BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX Balance Owed : {$64000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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/2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.

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 2021-09-21
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
So I have already told them my ex-wife will pay it. I understand they are calling for a date but they have called me 4 times today from XXXX and when I addressed the fact that they are harrising me they acted like they could not hear me and hung up. 

They also called me 3 times on XX/XX/XXXX from XXXX 4 times on XX/XX/XXXX rom XXXX This is from Conns home plus. I owe on a washer & Dryer. Now it is not from Conns directly, they clearly have outsourced to XXXX. but They still should not be calling like this. 


I can print screen the calls if needed. Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12
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: Old information reappears or never goes away

Complaint:
The inaccurate employment information keeps reappearing on my credit report. Transunion continues to display inaccurate information on my report. I told them repeatedly that the information is inaccurate and they need to remove it, but they never remove information. They never even investigated it. Repeatedly put on my credit report. I'm at the point where I'm ready to file a lawsuit. This I'd documentation for me that I have gone through all the proper channels and resources available.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 account XXXX XXXX XXXX, XXXX XXXX, XXXX DEPT OF ED/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SYSTEMS, 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 an 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
Consumer complaint received 2019-06-12
Company: Aargon Agency, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt to XXXX XXXX was paid. This collection agency is trying to collect on a debt that does not exist. I told one collector on the phone that this debt does not exist and they said they did not believe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Lendmark Financial Services
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account LENDMARK FINANCIAL S which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that LENDMARK FINANCIAL S was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Crow Creek Sioux Tribe
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I borrowed {$2200.00} and theyre trying to charge me % XXXX just in interest alone skyrocketing the amount I owe to XXXX. I tried calling them to discuss paying off my loan in full with minimum interest but they didnt give a option or even a 3 month repayment plan at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: Franklin Collection Service, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Why didnt the hospital send me a bill on this amount of XXXX I never received and bill or a past due notice about a XXXX bill if I had it would have been paid but due to their negligence I never received a bill nothing at all about this so they send it to collections totally wrong on their part ruining my credit for again their negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit Bureau was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number xxxxxxxx XXXX. I have never done business with Barclays Bank Delaware resulting in redacted account number xxxxxxxx XXXX. 
I have also requested proof of permissible purpose resulting in redacted account number xxxxxxxx XXXX of which I have not received to compare to my records. Desired Resolution : Delete & Block item immediately pursuant to FCRA law section 609.

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 2023-04-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: PR
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:
XXXX IS NOT REPORTING THE COMPLETE AND ACCURATE INFORMATION TO MY CREDIT REPORT

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 2023-04-07
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
[ Your company is a debt collector you are violating the FDCPA law in Florida. Debt collectors are not allowed to use unfair practices to collect a debt. Your debt collection agency has Misrepresentations about the debt, including the amount owed and the dates. You are not the original creditor and I have requested verification of your debt from companies or law firms collecting debts on behalf of creditors or for debts that have been purchased from original creditors. i AM UNSURE ON HOW YOU HAVE MY SOCIAL SECURITY NUMBER and the fact that you have been reporting negatively on my credit report is illegal. Do I need to file a Consumer Financial Protection Bureau and file suit against your debt collecting agency if so i will have attorney do so if you refuse to remove yourselves from my credit reports. The proof that payment was made was already submitted I HAVE PROOF YOU ALREADY REMOVED YOURSELVED FROM MY EXPERIOAN CREDIT REPORT NOW REMOVE yourself from my other credit reports or I will have my attorney file a lawsuit and set a hearing date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: BlueChip Financial
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX  phone number XXXX. 
Called me and threatened to take me to court they also threatened to garnish my wages from work. I only make minimum wage at work and my second source of income is Social Security XXXX. They told me that this involved a payday loan that I took out from XXXX XXXX over a year ago. Which is now gone up to {$710.00} according to XXXX XXXX. When I called XXXX XXXX they told me that they sold my account papers over to XXXX XXXX. Spot loans number is ( XXXX ) XXXX. Attached is part of the second source of my income which is Social Security XXXX.

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 2019-11-10
Company: Specialized Loan Servicing Holdings LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
While my payments were being deducted from my bank account the first of every month SLS doubled my contractual payment to correct errors of SLS. 
I have not missed any payments but SLS took my XX/XX/XXXX payment and did not give me credit for it causing my account to remain delinquent for over a year ruining my credit. Why to cover illegal inaccurate spreads of escrow shortage of funds in their possession. SLS ' failed to file insurance claims to correct their errors which and refused to honor my request that a Stay be placed on any/all account activity until SLS corrected said errors in handle my escrow. Said failure has resulted in one and a half years both financial and emotional abuse due to errors of SLS and failure refusal to correct them in a timely manner, which must end now, in XXXX of XXXX. 

SLS doubled my monthly payment to correct errors of miss calculating my escrow, refunding excess escrow, reducing my monthly payment {$660.00} for 10 months, everyone knows 10 x {$660.00} is {$66000.00}, but SLS insisted I had a {$19000.00} escrow shortage and refused to produce escrow bills paid to demonstrate said claimed shortage. To prevent my home from going to foreclosure due to said increase/unaffordable payment I suggested the funds be taken from my principal account instead. For the next 100 days SLS slowed removed over {$9000.00} from my principal account to reduce said shortage down to over {$10000.00}. SLS changed my payment in XXXX, XXXX, XXXX and XXXX of XXXX for said illegal changes in payments and took my XXXX payment without me missing a payment causing my account to be one month delinquent for over a year ruining my credit. 
Since SLS discovered said errors in XXXX of XXXX they have been destroying our lives both financially and emotionally and it must end now,

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 2019-11-10
Company: Experian Information Solutions Inc.
State: NC
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:
ACCORDING TO 15 USC1692 ( A ) 4 I XXXX XXXX, I AM THE ORIGINAL CREDITOR-IN-FACT/ALL PERSONAL DATA AND SIGNATURES HOLD AN UNLIMITED VALUE/SO CALLED CREDITORS LISTED ARE DEBTORS IN FACT/XXXX, XXXX, EXPERIAN, THE DEPARTMENT OF EDUCATION AND FEDERAL STUDENT AID DOES NOT HAVE MY EXPRESSED CONSENT TO MY EXPRESS WRITTEN CONSENT TO FURNISH MY DATA/SEE UCC CERTIFICATE NUMBER XXXX ORDER NUMBER 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 2019-11-10
Company: Experian Information Solutions 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 am a victim of identity theft and I have been asking XXXX XXXX and XXXX XXXX update their records and my credit report to not show credit card information in my report which dose not belong to me. I have contacted them on numerous occasions, filed complain with Experian credit reporting agency requesting them to update the information, however nothing has been done. Once again I am a victim of identity theft and I have never authorized XXXX XXXX and XXXX XXXX to open an account under my name.

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 2019-11-10
Company: CITIBANK, N.A.
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 am a victim of identity theft and I have been asking XXXX XXXX and Citi Cardsto update their records and my credit report to not show credit card information in my report which dose not belong to me. I have contacted them on numerous occasions, filed complain with XXXX  credit reporting agency requesting them to update the information, however nothing has been done. Once again I am a victim of identity theft and I have never authorized XXXX XXXX and Citi Cards to open an account under my name.

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 2020-09-12
Company: Experian Information Solutions Inc.
State: AL
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/XXXX I sent a letter to all 3 bureaus regarding inaccurate items on my credit report. Now it's XXXX and I've yet to receive a response nor those items removed. I dont really know how to file disputes but after all of this time it seems like I'm being taken advantage of and basically ignored. Section 511 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my report. It has been well past that time frame and I demand these items be removed immedately or I will be forced to file for litigation. This is my second time dealing with a credit bureau. The first was when the XXXX data breach occured and I was afraid my information may have fell into the wrong hands

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 2022-08-12
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XX/XX/2022 Attorney General of XXXX I, XXXX XXXX XXXX consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : AMEX Account Number : XXXX XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

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

Delete this account immediately, unless you want to be held {$1000.00} per violation.

2. Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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 am a victim of identity theft and I have been asking Capital One and XXXX XXXX update their records and my credit report to not show credit card information in my report which dose not belong to me. I have contacted them on numerous occasions, filed complain with XXXX  credit reporting agency requesting them to update the information, however nothing has been done. Once again I am a victim of identity theft and I have never authorized Capital One and XXXX XXXX to open an account under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Equifax was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number XXXX. I have never done business with XXXX XXXXXXXX Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609

Company response to consumer: Closed with explanation