BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-06
Company: STERLING JEWELERS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls repeated 10-20 times a day threatening to come to my residence or my wifes work with a uniformed officer to serve me with legal papers. Harrassing phone calls after I told him to stop. He says his name is XXXX 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 2020-07-21
Company: RAB, INC.
State: TX
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:
I keep getting calls from RABTX.COM for a debt I do not owe. I have no idea who this company is or the debt they are referencing too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
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:
This is a complaint against the Fraud Department and Special Needs of Equifax in XXXX and English, I am a victim of identity theft for more than two of us, and they have many reports that I have sent to them, to dispute and to remove those accounts from my report, but it is who have said that the police report that I uploaded say they do not meet the requirements of the investigation department and that the police report is fraudulent. In other words, the XXXX XXXX XXXX Police Department, Fl XXXX, made fraudulent reports the XXXX  fraud department. They are affirmed that this report is false. The accounts I am disputing are seven ( 7 ) and one of them Equifax is reporting double is XXXX/XXXX # XXXX for an amount of {$16000.00}, and the other is from another account # XXXX, XXXX   XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX   XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX. And the following inquiries, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. These accounts do not belong they were not opened by me and this is why I go to the Consumer Finance bure so that you are witnesses that the department of fraud of Equifax in XXXX do and say what they want at such level to discredit the police with fraudulent reports according to XXXX. I invite the board or do not know which department receives these complaints, audit their employees and be more cautious when it comes to accusing and saying that a state police  department makes false reports and that their officers are corrupt because they are pretending to do these false reports. As they say they are false, here I am going to ask that this department be contacted to see who is right. I feel humiliated by the Department of Special Needs that manage my credit becauseI have sent via upload through the email which they send to me after I have talked to them. I comply with everything asked of me and even then they dont remove the accounts even with a police report and according to law which they are supposed to remove within 5 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: Experian Information Solutions 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:
XXXX XXXX XXXX has fraudulently sold my acct that was upheld with them to a collection agency I have no knowledge with or given my consent to having my personal information provided to them directly with written consent. XXXX has committed identity theft and fraud without my knowledge to a company called XXXX XXXX XXXX. I am unaware of this company and according to 18 USC 8, I, the consumer, do NOT owe any or alleged debt, it ALL belongs to the UNITED STAES Co.! I have placed a dispute with Experian the credit reporting agency and they have stated it is verified. Since I am a natural consumer that has been falsely proven and which was thru a computer generation and according to congress 15 U.S. Code 1679b they are in violation of allowing an agency to report falsely nd it prohibits them of false practices. My privacy is violated by XXXX providing information to falsely report and misleading information to appear because I do NOT know who XXXX XXXXXXXX XXXX is! I am sending this complaint because the Experian reporting company continues to update 2 or 3 times each month, which brings my score lower than the normal 1 reporting time each month.

They have already violated my rights as a consumer under 15 USC 1692 ( p ) law. I have a privacy right 15 USC 1681 and at this time I am exercising my right by filing this complaint. Neither company has submitted or requested a 15 USC 1692g validation of debt and I have numerous and XXXX just keeps issuing a statement but not with a negative balance. Answer me this, If a consumer owes an alleged debt how come it is not reporting a negative balance amount on the statement? Its because I extended my credit to XXXX thru my SOCIAL SECURITY NUMBER and they are falsely 15 USC 1692e as well as allowing XXXX XXXXXXXX XXXX violate 15 U.S. Code 1692f - Unfair practices.

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 2018-09-06
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
When XXXX XXXX XXXX sold our loan to XXXX XXXX XXXX balance was XXXX they added 2nd mortgage of XXXX long as we made are payments on time for 3 years, They would defer XXXX off of principle balance XXXX Resulting in balance of XXXX. We made our payments on time. Document page 3 will explain it, I will fax page 3 to you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: HYUNDAI CAPITAL AMERICA
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 AM A VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED MY FTC REPORT TO XXXX NUMEROUS TIMES I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED PER FCRA 605B ( 15 U.S.C. & 1681c-2 ) TO BLOCK THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2019, I sent a certified letter to Experian requesting to dispute certain accounts and items. In XX/XX/2019, received an updated unfortunately stating reporting and information was verified. On XX/XX/2019, I mailed another letter requesting Method of Verification to Experian. I am 150 % sure that Experian has continuously allowed these creditors to illegally report inaccurate information and has not provided completeness and fairness of properly investigating the disputes. If Experian has properly investigated the disputes, then they would have found the inaccuracies and errors provided. However, Experian purposely has allowed the creditors, collection agencies, etc to report re-aged accounts, inaccurate payment histories, inaccurate account numbers, etc illegally.

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 2023-01-31
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A hard inquiry was made on my credit report on XX/XX/ by XXXX XXXX which I did not authorize. 

On my credit report it shows that a credit card was opened on XX/XX/ which I did not authorize. 

Account info Account name XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XXXX Status Open/Never late. 
Status updated XXXX XXXX  Balance {$4300.00} Balance updated XX/XX/ Recent payment $ 0 Monthly payment {$44.00} Credit limit {$4300.00} Highest balance {$4300.00} Terms NA Contact info Phone number None provided Address XXXX XXXX XXXX XXXX XXXX XXXX  Since no phone number is provided, I was unable to call them. I've reached out to XXXX to report this fraudulent activity and they recommended that I file a report online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: GA
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim these items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX, TN XXXX, XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$720.00}, 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 2019-08-20
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was on XXXX XXXX and saw some debt that shouldn't be on my report.None of these debts are mine.  I would like to have these resolved and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$9500.00}, {$0.00}, {$0.00}, {$400.00}.

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 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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this
information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

2. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX BANK with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -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 2023-02-15
Company: Credit Karma, LLC
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had applied for a loan using XXXX XXXX, I got approved and when I try to use the card it was unable to be use, the debit card so I reach out to the credit karma bank to figure out why my account is locked and I can't use my available balance, they said I would need to send proof that this account belongs too Me.which was strange because this is my XXXX XXXX  refund ..account which I Have use XXXX XXXX for over 10 years I usually do a direct deposit using my personal bank account but XXXX XXXX make u deposit it on the credit karma card who won't allow you too use the money .it 's been over 3 weeks and my account is still locked and they keep sending me this same email that my account is under review and they can not and will not release my funds until.They feel like it after I submitted all of the requested documents my us passport my Bank statement and my light bill they .have done this in the pass to other people and never release there money at all my tax return will be deposited into this account as well that money they are holding is half of my tax refund I have call them over 30 times and email them 50 times to get the same responds absolutely nothing I contract the Irs they stated it's nothing they can do .I would need to wait on a resolution From credit karma money account I even asked if they would close my account send Money in.a form.of a check they have know right to hold my refund it's my Money and there card I don't have to use there card Send me my refund in.a form.of a check they entire amount they saying they can't close my account out since it a issue in there security department which I have submitted all forms of proof they will not Give me in additional information and my funds are there but I can't use not a penny of it they are breaking the law they don't have a right to Freeze any payments from your tax return they are not they irs and not sending you your tax money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: UT
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 been locked out of my Equifax account for 1 month. I have called and verified my identify 3 times, but my account remains locked. I was told twice that this issue was being escalated an that someone would contact me in 3-5 days, which never happened. 
In addition, Equifax continues to bill my credit card for credit monitoring service after I cancelled this service due to poor performance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: SUNRISE CREDIT SERVICES, INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In approx XX/XX/2022, I initiated a trade in using my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX powder blue phone, for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also financed an XXXX  XXXX without a trade in with XXXX. I had Many, many issue right off the bat including the inability to connect my service for more than a month, causing me many issues in my personal life, including being unfairly discharged from a medical office that I relied on for everyday well being. The biggest issue leading me here, is that XXXX ultimately failed to keep their part of their contract with me regarding the trade-in offer and never paid off my bill with XXXXXXXX XXXX XXXX for the XXXX XXXX XXXX XXXX. I confirmed the phone arrived at the XXXX warehouse, and on more than one occasion, with the assistance of a representative, tried to process the pay-off, each time believing, hoping it was a success, but while waiting and more time passed, apparently, according to XXXX, `` You waited to long, and now your time frame has " expired ''. Although I did not actually wait to long, XXXX had just neglected their contractual duty when I mailed in my trade in with the trade in kit that they provided to me. I never once wavered from my contract, and still have not. 
Ultimately XXXX XXXX XXXX sold this debt, against me to collections for {$790.00}, and my credit which was recently close to 800, is now approx 665 or less, and going down because of it. I recently received a letter from XXXX stating that they received a letter from the new collection agency Sunrise ( who has apparently purchased the debt from the original collection agency, and when they took over it shows on my credit report as if its a brand new debt collection, being the reason my score went down dramatically again. ) after receiving this letter they ran a soft inquiry on my credit and then decided to reduce my benefits and purchase power, even though # 1- I have 100 % on time payment history with XXXX XXXX Ive never owed them one single day past due, ever. # 2- this entire situation is 100 % their doing and their fault, yet they have the oddasity to penalize me when they have not only destroyed my credit and financial reputation, but also my chances of qualifying for a mortgage, which Id been striving for for 4 years until now. 
Please 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 2021-10-07
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
To whom it may concern : The following student loan accounts are all from over a decade ago, and the date of first delinquency is well over 10 years on each of them. The date of first delinquency shown on the credit report is INCORRECT! These student loans must be removed from my credit report immediately. 


U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened 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 explanation
Consumer complaint received 2020-09-10
Company: COMMERCE BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
This is a report of credit discrimination and one of the most outrageous one. Couple of months ago, I received a pre-approved letter from Commerce Bank which included a 0 % balance transfer without fees, if transfer made before XX/XX/2020. 
I applied for it and submitted a balance request for {$25000.00} since they indicated that if requested was more than approved they will transfer the min of the two.

First they claimed that I mistook residency with citizenship and denied the application ( even though I was pre-approved ).

I called and asked them how a citizen could be denied while a resident would not be. They stated that residency included citizenship. I corrected it and told them that I was a citizen. I was told I was approved after the correction for a {$10000.00} credit limit. But, later I realized that they did not do the balance transfer. They told me they mailed me the card and I could do it when I received it.

I waited for over a week and did not receive a card. I called today  XX/XX/2020 to inquire about the status of the card. I was surprisingly told that my application was under review. I said, I was already approved, they say but they can still deny it even though I was already approved. I told them that was illegal and what they are doing is discriminatory. Because of my wonderful credit history, I am machine approved but because of my race, I was human denied. 
This egregious violation of law should NOT be tolerated. I hope you will investigate and prosecute these type of credit discriminations. I know, you won't but that's fine. History will remember that I did my part reporting these discriminatory practices still in effect in the US financial industry, in 2020

Company response to consumer: Closed with explanation