BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CO
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 mishandled my private information which puts me and 209,000 other people at risk. I am listed as a potential victim according to their website - equifaxsecurity2017.com - and I would like a resolution. I 've worked hard to build my credit as a XXXX year old, I 've worked hard to maintain a good score with a good history, and now all of that is at risk because of gross negligence by this company. Now I have to pay a fee to freeze my credit because of incredible incompetence, since my SS number, DOB, address, CC numbers, and possibly even driver 's license number are likely indexed as, at this point, they 're public information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
There is no record of me ever living at this property at XXXX XXXX XXXX XXXX XXXX XXXX Texas, yet there is an eviction filed in my name and reporting to my renters history. The management company and the actual property has no record of me ever living there.

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 2022-09-03
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: Credit inquiries on your report that you don't recognize

Complaint:
INQUIRY XXXX XXXX XX/XX/2022 I DID NOT AUTHORIZED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
INQUIRY XXXX XXXX XX/XX/2022 I DID NOT AUTHORIZED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: OH
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 have sent three letters so far requesting for the inaccurate information be removed from my credit report. The bankruptcy in question was dismissed without going to court. The credit bureaus stated they verified that the information was correct. Verified with who? I wrote a letter to the courts and was informed that the courts do not communicate with credit bureaus. That would put the credit bureau in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Harris & Harris, Ltd.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from Harris & Harris. The letter appears to suggest that the organization is a law firm. In response, I contacted Harris & Harris. Their representative attempted to suggest that the organization was a law firm. However, when I asked who their managing partner was they had no idea what I was speaking about. 

I believe this company is a front and that the organization is not a law firm but simply a third party collection agency that attempts to coerce payment by suggesting the individual has been referred to a law firm. 

Further, I checked and Harris & Harris is not licensed to practice law in my state. 

This is both in violation of the FDCPA as well as state consumer protection laws operated by statute here in the state of Kansas. 

While my particular account has a dispute involved I think this is perhaps the most illegal thing any collection can do because it is outright coercive and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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:
I sent a letter out on XX/XX/XXXX to XXXX, Transunion, and XXXX. Here is my Tracking Number # XXXX XXXX XXXX XXXX XXXX. However the Credit Bureaus said the completed the Investigation and EVERYTHING was 100 % Accurate. 

According to The Law 15 U.S. Code 1681a- Definitions ; Rules of Construction. 

The Term " Investigation Consumer Report " means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge conceming any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to.???? 

How did they complete this INVESTIGATION??????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was recently switched from the XXXX  XXXX XXXX XXXX to XXXX loan servicing c/o Loancare for my mortgage. I did not apply for this change but I understand that mortgage servicers can sell loans. 

Since the start of my mortgage, I have auto-paid half on the XXXX of the month ( or close thereafter based on bank availability ), the remaining half on the XXXX of the month ( or immediately thereafter based on bank availability ), for payments that are due the subsequent XXXX of the month. For example, for a mortgage payment that is due XX/XX/19, I paid half on XX/XX/19, the remaining half on XX/XX/19, and the mortgage due XX/XX/19 was paid with those proceeds. 

Loancare recently received a half-payment XX/XX/19, a second half payment XX/XX/19, for a mortgage payment that was due XX/XX/19. Instead of applying the amounts to the payment, they chose to misdirect my first half-payment on XX/XX/19 to unapplied principal, which was not at my request or discretion. This caused the payment due on XX/XX/19 to be listed as " late '', with an additional {$1100.00} still owing. 

I would like you to punish Loancare servicing for making this change that was not in accordance with how my past payments have been processed. I would ask you to force them to reverse whatever the XXXX they did with the XX/XX/19 payment and apply it to the regular mortgage payment. I would ask you to force them to make any corrections with the credit reporting bureaus that might have occurred due to their errors.

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 2017-08-24
Company: ONLINE Information Services, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Date : XX/XX/XXXX. I have been receiving repeated calls from " Online Information Services '' ( OIS ) in North Carolina. Message says they are calling about a debt owed by " XXXX XXXX XXXX '' ( sp ) which is not me nor anyone I know. The message also instructs me to take action ( call OIS ) if I am not this person. I do not and will not interact in any way with such calls, and I 'm not going to call and tell them my actual identity, particularly as there are **hundreds** of online complaints about this company ( including one that reports notifying the FTC of OIS ' fraudulent and harassing practices as early as XXXX ). 
Number OIS call me from : XXXX Number OIS tells me to call to be removed from their calling list : XXXX Note also : I am on the National " Do Not Call '' registry and have been for years. 
More info about OIS included legal complaints : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: HYUNDAI CAPITAL AMERICA
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I refinanced and paid off my vehicle loan with Kia Motors Finance ( KMF ) in XX/XX/XXXX. I sent them the cleared check that clearly stated that the " Payee '' - Kia Motors Finance cashed the check. It was in XXXX XXXXThey claimed that the " bank cashed the check '' and that they never got it. Not possible, however they still made that claim. They took an additional payment from me of {$450.00} in XX/XX/XXXX even though I had stopped the automatic debit option in XX/XX/XXXX. Their online portal showed the full payment made and I received no bills or notices from KMF in XXXX or XXXX of that year. In XX/XX/XXXX, KMF started sending me bills again even though payment in full had been made in XX/XX/XXXX. I called them, texted them and tried to get them to fix their problem after receiving these new notices. At first they said they would fix their problem, then they stated they received the payment, but that it had been credited to an " invalid '' account. Then they stated that there was an incorrect account number on the check they received and placed blame on the sender even though their name, my name and the account number were 100 % correct. Then they stated that the " bank had the money and that they didn't even have an account with '' the bank they cashed the check with. 
Well, during all of this time, they continued to harass me for payment not due, continue to assign " Past Due '' charges to my account, continued to accrue interest charges, and I started receiving notices of impacts to my credit score along the way. 
The bottom line is a warning not to ever do business with Kia Motors Finance unless you want to be treated as poorly and irresponsibly as they treated me. There is no " customer service '', only individuals under that heading that are there to solely protect KMF, take your payments, unfairly threaten former customers, and provide false information to cover themselves and KMF when their incompetence and mistakes are revealed. It is unfortunate that businesses like this are allowed to flourish and not be held accountable for their unethical business practices. Borrower Beware!!!

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 2020-08-26
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'VE BEEN DISPUTING THESE ACCOUNTS FOR A FEW MONTHS NOW AND THEY STILL APPEAR ON 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 2017-04-05
Company: Bureau of Accounts Control
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX in XX/XX/2013 from XXXX NY XXXX I paid a flat fee for the XXXX and was later billed an additional {$360.00}. At that time I complained about about the additional charges and the doctor 's office could not provide any explanation or information ... The doctor has poor ratings and I want to register a complaint against

Company response to consumer: Untimely response
Consumer complaint received 2022-09-03
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:
I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. Here is my Tracking Number # XXXX XXXX XXXX XXXX XXXX. However the Credit Bureaus said the completed the Investigation and EVERYTHING was 100 % Accurate. 

According to The Law 15 U.S. Code 1681a- Definitions ; Rules of Construction.

The Term " Investigation Consumer Report " means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge conceming any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to.???? 

How did they complete this INVESTIGATION??????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, I sent a letter requesting the removal of unauthorized inquiries on my report which I do not recognize. From Transunion, I didn't even receive a response concerning these inquiries at all nor were these inquiries removed which is damaging to my reputation and credit report. From the other two, they didn't do anything to remove them at all. This shows that our information can be requested and distributed without our permission. This isn't how it should be ... no privacy anymore.

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 2022-03-08
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI financial has totally messed up my escrow. I have asked to remove them from making my escrow payments they refused, I updated my homeowner 's insurance premium and they increased my payment, even though my homeowner 's insurance went down. They for some reason attempted to disburse my homeowner 's insurance payments more than is necessary. I would like a XXXX party review of my escrow account with this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: ONEMAIN FINANCE CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I discovered that OneMain Financial ran an authorized credit report on XXXX XXXX, 2019   without permissible purpose.

I sent OneMain Financial a certified letter on XXXX2019 requesting to contact XXXX, XXXX, & XXXX  immediately and have this inquiry deleted from my credit report file.  Certified letter was received by XXXX XXXX XXXX on XXXX/2019.

My request was ignored.  I am using Estoppel of Silence in my defense.  By law, OneMain Financial had a duty to respond but failed to do so. Therefore, this means that they agree with me that this inquiry was not authorized.

In addition, I am receiving constant emails from them.  I have unsubscribed to their emails, but I am still receiving emails from them. I am not interested in a loan or never have applied for a loan with them.  I need this to stop immediately as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: EQUIFAX, INC.
State: GA
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 this Item several times with along with others with Equifax however, they did not comply with the State Attorney General Settlement Agreement and 609 letters  with this one particular item. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : Equifax has refused and I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify the item. If you do not have any documentation in your files to verify the accuracy of these disputed item then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In my last communication with EQUIFAX, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an ID Theft Report and an affidavit of truth. My next step will be a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: RR Resource-Recovery
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified by XXXX XXXX  that the debt for a chiropractor bill was not paid by my insurance before they sent it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
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 mishandled my information, not keeping it properly secure. This put the information at risk, leaving me exposed to potential identity theft and/or fraud.

Company response to consumer: Closed with explanation