BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
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:
went to the car dealership they said that only XXXX would pull my credit. Instead there was a lot. 
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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Exeter Finance Corp.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Exeter Finance is sending me emails related to one of their account holders " XXXX XXXX '' - I am not XXXX XXXX and do not know any XXXX XXXX. 

I emailed them. I also called them. When I tried to explain this to the account representative, he advised that they can not delete my email from their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was offered a credit card from AMEX with XXXX bonus XXXX Skymiles miles if I spend {$1000.00} in the first 3 months of getting approved. I accepted the offer and was approved for it. I met my {$1000.00} charge in the first month of receiving the card. After 4 months of not receive the skymiles I called AMEX. I was told that I had an account 3 years ago and do not qualify for the offer. I WAS OFFERED THEN APPROVED FOR THIS PROMOTION. I believe there is false advertising, bad faith, and poor business practices in tricking consumers to obtain AMEX credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Independent Savings Plan Co.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On or about XX/XX/XXXX a XXXX XXXX came to my house and installed a water softener system and told me that they have in house financing for their systems and it would only be {$70.00} a month for 96 months with no interest or fees. I was never given any account information or terms just a yellow paper receipt with the cost of the machine and the additional price for the platinum maintenance package. The technician had a little cell phone that I signed the installation agreement but I only signed that XXXX thing. I started to immediately have issues with the water softener system and tried multiple times to obtain assistance in repairing the issues. The original company ( XXXX XXXX ) never followed through, falsely changed their address with the XXXX  and won't honor their part of the deal and when I did speak to a representative I told them I wanted to cancel the contract and have them take the machine back, at which point they informed me they don't hold the money part - it was a CREDIT CARD!!! ( not what I was led to believe at all ) and I would have to dispute it with the credit card company ( ISPC ). So, on XX/XX/XXXX I sent ISPC a letter disputing the validity of the debt since I was never told I was opening a high interest, low balance, incurs monthly fees, credit card. I sent ISPC a letter of refusal to pay, requested that they stop contacting me completely by phone or text, and disputed the validity of the debt. On or about XX/XX/XXXX - ispc sent a response that included an agreement that they would not communicate with me via phone or text. They also sent copies of the alleged agreement with my alleged signature - however, every single spot is the exact same signature. The technician from XXXX used my first signature for the original contract to fraudulently apply me for this credit. After this letter from them arrived, they continued to call me and leave voicemails and refused to remove the info from my credit report. On XX/XX/XXXX I received another letter that is the opposite of their first response but still does not solve the fraudulent opening of this account problem. I have already reported the XXXX XXXX XXXX to the XXXX  and the attorney general for fraudulent and deceptive practices and neglect of follow through for their unkept promises. I am still getting phone calls from ISPC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For years 2 debt collectors have been trying to recover a false debt from me. I have checked my credit report multiple times over those years and the debt never appears and my identity has never been compromised. These so called debtors do not have my full correct name, and claim the charge is for purchasing gasoline in Nevada. I live on the East coast and have not owned a car in 20 years. Somehow these companies have my mailing address. The first company that approached me on this was : XXXX XXXX XXXX, XXXX Disputes Department XXXX XXXX XXXX XXXX, XXXX XXXX After sending them a registered letter informing them of all the reasons they have the wrong person, I reported them to the Consumer Financial Protection Bureau. Shortly after I started getting letters to collect the same debt from : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX I sent this company a similar registered letter, telling them if they bought the debt from XXXX XXXX XXXX that I had reported this in 2016 to the Consumer Financial Protection Bureau. XXXX XXXX XXXX via Resurgent Capital Services ( XXXX XXXX XXXX, XXXX, SC XXXX ) recently sent me a lengthy request for proof of my identity theft ( which never happened ) and asked for more information about my identity. This is screaming RED FLAG to me, and I believe these false companies posing as debt collectors are actually the identity thieves. I will not be replying to XXXX XXXX XXXX any further, and instead I am sending this information to the Consumer Financial Protection Bureau hoping they will pursue this false, predatory claim. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Attached is a police report for proof the following credit card accounts thats currently listed on my XXXX and Equifax credit report are not my credit card accounts : XXXX XXXX XXXX XXXX {$360.00}, XXXX XXXX XXXX {$610.00}, XXXX XXXX XXXX, {$330.00} and XXXX XXXX XXXX, {$340.00}. All of the hard inquiries currently listed on my Equifax credit report are not my credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Block, Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
At this time, CashApp, by way of evasiveness in communication, refuses to acknowledge that I am the owner of a cashtag, $ XXXX. I have mailed them the information with a notarized statement as to my being the person behind the hashtag. They have not responded, which means that they are ignoring the matter or refusing to acknowledge this issue to the point of resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Account # XXXXXXXX XXXX XXXX and Inquires from XXXX  XXXX and XXXX XXXX is incorrect and unauthorized accounts on my credit report. Id like a full investigation on these accounts and ask for an original copy of an agreement with my signature on each account, Thanks.

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 2022-05-20
Company: EQUIFAX, INC.
State: IL
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  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 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 2022-08-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX IS OVER THE REQUIRED TIME FRAME TO RESPOND TO MY REQUEST. BY LAW ANY ACCOUNT REFERENCE MUST BE DELETED FOR FAILURE TO ADHERE TO THE FCRA LAW. SEE SAID ATTACHMENT FOR VALIDATION OF DELIVERY AND REQUESTED INFORMATION. UNDER THE PENALTY OF PERJURY THE MUST ADHERE TO THE FCRA. 


MAIL XXXX RECEIVED AND SIGNED FOR XX/XX/12

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: LEXISNEXIS
State: MN
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:
Lexisnexis I want to first or foremost warn you that myself and  XXXX are in legal Ligation aka lawsuit. You should not be interfering in any pending legal matters. Number one your violating a court order and legal matter! Number two your violating the FCRA for improper use of my credit report I have never asked you to  conduct any investigation on behalf of myself XXXX  XXXX or anyone I came to you directly and only you! I have reached out XXXX  XXXX and their attorney after receiving notice of a change to the XXXX credit report! Awaiting their response! Lexisnexis If their attorney or them come back and make one mention of your name making any changes to the credit report I will be left with no choice but to bring legal action against you! This is unlawful and very unprofessional on your behalf! I have attached proof via the CFPB that you were the only one who did this and I demand you to remove the information from XXXX until after trial! Would be the right and best thing that you could do! Or face the serious consequences! I have also attached the letter that you sent via US mail stating that you contacted XXXX and this information will be used against you! I will always notify the courts and my attorney letting them know that a 3rd party vendor lexisnexis has interfered in a pending legal court Proceedings!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/2XXXX I sent a letter to the courthouse asking them if they report bankruptcy to the bureaus, they responded with a letter saying they do not report to any reporting agency. If thats the case how was this account verified? This further explains that there was not a fair investigation but ion according to USC 15 181 sec 603 E states. The term investigative consumer report and portion thereof. .. are obtained through personal interviews 15usc 1681 section 602 states that I have rights to privacy 15 USC 1681 604 a section 2

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 2021-04-29
Company: Experian Information Solutions Inc.
State: UT
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 have been trying to get in contact with a creditor that is listing a charge off on my credit. XXXX is reporting a charge off with a balance of {$57.00} and i have called a lot of different places in attempt to settle this debt with no success. Apparently XXXX no longer services XXXX credit cards and i can not find any contact information for them. This account is affecting my credit scores and i need to be able to settle. I want to settle but if this company no longer exist who do i pay?? I'm not sure what to do and am requesting that the bureaus remove this debt from my credit file.

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 2020-12-02
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a final payment on my loan on XX/XX/20. This payment has been held in " Funds Held In Suspense '' and has not been applied to my loan. I have now received a late payment notice due the fact they have not posted the payment to the loan. This will probably be reported to the credit agencies. I am due a refund of the excess payment over the remaining amount due and the escrow balance. I have contacted Flagstar Bank at least 5 times and I have been told each time that it would be taken care of. The last time I was told it has been escalated to the highest priority, but nothing has happened. It shouldn't be hard to apply a payment, refund the excess and the escrow balance. Also, you have to sit on hold for a very long time even to get to a so called expert. Somehow, they can send a late payment notice without checking the loan to see that it is actually their fault. Very poor service and they owe me money back. Attached is a copy of the loan payment schedule.

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 2021-02-17
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SYNERPRISE is claiming that I owe them {$410.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 1681XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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 2018-11-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
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:
I've recently checked my credit report and seen that I had four separate hard inquiries from the same creditor for a personal loan. I have sent a removal dispute letter to the creditor and have not received a response or any result on my credit report. 

ONEMAIN - XX/XX/XXXX ONEMAIN - XX/XX/XXXX ONEMAIN - XX/XX/XXXX ONEMAIN - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Resurgent Capital Services L.P.
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:
Resurgent Captial sold my information to XXXX without written consent. This is in attempt to collect a debt that is reporting in various companies on 3 different reports. However, the policy reads as follows. 

We collect personal information to provide our services. We do not sell personal information. If you are a business contact, most of the information we have was provided to us by you or your organization and/or collected directly through the use of our website. If you are a consumer in collection, most of the information we have is provided to us by the current creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. If you are an applicant or employee, most of the information we have was provided to us by you through the application or employment process. For more details on how we use, share, and delete personal information see our Privacy Policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called ICS and informed them this bill was reporting on my credit report, they asked me to verify my Social Security #, They then told me that not the one they show on the account, they ask for my address, and then told me they couldnt discuss the account, then I gave them my date of birth, and then she said Oh Now I can discuss the account with you. I informed her that I never lived at the address they had on file, and the mailing address wasnt mine. The collector tried to get rude and tell me that I still owed the bill, i told her I didnt. I sent them a letter of dispute XXXX and called back XXXX they told me thd anything from XXXX or IC System about this bill ever. This is not my account or bill. ey never received the letter of dispute and I owed the bill, I told her not my bill and I didnt owed, she then told me to fill out an ID fraud account, I then asked her why and how would I fill out a fraud account, when the information they have it not my info except for my date of birth she said then you owe the bill, I called back XXXX they now have my billing address ask them how they get it, the repp got rude and told me to pay the bill. I asked for a manager, who then told me that they had my dispute and I asked him why did they change the address on file to my address on file, they then told me well we will have XXXX verify it,. I demanded he close this out and remove it off my credit and send it to XXXX, He said well I see the account now in dispute. I hung up. I have never ever receive. IO sent them another dispute out on 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 2021-04-29
Company: Experian Information Solutions 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:
On numerous occasions Experian did not do a thorough investigation and refused to and disregard my disputes and demands to take XXXX XXXX XXXX XXXX and XXXX XXXX off my credit report. They are in violation of FCRA ... You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information.You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

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