BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: ENOVA INTERNATIONAL, 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 submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: EQUIFAX, INC.
State: PA
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:
To Whom It May Concern : I sent a certified debt validation letter to XXXX XXXX XXXX that was delivered on XXXX/XXXX/XXXX. This letter advised that I recently pulled my credit and noticed a collection from their company. By law, they 're required to validate the debt, not verify. I received a mailing from them dated XXXX/XXXX/XXXX and it was a front/back page copy of a bill from XXXX. This type of information is n't sufficient for debt validation. Especially in the event of identity theft. 

I then sent a certified method of validation to Equifax and the letter requested that they send me proof of all records in their files for the above referenced account establishing the method used to validate debt. I am required this information by law. 

Equifax did not send me such validation of debt. Instead, they sent me an updated credit report, advising the debt has been " verified '', not validated. 

I 've sent the same " method of validation '' letter to both XXXX and XXXX and they 've both, since, deleted the above referenced account from my report. 

I 've attached copies of the letter sent to the collection agency/Equifax, a copy of the documents received by the collection agency and records from XXXX/XXXX showing this same file was deleted by them. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
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: Personal information incorrect

Complaint:
incorrect information on the credit report. Not certain where did they get this information from. The following address and phone numbers belong to someone else and do not belong on the credit report : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these phone numbers definitely belong to someone else and should not be on this credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of those address and phone numbers belong to someone else.

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 2019-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a checking account at Capital One Bank with Internet access to that account. Currently I am traveling abroad ( in XXXX ), which I am doing frequently. As usual, on XX/XX/2019 I tried to access my bank account. But this time instead of being allowed access a new screen appeared ( a copy of it is attached ). That screen gives only two option how to access my account. Both of these options require that the bank sends a temporary access code by a text message to my cell number, which then I will use to complete the sign-in process to my online bank account. Because I do not have a cell phone, I called the given banks help phone number XXXX. There a bank representative insisted that I should be able to receive the temporary access code also by email as was done always in the past from abroad. After we together tried it, the bank representative also concluded that without receiving a temp code to a cell phone access to my account is not possible until I return back to my home address in USA. 

The Bank rep then called someone else at the COB bank and there they told him that the bank recently made a change which eliminated the use of email and caused that without a cell phone registered with the bank and one which is also capable to receive a code by a text message access to the online bank account is not possible and that I should return back to USA to resolve this problem. 

Well, it becomes apparent that COB bank recently implemented this requirement in a TOTAL secrecy without publishing a warning to their customers informing them of this added requirement. I searched the banks online User Agreement and absolutely nowhere online is there a requirement that a bank online customer must have a cell phone which is registered with the COB bank and that cell phone must be also capable of accepting abroad a text message with a temp access code. 

I will be abroad several months and this inability to access my bank account is causing a hardship, because I have to use my bank account in order to pay bills and to transfer funds. In the past the bank did send me the temp access code by email and this their recent secret change to allow access only by those people who have a cell phone capable of accepting abroad a text message, instead of email as past is totally wrong. As far as I know, all other US banks use email for such purposes. Why COB bank would implement such radical change in a TOTAL secrecy without informing customers and without publishing it defies explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I made FIVE purchases from XXXX with by Barclay XXXX XXXX Credit Card, totaling {$4800.00}. All of those purchases coded as purchases - no problem. 

On XXXX/XXXX/XXXX I made a {$5000.00} purchase on my Barclay Arrival Plus Card from XXXX ( same merchant ) - and I was charged {$250.00} for a cash advance.

I contacted Barclay and got a stock response - but no reason why the coding changed all of a sudden and without warning - costing me {$250.00} in fees. This is an unethical thing that Barclay Bank is doing to the consumer, especially considering less than a week before, multiple purchases were made from the same merchant with no additional fees.

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 2021-08-16
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Experian continues to report items on my report that aren't mine. I asked for a validation of those debts over a month ago and they refused to respond. 
1. XXXX XXXX XXXX ( failed to mark the items as disputed ) 2. XXXX XXXX XX/XX/XXXX ( failed to mark the items as disputed ) 3. XXXX XXXX  XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX They have not verified anything. I never gave them permission to furnish these items 1681 ( b ) ( 2 ). Please remove these items from 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 2020-10-23
Company: EQUIFAX, 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 have submitted my name change information to Equifax now three times. Both disputes I filed on XX/XX/XXXX & XX/XX/XXXX have been " completed '' by EFX stating my name change has DONE AS REQUESTED. Neither of these were done. Both times they changed/kept my name to XXXX XXXX which is my old name and the name I have been trying to change. My new legal name is XXXX XXXX XXXX which I have provided, my court documents, passport and drivers license showing the change. This is now preventing me from purchasing my new home on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: ERC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXXXXXX XXXX was notified of identity theft in XXXX and has sent this debt to a collection agency. I have responded to the collection agency before and told them this debt is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I switched phone carriers. XXXX XXXX was supposed to pay out XXXX for the transfer and they never did leaving me over {$1800.00} in debt with XXXX. This is effecting me getting new housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Accelerated Financial Solutions, LLC
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Getting calls about a debt that I settled and paid in XX/XX/2016, I do have the letter that debt was paid in full, told that to AFS and they keep on calling to collect on debt. I told them to send me letter to let me know who they are and when they purchased the debt, they refuse and want me to send them info about me and that I paid, when I told them I will not do such a thing they talk over me, threatening me with the law, than they hang up, this happened three times now and I told them everything has to be in writing, they totally disregard any of this and still keep on calling. I will not send them any info, because I dont know who they are and I still have not received any of paperwork that I asked for. I dont want to take a lawyer but I might not have a choice, so some help would be appreciated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Siggi LLC
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:
This company charged me an high interests and i know its wrong this account was deleted and somehow reinserted back on my credit report. The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XX/XX/2010 it has a balanced of {$4700.00}. I'm aware of the breach that happened to XXXX  and the other credit burears as well, I would like to have this problem solved in a timely manner bc im going on with my federal tort claim suit i didnt consent to alot of things

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been reaching out to all 3 bureaus about this matter going on 6 months about fraudulent activity reporting on my personal report. I have noticed accounts from XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX  that are reporting incorrectly, as well as several inquiries.

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
On Wednesday XX/XX/XXXX I contacted Transunion by chat due to constant issues with logging in and also technical issues once logged in trying to access my report. Per Representative XXXX by chat at XXXX on XX/XX/XX/XX/XXXX the reason for my the isssues is due my account need maintenance and Per XXXX he will escalate this issue which will take 4 business days to fix. I asked if theres a phone # I can call just in case if its not handled. XXXX XXXX theres no # to provide. I took snapshot of the chat for my record. On today XX/XX/XXXX, I tried to access my credit report to see if the issue was fixed so I can check my report and dispute items since Ive paid off numerous accounts. Im trying to refinance my XXXXr for a better interest rate and lower payment but unable to update Transunion. I spoke to XXXX XXXX at XXXX which stated theres no record of any chat or any documentation by XXXX  XXXX XXXX XX/XX/21. I asked for XXXX XXXX. I spoke to XXXX XXXX and informed him that I have snapshot of the chat conversation with XXXX on XX/XX/XXXX. XXXX XXXX, the reason why Im unable to access my record is due to multiple profiles of an out of state area code that companies are reporting on me. This is the first that Ive heard of this! Im able to access my account sometimes and sometimes Im unable due to technical issues reporting but Im able to login theres no out of state phone number listed for me and Ive verified all merchants that I have an account with is correct. I had to file a complaint with XXXX XXXX XXXX XXXXu maybe month or two ago for another issue of incorrect information so they had the opportunity to fix any issues at that time or notify of any discrepancies but nothing was brought to my attention. XXXX XXXX XXXX I have to wait again 7-10 days to see if this issue can be fix. Ive been waiting for months for Transunion to correct & update information. It appears that this is a ongoing issue that no one is trying to resolve! I cant move forward with trying to get better rates or approval due to someone being incompetent and not resolving this issue.

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 2021-08-16
Company: BSI Financial Holdings, Inc.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
RE : ATTACHED 2017 IRS XXXX FROM BSI FINANCIAL SERVICES XXXX # XXXX XXXX : ACCOUNT # XXXX PLEASE BE ADVISED THAT PURSUANT TO THE ATTACHED AGREEMENT THE ATTACHED 2017 IRS FORM XXXX BY BSI FINANCIAL SERVICES IS INCORRECT AS TO LENDER NAME, ACCOUNT # and AMOUNT OF PRINCIPAL OWING. 

TO COMPLY WITH IRS REPORTING GUIDELINES BSI FINANCIAL SERVICES IS HEREBY DIRECTED TO SUBMIT A CORRECTED IRS FORM XXXX WITH CORRECT ACCOUNT, AMOUNT OWING AND LENDER NAME AND TO PROVIDE COPY OF THE CORRECTED TO XXXX AND XXXX XXXX. 

THANK YOU FOR YOUR IMMEDIATE ATTENTION TO THIS MATTER

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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:
Multiple incorrect and unverified accounts and information being reported on my equifax report and incorrect score being reported which caused damage to my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This is about Discover Card taking too high of a monthly deduction from my checking account. I contacted them and asked for a reduction based on my monthly income from social security after being declared XXXX XXXX due to XXXX XXXX, but all they did was lower my interest for 6 months only. I need a permanent reduction in the amount they withdraw every month in order to survive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX - XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-07
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was in the process of selling my home and squatters broke in and started living in my home. I had to have the squatter task force in XXXX XXXX XXXX remove the people from my home. somehow the squarters turned back on the utlites in my name. dispute every effort i could make XXXX  XXXX still sent my account for collection for power that was used and reactivated without my knowledge or consent. I sent my police reports statements of events and XXXX XXXX still sent me to collections

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 2018-01-25
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
This letter is being sent to you in response to a notice sent to me on XXXX18 in response to a listing on my credit under XXXX XXXX XXXX XXXX " XXXX ''. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 

This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. The investigation was shown as verified and there was no information sent to me at all, so how could it possibly be verified? No contracts or signed documents were sent to me at all. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Best Regards, 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 2019-01-04
Company: CREDIT ACCEPTANCE CORPORATION
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:
Credit Acceptance has not resolved the issue of this account. First this account is too old to be reporting my credit. It was closed in XX/XX/2011. Furthermore they are saying that I was late when I never made a late payment. This account needs to be removed immediately. 

Also when reporting a late payment, it should show when I was late. It does not.

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