BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: LA
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:
The 3 credit reporting agencies have the power to ruin your credit without abs repercussions. I have repeatedly asked them to remove items off my credit report that I know I dont owe. I asked them to remove all those names of my credit report, it hasnt been done, I have asked them to remove addresses that are not mine and they have not done it yet. You XXXX here to protect my rights as a consumer and I feel this is not happening. This has been an ongoing issue for XXXX American people since close ever. Stereotyping me is not only unconstitutional it needs to stop. Youre here to help, but I noticed this is not whats happening. I have yet to receive one piece of concrete evidence in regards to any of these matters. Yet my credit report looks like XXXX, no matter how hard I am trying to clean it up. The huge difference in the scores are unbelievable, XXXX has me at XXXX, Experian has me at XXXX, while XXXX has me at XXXX. Please explain how can this be so off with them, yet everyone uses them for accuracy in getting my credit score. I have tried to call them repeatedly, their customer service representatives are rude, disrespectful and unprofessional. They feel they can do whatever they want because no one has challenged them to the full extent of the law. Enough is enough abs this has gone on for way to long. All Im asking is for you to do your job and help me as a consumer without leaning over to their side. This does not help me. I need this problem fixed right now and I dont want to keep asking. Im a XXXX Veteran with XXXX and a XXXX Citizen my rights have been completely and utterly disregarded.

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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2020-02-26
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: Public record information inaccurate

Complaint:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: TX
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:
On Tuesday, XXXX/XXXX/XXXX at XXXX p.m. central standard time, I called Equifax at XXXX XXXX the number on their website XXXX to request a credit freeze. The lady that answered gave me another phone number to call ( XXXX ). She had said she could not help me, and that this new number was customer service dedicated to credit freezes. When I called this second number, it was nothing but a recording trying to sell services such as cable t.v., internet, etc. 

At XXXX p.m. central standard time, I called the original number again ( XXXX ). I told the gentleman that answered the phone what had happened, and asked if he could help me. He proceeded to read directly from the web page about what my options were. I told him that I had already read and been through those options, and that now I wanted to freeze my account. He ignored me several times as I was telling him that I had already been through those options, and he kept on reading as if I was not saying anything. He ended the call with a scripted line saying, " ok, you do n't have any questions, thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I recently discovered I had {$17000.00} missing in my business checking account. They not only emptied my account, they maximized my overdraft too. I now owe all this money. Somebody used my information to create ACH payments. 

The bank ( HSBC ) informed me they won't be able refund me as it was over 48hrs to notify them. I was over sea 's, that was never possible. Their management have been very helpful in beginning an investigation. However, I am still not protected. What other options are available outside of the banks investigation? ( they are contacting the vendor 's who received the payments to request a refund ). To date, the vendors have not refunded us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: OR
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:
Equifax was hacked and I believe someone stole my information. Have n't looked on their website because if I do I waive my right to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened up a Citibank account in my name and Citibank is not trying to close out Ive been to the FTC are ready I keep this beauty made and they are not trying to remove it

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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX 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 an 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 2017-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
In view of the massive data breach at Equifax, today I attempted to obtain a copy of my free annual credit report from the Company. After supplying my full name, both current and prior addresses, date of birth, and my social security number I received a response indicating that I needed to provide further data so that I could be identified. The data requested was further financial data, including pay stubs, W2 forms and so forth. This information was to be provided by US mail along with a paper request for the credit report. 

I declined to provide any additional financial information to this Company, as it has showed it is incapable of safeguarding my highly confidential personal data. Moreover, I strongly object to Equifax using the obligation they have to provide consumers with a free annual credit report as a mechanism to collect even more, private financial data about people. 

Equifax should provide credit reports online with requiring additional financial disclosure from persons applying for their free annual reports. The information I provided online already was more than sufficient to adequately identify me. Further, there are other ways to confirm my identity, which Equifax already uses, that do not require additional disclosure of financial information. It is simply a falsehood for Equifax to say I need to supply a paystub or W2 for them to identify me adequately. Ironically, only someone who had hacked the Equifax database would posses the personal information about me initially requested, and that I provided in the application for a free annual credit report. 

I wish to obtain a copy of my free, annual credit report without being required to supply any further private confidential financial information to this Company. Equifax should be prevented from using this obligation to provide a free credit report as a way to gather even more financial data from individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
COLLECTION CONSULTANTS OF CAL XXXX XXXX COLLECTION CONSULTANTS OF CAL XXXX XXXX COLLECTION CONSULTANTS OF CAL XXXX XXXX COLLECTION CONSULTANTS OF CAL XXXX XXXX Attn Consumer Fraud Dept. 

I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, : Furthermore Collection Consultants has sent me a bill with a different address than my own from XXXX. 
The bill also had a name I do not know and am not associated with. 
My research show that the insurance for that bill was with XXXX am with and have been with XXXX XXXX XXXX XXXX please see attached docs ) I have always been going to XXXX XXXX NOT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received an denial letter from Comenity Capital Bank. Two problems are : much lower scores than on previous denial letter in XXXX and on XXXX  Website. They are saying my score was XXXX in XXXX. XXXX had my score as XXXX in XXXX and now is XXXX. Lastly, why I need a real estate loan. This will make debt ratio higher. I own house with no mortgage. If I was able to obtain real estate loan, my debt ratio will be higher? I already have a car note. I make {$49000.00} a years. I have been on my job for 17 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSWORLD SYSTEMS INC
State: WI
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:
I used to live in the XXXX XXXXXXXX XXXX from XXXX always payed the rent on time then either the owner sold the property or got a new management team, after that the upkeep on the property was basically nonexistent which caused a XXXX  infestation so i was force to leave they also told me personally that they no longer had the documents from before they bought the property now years later i check my credit report and realize they have been garnishing my wages they have already taken about {$4100.00} and i dont know why please help because I know that im being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: GENTRY FINANCE CORPORATION
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Gentry finance located in XXXX ut is the most difficult company to deal with. They have done nothing except make this loan difficult and unpleasant to say the least they have harrassed me to a point of feeling like a loser i wont answer my phone any longer. They have called my work more than 20 times after my boss told them not call they have harrassed my family members to a point with threating messages to give me and my info on my loan which should be private i borrowed XXXX dollars made every payment but has been late cause i get paid on the XX/XX/XXXX and XX/XX/XXXX and my payment is due on the XX/XX/XXXX if I I had money I would n't have got a loan through them I am struggling I have made every payment of {$150.00} and they add on {$30.00} every month for a late payment they will not change my due date to XX/XX/XXXX I still have to pay my rent or my car payment or my insurance and i have a family to take care of .I have to survive too they are harassing me I ca n't take it anymore please help me. they threaten me to take me to court by tomorrow morning at XXXX XXXX if a payment of XXXX is n't made which I am late making a payment but the XXXX is unbelievably wrong. They are not understanding they are bullies with big mouths i have been in there a witnessed this lady named well i forgot her name she was in charge of XXXX XXXX which has meged with gentry any ways i went in there to pay my bill and she was screaming at this person on the phone and was flipping him off as she was talking on the phone to this person. Its so uncomfortable going in there. They should be arressted and fired everyone of them. I am suprised no one has done anything to them its total evil there. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit systems has reported an invalid debt to XXXX XXXX credit file. After reviewing the documents sent to XXXX XXXX after debt was already reported to his credit file was totally out of line and did not follow the guidelines set by the FCRA. XXXX XXXX should have been notified prior to account being placed on his credit file. Also after reviewing the documents National Credit System sent theres not a signature or agreement between XXXX and XXXX XXXX. XXXX XXXX did not sign or agree to any contract with XXXX. National Credit System did not and can not provide any signed agreements between XXXX and XXXX XXXX. As XXXX XXXX council representative if this account is not removed immediately we will file sue with XXXX XXXX XXXX house accordingly. My firm advised XXXX XXXX to withdraw/ void payment. We also reached out to Elevations XXXX they also agreed there were no contract signed between XXXX XXXX and XXXX. We have reviewed all documents thoroughly and there is no signature or contract between XXXX and XXXX XXXX. Once again we will pursue damages caused by client National Credit Systems if collection account is not remove from credit bureaus. The penalty is up to {$1000.00} per reporting inaccurate information per each credit bureau. National Credit system has used illegal and unethical tactics to collect monies not owed which has damaged XXXX XXXX credit rating. My law firm will see this through entirely. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Aldous and Associates falsely Reported collections on my Credit Report! 
This is not my account, Nor has this company contacted me to prove so!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX compromised my personal identity without my permission. They did n't inform me of it for months, then wanted to charge me to protect my credit. Since there are three major credit agencies, I will get charged at all three of the agencies to freeze my credit information. I am not a customer of any of these agencies, and I do n't want to become a customer. I have a problem with paying for these agencies to protect information I do n't want them to have to begin with and information that they should be protecting as part of there business. 

I would like these agencies to freeze credit records by default and not try to extort money to protect a persons ' credit records. 

Now take this complaint and multiply by millions to get an idea about how furious all us regular people are!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 SUBMITTED DISPUTES TO XXXX AND TRANSUNION ON LINE THAT THERE IS ERRORS REGARDING MY NAME AND ADDRESSES. THE INFORMATION HAVE NOT BEEN REMOVED FROM MY CREDIT FILES. 

WRONG NAME - XXXX XXXX CORRECT NAME - XXXX XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX, TN XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS XXXX MAILING ADDRESS - XXXX XXXX XXXX XXXX, XXXX XXXX, MS XXXX PHYSICAL ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS 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