BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, 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 have a hard inquiry on my experian credit report from a financing company where I didn't get any finance from. It's bringing a hard impact on my credit. It's from XXXX XXXX XXXX. 

In accordance with the fair credit reporting act convergent Account # XXXX, has violated my rights. 

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

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

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 2017-10-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After Equifax compromised 143 million American 's personal information and made them extremely vulnerable to identity theft, and then making the security monitoring offer available only by going onto a 3rd party website to again enter your social security number into cyberspace, making you at risk a second time ... .now they have sent a letter ( dated XXXX XXXX ) stating that the consumer can turn on, turn off temporarily, turn back on temporarily or turn off permanently, the security freeze in order to be able to get a loan for a car, home, new credit card, etc but they have to pay Equifax {$10.00} for the privilege!! Are you kidding me?? Even if each consumer does it twice, {$20.00} x 143 million is {>= $1,000,000}!!! It makes one wonder if they conspired with the hackers to get this done to increase their cash flow!! What the XXXX is the government doing to help people with this???? This is my second complaint. The first one just directed me back to Equifax for more abuse. Then I contacted the Ombudsman who has ignored me for 2 weeks now. I thought this Bureau was suppose dot help consumers, not be complicit w/ organized crime! PLEASE HAVE THE OMBUDSMAN CALL ME! I WILLBE CONTACTING MY SENATOR IN THE MEANTIME!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA
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 am a victim of negative inquiries. I have XXXX negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following XXXX to be removed from my credit report please : XXXX XXXX, XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX FIFTH THIRD BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX AUTO FINANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: M&T BANK CORPORATION
State: MA
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 am a victim of negative inquiries. I have XXXX negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following unauthorized and unaware XXXX to be removed from my credit report please : XXXX XXXX, 2017 Account Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MT BANK 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 2022-03-31
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2020-12-18
Company: EQUIFAX, 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 previously disputed items on my credit report that do not belong to me. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: NY
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 am writing today because I am shocked on how poor attention and lack of investigation Experian, XXXX, and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below inaccuracies : XXXX XXXX XXXX account number XXXX The first error date open XXXX is reporting XX/XX/2021 while Experian and XXXX is reporting XX/XX/2021. 

The second account status Experian is reporting closed, XXXX and XXXX is reporting open. 

The third error payment status XXXX and Experian is reporting collection/ charged off while XXXX is reporting late 120 days. 


The last error credit limit XXXX and Experian is reporting {XXXX} and XXXX is reporting {XXXX}. 
I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G. There has been numerous inaccuracies with this 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 2021-11-09
Company: Experian Information Solutions Inc.
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:
On XX/XX/2021 a final payment for {$8600.00} was sent to the XXXX XXXX XXXX, to date the account has not been reported as paid in full. I have repeatedly asked for the title to date no title. I have made several disputes on my credit report and the account to date remains open. This account was paid in full on XX/XX/2021 it is now XX/XX/2021 and there is no update on 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 2021-11-09
Company: EQUIFAX, INC.
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:
On XX/XX/2021 a final payment for {$8600.00} was sent to the XXXX XXXX XXXX, to date the account has not been reported as paid in full. I have repeatedly asked for the title to date no title. I have made several disputes on my credit report and the account to date remains open. This account was paid in full on XX/XX/2021 it is now XX/XX/2021 and there is no update on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Spring Oaks Capital , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To : The Office of Registered Agent for Spring Oaks Capital , LLC. 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate By : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I called Bank of America onXX/XX/XXXXaround XXXX est to get information about one of their mortgage products. I spoke to XXXX XXXX, and he said he would call me the following day. The following morning, I received alerts from all 3 major credit bureaus that a hard inquiry was now on my credit report from Bank of America. I never authorized Bank of America to pull my credit report, nor did they ask. When I called yesterday around XXXX to have them send me a deletion letter, so I can get the inquiry removed from my credit report, no one would help me.

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 2021-05-12
Company: CCS Financial Services, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit Collection Services is reporting a couple accounts on my credit that need to be removed. I have settled the account and ask that you please remove these accounts rom my credit file. As granted by the FDCPA, I have the right to dispute this account. I am aware that your company has the ability to report this account to the credit bureaus as you deem necessary. Furthermore, you have the ability to remove any account since you are the original furnisher. I have settled this debt with you and am no asking for you to provide a letter to the bureaus stating this account should be removed from my credit file. If i do not receive a response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce this removal, including but not limited to institution of legal proceeding against you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: OH
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:
I sent an initial letter on XXXX this year and file FTC last XXXX and sent a follow up email last XXXX to the XXXX, but received no response. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Credit reporting, credit repair services, 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 have a hard inquiry on my XXXX  credit report from a financing company where I didn't get any finance from. It's bringing a hard impact on my credit. It's from SANTANDER CONSUMER USA. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: OH
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 disputed in XXXX one account that are not mine and another that I was never late on. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: Receivables Performance Management, LLC
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:
Receivables Performance in XXXX, WA has a " Collection/Chargeoff '' placed on my XXXX  credit report. This is my elderly Fathers account which I have settled for him. I sent proof to the collection company but they refuse to remove the chargeoff placed on my credit report. I have contacted XXXX but they will not remove it without Receivables Performance consent.

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 2022-03-31
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I sent Wakefield and Associates a letter asking them to validate the debt I supposedly owe them. I asked for original documents bearing my signature, proof that the statue of limitations hasn't expired and how they calculated the interest and fees and proof they own this debt. On XX/XX/2022 I received a letter from Wakefield and Associates and the information they sent over was unresponsive to my original demands. Not only that, they violated XXXX by sending over my Diagnosis Codes, Medical Record Number, full social security and a lot of other Protected Health Information I NEVER requested. I never signed a XXXX form requesting them to access and send over my medical history. I contacted the original creditor and spoke with XXXX the supervisor she states they never sent that kind of information to Wakefield. They have violated my rights. Please delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: LendingPoint Holdings LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My payments are not being applied to principal according to online reporting. I spoke to representative regarding the issue over a week ago that told me an accountant would review it and reach back out to me. I have not heard back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I sent a validation of debt letter to the company Transworld Systems INC asking them to validate the amount they claim I owe of XXXX and amount is constantly changing on credit report monthly. This company never responded to the validation of debt letter nor have I spoken with this company. They input a comment of being affected by pandemic in which I've never ever had a conversation with anyone in this company. They have also input a notice of dispute on my credit report but still have not validated the debt with me nor have they responded to my letter requesting them to validate this debt. I do not have any contracts of any kind with my signature stating I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have banked with Citibank for over fifteen years. I have two accounts, one on which I am the only signer, and is over fifteen years old. The second is a newly opened joint account on which I am the co-signer. 
OnXX/XX/XXXX, I made a cash deposit of {$7400.00} ( XXXX XXXX XXXX XXXX  XXXX dollars ) to the account on which I am the only signer. 
Thereafter, Citibank placed a block on my account onXX/XX/XXXX, and cited the deposit of multiple checks on the evening oXX/XX/XXXXas a reason for the block. I have ATM receipts which prove that the deposits made were in fact cash, and no checks were involved. My account has been blocked for over a week with no explanation other than the deposit of multiple checks on XX/XX/XXXX, which in fact never occurred. 
And onXX/XX/XXXX, they informed me that they had closed my account, and would be keeping XXXX dollars of my money. The newly opened joint account was also blocked with no explanation as to why.

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 monetary relief