BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: EQUIFAX, 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 have constantly trying to dispute incorrect information on my credit report from these agencies that are not governed by law via myself as well as a credit company and still have yet to see any results. Please rectify said issue, this is grave danger to my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Midwest Service Bureau, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX, Midwest Service Bureau, located in XXXX, KS call me AT WORK trying to discuss a debt owed. I told them I was at work and to stop calling. Then on XX/XX/XXXX, they called me again and I told them AGAIN to stop calling me at work and he preceded to talk over me acting like he did not hear me. My boss then got on the phone and she told them this was a place of business and to stop calling here. He was trying to argue with her and she cut him off stating to him they are NOT allowed to call at work. He again tried to argue, but she told him to stop calling. 

The amount owed is less than {$200.00} - which technically my ex husband owes according to court papers and Midwest Service Bureau was told that also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
40 days ago, I requested that the credit bureaus investigate errors on my credit report. As of today, I have not yet received any response. They should have responded by now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: Experian Information Solutions Inc.
State: MO
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:
My identity has been compromised by theft awhile ago, the after effect still has me compromising with the credit agencies. It's my believe the credit reporting agencies should physically verify any information that report and pass that same information by way of physical documentation to the consumer, if not then the accounts should be blocked permanently and instantly. The following inquiries needs to be blocked from my credit report someone obviously used me information. The following inquiries are XXXX   ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). In addition the following accounts also need to be blocked for the same reason, XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX   ( XX/XX/XXXX ) ( 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 2019-03-20
Company: PHH Mortgage Services Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage Services recently acquired ( XXXX-XX/XX/2019 ) my mortgage from XXXX.

XXXX provided PHH Mortgage Services with a summary of my mortgage and escrow amounts. PHH Mortgage Services in my first payment to them since their acquisition of my account increased the amount of my escrowed amount, applying extra to my insurance escrow and " other taxes ''. However, my insurance had not increased and what " other taxes '' were they collecting funds to pay. PHH told me they were collecting for an escrow reserve. However, when I pushed they told me they were aware of the " problem '' and would be evaluating my account. They also stated that even though XXXX had provided them with my mortgage and escrow summary, they did not follow that report and alternatively collected more money than was necessary. So, they took money from my bank account that I did not owe. I call that stealing and I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, i'm writing today to seek assistance in getting a response from the bureaus about a few accounts im not familiar with and have sent multiple letters to get complete documentation on where they are coming from I sent letters on XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 accounts im concerned about XXXX & XXXX XXXX XXXX XXXX Please if someone can assist me with this i've been trying for months with no response

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 2018-10-17
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:
On XX/XX/2018 I wrote and sent a dispute letter to Experian regarding a public record on my credit file. They sent me a letter today on XX/XX/2018. In the letter it states they verfied the public record as accurate and they will not investigate the item again. Experian did not mention how they verfied this public record. I contacted the bankruptcy court located at XXXX XXXX XXXX, XXXX NJ. They told me they don't provide any information to credit bureaus or 3rd party organizations. They even sent me a letter stating this and made a copy of the letter and I sent it to Experian. Experian is stubborn and refuses to correct this inaccurate information.

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 2019-03-20
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:
I am very disappointed with the companies XXXX and Transunion. I reported Identity theft on the accounts that are reporting, per Section 605B in the FCRA I submitted supporting documentation such as a driver license, social, and the FTC report with the report number, XXXX removed the information within 24 hours from showing on my report, and XXXX  and Transunion refuse to remove the information, and submitted it as a regular dispute, when I stated that it is a identity theft issue, and pursuant to section 605B they must remove this information within 4 business days upon receiving the identitification, and the FTC report. They refuse to follow that rule, they stated they do not follow federal law and regulations, and the follow their own companies regulations, in which regular disputes take 30 days. Its been well over 30 days, they removed the information from reporting, and then it appeared again on my report. Please handle this in a manner that XXXX AND TRANSUNION understand that they MUST follow FEDERAL regulations and not their own. Because it was very hard for me to make them understand that above their companys regulations, they must follow FEDERAL laws first. Please help me in reporting XXXX and transunion to relook through their companies regulations, and follow federal regulations so people like me who suffer from identity theft, do not have to worry about incorrect information reporting on their credit file.

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 2020-11-14
Company: CAINE & WEINER COMPANY, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter dated XXXX from Caine & Weiner ( C & W ), a debt collection agency, claiming that I owed a debt to XXXX account # XXXX, in the amount of {$270.00}. The C & W account # is XXXX. On XXXX, I faxed C & W a Debt Validation Letter to the fax # listed for C & W 's fax # on its letter dated XXXX. I have not received any information from C & W regarding this debt. 

I received another letter dated XXXX from Caine & Weiner ( C & W ), claiming that I owed another debt to XXXX with a different account # than the letter dated XXXX. This different account # is XXXX, in the amount of {$270.00}. The C & W account # was also different than the first account #, C & W # XXXX. On XXXX, I faxed C & W a Debt Validation Letter to the fax # listed for C & W 's fax # on its letter dated XXXX. I have not received any information from C & W regarding this debt either. 

Then I received a third letter from C & W dated XXXX, stating " This account remains unpaid in our system. We would like to work with you to resolve this account as soon as possible. '' The account # for XXXX  is # XXXX, C & W account # XXXX. These two account # 's are the same as the account # 's that C & W listed in the second letter from the collection agency dated XXXX. 

It is a violation of the collection practices act for a debt collection to fail to respond to your verification letter. Not only did C & W fail to respond to both of my verification letters, the agency continued in the debt collection process by contacting me regarding the alleged debt without providing the requested information regarding the alleged debt. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''

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 2019-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2019, I was trying to deposit my traveler 's checks at the Capital One bank branch at XXXX XXXX XXXX, XXXX, NY XXXX, as I was following the Capital One Bank 's online instruction and the instruction from the Capital One 's phone agent. First, I was trying to deposit the checks at the ATM. However, I encountered error with the ATM. I then went to the banker to deposit. The banker had not seen a traveler 's check before and did not know the existence of the traveler check. Then, she consulted with her manager which I felt appreciated. However, her manger 's attitude was that she had never seen this kind of product based on her 3 years financial experience, she refused me to deposit the checks. I told her that it was a chance to learn something new as she was working in the financial business. She was too arrogant to learn and to check with her support desk nor checking the information online. Despite the previous banker shower her the information on the computer when we were talking, she still refused to deposit the checks. Do not know a financial product as a bank manager is one thing but lacking the knowledge and not willing to learn is another. I would strongly encourage Capital One Bank to retrain its employees at this branch properly before they driver more customers away. After all, it's a highly competitive business and there are so many banks to choose from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: ENOVA INTERNATIONAL, INC.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
on XX/XX/XXXX, I applied for a loan with Cash Net. The loan was in the amount of {$2600.00}. After being approved. I gave my bank information to have the money taken out. I received a contract stating Cash Net would take out {$200.00}. I was under the impression it was a month, then the contract stated every 2 weeks. I was mislead!! I took out the loan because of having to have XXXX  XXXX on XXXX XXXX for XXXX. If I did not have the XXXX, I would have lost my XXXX. The facility I had the XXXX did not tell me they did not accept payments until a week before the XXXX. I needed {$2500.00} on the day of XXXX. I have been paying this loan because of fear to mess up and have legal fees. I can no longer pay this loan. I am now on social security, and had been paying since XX/XX/XXXX the amount of {$200.00}. I sometimes would defer my loan until the next week because of not being able to pay my rent. When I read the contract, it stated by the end of my loan on XX/XX/XXXX, I would have pd. Cash Net {$8000.00} ... .I do not have this kind of money. This is highway robbery!! I already paid Cash Net {$2400.00} to date, and on XX/XX/XXXX Cash Net is taking out double payment of {$410.00} out of my bank account. I am the sole provider. I have no one. I've already made 12 payments, and can no longer do this!! Cash Net is charging 185.11 %. Taking advantage of someone in desperate need of a loan. I realize Cash Net must charge interest, but 185.11 % is crazy!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked a flight on XXXX  XXXX  with a citibank credit card. The {$560.00} flight was XXXX to XXXX for XX/XX/2021. XXXX  cancelled the flight. They refused to refund the charge and only offered a voucher which I refused. 

I filed a complaint with citibank, escalated to the executive response unit. It has been months and they refuse to issue any credit to my account. They have stopped updating me with any information.

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
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: MS
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:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX XXXXo check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my 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 2019-01-28
Company: EQUIFAX, INC.
State: FL
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 recently had my identity stolen. I attempted to notify all credit buries via phone and fax of the incident. My information was obtained and used to open many fraudulent accounts. I request that all the fraudulent information be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT AND I NOTIFIED EXPERIAN THAT THERE IS A ACCOUNT ON MY REPORT BACK IN XXXX, ( XXXX XXXX/XXXX ) THAT I DONT OWN OR OWE I REQUESTED IT BE BLOCKED FROM MY ACCOUNT SENT THE EXPERIAN CREDIT BUREAU ALL REPORTS AND POLICE REPORT FOR IDENTITY THEFT, THEY TOOK IT OFF OR BLOCKED IT AND NOW THIS MONTH IT WAS PUT BACK ON MY REPORT, I CALLED THEM UP AND SAID WHY IS IT BACK AND THEY CLAIM THE COMPANY CALLED IN TO UN-BLOCK IT. SO THEY DID. THIS ACCOUNT IS NOT MINE AND DEMAND IT BE REMOVED FROM MY FILE IMMEDIATELY, AS I AM NOT PAYING IT OR RECEIVING INVOICES AND IT IS NOW SHOWING LATE AND HURTING MY CREDIT, WHEN IT ISNT EVEN MY ACCOUNT. SO I WANT THIS ACCOUNT IMMEDIATELY BLOCKED FROM MY CREDIT FILE.

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 2020-08-23
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to 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. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never lived here. I sent four ( 4 ) certified mail notices and two ( 2 ) emails with a sworn affidavit and a FTC Identity Theft affidavit and I am still constantly harassed for a debt that is not mine. I lived in New York at the time of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: EQUIFAX, INC.
State: VA
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:
My credit card recently saw its credit limit raised from {$500.00} to {$2500.00}. The credit card bureaus show that I have an outstanding balance ( {$190.00} ) too high for my old lower limit ( they like it to stay under 1/3 ), causing a temporary hit on my credit score. I tried to fill out a " dispute '' to alter my credit limit but failed after trying maybe 5 times. Please help! 

So, Equifax and XXXX  These agencies are self-appointed masters of our economic lives and I'd like to know by what right they even exist ( but that is another issue ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid of my car loan in early XXXX. I received my new car title with the lean released in late XXXX. 

My credit report still reports a balance and that the account is active. This is not the first time Ally has fallen behind in updating my loan status.

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