BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/XXXX I noticed some unauthorized inquires on my EQUIFAX consumer report. 

On XX/XX/XXXX I informed EQUIFAX of the unauthorized use ( 15 USC 1602p ) on my report, I required EQUIFAX to provide me with actual proof of a wet signature and credit card ( 15 USC 1602l ) with it applying for credit from those companies that EQUIFAX are willingly and knowingly reporting false information on my consumer report. 

I required EQUIFAX to delete these items from my consumer report immediately, they are harmful and detrimental to my personal living mode as well as to my family. 

To Date XX/XX/XXXX, EQUIFAX has yet to respond to the letter sent through the mail. 

I demand EQUIFAX to delete the unauthorized, unverifiable and unconfirmed inquires on my consumer report. Refusing to delete these unauthorized inquires without proof of authorized use will be a liability of willful noncompliance. pursuant to section 616 ( a ) ( 1 ) ( A ) ( B ) of the Fair Credit Reporting Act. I demand that EQUIFAX delete these inquiries from my consumer report or I shall seek for monetary relief due to the harm and stress due to this false information EQUIFAX is reporting on my consumer report. 

XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I require you to delete these unauthorized inquires and update my consumer report, and send me an updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
After Hurricane Maria passed through Puerto Rico, all financial institutions offered a three-month moratorium on their different loans. In addition, it was reported that no surcharges would be charged during this period and that arrears would not be reported to credit agencies.

In my case I did the whole process as indicated by the financial institution and after several weeks they called me and informed me that the moratorium on my mortgage loan was approved and they gave me a date to present me with some documents to sign the agreement. This appointment was canceled until further notice.

Meanwhile, I am in negotiations with another financial institution to obtain a personal loan which I can not obtain due to the low in my empirical. So, I request a report from the credit agencies and it is there that I realize that I have registered three months behind on my mortgage loan. Since then I have tried to resolve the situation with the XXXX XXXX XXXX and XXXX XXXX without any success.

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 2017-07-12
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I 've already emailed Conns 's about not contacting via my cellphone any longer. They will cal repeatedly while I am working and during other personal times. I asked them already to stop contacting via my cellphone but just today they have contacted me 3 times about making a payment that 's only a couple of days past due. I 've tried blocking their numbers but they continue to change their auto dial numbers to get through this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. XXXX, XXXX and TransUnion have failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with 3 credit bureaus. This account was opened fraudulently. I informed the Bank of the issue & provided them with the required documents to block/remove the account via FCRASection 605b. They have failed to block the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need the XXXX removed from my report ASAP. Here is the name of the data furnisher & the account information. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$720.00}

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 non-monetary relief
Consumer complaint received 2022-02-15
Company: CITIBANK, N.A.
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:
Bureau : XXXX Creditor Name : XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry

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 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello I was contacting yall because I went to try and get a car and my was not approved. I'm trying to see how there are things on my credit that is not mine. Can you please take off these accounts. I have contacted the FTC and I contacted the police. I'm doing this on my own behalf. XXXX XXXX, XXXX, and 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 2019-06-11
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In an effort to validate a debt collection account that is being reported on my credit report, I asked the collection agency to validate the debt by sending them a letter via certified mail to the address provided on my report. The letter was mailed on XX/XX/2019 and I have not received a response. They have failed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2019, I tried to transfer money to my friend through paypal but it always asks for a fee.I called customer service and after over 30 min of wait, the agent said you can do it now while on the phone and I can take care of the fee. After I initiated the transfer, the agent told me the fee can not be waived since it is the fee associated with XXXX XXXX XXXX. I asked to spear to the adviser, the adviser told me the same thing. I asked the manager to close my account next Wed after all my fund has been transferred from paypal to my bank. The manager told me he can do that. But after a couple of min my account was closed and I still have two pending transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a call in 2018 about a debt I was supposed to have. I told them this is not mine. Please provide documentation on this debt. I got a few papers from the original company who,, I assume held the debt. I spoke to them a few months later telling them I did not get anything stating I owed them money. They put numerous bad marks on my credit. They told me they would continue until I paid it. I again called them just today,, they told me to file a police report on something from back 4 years ago. And also told me today they will continue to post it on my credit report. Which will not allow me to buy a home or a car. I just want it off my report. I did not have this credit card or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Experian Information Solutions Inc.
State: IL
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:
Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but Experian XXXX  and XXXX are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX  data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
Original Creditor : XXXX XXXX Open Date : XX/XX/XXXX Balance : {$110.00} Reason : Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$550.00} Reason Original Creditor : XXXX XXXX XXXX   Open Date : XX/XX/XXXX Status : OPEN Balance : {$510.00} Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$490.00} Original Creditor : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$11000.00} XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$790.00} Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX GA Open Date : XX/XX/XXXX Status : OPEN Balance : {$1900.00} Original Creditor : XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$2300.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : Discharged Amount : {$0.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : Dismissed Amount : {$0.00}

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 2017-07-12
Company: Aargon Agency, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had   XXXX    XXXX  on  XXXX  the  XXXX . I have many debts from it and make payments every two weeks. Two weeks ago I got a notice from a collection agency, AARGON, stating I am in collections for an outstanding bill of {$40.00} from a   XXXX   XXXX  . Apparently, m  y   XXXX   came from there. The thing is, I have never heard of  XXXX   XXXX  nor have I ever received a bill from them. I contacted  AARGON  and let them know this. I was told my credit will be ruined if I do n't pay the {$40.00}. All I asked them for was a copy of the original bill. They told me I could find it on their web page. I asked for them to just email it to me. I was told, " I 'm not going to do your work for you. '' So, I went to their website and found my account. The orginial bill is not there. There is just a copy of the notice they sent to me. So I reached out to my doc 's office. They had no information other than   XXXX   XXXX   is a company they use. So I contacted  XXXX   XXXX . They did not have info but told me they would find out. But they have not called me back. I want to get this resolved, do NOT want my credit affected, and feel I have a right to see an original bill from this company. If I owe the {$40.00} I 'll pay it. But I ca n't help but feel they just check out patients and tack on bills to increase their income. Why else would they not send me a bill? I 'm out of pocket over {$6000.00} on this  XXXX . Yes, I can pay the {$40.00}, but the point is I believe I am being mistreated.

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 2017-12-30
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On my recent credit report, Barclays Bank Delaware has a charge off in the amount of {$360.00}. I did n't receive a notice about it and do n't remember owing them anything. When I attempted to call, XXXX, I was told the account was not with them and given another number which is XXXX XXXX and XXXX. However, I called them on two separate occassions and was told they only handle XXXX people 's accounts, this has been a problem with Barclays, and was provided another number, XXXX. At this number, I was told they do n't handle the account and was given another number, XXXX, which no one answers the phone. I am attempting to get a mortgage to purchase a home and this is the only negative item on my credit report.

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 2022-02-15
Company: Messerli & Kramer P.A.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter from the " law offices of Messerli and Kramer '' on what looks like official letterhead. They inform me that my account with XXXX XXXX has been placed in their collections, I have a court file number, and a file number with their firm. If I choose to pay in installments, I can via their website. They also take checks written out to XXXX XXXX XXXX, but insist I mail it to their firm. 

Additionally, they say that " IF YOU DO NOT EXPECT TO RECEIVE YOUR TAX RETURN IN TIME TO PAY THIS DEBT, we are willing to work with you. '' I made the mistake of trying to find a legal firm in XXXX, MN and putting in the information they have from the letter they sent before realizing that it's probably a scam. After contacting XXXX  XXXX directly and speaking with their fraud expert, I have found out that there is no such account attached to any name I have ever used and that if I was in collections on a XXXX  XXXX account, they would have sent me mail directly. 

The weird part is that the legal firm does exist, it does an excellent job of looking and acting like a law firm. I'm pretty good about spotting scams, but this one is over the top in making it seem legit. 

Talk to the company named in the lawsuit. Their fraud department helps for free with no legal fees. It will save you a lot of nightmares.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: SLM CORPORATION
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My account right now is in deferment. I have been making payments and I noticed my overall amount I owe has gone up. I looked into it and saw they upped my interest rate to 10 % on my lower loan. I had no idea. My loans are in deferment because I 'm currently in school and they increase my interest rates during this process. These rates are so high I will never be able to afford these and they did all this as my loans were in deferment, making all the money I have been putting down completely pointless. They are trying to make this impossible for me to ever pay back. They can not increase my interest rates whenever they like to such high amounts that I cant even afford anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/19 I pulled my credit report from XXXX XXXX to discover I have a " mixed file ''. There is another person listed under the Equifax part of my report, along with inquiries and loans which do not belong to me. I attempted to resolve this through Equifax, but since I have a mixed file, they can not verify any of my information or allow me to file a dispute. 

*I attached a copy of the credit report, and everything on it does not belong to me. I also attached a copy of the personal information reported under Equifax, which is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around XX/XX/2012 different companies under different names started calling my about a debt. Im not sure if it is a loan or credit card. My name is pretty common so I figured it was all a misunderstanding or identity theft. I tried to explain the company the person that owed them the money was not me. They kept calling repeatedly several times a day, they even harassed my partner and family to collect the debt. I even lost a job because of the derogatory mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 contacted Trans Union and XXXX on XX/XX/XXXX, I spoke with a representative, I explained that there were several inquiries on my report that was not authorized, they asked me to fax a letter to them and to list the unauthorized inquiries. I did that and I received no response and no results. I contacted them yesterday and they told me to do the same thing. A fraud alert has been placed on my account, and they still have all these inquires listed on my credit report. XXXX was the only credit bureau that worked with me to remove these inquiries and to issue a fraud alert.
<P/>
I have been unsuccessful with Trans Union and XXXX, I sent letters to the agencies who placed inquiries on my report, no response, I asked Trans Union and XXXX to identify if the information was correct, no response.
<P/> Both of these agencies have are reporting double inquiries from the same Company within 30 days of each other. The companies are listed below.
<P/>
Trans Union : XXXX was authorized but only once, they have it listed twice on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX was authorized once but listed twice on XX/XX/XXXX and XX/XX/XXXX.
XXXX was not authorized at all on XX/XX/XXXX XXXX XXXX was not authorized at all on XX/XX/XXXX or XX/XX/XXXX XXXX was not authorized at all on XX/XX/XXXX or XX/XX/XXXX XXXX XXXX  was not authorized on XX/XX/XXXX XXXX XXXX never authorized XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX never authorized XX/XX/XXXX, XX/XX/XXXX ( address was incorrect for me ) XXXX XXXX  never authorized XX/XX/XXXX XXXX XXXX XXXX XXXX never authorizedXX/XX/XXXX XXXX XXXX not authorized on XX/XX/XXXX ( only authorized once on XX/XX/XXXX ) XXXX XXXXs not authorized on XX/XX/XXXX ( only authorized once on XX/XX/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 2017-12-30
Company: Francy Law Firm, P.C.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The language on the XXXX XXXX XXXX is threatening. It states in part "a bench warrant "will" be issued for your arrest" which was highlighted in yellow marker. I cannot believe that XXXX XXXX XXXX Attorneys allow their collection attorney to use this kind of threatening language as a scare tactic to make someone pay considering the FDCPA "least sophisticated consumer" language should apply. This is a classic definition of a "least sophisticated consumer" This was originally a $XXXX  CC for an XXXX yr old kid when she opened her bank account. The debt now states she owes$XXXX.   She had tried to work out payment arrangements with XXXX XXXX. And was successful in making some of the payments but school, and job constraints made it difficult to keep current. This complaint is against BOTH XXXX  and FRANCY LAW FIRM XXXX XXXX XXXX Atty Reg# XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX  phone # XXXX- Case#XXXX There is scheduled for appearance hearing XXXXXX18.- Law Firms, Banks, Credit Union, et.,al. should not be allowed to use this or any kind of language that threatens a person with incarceration because of a money debt. This language caused a serious physical and emotional stress in XXXX XXXX because although she has a fulltime job she does not make enough money nor does she have the money in saved to pay the debt and she was fearful of going jail.  This scared her to death and know one should be scared that their freedom is going to be taken away because they have the inability to pay a debt.

Company response to consumer: Closed with explanation