BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-04
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I spoke with customer service about my account and to notify them that my Federal tax return would be deposited, the account was closed anyway. On XX/XX/2022 CitiBank force my Federal Tax Return into that closed account and refused me access to my account. I have called everyday trying to get them to give me access to my funds. I have also spoke with supervisors and I have left my number for call backs. All I keep getting is if I wanted immediate access I can go to a branch ( I live in Texas, there is no branch ) or wait 30 to 60 days for a check to be mailed once my account is closed. If my account was closed on the XXXX of XXXX why was my taxes forced into that closed account? My utilities have been disconnected, my phone is disconnected and my rent is due. Wait for a check will have my family and I XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: NV
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been enrolled automated payments for seven-plus years with MyFedLoans. My payment was taken from my account on my due date last month as usual, but was never posted to my account. I have contacted customer service four times - three emails ( XXXX, XXXX, and XX/XX/XXXX ) and one phone call ( XX/XX/XXXX ). The three emails have never received any response other than the automated notice that they were received. The customer service representative I spoken with by phone said he would submit the issue, but that was over a week ago and the notice of delinquent payment still shows up on my account. I am still receiving automated notices about the late payment, including another today ( XXXX ), and my perfect credit report is being threatened with ruination because this company has failed to properly post the money they have already taken from my account. As I mentioned to the customer service representative, I had a loan consolidation completed with them on the same day XXXX payment was taken out of my account. If I had known this would be the result, I would have selected a different service provider. Since customer has never responded I am unsure what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: EQUIFAX, INC.
State: MA
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:
During the month ofXX/XX/XXXX, I purchased a car though XXXX  XXXX. I looked at 2 other dealers but did not buy from them. At XXXX XXXX I selected XXXX to finance my car purchase. My credit now shows of 30 inquires over the past 30 days. Often 3 or 4 times by the same banks on the same days. I have posted them below. I have contacted XXXX XXXX. The offered no help. They said they have no control over what banks inquire about my credit or when. I also called each bank. They all said they would have some call me back or assist. None of them have. For example, I spoke with XXXX 14 times. Each time they promised that someone would help or call me back. Please help. 

XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX   XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The consumer reporting agencies has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 : States I have the right to privacy.

15 U.S.C 1681b ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has plase a judgement on my name, under FDCPA they had to notify me of they intentions prior to summit lawsuit, that is a clear violation of the FDCPA. I have no knowledge of this debt. I'm requesting for a debt validation of this debt or delete the negative report off my credit and remove judgement from court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i have contacted SYNCB/TJXDC and asked for validation of debt numerous times as well as challenged the reporting of this account ... each time it has come back verified ... how can this be verified if the reporting is all over the place ... btw XXXX deleted it because the could not verify this account and its time for the others to follow suit .... 

XXXX  is reporting {$1200.00} high credit limit XXXX is reporting {$0.00} high credit limit XXXX  is reporting {$0.00} credit limit XXXX  is reporting {$950.00} credit limit XXXX  is reporting XX/XX/XXXX as the date of last active XXXX is reporting XX/XX/XXXX as the date of last active -- -this account has been re aged look at the 2 year history ... none match and XXXX is reporting 150 day late XX/XX/XXXX and then 120 days late XX/XX/XXXX ... how is that even possible ... .these are all clear violations..i have attached a copy of the reporting

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 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am so disappointed how XXXX, XXXX and Transunion 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: United Revenue Corporation
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: Account information incorrect

Complaint:
XXXX XXXX XXXX reported the same item on my XXXX Credit three times. The account number is XXXX for the amount of {$670.00}. The original account number is XXXX. The reporting dates are XXXX XXXX twice and XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX and XXXX both have my mortgage with XXXX XXXX XXXX as being delinquent. 

I filed a complaint against XXXX XXXX XXXX back in XXXX. You resolved the issue satisfactory. I refinanced with XXXX. My loan closed end of XXXX. My XXXX loan was closed. 

To my surprise, I checked my credit score and XXXX, XXXX and maybe Exparian now have my account as delinquent. 

I called XXXX and they confirmed I was never delinquent or late.

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 2019-06-06
Company: EQUIFAX, INC.
State: TN
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 am so disappointed how Equifax, XXXX and XXXX  's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX  XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I file a dispute to the incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Harvest Strategy Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX plus account # XXXX was sent to a collection agency named Harvest. The phone number for the collection agency Harvest was provided to me by a customer service  representative from XXXX, Ive called Harvest at this XXXX several times, no one answers the phone and it will ring until eventually going to a voicemail, voicemail message asks you to leave a message with your contact info and a brief description as to what the call is about. I have left several messages ( at least 8 ), I have included in my messages my contact info and the account info for which I am calling about. I have yet to receive a call back from Harvest. All I am trying to do is settle my debt and have the negative mark in my account deleted, and have Harvest report to the credit bureaus that my account is paid in full. I am baffled at the fact that it is so hard to get to speak with someone at Harvest or even to get a phone call returned.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2019 I received a summons for court from attorneys XXXX XXXX, XXXX XXXX, & XXXX XXXX who are representing Midland Funding LLC. This was the first time that I was informed that I supposedly owed someone any money. On XX/XX/2019 I mailed a validation letter XXXX certified ) which I obtained from the Fair Debt Practices Act to the above attorneys since all correspondences for Midland Funding LLC go to them. I received a letter back from them but all questions were not answered. I was not able to verify anything about Midland Funding LLC if they can do business in the state of Arizona, if they have the proper licensing to do business, or even if they are a legitimate business. They denied me that right, because they did not send all of that information I requested in that validation letter. Therefore I files a motion to dismiss the case against me. They filed papers trying to dismiss what I filed & so on. There was a hearing. When I went to court I explained that I sent a validation letter to Midland Funding LLC via their attorneys they didn't answer all of the questions therefor the case should be dismissed. A few days later I received another paper from the attorneys representing Midland Funding LLC that I didn't file an answer so it should be a default. The very next day I filed an answer to the court about this case basically stating all of the above. Also in the answer I filed in court I stated because they didn't answer all of my questions, they are not allowed to continue trying to collect the debt from me, nor can they sue me, or list it on my credit report. If they do, I can file a complaint, so I did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: LJ Ross Associates
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LJ Ross collection agency for XXXX  XXXX erroneously placed a collection account for {$510.00} which is the same as XXXX  XXXX Account XXXX on my 3 credit reports ( i.eXXXX, XXXX, and XXXX ) as per LJ Ross letter dated XX/XX/XXXX. Conversely, on XX/XX/XXXX XXXX sent me notification stating that final balance of {$510.00} for XXXX XXXX Account XXXX have been TRANSFERRED to my current XXXX account. {$510.00} for XXXX XXXX Account XXXX is on my current XXXX  XXXX account. This LJ Ross collection agency account XXXX must therefore be REMOVED from my 3 credit reports ( i.e.XXXX, XXXX, and XXXX ). REMOVE THIS LJ ROSS COLLECTION ACCOUNT XXXX FROM MY XXXX, XXXX, XXXX CREDIT REPORTS BECAUSE DEBT WAS TRANSFERRED TO MY NEW XXXX ACCOUNT. I will sue LJ Ross and XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Checkr, Inc
State: IL
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:
Thank you for calling XXXX Support. If you have further questions, you can always contact us from the " Help '' menu in the XXXX app. Thanks Sent by XXXX on Thursday, XX/XX/2019 at XXXX XXXX The above was an email response I received while trying to resolve and issue with my XXXX Partner account. My account is suspended ( unable to work ) per a background check by the company Checkr ( files attached ). I was unable to resolve this issue with XXXX and was told I need to follow up with the company who did my background check ( consumer report ). 
Checkr received a motor vehicle report which states that I have a ( surrendered ) Colorado license. Not only am I unsure what this  means and/or has to do with my ability to continue driving with XXXX ( as I currently live in Illinois and have an Illinois license ), my rights under the Fair Credit Reporting Act clearly state : Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment-or to take another adverse action against you-must tell you, and must give you the name, address, and phone number of the agency that provided the information. 

Per my rights under the Fair Credit Reporting Act, Checkr has failed to give me the name, address, and phone number of the agency that provided the Motor Vehicle Report information. This should render the inclusion of this information ( which is unknown to me and irrelevant to my employment ) null and void as it was specifically used adversely-to stop my independent contractor status with XXXX. 

I have attached all documents emailed to me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX  XXXX - XXXX,XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: MS
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:
Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXXT Date Assigned XXXX XXXX, XXXX Original Amount Owed {$49.00} Amount {$110.00} Collection Agency XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$140.00} Amount {$140.00} Collection Agency XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$170.00} Amount {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$5400.00} Amount {$5400.00} Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$630.00} Amount {$630.00} I have disputes these items numerous of times due to identity theft with supporting documents of the police report as well as my personal information attached for verifications. These debts keep reappearing through new collections attempts, harassing me through phone and email and I need that to cease and decist immediately. I have been sending the same removal letters and reports for over XXXX years and they continually re-add these items to my XXXX, Equifax and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: VA
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:
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 an account without my written instructions. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I do not have a contract with ) XXXX XXXX XXXX ) Account # XXXX Nor do I owe any debt to ( XXXX XXXX XXXX ) Account # 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 2019-09-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received an email from One Main Financial saying that i have a credit hard inquiry which impacted my credit score on XX/XX/2019. I have not requested for any loan. However, I received a notification from XXXX XXXX that i am pre-qualified for loan and it also stated that this process will not effect my credit score, but an hard inquiry happened on my account. I request you to please take an action on this.

Company response to consumer: Closed with explanation