BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-06
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Continental Credit Control claims that the creditor they are representing, XXXX XXXX XXXX XXXX, has placed my account with them for collection. They claim their records reflect that this debt is unpaid and due. I contacted XXXX XXXX XXXX XXXX billing and they have no record of this bill - it was from 7 years ago. They have no record of ever trying to collect on this bill. My health insurance at that time, XXXX XXXX XXXX, also has no record of this bill. There is no proof that this bill exists, and no proof that if it did exist, that in the last 7 years, XXXX XXXX XXXX XXXX did not write it off.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
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:
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 an account without my written instructions. 

XXXX. ) Collections : XXXX XXXX XXXX account # XXXX open date XX/XX/XXXX amount of {$780.00} XXXX. ) Collections : XXXX XXXX account # XXXX open date XX/XX/XXXX amount of {$290.00} XXXX. ) Collections : XXXX. XXXX XXXX account # XXXX open date XX/XX/XXXX amount of {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 an account without my written instructions. 

1. ) Collections : XXXX XXXX XXXX  account # XXXX open date XX/XX/XXXX amount of {$780.00} 2. ) Collections : XXXX XXXX account # XXXX open date XX/XX/XXXX amount of {$290.00} 3. ) Collections : XXXX. XXXX XXXX account # XXXX open date XX/XX/XXXX amount of {$630.00}

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 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I put my money on this credit out of XXXX thinking I could get it faster when I opened a checking account since someone stole my money that added up to my whole paycheck. I been working on this since XXXX ago since someone stole my paycheck. I got this secured credit card to help me fix my credit but it has been a nightmare ever since. Now I'm paying for my paycheck with charges. Been trying to decrease my limit but im unable to and I dont know why. Credit bureau is reporting wrong info cause I got it paid up to what it should be and still my credit sucks. I was also had most of my bills in freedom debt relief over a year and now they are paid off and still get hit on those too I do not think is fair how I paid things up and still get ping as being bad im trying to fix my credit but all its doing making me look bad now pls fix it and someone has taken My identity and compromised it now making my life miserable. Pls help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09
Company: ERC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Enhanced Recovery is reporting a debt on my credit fil that i do not owe. I recently checked my credit and noticed this debt. I called immediately and paid this debt off. I never received any calls, notices, or letters about this debt and that violates my 30 day right to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm filing a complaint because TransUnion is damaging my buying power and my character. I have exhausted all of my options on getting matters escalated directly with them but yet they have ignored. My Information has been compromised and there has been an account open with XXXX XXXX XXXX  without my authorization. I have contact original creditor and they have a greed and close out the account. XXXX removed the account from my credit on XXXX XXXX and XX/XX/2022 XXXX has removed the account from my credit report. Admission is to deletion, the other credit bureaus have removed it then Trans Union should remove it especially because it's a fraudulent account. I have submitted all the proper documentations to them via certified mail which include my identity theft report as well as a dispute letter and out of my proper identification. Transunion has failed numerous of times and has violate my privacy as a consumer. The credit bureaus must report accuracy on my credit report and all accounts should have been properly verified before insertion.You have violated my federally protected consumer rights. Under 15 USC 1681e ( B ) you did not report my consumer report with accuracy. Transunion also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified. 
During YOUR investigation period, Transunion REMOVED THESE ITEMS WITHIN 4 DAYS ACCORDING TO 15 USC 1681c-2 ( A ), WHICH YOU VIOLATED. This issue is considered negligence and aggravated identity theft. Keep in mind, I called several times and ask to speak to an executive supervisor in the consumer affairs department but I was also discriminated because of my tone of voice and said I sound like a female Which is unlawful. Im beyond frustrated and I will like to seek remedy.

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 2020-04-20
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
CITI FREEZES MY ASSETS FOR 120 DAYS AND PROVIDED NO CLEAR EXPLANATION ( This is a DESPERATE CRY FOR HELP because I don't know what else to do.All attempts to resolve this with Citi came to dead ends. ) My family savings account has been frozen since XXXX. I was told by Citi that I could resolve it by calling the Fraud Department, but after making a lot of calls ( about 20 by now ) I was told the account is in " review '' by the " back office '' with no way to contact and that it is " marked for closure ''. But none of them can tell me why nor provided a way to resolve it. I was told to wait for 30-60 days for them to contact me with the reason. 

In XXXX ( 60 days after the account was frozen ), I received a letter ( attached ) with cryptic message saying " We periodically review customer accounts to assess the suitability of their banking relationship with Citibank. Pursuant to a recent review, it has been determined that we can no longer service your account ending XXXX  and your other related Citibank accounts. Based on this decision, we have taken steps to terminate your banking relationship ( s ) with Citibank. '' So after 60 days of locking my asset, Citi still does not provide clear explanation whatsoever as to why my account was locked and marked for closure. 

I made another call provided by the letter ( Fraud Prevention dept ) and was told ( again ) that the decision was made by the " back office '' and that they do not take any calls. 

Worse yet, the letter says that the account closure will take up to 60 days. So basically Citi has no problem holding my money for 120 days but is unable to provide a sound explanation as to why. 

That is also 120 days of me unable to access my family 's savings that I really need especially during this time when businesses are closing and family 's are struggling. 

Because of this, I had to take a loan with high interest. 

I don't know what else to do here or who else to contact. We don't have a branch in my state. Citi Fraud Prevention is clueless. The " back office '' is unreachable. Citi Executive Response Team is unable to help. 

CFPB, please help us regular people and investigate Citi 's irresponsible asset mishandling under the disguise of " fraud prevention review ''.

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 2017-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently submitted a report identity theft due to recent discovery my identity has been comprised. The following items should be removed and deleted from my credit report Account Numbers : XXXX   XXXX XXXX # XXXX these accounts are Identity theft please delete. 
XXXX XXXX XXXX XXXX, XXXX this account is fraud please delete. 

XXXX XXXX XXXX XXXX This account is an error duplicate entries please delete I do not recognize this company. 
XXXX XXXX XXXX XXXX All of these accounts should be reviewed and removed as soon as possible. I sent info for TransUnion or agent of TransUnion to do a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. 

I am in need a complete and well done investigation no XXXX system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine though your company claims to have verified this.

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 2022-03-22
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 concerning any such items of information. However, such information shall not include specific factual information on a consumers 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2015-09-22
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
hundreds of people are being screwed by Green Tree/DitechDitech has forgotten to pay our taxes and now insist that we pay a higher mortgage payment.. 
They also hold our extra payments in limbo not crediting them to our accountsWE did NOT choose this lender most of us had our accounts SOLD without our Permission!!! 
wheres the law protecting the innocent people from theses scamming sharks..THEY ARE DESTROYING OUR LIVES ... WHERES THE LAW

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: EQUIFAX, INC.
State: NY
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:
Equfax ' s employment verification service at  XXXX  claims they protect my private information, but uses my social security number as identification for a verifier to verify my employment. Not only is this not protecting my private information, but it is an invasion of my privacy and exposes me to fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
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: Public record information inaccurate

Complaint:
THE BANKRUPTCIES BEING DISPUTED HAS BEEN DISMISSED AND IT IS STILL REPORTING ON MY CREDIT FILE. PLEASE HAVE THIS DEROGATORY MARK REMOVED OFF THE REPORTING BUREAUS FOR THEY HAVE BEEN DAMAGING MY CREDIT FILE. ALSO REMOVE ALL THE UNAUTHORIZED INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, 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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Other

Complaint:
I was trying to place an order on Amazon and was having trouble with the Internet ; because of this Syncb/Amazon made an Inquiry on my credit report. I did not apply for a credit card of any kind and I want this Inquiry removed from my credit report. This was all accidental due to problems with Internet. Please help get this Inquiry removed 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 non-monetary relief
Consumer complaint received 2015-05-15
Company: North American Credit Services
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My actual issue was not listed above, however what happened was that I was sending small payments to XXXX XXXX. That was n't good enough for them so they turned my account over to North American Credit Services. When I finally sent written communication to NACS attempting to have them contact the hospital on my behalf to find out if the hospital was willing to do a " professional courtesy '' or negotiate a payment, NACS completely ignored my request/attempt at communication to resolve the debt through them. I received no answer to my letter whatsoever after requesting the above. The next thing I know. I find that NACS has now turned my account over to an ATTORNEY, XXXX XXXX XXXX XXXX Offices in XXXX, XXXX, acting as a debt collector on their ( NACS ' ) behalf. NACS DID NOT INFORM ME that they would be turning my account over to an attorney for collection even though I tried to get them to answer my letter regarding negotiating payment. Now I 'm expected to pay this attorney {$880.00} on TOP of my existing debt when it would have otherwise been avoided should NACS had treated me FAIRLY and not abused me in this way by denying to respond to my communication. The attorney 's letter states, " Contractual attorney fees, as provided for in your agreement with our client, have been added to the amount owed on this account. '' Well, in NO way, shape or form was I made aware of any agreement that stated such and it is not provided on the copy of the original statement of debt from NACS. I was treated unfairly and feel I am a victim of their oppression where otherwise their cooperation with my attempts at communication would have prevented these additional costs to me, which I feel I legally should not have to pay because I was NOT told about them and have not been previously provided a copy of such " agreement. " Here is a copy of that statute regarding unfair treatment and oppression. 
" XXXX. Harassment or abuse [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ... '' When NACS refused to assist me by not answering my written communication attempting to resolve my debt, THAT IS oppression and unfair to me. 
On the back of North American Credit Services ' statement, they have printed their policy, if you will, as follows : " Our staff is trained to provide a high level of professional assistance to consumers and we expect each person to be treated with dignity and respect. '' Unfortunately, that is not the way I was treated at all. Please do something about this. I am so stressed out that I ca n't think of anything else but the extra money these people have cost me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: TN
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:
Went to apply for a car and they needed to pull my credit report however due to this action there were many hard inquires.

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 2022-07-08
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 2022-07-08
Company: NCB Management Services Inc.
State: GA
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 Accounts # XXXX NCB Management Services, has violated my rights. 

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


In accordance with the fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX, has violated my rights. 1. 15 U S. C 1681 section 602 A states I have the right to privacy 15 US. 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