BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
Company: EQUIFAX, 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:
As of XXXX XXXX, XXXX, ive sent three letters each to the credit bureaus ( Equifax, XXXX and XXXX ) trying to resolve multiple negative student loan accounts on my report. The Credit Bureau 's ( Equifax, XXXX and XXXX ) are neglecting to verify the accounts properly to determine which ones are duplicates or original.. All of the loans in question have been consolidated since XXXX and is in good standing ; but the negative accounts that are being reported are hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: Southwest Credit Systems, L.P.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX date:XXXX-fraud XXXX XXXX XXXX XXXXXXXX XXXX-fraud XXXX XXXX XXXX XX/XX/XXXX - {$720.00} never had a account with this lender XXXXXXXX XXXX  XX/XX/XXXX victim of fraud never open this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Kriya Capital, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke on the phone on multiple occasions with XXXX XXXX XXXX/XXXX account representatives regarding the final bill I received in the amount of {$420.00}. 

Here is what transpired that led to the billing issue : 1 ) I called on Friday XX/XX/XXXX to cancel my XXXX  service at the end of my 2 year contract period which would be XX/XX/XXXX. When asked why, I said it was too expensive and we did not watch very much. The agent on the phone offered to greatly reduce the price and add XXXX XXXX. I said my family does not watch XXXX but might be interested in XXXX. After further discussion I agreed to accept continued service at a significantly reduced monthly cost plus the addition of XXXX coverage. At no time in this call was I informed I would be entering into an additional contract period. Nor was I informed that I would be losing XXXX coverage. 
2 ) That weekend, I discovered that I had lost XXXX coverage. On the next business day ( i.e. Monday XX/XX/XXXX ) I called back and said that the changes were not what I had expected and I wanted to go back to what I had originally intended which was to cancel my service at the end of my two year contract period XX/XX/XXXX. The agent tried to talk me out of it but I felt like I had been misled and did want further dealings so I was firm and said cancel at the end of my two year original contract. 
3 ) On Monday XX/XX/XXXX, I received an email from XXXX XXXX XXXX that was an order confirmation for the service I had agreed to the prior Friday. Their position appears to rest on that email informing me of my contract being extended. But their position is ludicrous since I canceled the order the same day i.e. the very next business day after I learned XXXX had been deleted. 

They have sent the bill to a collection agency who is contacting me repeatedly. I have let the collection agency know what transpired but they just sent back a response simply saying they contacted the creditor who maintains that I owe the money. They did not conduct any independent review of the validity of the amount being collected. 

This is false billing and I will not pay the early cancellation fee. I am concerned, however, that they will file a report with the credit agencies and damage my credit. Your assistance in the matter would be greatly appreciated as they clearly have no concern with maintaining fair and reasonable billing practices. 

I have also contacted the FCC regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: IA
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:
XXXX, XXXX XXXX, XXXX BANK In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The credit bureaus stated the accounts listed at the top of this complaint were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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.

According to the law 15 U.S. Code 1681I- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
XXXX, XXXX XXXX, XXXXXXXX XXXX In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The credit bureaus stated the accounts listed at the top of this complaint were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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.

According to the law 15 U.S. Code 1681I- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2015-06-16
Company: Receivables Management Partners, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Obtained a credit report and after noticing XXXX collection agencies reporting me for an alleged debt I sent a validation of debt letter requesting more information and proof of the alleged debt. I have received NOTHING. I need to know or they must remove this item that is negatively effecting my credit score.

Company response to consumer: Closed
Consumer complaint received 2020-11-05
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 sent a valid FTC report to Equifax, XXXX  and XXXX. XXXX  and XXXX  immediately fixed the problem, but Equifax has not responded at all. This is frustrating as I am very responsible with my credit. The account does not belong to me and should be investigated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter in the mail from Penn Credit ( ID Number : XXXX ) on XX/XX/XXXX stating I owe a balance of {$160.00} from XXXX XXXX XXXXXXXX XXXX  ( account  XXXX ). However, when I called the original merchant/creditor, they state there is no record of a balance being owed nor did they solicit Penn Credit to collect any debts. This balance was paid months ago ( payment confirmation : XXXX ) after I closed out the account with the XXXXXXXX XXXX XXXXXXXX prior to relocating to XXXX, FL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Avadyne Health Holdings, Inc
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I verified my information with them last week ( Thursday XX/XX/XXXX ) and told them that the account would be paid this week. They acknowledged all of this. They then called a relative to try to find me even though they already knew my information and I had verified it with them. Since they already had this information, verified by me, they had no right to do this, and I consider it harassment, and it is specifically in violation of the Fair Credit Reporting Act to contact a relative for any reason other than the already confirmed information. 

On top of that, and the main reason I am filing this as a complaint, is that the calls came today ( Wednesday XX/XX/XXXX ), after I used their online portal to schedule an online payment for Friday XX/XX/XXXX for the full amount of the debt yesterday ( XX/XX/XXXX ) as agreed upon with them previously, so they are harassing me for a debt that has already been settled, again, in violation of the fair credit reporting act. 

Attached is the email confirmation of the payment, along with the call logs from my relative 's phone dated after the scheduled payment acknowledgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX which was made on XXXX XXXX2016. I checked my credit report, which I acquired from XXXX. I have contacted XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter,

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 2022-08-30
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for a loan modification in XXXX of 2022. I called the bank 2 times a week for the past 5 months. Every time I call they give me a list of documents missing. Each list has nothing to do with the prior list that I submitted. Once they get all the documents they need then they come back and ask for updated bank statements. After I send that in they make an excuse that a page or 2 was blurry, then they ask for an entire new list which again has nothing to do with the bank statements. One more example is they asked for a Profit and loss statement. After months of sending updated docs and even this profit and loss they recently stated they wanted the profit and loss one month at a time not all 3 months together. It seems they are doing everything in their power to stall this process out and take my home in a foreclosure. We have gone to court on this matter as well and the court has moved the sale date 2 times. The attorney for the bank has not been helpful at all, although in court he is very nice and states he will try to help ; but outside of court he has been rude and unhelpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, 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:
Accordance with the Fair Credit Reporting Act Convergent Account : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S, C 1681 section 604 A. section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Why bother claiming that you only provide the most accurate and verifiable information if you really dont? I requested proof of payment history. Where are they? You dont keep accurate records, do you? Let me tell you, according to the FCRA, you cant ignore a consumer 's request for an investigation ; you actually have to do it and send the results within 30 days. Your time is up and you didnt do your job. Take this off my file!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: CA
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:
This is NOT a Duplicate Report and this is NOT submitted by a 3rd party. In accordance with the Fair Credit Reporting act XXXX these accounts below 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 1. Account Name : XXXX XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX 3. XXXX ( XXXX XXXX : XXXX XXXXXXXX XXXX ) Account Number : XXXX 4. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX V ) Account Number : XXXX 5. Account Name : XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account Number : XXXX 6. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 7. Account Name : XXXX Account Number : XXXX 8. Account Name : XXXX Account Number : XXXX 9. Account Name : XXXX XXXX Account Number : XXXX 10. Account Name : XXXX XXXX Account Number : XXXX 11. Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Bread Financial Holdings, Inc.
State: NY
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. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2019, I applied for and was approved for the HSBC Gold Mastercard. I was sent and received the card, but HSBC closed it in XX/XX/2019, because they stated they tried contacting me, to confirm I opened the account. I spoke with the fraud security team, because they were the ones who closed my account. They sent me an e-mail, asking me to reply back with a picture of my license, for verification to reopen my account. I e-mailed a picture of my license immediately. I called again and they said they were reopening my account and sending out a new credit card. I never received it. I consistently kept calling and getting the same response. " We sent a message to the onshore team, they are responsible for sending out another card ''. I even spoke with XXXX in the HSBC XXXX branch, in XX/XX/2019. She called HSBC offshore team herself and they said they mailed a new card to me back in XXXX. She called again and got an e-mail in mid XXXX. The Onshore team stated they are sending in the new card via XXXX XXXX. I never received it. I am now back to calling every day with fake promises of call backs from managers, or hearing " We sent a message to the onshore team, they are responsible for sending out another card and we haven't heard anything from the team ''. I call almost every day and get these responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: IA
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:
XXXX, XXXX XXXX, XXXXXXXX XXXX  In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The credit bureaus stated the accounts listed at the top of this complaint were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

According to the law 15 U.S. Code 1681I- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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