BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: FL
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. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My sister was recently contacted by a so called " debt collector '' stating that she was over {$2000.00} in debt with HSBC. She asked the company to verify her account number and the account number they had on file did n't match any account numbers she currently has. My sister also checked her credit report and none of the account numbers listed on her credit report matched the number the company gave her. The debt collector that called her is now harassing her by nonstop calling her and leaving her multiple voicemail messages stating that it is in her best interest that she calls them back. They have also threatened to sue her and contact her employer to garnish her wages if she does n't pay them the money owed. Now since my sister is not answering their phone calls, they have now contacted myself, both of my parents, and my aunt to try and get a hold of her. The number that contacted me was XXXX. They left me a voicemail asking for my sister and stated that she needed to contact them immediately. The number they left for me to contact them was XXXX ext XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Reporting company used your report improperly

Complaint:
Hard credit pulls done by several companies without my written authorization that are showing up as inquiries on my credit report and affecting my creditworthiness in a negative way. From TransUnion report : 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 Credit bureaus were notified but refused to remove these hard inquiries on my report claiming there is no need for verbal or written consent for companies to perform a hard credit pull, while being crafty with their responses.

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 2017-08-22
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company National Credit System is reporting on my credit for a debt I do not owe I have sent them paper work along with my ID with my name and dob that do not match what they are reporting on my credit file and they are still reporting on my credit report for {$360.00}. I have also tried contacted the original company who is no longer existing National Credit System can not provider proof that this debt is mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. My social security number is XXXX, I have disputed XXXX items on the following credit reports : XXXX, Equifax and XXXX. XXXXwo of the five were deleted. XXXX XXXX account number XXXX, XXXX account number XXXX, and XXXX XXXX account number XXXX remained. Since XXXX of 2017, I have repeatedly contacted the aforementioned companies and asked for proof that these accounts belonged to me. Neither of these companies provided me with evidence these accounts belonged to me or how they determined these were indeed my accounts. After not receiving proof that these accounts belonged to me I requested that the erroneous entries be deleted. Neither of these credit bureaus deleted these derogatory entries. Furthermore they never stated how these references were verified. I can only conclude that these credit bureaus are refusing to obey the Fair Credit Reporting Act, which states that all entries must be accurate and verifiable. If I ever signed a retail contract with these subscribers, copies should be provided as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. My social security number is XXXX, I have disputed XXXX items on the following credit reports : XXXX, XXXX and Transunion. Two of the five were deleted. XXXX XXXX account number XXXX, XXXX account number XXXX, and XXXX XXXX account number XXXX remained. Since XXXX of 2017, I have repeatedly contacted the aforementioned companies and asked for proof that these accounts belonged to me. Neither of these companies provided me with evidence these accounts belonged to me or how they determined these were indeed my accounts. After not receiving proof that these accounts belonged to me I requested that the erroneous entries be deleted. Neither of these credit bureaus deleted these derogatory entries. Furthermore they never stated how these references were verified. I can only conclude that these credit bureaus are refusing to obey the Fair Credit Reporting Act, which states that all entries must be accurate and verifiable. If I ever signed a retail contract with these subscribers, copies should be provided as proof.

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 2017-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
For the last month I have been trying desperately to get this company to correct my credit report. The file they have on me is ridden with faulty information and I have written to them to no avail. My last letter to them yielded no movement or corrections even though none of the data providers seem to have been contacted by the bureaus when Ive called these data furnishers to verify contact.

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 2022-07-05
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
On XX/XX/2022 the first letter was sent to the 3 bureaus asking for an investigation on the following account " XXXX XXXX '' Account # XXXX in the amount of {$2700.00}. The company that is reporting me is XXXX XXXX XXXX XXXX '' then I sent letter to the collection company asking to please verify this account. No respond was received within the 45 days period after that. Then, on XX/XX/XXXX changes were made to my credit report showing as the account was closed. On the XX/XX/XXXX it was back on my credit report as active. There was No written notice from any of the Bureaus informing me of the result of the investigation. All my communication with them was sent through certified mail and I do have proof that the date that was delivered. I'm requesting assistances in the verification of the removal of the disputed data from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: RFNA, LP
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: Account status incorrect

Complaint:
I currently have an installment loan with Republic Finance. On XXXX XXXX a payment was submitted to them in the amount of {$150.00} and on XXXX XXXX the payment was applied to my account. On XXXX XXXX, XXXX I received a credit notification from XXXX and XXXX which stated that my payment was 30 days past due. I reviewed the payment receipt that was mailed to me from Republic Finance which stated that my payment was received. When I contacted them they informed that the payment system updates on the last day of the month which was XXXX XXXX, XXXX. They informed me that the payment did come in on XXXX XXXX but was not applied to the account until the next day. I then asked them why I was reported as 30 days past due when at the time the payment was submitted I was only 22 days past due. Again they told me that the system updates accounts electronically and that they have no control over it when it updates accounts and submits reports to the credit bureau. I informed them that this has happened in the past and I had to file similar complaints in regards to this type of credit reporting. They reviewed my account and then stated that they were not allowed to talk to me about it. They informed me to file a credit dispute, but made sure to tell me that the credit report wont be changed. I currently have a balance of {$400.00} which I want to pay but I feel that if I submit this payment I am worried that t will not be credited to my account correctly which may cause my account to remain delinquent. Republic Finance has a history of not report account information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2022 the first letter was sent to the 3 bureaus asking for an investigation on the following account " XXXX XXXX '' Account # XXXX in the amount of {$2700.00}. The company that is reporting me is " XXXX XXXX XXXX '' then I sent letter to the collection company asking to please verify this account. No respond was received within the 45 days period after that. Then, on XX/XX/XXXX changes were made to my credit report showing as the account was closed. On the XX/XX/XXXX it was back on my credit report as active. There was No written notice from any of the Bureaus informing me of the result of the investigation. All my communication with them was sent through certified mail and I do have proof that the date that was delivered. I'm requesting assistances in the verification of the removal of the disputed data from my credit 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 2022-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I called Bank of America to ask why I was being debited payments for different companies from an old debit card that I had clearly changed because it had been compromised. I updated the companies that I need to and left out the ones I wanted to stop payment on. Thinking that since they didnt have the new debit card they couldnt withdraw any funds ( a letter was also sent to the companies to revoke authorization ). To my surprise Bank of America kept paying the companies even tho there was a revoked authorization or stop payment in place. Frustrated I called gain to his time the lady in the phone assured me that the stop payment would take place. It didnt Im still being be tied as of today. BofA excuse? I was told that if the companies change their account number every time a debit happens they have no way of stoping them from taking the funds However this is not true according to federal law which states that a client may revoke an authorization at any time by phone, email, fax and writing. On my last call with bak of America I begged for a solution as I saw my bank account drained. No was given except to take my funds XXXX close mY account. Then there was a Holliday and banks where closed and today Im in this letter hoping that Bank of America rectifies this because they wont do it for 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 monetary relief
Consumer complaint received 2022-01-20
Company: National Credit Systems,Inc.
State: AZ
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:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NATLCRSYS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Equitable Acceptance Corp
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was initially contacted by a company known as XXXX XXXX and/or Equitable Acceptance who wanted to consolidate my loans. The original conversation was about how they would pay the loan and I would see and instant improvement in my credit score and then I could make one low monthly payment to their company. I am a struggling single mother of XXXX who could use all the help I can get so I signed the needed paperwork and began making payments to this new company, XXXX XXXX. I made payments for about 2 years and recently my original loan company contacted me stating that I was late on my payments. I told them I had been making payments for the past two years, to which she replied " There has been no payments made towards this loan. '' ( I had been in the period between ending school and beginning my first payments due to low income so this is why they were just now reaching out to me. ) I began to question both companies about why I am paying two different companies for 1 loan. I did lots of research online and called to speak with XXXX XXXX XXXX where I was belittled and threatened that if i ceased payments my credit would be negatively affected. The woman I spoke with that day even said to me " What are you now , XXXX XXXX XXXX?! '' once I told her I was trying to research what has happened. Since then I am continuously getting emails and calls threatening my credit and advising me to contact their collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 explanation
Consumer complaint received 2017-10-17
Company: Capital Management Services, LP
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital Management Services , LP was hired by XXXX XXXX XXXX XXXX XXXX to collection on a {$390.00} debt owed. On XX/XX/XXXX, I entered into a settlement agreement with capital management Services , LP and paid them $ XXXX- the check was cashed on XX/XX/XXXX. 

I am requesting that Capital Management Services, update their records with XXXX XXXX XXXX XXXX XXXX in order for XXXX 's to correct the information on my credit report with the three major Credit Bureaus- XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: ERC
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company ERC, i think is a collection company are trying to collect a debt, from an account open fraudulently, And this account a XXXX has been deleted form my credit report because it was fraudulently opened. I dont have it in my credit report but they still sending me letter to collect this debt. I dont have to pay something that is not mine and it wasnt my fault.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
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 sent letters, called, disputed and they still are reporting unauthorized charges for 4 years as a charge off every single month on my credit report and making my credit score suffer for something they wont even verify and keep reporting stating their information is accurate ... its not, the charges that brought this account to the point of past due Ive told them this was fraudulent and the card was stolen. Ive even paid the balance without interest just to make it go away with them and they still insist on interest and will not even listen that this was Identity Theft! And to this day are collecting on this, refuse to verify and provide verification that the charges were in fact made by me but they were not and instead Im paying the price getting denied loans because of this one card that I didnt authorize the purchases on and have been fighting with them ever since. The balance reported at XXXX charged off. The balance is now XXXX. Totaling XXXX which is the card max. I paid XXXX of charges that I didnt make and they still want to be the only blemish on my credit report over {$300.00} and being too lazy or stubborn because they just want money even if that person didnt do it!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have been a member of XXXX XXXX XXXX in XXXX, TX since XX/XX/XXXX. I have had my CD 's and XXXX accounts with them since that time as well as checking and savings accounts. As of this year, I have been requesting reports from BBVA since my inception of working with them as I feel that money has been taken from my accounts at one time or another. My son has also requested reports from the investment side as well, so that we can follow the paper trail and do research on our own to see if and when my accounts with BBVA have been compromised by someone at the bank. In XX/XX/XXXX, I requested information from one of the agents and was told that she was no longer employed with the bank. We have repeatedly asked for our reports from bank statements, statements on my investments, etc, but they do not respond to my requests. 

They would lure me into internal accounts that benefited BBVA on interest rates and not my own. When my CD 's would mature, they would place the money in an " Internal '' account until they moved it somewhere else. They also tried to convince me to place my money in accounts that did not benefit me at all. We have been asking for all reports that show all transactions on all accounts so that we can cross-reference the trail of money coming in and going out. We have not been able to get these reports from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is sending/ selling a debt that I do not owe. This collection company did not contact me before placing this debt on my credit reports. I have proof that I do not owe this debt since XXXX XXXX sent me a refund check in the amount of {$93.00} to my current address. This collection company failed the process this attempt to retrieve this debt without notifying me and the collection agency can not say it did not have my current info if the company they purchased the assumed " debt '' had my current address and sent a refund check in the amount listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: PA
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:
XXXX accordance with the Fair Credit Reporting act US DEPT ED 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