BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-07
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I NEED HELP PLEASE! I have BEEN TRYING FOR MONTHS NOW! I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe in ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Southwest Credit Systems, L.P.
State: OK
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:
Had a previous complaint with this Company Southwest Credit as to where they were continually harassing a family member at XXXX at all hours using varying numbers. And had been told various times to cease calling. From the previous complaint they are to cease and desist any further contact to me or anyone which they have violated on numerous occasions. Also currently I am in bankruptcy filing proceedings and they need to drop any further attempt to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting 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. 

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 2022-12-12
Company: Experian Information Solutions 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:
I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I've been seeking validation and verification from XXXX regarding a negative account on my credit profile, asking for crucial documentation like an acknowledged agreement and transaction history for the balance calculation. Unfortunately, XXXX has refused to provide any such documentation, yet they've reported this unverified debt on my credit report. Moreover, given that this matter appears to be over the statute of limitations, I believe it's crucial to address this discrepancy. Please assist in forwarding my concerns to the respective companies involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
Hello, my name is XXXX XXXX, On, or around XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX tax return of {$1000.00} & {$830.00}, respectively, went to the wrong Chase bank, checking account number as follows : XXXX XXXX XXXX XXXX XXXX XXXX Also, my IRS tax return from XXXX, which was routed from the IRS through XXXX bank in the amount of {$3300.00}, went to the same incorrect chase bank routing and account numbers as above. This XXXX transfer occurred on our around XX/XX/XXXX. Please note, I have called, sent return requests, filed claims and sat down with a few bank managers to get this matter resolved to no avail. All the proof is very evident that these are my funds and need to be returned to my account immediately with interest. This has been an ongoing and unresolved issue since XXXX of XXXX! 

Please note below the correct bank info., My info is below. 
My chase bank account number, which is where these monies should have been deposited is as follows : XXXX XXXX XXXX XXXX XXXX XXXX  Any other questions, please contact me via email, XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system 15 US Code 1605 " Definition of a FINANCE CHARGE '' OFF XXXX XXXX XXXXXXXX Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission

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 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 SUBMITTED SEVERAL DISPUTES OF INACCURACIES ON MY CREDIT REPORT. I EXPLAINED WHATS INCORRECT AND CB REFUSED TO GET CORRECT AND REMOVE OR CORRECT OFF CREDIT REPORT. ITEMS ARE INCONSISTANT ACROSS ALL 3 CB..THEY ARE NOT OBEYING THE FCRA LAWS AND NOW IN VIOLATIONS..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: IL
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:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mtg company Mr Cooper uses some XXXX party processing company to process insurance claims and they are withholding my insurance money. 

I dont have a contract with the company they use and I never agreed to use another company or allow them to handle My funds. 

I have asked for Specific benchmarks in writing to meet the dispersement of my funds which of course they do not have and refuse to provide. 

My mtg company has a very small % of interest in my house with my loan and I feel as if they are trying to impact my home. 

If there are no clear Benchmarks in writing to be met how can anyone know what needs to be met? I have read numerous complaints about this company and need help now. I have little kids that need a kitchen to eat. And I will not continue the work on my house or come out of pocket when the money they are holding is mine. 

My loan is With Mr Cooper And the company they use is insuranceclaimcheck.com. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I NEED HELP WITH THIS. THIS IS GOING FOR MONTHS NOW! I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe in ever have any relationship with this collection agency or original creditor. PLUS, I've never received the disclosures and required documents that I have requested for months now. I circled the internet and I came across the case attached where the plaintiff asked for the same thing and the company named failed to provide. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1.  Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion and XXXX needs to remove all negative remarks on my credit report. They have violated too many times. 
Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you verbally, written or non verbally per 15 usc 1602, 16 CFR 313, and Privacy act of XX/XX/1974. Remove all negative reports on my credit report immediately. 
Charge off is certificate of indebtedness and must be removed. CFPB has to enforce this act. I will need to be compensated for this which is {$1000.00} per violation as I have requested this to be removed in the past from credit report and still showing on there and I have been affected emotionally because of the stress this has caused me being denied for loans which I shall be compensated for as well.

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 2022-02-03
Company: EQUIFAX, INC.
State: DC
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:
Equifax is furnishing accounts that are not mine! Pursuant to Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ) I am requesting ALL alleged debts to be verified within 72- HOURS of receiving this request or they be IMMEDIATELY REMOVED! Please see attachment for accounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report despite numerous attempts to have them removed. I first became aware of the fraudulent items on my credit report. Since then, I have diligently followed the necessary procedures to dispute these inaccuracies. I have submitted detailed explanations, supporting documentation, and any other required information as part of my attempts to rectify the situation. Regrettably, my efforts have been met with continuous resistance, and the fraudulent items remain on my credit report. This situation is not only compromising my financial well-being but also causing considerable stress and anxiety. I understand the importance of maintaining accurate credit reports to ensure the integrity of financial transactions and decisions. The fraudulent items in question pose a significant threat to my creditworthiness and financial stability, and I can not overstate the urgency of their removal. I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I am seeking clarification on the reasons for the repeated failures to address this issue adequately. I understand that resolving cases of fraud can be complex, but the persistent nature of this problem is deeply concerning. I trust that you will treat this matter with the urgency and seriousness it requires, ensuring a prompt and comprehensive resolution. If this matter is not addressed to my satisfaction withinthe exact timeframe from the date of this letter, I may be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to remove these fraudulent items in my credit file 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 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 2019-09-13
Company: EQUIFAX, INC.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have an on-line Equifax account ( XXXX XXXX   XXXX XXXX XXXX ) to freeze and temporarily unfreeze my credit report. I have a username, password and PIN #. This account did not work on XX/XX/2019, nor did it work on XX/XX/2019. The only way I can temporarily unfreeze my credit report is to call there telephone ( XXXX ). 

I use XXXX 's XXXX browser, which is very commonly used throughout our nation. One XX/XX/XXXX, Equifax told me their website for temporarily unfreeze things was down. I think their website is always down and broken. Try it yourself to see how it does not work. 

Temporarily unfreezing my Equifax credit report is beyone tedious. I have to answer a variety of detailed historical questions. Why bother to have an on-line account??? I think the company purposely makes things difficult to that people will be muscled into using their monthly protection services, instead of using free services that freeze and unfreeze a person 's credit report. The are probably purposely breaking the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I spoke with a customer service representative in Mid XX/XX/XXXX about the excessive fees charge to my account, and she said that she removed about {$70.00} from the account and I paid off the balance in the card. Yesterday, XX/XX/XXXX, I received another bill with a balance of {$140.00}. When I called the company another customer service representative told the previous representative did not or could not really do that even though the transaction was noted in my account. He practically told me I have to pay about {$200.00} fees into my account. Second the company added a fee to the account on XX/XX/2019 when I received the bill on XX/XX/2019. 
In XX/XX/XXXX, not certain of the date another customer representative told me the same thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: ID
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Experian Information Solutions Inc.
State: NJ
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 XX/XX/2021 at XXXX I disputed incorrect reporting on my credit report with Experian . At XXXX received email that investigation was completed and updated. I spoke to someone who's name is XXXX that the dispute remains, while speaking with him I ask for the name and number of the person who his company spoke with, I was told we didn't speak to anyone its was done internally. 
I said how could your company investigate something without speaking to the other company to verify the information is correct and was told that's how its done. 
Experian is committing fraud and lying to the public by taking such action. 
I have a letter from one of my creditors that the incorrect information would be removed. 
I would like for CFPB to have Experian have all of my disputes deleted from my credit report. 
This inaccurate information is causing me harm and stress. 
Thank you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: FIRST HORIZON BANK
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Im 2003 my grandfather XXXX XXXX address XXXX XXXX XXXX XXXX, LA XXXX financier a 2003 XXXX XXXX VIN XXXX. He financed it with Iberia Bank which has changed names to XXXX XXXX then again to First Horizons which is the name its under currently. I went into the bank the first of XXXX and again in XXXX asking for a Loan Satisfaction letter. I was told they word send it to the DMV to check with the DMV in three weeks. I have checked several times and the Lien has not been removed. My grandfather passed away 12 years ago the truck has been on my property since that time. The bank either needs to clear this leon or they can pay me storage for the 12 years it has sat here. This is ridiculous they know the loan was paid if not they would have repossessed it. The bank didnt have to wait for their money they should have cleared it once they were paid. 
My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 am filing this complain over my current payment history and inaccurate utilization on all 3 credit reports. I paid off my XXXX XXXX credit card and my score was lowered by 18 points for not explained reason. I have excellent payment history and for some reason my score is still in the Middle when it should be must higher than it is showing!!

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