BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-04
Company: SYNCHRONY FINANCIAL
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 been checking on my credit reports daily. Recently I noticed a Hard Inquiry on one of my credit reports through XXXX XXXX stating that I " opened up a credit account through Wal-Mart '' I tried to disputed it but was n't able to because I had a pending review on another dispute I had submitted before. Just an FYI, i have been dealing with Identity Theft since the beginning of 2017 due to the fact that my personal information was stolen by an unknown person and this person or people keep trying to ruin my credit and my my personal information by applying for credit cards and other miscellaneous offers. I want to get this fixed as soon as possible because I have been trying to get my credit score to where I want it to be, and that 's at a excellent level

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 2021-06-11
Company: EQUIFAX, INC.
State: FL
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 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: TX
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:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled a debt of XXXX with XXXX for XXXX in XXXX. I have attached a copy of that payment from my bank statement. They removed the balance on the XXXX account but have now placed the remaining XXXX with a company called EOS. This is a violation of federal law and likely usury laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I called money gram today XX/XX/2017 about the money I sent to let them know I was involved with a scam and I got the run around and no help from them at all. I lost XXXX through this company and they were trying to pin it on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: NY
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:
In XXXX this year I have sent a letter regarding unknown things on my credit report, To this day over 40 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these inquiries be deleted immediately or I will file for litigation due to the stress you caused me. I also Identity Theft online through Federal Trade Commission website which I attach to the letters sent to the Bureaus. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

I also know that the FCRA states that only purposes for pulling someones credit report is : firm offer of credit, insurance, court order or employment. With that being said, I am unaware of the inquiries listed on my report, I never authorized such and I ask that your agency please help me to remove the inquiries from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Last XX/XX/XXXX I paid off my Citibank card for the last time. I always paid my balance in full by the due date and never carried a balance on this or any other credit card in 30 years. After I made the XX/XX/XXXX payment, for the full balance, I canceled the card and destroyed it as instructed, so I don’t currently have the card number.However, Citibank's phone workers ID numbers XXXX, XXXX, and XXXX (who gave his name as XXXX), were able to pull up my account from my name and date of birth. Citibank claimed that my payment was due on XX/XX/XXXX and was paid on XX/XX/XXXX or XX/XX/XXXX, depending which phone worker was talking to me. They also said a late fee could be waived as a courtesy, but they never offered me this courtesy when I phoned about it months ago after receiving the first statement with a late fee on it (and no purchases, because I had canceled the account). Every month they add another late fee on the late fee, and interest on the late fees, and now I’m told the balance, which I paid to XXXX in XX/XX/XXXX, is now over XXXX Two of the phone workers told me only one late fee could be waived, even though the subsequent ones are bogus, based only on the first late fee. However, they won’t waive the first one that caused all the others.XXXX told me he had a supervisor, but refused to escalate my call to that person.As I see it, this whole scheme is fraud on Citibank's part. There may also be negative consumer credit reporting related to this.

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 monetary relief
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
the Credit Bureaus never did a proper investigation according to the FCRA. 

The term " Investigation Consumer Report '' means a consumer report or thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained with personal interviews with neighbors, friends or associates of the consumer reported on or with others whom he is acquainted or with whom who may have knowledge concerning any such information. 

They did not take these steps to validate Even more violated my rights According to the fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The credit bureaus reported information as accurate, but how so when the date open is inaccurate, date last active inaccurate, payments are inaccurate, payment history inaccurate and date last reported is inaccurate. I have written documents stating a account was removed but the bureaus says its accurate. This is grounds for removal. 

Thy also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions. 

i did not give anybody written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: EQUIFAX, 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:
Equifax repeatedly ignores and violates my rights under the FCRA. They continue to report unverified items on my credit file after repeated request from all parties involved for verification. To date I have not received anything in the form of verification i.e. executed contract(s), 1st hand account of credit agency rep verification from original creditor(s). receipts, canceled checks from my bank account, etc...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX transferred my loan to XXXX while I was in a Chapter XXXX. This debt was paid then forgiven by XXXX however XXXX XXXX  XXXX XXXX is still showing delinquency on old debt. 

I attempted to get the three credit reporting agencies to correct this information to no avail. I also provided the 3 credit reporting agencies the " STATEMENT OF SERVICE '' Letter from the Chapter XXXX following my successful discharge. 

My credit file is still showing that the information is current and all attempts to fix this have failed. I have contacted my Chapter XXXX Attorney and will file a grievance with the bankruptcy court against this company and 3 credit reporting agencies.

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 2021-06-11
Company: EQUIFAX, INC.
State: AR
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:
Over the past several months I've been in contact with XXXX, Equifax, and XXXX  in regards to a medical collection account reporting under the name of XXXX XXXX  located in massachusettes. This account has been reporting inaccurately due to idenity fraud and or theft. This account has never belonged to me nor have I ever received any medical treatment on during the times the account claims to have been opened. Also I am aware of the Health Insurance Portability and Accountability Act of 1996 in regards of protection and confidential handling of protected health information. In additon, this account has previously been removed from XXXX  and XXXX  reporting consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, INC.
State: PA
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:
Equifax was reporting a negative late payment on my consumer credit report. I disputed this item and it was updated and removed. The late payment shown on there was a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Collections Acquisition Company, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sirs, XXXX on XXXX XXXX XXXX XXXX IL made charged {$XXXX} to my account by mistake and gave it to Payliance for collection.After I spoke to Miss XXXX of XXXX XXXX she cancelled it on XXXX/XXXX/XXXX. Payliance XXXX told me that they sent cancellation notices to three credit bureaus on XXXX/XXXX/XXXX. I got a email alert from XXXX XXXX credit secure on XXXX/XXXX/XXXX that my credit score went from XXXX to XXXX because Payliance did not cancelled the item from my credit which they reported to three credit bureaus .I called again Payliance / XXXX on XXXX/XXXX/XXXX and they told me the same thing again that they sent cancellation to all three credit bureaus. 
Payliance on XXXX/XXXX/XXXX updated my credit report saying that they are in process of collecting debt from me, which is totally wrong. Because I dont owe any money to XXXX or anyone else.I have the email from XXXX XXXX of XXXX that I dont owe anything. I also have two voice messages of XXXX XXXX that she called Payliance XXXX and told them to cancel it on XXXX and XXXX.XXXX is not removing the item from my credit report. I am never late on my payments ever and I work really hard to keep good credit. Sirs I request you to help fight Payliance to remove the wrong charge on my credit report.Thanks a lot. 
Best regards

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
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:
fcra violations not mine : see attachments XXXX XXXX XXXX  XXXX XXXX XXXX, TX 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 2019-01-27
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:
The following person named XXXX XXXX was found on credit reports and tax records previously and may have reaped benefit from my tax refunds or credit reports due to mishandling of records by corrupt collection agencies, attorneys and judges : XXXX County Civil Court ( TX ) Film Code : XXXX, XXXX, XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
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 so many mistakes on my credit file ones that even say " authorized user '' I have disputed several times and nothing is being done. Please help me get this taken care of XXXX/XXXX  / CHARGED OFF ACCOUNT - THIS DOESN'T BELONG TO ME REMOVE THIS XXXX  XXXX XXXX  CHARGED OFF ACCOUNT - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS XXXX XXXX - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS XXXX XXXX - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS

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 2017-10-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Dear Sirs : XXXX XXXX XXXX is aware that I reside in a area that was affected by Hurricane Harvey in Texas. My county is one of many under The Federal Emergency Disaster Declaration that went into effect on X/XX/17.

Consequently, I am under a 90 day moratorium issued by FEMA since I have a FHA backed mortgage. C.M.S. is fully aware of this as indicated by them verbally and in writing.

This Federal Moratorium prohibits any Forclosure or Collection related activity thereof from X/XX/17 onward and possibly extended. 

However, I continue to get harangued with phone calls and letters threatening Forclosure and most recently from an outside agency CMS has since contracted with as seen by the attached letter herein. 

I have asked them to please stop these attacks and to respect the law set in place due to this Natural Disaster mandated by FEMA. This harassment is uncalled for and perhaps illegal. 

Very truly yours, XXXX XXXX Re:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Experian Information Solutions 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 so many mistakes on my credit file ones that even say " authorized user '' I have disputed several times and nothing is being done. Please help me get this taken care of XXXX/XXXX  / CHARGED OFF ACCOUNT - THIS DOESN'T BELONG TO ME REMOVE THIS XXXX  XXXX XXXX  CHARGED OFF ACCOUNT - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS XXXX XXXX - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS XXXX XXXX - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS

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 2021-06-11
Company: M&T BANK CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XX/XX/2015, I traded in my PURCHASED XXXX SUV  FOR A XXXX. I PUT DOWN {$5000.00} DOWN PAYMENT. MONTHLY PAYMENTS OF XXXX WERE DIRECT FROM MY XXXX TO M & T BANK. AFTER 5 YEARS, I CALLED THE BANK TO GET A LIEN RELEASE AT WHICH TIME I OWED A LARGE SUM. I SAID " IMPOSSIBLE AUTO DIRECT PAYMENT. '' SEVERAL EXPLANATIONS THAT MADE NO SENSE CAME WAY WITH THE ALLEGATION I SIGNED A CONTRACT FOR 85 OR SOMETHING PAYMENTS. I TOLD THERE MUST BE A MISTAKE AND FRAUDS. I CALLED XXXX XXXX AND THEY GAVE ME A FAKE PRINT OUT JUSTIFYING THE DEBT. THEY LEFT OUT THE DOWN PAYMENT. I HAVE XXXX AND XXXX STATEMENT TO PROVE {$4000.00}. AN EMPLOYEE FROM M & T BANK TOLD ME THE DOWNPAYMENT WAS {$5000.00}. AND THEY REFUSED TO GIVE ME COPY OF THE PURCHASE AGREEMENT OR BILL OF SALE SINCE I COULD NOT FIND DOCUMENTS RELATED TO BOTH VEHICLE AT ISSUE.

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 2021-06-11
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called fox collections to resolve a debt. I asked if I could settle with a lower payment. I was told that the original debtor said that they couldn't take a settlement. I spoke with XXXX about a DOS of XX/XX/18 for {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, INC.
State: TX
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:
XXXX/XXXX  inquiry was made on credit report on XX/XX/2018. I have no knowledge of this credit inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Green & Sons Agency, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Outsource  Receivables MG has failed to respond to multiple requests for validation on the amount they are reporting on my  XXXX  report of {$120.00}. I have attached the most recent requests to this complaint. They have failed to provide me the information requested to validate and/or verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : 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 non-monetary relief