BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: DE
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:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THIS IS XXXX XXXX!!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY doing anything for me. I'm my own natural person so please don't play those stall tactic games. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As a consumer these accounts on this letter must be deleted immediately, and by that I mean ASAP or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. I have not supplied proof under doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, XXXX, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. I want you to XXXX out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140. I also want compensation in the amount of {$1000.00} per violation for all the damages that I received to 15 USC 1681n .I did not consent to, authorize nor benefit from any of the following accounts. Block and remove them. FAST! 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
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:
many inaccurate accounts such as ( XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) are reporting under my equifax credit reports, i have been disputing these many fraud and inaccurate accounts for the longest times, but equifax has not been helpful at all, they either do not dispute it or they provide a false confirmation numbers, please as consumer i need your help in order to have these accounts removed from my equifax credit reports thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: MA
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 XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX, ACCOUNT # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX # XXXX XXXX. 


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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Santander Consumer USA / join in on the class action lawsuit. 

In 2013 i purchased a car through XXXX and they provided me with santander consumer, i knew nothing to be wrong with this bank besides the facts that my car loan came up to be {$20000.00} and in 2 years i paid off {$7000.00}, but within my 3rd year its like i could never get under that {$13000.00} mark and i was trying to figure out why, just couldn't figure it out, until now recently i just found out that they just had a loan suit against them about the same thing i went through, they also repoe 'd my car and left me stranded at the movie theater and if this was unlawful i would love to atleast get my credit back to a good standing so i can get another car cause now that is all they see is a repo. i was just curious about what i need to go through to join this action? 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX , NC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Southwest Mediation Service
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was called by XXXX XXXX  XX/XX/2020 from southwest mediation service, stating that i'm directly involved in a potential civil suit for delinquent payments to XXXX   XXXX XXXX XXXX XXXX. He said that i was being sued for {$2100.00} and they would settle for {$790.00}, and if i paid them today and emailed me a document to sign he had my social and my old address, and said that if we didnt settle this today it would be taken to court. It scared me, so i signed the document and tried to pay the amount. My bank stopped the charges because they said it was a fraudulent charges and after i saw that i started researching online, and found out there was a bunch of people who had been through he same thing with this same company and person. I recieved another phone call by the same person on XX/XX/2020. On XX/XX/2020 a XXXX XXXXXXXX XXXX   calls me from the same company stating this is not a scam and i needed to pay this or it will be taken to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Diversified Consultants, 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:
I have sent a debt validation request to them and have not received any response. This debt is not valid. I had issues with XXXX and this account never should've been sent to collection. I do not owe them the amount that they are indicating. I had major issues with this account from XXXX and unauthorized charges. I would ask that they remove this account from my credit report and send the account back to XXXX so I can deal directly with them. I have been harassed by Diversified Consultants for a long time now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22
Company: LJ Ross Associates
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This complaint involves a utility, XXXX XXXX, in New York, and their collection agency LJ Ross Associates in XXXX XXXX XXXX Michigan, XXXX XXXX XXXX, XXXX MI XXXX ( XXXX ) XXXX. 
I have a stellar credit record, always paying my bills and have no late or bills in default. 
I had moved to an apartment building and was disputing charges that were inappropriate to my account with the utility. The basis for my complaint is that after a few months, I actually moved out of the apartment but was being charged by the utility as if I lived there. The charges were several hundreds of dollars monthly based perhaps on another tenant 's prior usage but not my actual usage. XXXX  XXXX - without any notice to me - sent my account to LJ Ross Associates. In turn, and once again without ANY NOTICE to me, LJ Ross Associates put a collection notice on my credit report -- permanently damaging my credit standing for absolutely no reason. I never said that I would not pay the bill, rather the bill from the utility needed to reflect the accurate charges. 
My complaint surrounds treatment of me and complete disregard for the credit rating and score that I have had all of my life, having paid all of my bills without ever being late or delinquent. These are harsh and unforgiving tactics that are undeserved given that I absolutely was intending to pay my bills, as I have for the past XXXX years as a XXXX XXXX client in New York. This shows me that utter disregard and harm has been done, given that collection efforts CAN remain on the credit report for up to 7 years. This is bullying, destructive and cruel, with malice, with absolutely no care for people in a pandemic. I will also state I closed my XXXX XXXX account and moved out of state ; however, my email and phone and all contact information was readily available and in the possession of XXXX XXXX and its collection agency. 
I am hoping with this complaint that an investigation take place and that these firms institute corrective measures to 1 ) provide notice of collection referral prior to damaging an innocent person 's credit report ; 2 ) request and strongly encourage LJ Ross Associates to remove the collection activity from my credit report to be permanently expunged since it was there wrongly and without ANY justification and notice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are a few accounts on my credit report I do not recognize

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 2017-09-13
Company: ASG Solutions LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
ASG is a collection agency and they contacted me for a debt from XXXX XXXX. I had already sent XXXX a letter to cease and desist. 
I received this call from XXXX XXXX of the collection agency. He was asking me questions really fast but would n't let me answer. As I was asking him to not call me again at work and that I had an attorney, he said what kind? I said a bankruptcy attorney. He then started accusing me of filing falsely for bankruptcy and paying my attorney with the funds. I could n't get a work back in. He then said, thanks for saying all of this on a recorded line and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I called this XXXX XXXX to pay off my accounts. The manager refused to give me his real named and said his business name was XXXX. He refused to send me a letter stating that he would remove these accounts from my credit report and claimed he could only verbally say it over the phone. I stated several times that I would pay him in full once I received the letter but he refused every single time. He threatened to take legal action and I told him I wasnt afraid to see him in court and explain to the judge that I tried to pay several times and he refused to send me a letter. After several minutes of threats for legal action, I asked him to please send me the letter so I had proof or to stop calling me. He once again refused the letter. He again refused his real name and said his business name was XXXX. I want to pay and he made it very difficult. I do not understand why they wouldnt want to work this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Controlled Credit Corporation
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As per my last complaint a collection company called Controlled Credit Corporation sent me a letter stating I owed money to XXXX XXXX XXXX. I called XXXX XXXX XXXX again to confirm I do not have debt with them, or any XXXX facilities. I was also told that XXXX  does not due business with Controlled Credit Corporation and have never heard of them. I have Never been to XXXX XXXX XXXX, no claim has even been submitted to my medical insurance by any XXXX facilities for this amount of money. I also called my health insurance I check if I ever had an claims from this hospital in the past 7 years and nothing was or has been filed. I was assured I do not have any outstanding debt. Controlled Credit Corporation is trying to fraud me. If they continue and place a fake debt on my credit report I will hire an attorney and sue. This company needs to be investigated for fraudulent medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: EQUIFAX, INC.
State: SC
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 requested covid-19 assistance from my mortgage company since I am a XXXX XXXX  and was experiencing a significant reduction of hours. I am now on a 3 month unpaid leave. They were able to give me a 3 month forbearance. However, 2 days after they reported to the credit bureau I was notified that my score had decreased by over 70 points. I requested a copy of my credit report and while my payment status was reported as current, I had a negative remark of FOR indicating forbearance. This was the only change on my report. I notified my mortgage company since the Cares Act specifies there should be no negative impact to credit scores resulting from utilizing these provisions intended to help those impacted. I have not had any response from them thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: PENTAGON FEDERAL CREDIT UNION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
PENFED CREDIT UNION has violated my consumer rights, discriminated against me, and discouraged me as a consumer. On XX/XX/2022 I opened a consumer account with PENFED CREDIT UNION and deposited {$100.00} into my savings account over the phone with an employee of PENFED CREDIT UNION. Upon my discovery I had an adverse action letter sent to me via mail from PENFED CREDIT UNION. The adverse action letter stated the following : I can't open an unrestricted account/checking account, all my check deposits will be held for 5- business days, all my deposits will be held for 5 business days, I can't do any ACH transfers and only direct deposits are available. PENFED CREDIT UNION reason behind this action they stated is erroneous and violates many federal laws that protect consumers. PENFED CREDIT UNION reasons for violating my consumer rights came from the consumer reporting agency called XXXX. XXXX has recently been sued with a class action lawsuit for erroneous credit scores of millions of consumers, including me and PENFED CREDIT UNION made their decision to violate my rights based off of XXXX erroneous data. PENFED CREDIT UNION has broken multiple laws from the CONSUMER FINANCIAL PROTECTION ACT and EQUAL CREDIT OPPORTUNITY ACT. I feel so discouraged and discriminated against by PENFED CREDIT UNION. They were willing to accept my deposit but keep me from doing banking for my personal, family and household purposes.

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 2020-12-22
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I requested several times to the 3 credit reporting agencies to remove these false debts and that besides that they were unfair, Inaccurate, incorrect, and UNJUST information, please remove this now its over 5 yrs old, as per California LAW statute passed.4 years for a written contract 2 yrs for verbal contract on collections of medical service debts as per FCRA. They also have violated my HIPPA rights by posting medical information in the medical collection account on the public record for my personal credit bureaus and they have negatively affected my ability to financially better my life and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX XXXX took a payment unauthorized from my BB & T account for {$44.00}. This made my account go into a negative status. At the time I figured my husband and I just had to deal with the mistake with the insurance company. This turned out not to be the case. BB & T put my prevuous debit transactions all out of order ( most that occurred on the XXXX ) and I was charged {$100.00} in overdraft fees and an overdraft fee for esurance. While I had the money for my other charges BB & T refused to refund me my money stating that 3 of my first charges posted after XXXX. My online account did not reflect this at  all. I check my account daily and multiple times. BB & T reordered my transactions from the highest to the lowest resulting in these fees ( with esurance being the highest ). Since then XXXX has corrected the mistake on their end and refunded the {$44.00} while BB & T have said that " if '' they refund my fees it will be up 5 days. They should not be allowed to do this especially with debit card purchases. Once the money is debited I cant touch it. Exactly why I chose to debit and keep an accurate account of how much I have to spend. I have further documentation on my purchases being jumbled up if needed.

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 2021-07-19
Company: CBC Companies, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not provide written or electronic consent to XXXX XXXX XXXX, to authorize a Credit Hard Inquire on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After I found a billing error and requested documentary evidence after an investigation was complete, the account opened by my open end consumer credit plan was CLOSED on XX/XX/XXXX. 

Closed with clarification or documentary evidence of indebtedness. The account was closed on XXXX XXXX and an investigation was started XX/XX/XXXX Pursuant to regulations of the Consumer Financial Protection Bureau under 15 USC 1666 ( d ), a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account. 

I have attempted to resolve this on XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. 

This is not my obligation because I used my charge card issued under my open end consumer credit plan. The obligation belongs to the United States pursuant to 18 USC 8.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
On XXXX I initiated a dispute with the credit bureau regarding unverfied accounts on my credit report. The credit bureau has failed to complete the investigation and furnish me with the results of the investigation. 

I have provided all the necessary documents to the credit bureau for them to accurately dispute the listed accounts. I am now demanding that they comply with my intial dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to emergency room out of town in XXXX XXXX XXXX XX/XX/2021 to XXXXXXXX XXXX my insurance XXXX XXXX XXXX XXXX will pay the claim and have blue cross contacted them re this. But they turned my account over for collections to Wakefield and associates of tn and they are reporting on my credit report that I owe XXXX dollars so Wakefield and associates don't care I don't owe XXXX when they file the claim it may be like XXXX please have this removed from my credit report

Company response to consumer: Closed with explanation