BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 Bankruptcy discharge : Ref. # XXXX. XXXX XXXX : Acct. # 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Valentine and Kebartas, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Regarding Valentine and Kebartas - https : //valentineandkebartas.com/ : XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX - Continually calling. They are asking for a XXXX XXXX. I am not him, I do not know him, he is no friend or relative of mine. 

I have repeatedly told them this. They claim to " take me of their call list '' but the calls continue. 

I suspect this is a disgruntled customer who is using my phone number to stop the collection calls on his end. 

This seems to be a common complaint for this company if you do a simple XXXX search and look at the reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023 I contacted Bank of America to report fraudulent use of my debit card with a consumer ( XXXX ). I was able to stop another transaction that was made fraudulently, however I was not able to stop the transaction in the amount of XXXX. 

Bank of America sent me a new debit card and I was given a temporary deposit of the money stolen. 

On XX/XX/XXXX we received a letter in the mail stating that our claim had been denied and that they would be taking the money back out of our account. Bank of America did just that and left my account negative on XX/XX/XXXX. 

Now, I feel as if my own Bank is stealing money from me and failed to protect my identity as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-13
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is third attempt at fighting off the collection of this debt I have requested from the company debt validation and they have failed to validate the debt.

The company Calvary is stating that on XXXX XXXX2014 that it sent notice under 15 U.S.C 1692g which is required by law.

They're stating themselves in the letter that it was returned as undeliverable and they're right because I never received any letter or notice.

It is also been stated that Cavalry investigated the disputes and verified the information provided, however there's no accurate information to backup their allegation.

The person stated in the account who owes the debt it showed that it was a XXXX XXXX  now they're changing their allegations and saying that in the original creditor is a XXXX XXXX XXXX. I'm neither of those two names my names is XXXX XXXX XXXX requesting to have both of these debts removed from credit bureaus where they are been reported and cease collection records as they are not my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: OH
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:
For over a year I have been trying to fix the improper Foreclosure statues that keeps getting reported to my account even though the account in question has been proven by XXXX XXXX that there should not be a XXXX status reported. I will be attaching a document from XXXX XXXX that shows proof from them that the account should not be in XXXX status. 
The account in question is : XXXX XXXX XXXX Mortgage -Property sold on XX/XX/XXXX of 2020. 
Actions taken are : - Discussed issue with XXXX XXXX - Received document to clear FC from XXXX XXXX XXXX - Talked to All three Credit bureau and filed dispute on XXXX XXXX - Submitted one claim to CFPB : Claim FAILED by CFPB - Disputed with again with ALL Three Credit Bureau 's and still no change.

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 2023-01-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 I sent a dispute to Chexsystems regarding some errors I discovered on my report. They came back today, a day after I submitted my dispute saying the investigation was frivolous and won't investigate. That I need to tell them what's wrong in the report. This is not my job. They're job is to make sure ALL THE INFORMATION ON MY REPORT IS XXXX XXXX ACCURATE. Reporting inaccurate information is a violation of my rights. 

I demand the following account to be investigated and verified. If not, it has to be delete immediately from my report. 

Source : XXXX XXXX XXXX XXXX XXXX : Transactions involving POSSIBLY altered items or checks. 
Reported name : XXXX XXXX ( NOT MY NAME ) Reported address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( NOT MY ADDRESS ) Alleged Charge Off Amount : {$1900.00}

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 explanation
Consumer complaint received 2018-09-17
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a letter stating that my debt was placed at their agency and I could set up payments or pay in full and only pay 50 % off the original debt - when I called ( on XX/XX/2018 ) it didn't sound right and I vaguely remembered paying this EXACT debt to the original collector about two years ago. 

I called where the original debt was owed and reminded me of the agency it was sold to and told me this letter was not part of their collection efforts. 

I called the company and told them over a recorded line to stop calling me and sending me letters that this was basically a fraudulent effort to get a debt that is no longer owed. She hardly let me get a word in and kept asking who the other company was - I told her I am not obligated to give her that information and they are not the ones who own my old debt that was PAID and to stop calling and sending letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
A couple of months prior to my 36 month vehicle lease ending I received notification about possible additional charges. These were not mentioned at the time I leased the car. The only thing mentioned was the XXXX mile limit. When the lease ended they charged me {$400.00} to take their car back unless I agree to purchase the car. They also charged me for 2 tires, and scratch repair. The charges total over {$1200.00}. There were no scratches on the car when I returned it. They said it was inspected 3 days AFTER I returned the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 non-monetary relief
Consumer complaint received 2018-09-17
Company: Experian Information Solutions 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:
I have submitted numerous disputes with XXXX, XXXX, and Experian about two of my accounts. The first one is passed statue of limitations here in Florida and I have even tried to work out something with them. I have yet to hear or see it removed after two months. XX/XX/XXXX is when the first dispute was finished. 

The Creditor 's have not responded either. 
Here is the first account. 


XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXX Usage 96 % Balance {$670.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX   Monthly Payment - Past Due Amount {$670.00} Highest Balance {$600.00} Terms - Responsibility Individual account Your Statement - Comments Profit and loss writeoff Contact Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Payment History On Time120120+ Days Late3030 Days LateFPFailed to Pay6060 Days LateNNegative9090 Days Late The second is my XXXX Account which I have an active one and for some reason they said I got a Card in XXXX that is negative. This is 100 % % % % Not true. I did have one over 10 years ago but when I called and got my new XXXX card they added this from XXXX which I never once opened an account! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2022-09-29
Company: Experian Information Solutions 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there.

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 2020-01-09
Company: EQUIFAX, 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:
id theft victim XXXX XXXX XXXX ( not my account due to fraud ) XXXX XXXX   XXXX ( not my account due to fraud ) XXXX XXXX XXXX ( not my account due to fraud ) XXXX XXXX XXXX ( not my account due to fraud )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On or about I filed Bankruptcy in XX/XX/2019. On XX/XX/2019, my Bankruptcy was discharged. The facts and proof Im attaching clearly shows Prime Lending is retaliating against me because I did not Reaffirm my mortgage loan. However, I have continued to make all scheduled monthly obligations as I have plans to refinance my mortgage with another Lender as soon as practical. After my bankruptcy was discharged, Prime Lending has been sending me ( via US Mail ) threats of filing Foreclosure stating Ive defaulted even when I have forwarded Prime Lending banking statements ( see attached ) that validates I have met monthly obligations ( via XXXX XXXX   Payments ). I have spoke with Prime Lending customer service department more than ten ( 10 ) times requesting that Prime Lending rectify this issues as well as cease having private carriers delivery threats of Foreclosure. In addition, during the bankruptcy process Prime Lending unknown to myself has increased my monthly payments from {$680.00} to {$810.00} without ever notifying me. When I asked Prime Lending for an explanation for the reason my mortgage had been increased, I was told because my property taxes and homeowners insurance had been increased. I decided to reach out the XXXX county auditors office to verify that my property tax rate and discovered my property taxes were actually decreased ( see attached ). On more than five occasions, I asked Prime lending why the discrepancy over payments that I have proved had been paid to them, Im always told that it takes a while for there system to get updated. However, after five ( 5 ) months has passed, Im still receiving loan delinquent notices/ letters and there plan to proceed with Foreclosure. 

I have kept current with ALL scheduled payments ( see banking records ), even when I should have skipped payments when I was in the bankruptcy process and Prime Lending has accepted ALL payments yet continue to cause me mental stress by potential threats of Foreclosure. 

Every week Prime Lending is sending me erroneous billing statements with different amounts claiming I owe them. This is my opinion is beyond Predatory Lending/ Harassment/ Coercion/Deceit. 


Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I checked my XXXX XXXX  account, and this Hard Inquiry on my XXXX report : " '' COMENITYCAPITAL/XXXX  Reported : XXXX XXXX, XXXX  {$0.00} In good standing Overview You're currently using XXXX XXXX of your account 's limit. 
Balance {$0.00} Credit limit $ 14300 Monthly payment No Info Opened XXXX XXXX, XXXX  '' '' No Contact number on the Inquiry, only a mailing address, red flag to me, plus I did not apply for a card from them, so I looked it up online COMENITYCAPITAL/XXXX  and called XXXX : They could not confirm my I had an account with Name, address or phone number. Ask me for the 16 digit card number, but I have not even received a card. 

I called XXXX, and they directed me to the FTC XXXX and that referred me to this website. 

I am not sure what to do? 
Please advise. 
Thank You!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12
Company: EQUIFAX, INC.
State: MI
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:
See attached XXXX of screens as I attempted to access my dispute XXXX. I filled in the requested information. Then it asks four bogus trick questions ; all of which are " none of the above '' answers. They deny access based on non-existent accounts. This is illegal. If any of those questions are actual, then fraud has been perpetrated. I will go to court with the printscreens to - through discovery - require the questions ' source documents upon which this is based. I filed many CFPB complaints to correct first get my free XXXX report to make corrections. This trick question stuff is unfair and blocks legitimate users from their own accounts. I want all information removed from my reports since none of these questions is valid. Moreover, with a blank credit report, there should be zero problem answering questions since " none of the above '' will always be the correct answer, regardless. As of now I want this credit report mailed to my address and I want all bogus questions removed as well. I want to be able to go online and access XXXX results without a hassle. Question 1 : installment account? No such account. 2. Payment on # 1? No payment is made on a non-existent account. 3. Student loan? No named companies apply. 4. Mortgage XXXX XXXX? No such mortgage exists. many other questions were pur on other attempts to obtain my disputed file. None apply to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 non-monetary relief
Consumer complaint received 2022-09-13
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:
XXXX XXXX XXXX XXXX account XXXX, In accordance with the Fair Credit Reporting act XXXX Account # 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 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 explanation
Consumer complaint received 2021-11-05
Company: CCS Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XXXX XXXX, I sent CREDIT COLLECTION SERVICE a letter about a error concerning a alleged debt of XXXX. I rescind all payments on the above-listed alleged debt that were paid to you as they were in error. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You illegally collected the above-listed alleged debt and took payment on a debt that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. Finally, send a check payable to me for the {$140.00} paid to you in error. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information thereto. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation