BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXXeporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
account is not mine. no knowledge of it, no legal obligation 4 it and no information as 2 its origin. There is no police report or fraud affidavit possible and no information or documentation in my possession. plz chk not untimely incomplete and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Yesterday, XXXX XXXX 2017, at XXXX pm, I received an email from Trusted ID Customer Service, the company Equifax hired to assist consumers with compromised credit issues. It stated that my account had a " New Credit Monitoring Alert-Action Required '' and requested that I contact Customer Care at XXXX. I telephoned the number that evening and was on hold for 4 hours and 39 minutes before I gave up and went to bed. 
Thus, I can not contact the company about the issue and expect that there will be further issues and that I will be unable to contact the company in the future. 
Throughout the 4 hour and 39 minute hold, I heard numerous recordings assuring me that I was a valued customer, that the company was most concerned about me, and that I should call back later. I doubt that this is the case. It seems to me Equifax has hired the least expensive service company which, in turn, hired the least number of representative to assist customers. 
I do not want Equifax to have my information ever again nor do I think Trusted ID should be handling customer care. 
As a government entity charged with fair trade, please look into this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-09-28
Company: I.C. System, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt plenty of times and have actually had it removed before and now a different company has bought the debt and the amount has changed along with the actual reporting practice to the credit reporting bureaus XX/XX/XXXX it was removed from my file through me disputing it then it reappeared under a different agency in XX/XX/XXXX for a different amount i disputed it again and was successful. the debt returned in XX/XX/XXXX as well as XXXX it was on my report from 2 different companies and 1 company was removed inXX/XX/XXXX i am wanting this removed from all 3 of the credit reporting agencies for illegal practices and also validation as this address is not valid on my reports

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 2017-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX handed all my data over to an unknown third- party ( hackers ) ... .the want me to enroll in some monitoring service but what safeguards to that being compromised? What I want is access to my CREDIT SCORE 24/7 ... if hackers get it for free I want it for free to ... that info belongs to me and they will still make money selling that info to others -- -but it is me -- -my info ... .I was never asked if I wanted them to collect share or sell it ....

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 2021-06-14
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. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2017-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disputed credit inquiries in writing on all XXXX bureaus and was denied any help.

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 2022-08-25
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our forbearance plan is ending XX/XX/01 and we just received a letter saying that we got denied of any payment plan but to pay the $ XXXX in 2 weeks or short sale or deed in lieu were the only options given to us. I called them twice ( Specialized Loan Servicing ) asking for help but they said those were the only approved options. How is that possible? How can someone whos struggling to begin with pay all this at once? We need assistance in every possible way we can get.

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 2017-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank neligent in customer service and handling of disputed charge which has now caused me a severe lost Bank of america promised that they closed my card and no further charges were able to come in. After a XXXX charge did come thru rep told me that prior rep didnt actually closed the card and she messed up. I told him charge should have never been because card was supposed to be closed. Instead he issued a dispute on the charge and removed it. I never heard from the bank and charged reapeared and wreked havoc on my account. I called XXXX XXXX and a woman apologized that i was not notified about answering the dispute and she would try to remove on that day and at worst 2 biz days and i would not have to worry about overdrafts. It wasnt reversed and now i have overdrafts hitting the account and lost my salary in a transfer to it. I called and was told that the woman was wrong to tell me these things! I was told i need to submit a written response. They sent the original demand for a written response to my listed physical address not my mailing address listed on my account. This guy tells me we dont pay attention to that in this matter!!!! Repeated that it didnt matter what my mailing address listed! He would not help me further in the mean time i am getting overdraft blizzards and i dont have money for groceries!

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 2017-09-28
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:
I have contacted Equifax 3 times via writing and certified mail about XXXX XXXX XXXX account being invalid. Equifax has refused to provide me with proof that this debt belongs to me which is a direct violation of the FCRA. The other 2 reporting agency have conducted accurate investigations and deleted the account from my credit file. Equifax continues report innacurately on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-28
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: Reporting company used your report improperly

Complaint:
XXXX XXXX : You are an incompetent apparatchik, and as culpable as XXXX XXXX and XXXX XXXX. I wonder if you have been bribed by Equifax, XXXX, and XXXX to ignore their sloppy security. Perhaps you will now walk through the revolving door opening on XXXX XXXX. I hope your personal information was stolen along with everyone else. 

The CFPB, one of the funnier oxymorons, should be privatized. 

XXXX XXXX XXXX, XXXX XXXX, TX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: Experian Information Solutions Inc.
State: NV
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 noticed I have fraudulent hard inquiries in my credit report, I realized something was wrong after I log in to my Experian account. I immediately contact Experian and the creditors to let them know I was being a victim of identity theft. XXXX contact me after 3 suspicious applications under my name, I immediately lock my Experian credit report. Please remove from my credit report these fraudulent hard inquiries XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2018-12-30
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
National Credit Systems , Inc., need to remove the {$1900.00} debt by a company that does not exist XXXX XXXX and neither was I notified of this debt by either party. I would like this item removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXXXXXX 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 2018-06-04
Company: HYUNDAI CAPITAL AMERICA
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: Investigation took more than 30 days

Complaint:
XXXX has missed report my payment history. They are reporting me as 30 days late on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I disputed, they realized I was correct and removed. Then they re-reported it. This has happened 3 times. I don't no if this a computer error or clerk error on their end. Its starting to effect my ability to borrower money. I have paid the account off and have a history of all my payments to show I have never been 30 days late. Please Help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: Santander Consumer USA Holdings Inc.
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 was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today Harris & Harris , Ltd. called me at work and asked me to provide my identifying information right away. Since my bills are being paid, and I have an agreement with a medical provider ( I live with XXXX XXXX ), I asked the agent what debt she was collecting. She told me I was not allowed to ask questions, and she was the only person allowed to before asking me to verify personal information. I told her if she was not answering my question, I was not answer hers, and I hung up. XXXX XXXX XXXX XXXX XXXX called an hour later. 

This occurred on XX/XX/XXXX a little after XXXX XXXX The next call happened a little after XXXX XXXX   Since I was working with a student remotely, I did not answer. According to XXXX : XXXX. How can you seek verification and validation of the debt? 

Debt collectors do not have to provide debt specifics during the initial call, though they often will. Collectors legally have five days from initial contact to supply it. This legal process, defined in the Fair Debt Collection Practices Act, is called verification. Simply asking, How can I request written verification of this debt, and getting the paperwork in hand, is good practice. ( A sample debt verification letter is here ). The process is also called validation. Any legitimate collector will not balk at requests for verification or validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INCORRECT INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$12000.00}

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 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I, XXXX XXXX and consumer have new and updated information on XXXX XXXX, complaint XXXX. My complaint was closed on XX/XX/XXXX with the explanation from XXXX XXXX stating that my account is currently in a cease and desist status per my request, which I did not request. They also stated they can confirm they did not receive the required monthly minimum payments that were due during the referenced months of delinquencies and sent billing statements from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX stated that they have confirmed they are reporting accurate information and are declining my request to change the information that's being reported. I did not request to have my account in a cease and desist status nor did I request billing statements for verification. Sending billing statements does not verify the alleged late payments and the alleged debt. XXXX XXXX has failed to provide me with verification of such alleged late payments and alleged debt. Pursuant to 15 USC 1681i ( a ) ( XXXX ) ( A ) ( i ) this information is disputed and this information is inaccurate and can not be verified so it should either be modified or deleted from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-06
Company: Maury Cobb, Attorney at Law, LLC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been sent to Maury Cobb Law services for an account at XXXX and this company started to call me non stop.When I called them back, XXXX, XXXX of the agent said we can settle it by making the monthly payments.I really wanted to clear off my balance but only can afford $ XXXX monthly until I pay off my {$6000.00} past due.For fee months I was making regular payments until they offered me a settlement amount.The only thing is, I could not come up with another {$1300.00} immediately so they have not stopped calling to collect the remaining payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. All three Consumer Reporting Agencies ( XXXX, XXXX, and Equifax ) are violating my Federally Protected Rights. Everything has to be 100 % accurate on my Consumer Report. 
See the attached Tri-Consumer Report with Various Inaccuracies.Further, I demand each Account and each Consumer Reprting Agency to produce the Written Consent that I signed and agreed to allow them to Place ANYTHING on My Consumer Report. WITHOUT IT, THEY ARE ALL IN VIOLATION OF MY PRIVACY AND FEDERALLY PROTECTED RIGHTS Accounts : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX - XXXX 15 USC 1681 Section 602A. States I have the right to privacy. 15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. I submitted multiple complaints with the XXXX  and the Attorney Generals Office. These Collection Agencies are volating my rights and costing me dearly. 

To continue reporting these Accounts after this would be another Violation. 

Willful NonCompliance 15 USC 1681n I will seek monetary relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
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: Public record information inaccurate

Complaint:
I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX. This creditor XXXX XXXX XXXX XXXX XXXX has consistently changed the bankruptcy file date whenever they submit an update to the credit reporting agencies. Attached is the most recent example today where they changed it from XX/XX/XXXX to XX/XX/XXXX. This continued action by them is negatively impacting my credit score. I have tried to resolve this with them but only receive letters and responses that they are reporting it correctly - making me to be the one being frivolous here when I am not. The credit reporting agencies say its the creditor and the creditor says its the credit reporting agency.

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