BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-05
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened an account with XXXX XXXX around XX/XX/2017 for wireless internet. They came to install the internet and it was working for a few a few hours after the technician left, however every time I left the apartment and returned I had to reboot the router. Later that evening the internet stopped working entirely. When I called to have another technician come out to fix the problem they were not available for a whole week. When the technician arrived one week later the same results occurred. When I called to cancel they said it would not be a problem and I would not have a balance to pay due to me not having service during the time I was supposed to have service. The XXXX   Cancelation Confirmation Number was XXXX and I spoke to XXXX   Employee ID XXXX said my account balance was XXXX dollars. The following month I received a bill of {$170.00} I spoke to XXXX   Employee ID XXXX on XX/XX/XXXX and he told me the final bill takes 30 days to generate but not to worry. The following month I spoke to XXXX Employee ID : XXXX on XX/XX/XXXX and she now told me it would take 60 days to generate the final bill with a XXXX  balance and it would not be a problem. I called again in XX/XX/XXXX to be told now it would take 90 days. Every time I asked to speak to a manager or someone else who could assist me and was denied this. It would also take me 30 plus minutes on hold before I was able to speak to someone. In XX/XX/XXXX I recieved a Collections Notice from XXXX XXXX XXXX XXXX claiming the same {$170.00} from XXXX XXXX. I again tried to reach out to XXXX directly and was told now there is nothing they can do and my account is in collections. I have never had an account in collections, I have never had a late payment, I value my credit and ensure I maintain it in good standing but I refuse to pay this balance because it is for services I never recieved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: American First Finance, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
American First Finance has violated my rights as a consumer. I have made several attempts to resolve this issue with the company. They have yet to respond or adhere to my request. American First Finance is furnishing this debt without providing the proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$35000.00}

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 2022-08-31
Company: EQUIFAX, 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:
Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern Beneficial has sold our loan to XXXX XXXX around 2 years ago. Before finishing up with taking off the deferred interest home loan & side loan. We would get repeated phone calls from Beneficial that we were missing a payment. When we would go to the branch office with proof of payment, They would have no idea why we were contacted because the computer would show us current. We also have many statements that show full payment being made, but minus part of the payment and it showing up in deferred interest. But showing paid in full and never showing or saying that we were delinquent. Just before selling the loan Beneficial told us the deferred interest that we asked about was for 35 missing payments on both loans. When we tried getting information about the missing payments they would just hang up on us. When they finally did talk to us, It was just to tell us the loan was sold and they could not talk to us. We are wanting to refinance. But refuse to pay money we dont owe. {$49000.00} off home loan & {$7700.00} off side loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
nd where did they get the figure its a very general letter no specifics the debt collectors name XXXX XXXX the company is Portfolio recovery associates llc the amount from what i can see is for XXXX dollars USA currency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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:
In accordance with the Fair Credit Reporting Act, the following accounts : XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXXXXXX XXXX  # XXXX, XXXX  # XXXX, and XXXX XXXX # XXXX have violated my rights. 

15 USC 1681 section 602a states that I have the right to privacy.

15 USC 1681 section 604a also states a consumer reporting agency can not furnish an account without my written instruction. 

Please delete these accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions 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: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: HUNTINGTON NATIONAL BANK, THE
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My car was totaled XX/XX/XXXX. The insurance completed the payoff of their part of the loan the end of XX/XX/XXXX and there is a small amount of the loan left over. We have GAP insurance and I gathered the information that I had. I was missing the Statement of Payments and the original loan documents from Huntington Bank. I contacted the bank and the agreed to fax the documents to the GAP insurance company and send me a copy in the mail. This was around XX/XX/XXXX. I waited two weeks and contacted the GAP insurance and they had received the Statement of Payments, but not the original loan agreement. I then called the bank again and requested the original loan agreement be faxed to the GAP insurance and the 2 documents sent in the mail to me. 
The interest rate on the original document was different than the rest of the documents, so the GAP insurance requested a APR Rate Difference letter from Huntington Bank. I called Huntington Bank on XX/XX/XXXX and was told that the document would be processed that day. I talked to the GAP insurance on XX/XX/XXXX and was told that they had not received the APR Difference Letter yet. I called Huntington Bank again and was told that this letter takes 4 days to process! I then called Huntington Bank again on XX/XX/XXXX and was told that it would take 5 days! In this process, my account has been reported to the Credit Bureaus as delinquent.

Unfair and Abusive!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
THIS COMPANY IS CONTINUOUSLY REPORTING UNVALIDATED, INACCURATE, FRAUDULENT INFORMATION. I have contacted this company numerous times in the past about XXXX XXXX reporting UNVALIDATED, INACCURATE, FRAUDULENT information on my credit reports. I AM A VICTIM OF IDENTITY THEFT!! I EXPLAINED THIS TO BOTH THE COMPANY AND XXXX XXXX NUMEROUS TIES!! This company comes back with the information as being verified and accurate, yet they choose NOT to send me ANY proof thereof even though I repeatedly ask for it. How can you claim something as validated and accurate when you have NO proof thereof. On the most recent credit report they sent to me, they claim the disputed debt from XXXX XXXX was verified as accurate. How can that be the case when I have received a letter ( see attached ) from the same supposed original creditor who refutes what this company and XXXX XXXX claim. THIS IS A BLATANT AND PURPOSEFUL VIOLATION OF MY RIGHTS!! I WANT EVERY ENTRY FROM XXXX XXXX COMPLETELY AND PERMANENTLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY!! Then I want written PROOF that this has been done!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
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: Other problem getting your report or credit score

Complaint:
The Equifax website at https : //www.equifax.com ( and all pages therein ) are stylistically and programmatically broken allowing no way to access account information, review freezes/locks, file/check on disputes, and more. 

This has been the case for over a week yet Equifax is unavailable for commenting. 

They appear to be using XXXX as a customer support and ticket service judging from the number of recent tweets from general users and responses by the company. 

This can be observed at XXXX XXXX XXXXXXXX  where there is a constant stream of users seeking assistance for issues they'd otherwise resolve via equifax 's own website. 

With that said, I have been unable to file a dispute with the company nor access my annual credit report for over a week. 

How is this company still in such a position to report on and maintain critical financial histories on US consumers??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Advanced Collection Bureau, specficially its representative XXXX XXXX at XXXX, is attempting to collect a debt which they claim I owe. The alleged creditor is XXXX XXXX XXXX 

First : Rather than contacting me directly, Mr. XXXX contacted my former employer ( XXXX XXXX XXXX ) and my " in case of emergency contact '', XXXX XXXX. He has left numerous messages on their voice mails about me. 

Ms. XXXX told me about this on XX/XX/XXXX and I immediately called Mr. XXXX. When asked why he's calling other people, he laughed. Then he went into a tirade telling me I'm obligated to pay. I hung up on him. 

On XX/XX/XXXX, he phoned the XXXX  residence. At no time after that XX/XX/XXXX call has he phoned me on my cell. I've tried calling him and there is no answer. 
Apparently, he works by attempting to embarass/humiliate people. I will not tolerate this and have no hesitancy in filing a complaint in Federal Court re these tactics. 

Second : I've never received a debt validation letter from Advanced Collection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
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: 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 {$9400.00}, {$50000.00}, {$50000.00}, {$19000.00}, {$27000.00}, {$260000.00}, {$260000.00}, {$8500.00}, {$12000.00}, {$8500.00}, {$12000.00}.

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 and 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 ).

-OPEN ACCOUNTS- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9400.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account.

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account. 

-AUTO ACCOUNTS- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$19000.00} -This is not my account.

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$27000.00} -This is not my account. 

-REAL ESTATE LOANS- 6. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260000.00} -This is not my account.

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260000.00} -This is not my account. 

-STUDENT ACCOUNTS- 8. U S DEPT OF  ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 

9. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

10. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 

11. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -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 2019-04-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am having a issue with bill me later through PayPal. I was under the impression I was paying with my debit card. I somehow signed up for PayPal bill me later. I don't recall agreeing to this service. And to be honest my credit is poor so I wouldn't of even tried to get credit like that.

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 2017-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX ... To Whom It May Concern : I have been paying for the 2 credit cards with XXXX. It has come to my attention from the credit bureau that the credit reporting for the 2 accounts is not proper. 1. There has not been any reporting on the credit card to the credit bureau from the time XX/XX/XXXX to XX/XX/XXXX. 2. There has been late payments reported on both the credit cards but the fact that there was automatic payments scheduled. I was even charged late payment fees on the credit card. 3. This is negatively reporting on my credit report and it is causing problem in getting a home loan for me and my family with XXXX kids. 4. I have always been diligently paying my bills and did report to XXXX about the incorrect reporting and no reporting but there has been no action taken so far. Please delete the negative entries of late payments from all the 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 2022-08-31
Company: EQUIFAX, INC.
State: CA
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:
This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX Balance Owed : {$410.00} Date Opened : XX/XX/2020

Company response to consumer: Closed with explanation