I could loose alot if someone else is using my information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am sending you this CFPB complaint as a follow-up to the one I already filed asking that the fraudulent accounts and information you report on my credit file be immediately deleted. I've heard that you are legally obligated to delete any accounts and information that were created as a result of my identity being stolen under the Fair Credit Reporting Act section 605b. On XX/XX/XXXX, I sent a dispute letter together with comprehensive attachments of my personal identification documents and the ID THEFT Report I had just received from the FTC. As soon as you can, please delete the following things from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX. Investigate the disputed items and remove them as quickly as you can, in accordance with Federal law. If you couldn't find a valid reason to keep reporting the disputed items, remove them from my credit file right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company I.C. System Inc is illegally re-aging an old debt. The original date of last correspondence that my husband received from XXXX, was in XX/XX/XXXX seeking {$1000.00} on past due debt. My credit report shows the last date of payment in XX/XX/XXXX, yet I.C. System Inc continues several times in a month, to update the debt as new which in turn continually TANKS my score each month. This is illegal and I want to file a complaint AND sue this company.

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 2021-02-24
Company: CARD Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have card.comto received my SSA benefits and every month they are charging me a XXXX fee another fees for this card I suppose to get my check 5 days before the XXXX of month And everytime I call in they will not let a supervisor and they are stealing money out of my account every month

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
HSBC FRAUD - I contacted HSBC around XX/XX/2020 and INQUIRED about a mortgage forbearance but mentioned I did not need it at this time. I received a confirmation letter in the mail on XX/XX/2020 and did NOT sign it and emailed it to HSBC and let them know I did not need it. However, I found out around XX/XX/2020 that I was put on the forbearance without my knowledge. I have since called and emailed and have not received any information or response back. This was without my knowledge and HSBC should be reprimanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed out four dispute letters via certified mail and notarized to verify the collection debt on my credit report. The collections I'm referencing are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received responses from XXXX  and XXXX  stating they verified the debt but I have not received any proof of this unverified debt. I have contacted the collection agency myself and asked for validation of the debt which I didn't receive. How is it that XXXX  and XXXX  have verified the debt but I contacted the collection agency directly and failed to obtain verifiable proof? 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. XXXX   didn't report this collection because it is unverifiable. 

I sent my first round of letters to XXXX  and XXXX  on XX/XX/2020. 
Second round on XX/XX/2020 Third round on XX/XX/2020 Fourth round on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX I received a letter regarding a forbearance plan but I noticed it stated that " As a result of not making of not making any payments during the term of the Forbearance Plan, you will become delinquent on your mortgage and your credit score may be impacted. '' When I attempted to make my XXXX payment the online was blocked due to a forbearance being placed on my account. 

I called XX/XX/2020 to inquire about the plan once the forbearance was over and the impact on my credit score and I was told my an agent with Freedom Mortgage Corp # XXXX that my credit score would not be impacted due to it being a " national disaster and pandemic ''. I then inquired about the repayment of the missed payments and she explained the different options but then explained she could not tell me the eligibility criteria and I would need to call in the middle of XXXX to inquire about which one I was able to take advantage. She told me I could speak with loss mitigation but she came back and they declined to speak with me. I asked her how I would be able to make an informed decision without information? She had no answers and loss mitigation declined to speak to me because she stated " they have the same information I have ''. I should not feel blind sighted by this mortgage company ; I should be given the options for repayment and and criteria to determine if this program is a good fit for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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 contacted Portfolio Recovery Associates and advised them that I do not want them to contact me anymore back in XXXX of XXXX. Despite this request, I was contacted via phone today by XXXX XXXX and was advised that they do not have a do not call list and that they require an email be sent in. This was not what I was advised of back in XXXX when I requested the initial no contact. Additionally this is the same company that contacted me at my previous employer around XXXX of XXXX and I advised them over the phone that I did not want to be contacted. It appears that they have simply been putting my name on a call later list. I do not wish to be contacted by this company again as I am disputing the account altogether.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have written and called to Equifax many times over the last 2 years with only 1 response. I recieved a response stating the way that they accept disputes which is the same email address they responded from. My issue has to do with their scoring process not a creditor, but Equifax themselves, they've no category for issues directly related to them. While reviewing my credit report I noticed a vast difference ( 30+ points ) between XXXX  and Equifax after a line by line comparison I noticed disputes I'd filed and won were not reflected in the score which a successful dispute is supposed to yield upwards of 25 points. inquiries that were done on the same day while car shopping, were not counted as a single inquiry but as 25 individual inquiries from 2 dealerships on the same day. An XXXX point score drop for no apparent reason when showing positive activity was occurring in the same update. Score increase notifications of 1 point but the 1 point is never reflected in the scoring example beging score XXXX, score after increase XXXX. Next reporting stated on time payments but in the same reporting a XXXX point decrease to XXXX but says " No Change ''. That's just a sampling of anomalous activity. Disputes won but not removed. Duplicate creditors. My Equifax score is XXXX points lower than XXXX  score with less information showing disputes on time payments and all what is supposed to be there. My most recent submission to Equifax was on XX/XX/19 no response. Again their dispute system is geared for complaints about creditors but not they themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Experian Information Solutions Inc.
State: KS
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:
cra violation information is inaccurate no knowledge of accounts sent to credit bureaus

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 2019-06-01
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Purchased 2 XXXX XXXX. Turned in vehicles no response for a few months. Then I get a bill, but it does not explain what are the charges for. So i contacted Hyundai and asked for a detail breakdown on charges. Told me to look at my contract. 1 bill says {$800.00} the other {$1500.00}. Then i never heard from them again until I started getting calls from debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have had a Capital one /Saks store card since XXXX. In XX/XX/XXXXthe card was removed from my reports due to fraudulant activity which was incorrect and resolved. It was reported to all credit agencies but i noticed it was missing from XXXX XXXX and was affecting my credit score for example XXXX XXXX XXXX and XXXX XXXX this was due to length of credit as my account is 11 years old it would make a huge difference to my score. I have tried to have them reinstate the card but was told that XXXX XXXX would not do it due to the length of time. I then called XXXX XXXX they told me that they had no such request logged on there system and was told by XXXX XXXX  that if the card was in good standing they would report the information correctly. So i can only assume that Capital one /Saks are not telling the truth. I have never missed a payment and have kept my card in good standing. I am in the process of obtaining a mortgage and this is affecting me greatly and is not treating me fairly at all. I want the card and it full history reported to all agencies. I f this is not resolved i will be getting a lawyer involved and sue them for all the extra interest i have had to pay due to there error.

Company response to consumer: Closed with explanation