BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: IL
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 shared my personal identification information ( name, birthdate, social security number ) with an unknown group after they were able to access the information because of subpar electronic security measures. Furthermore, several Equifax executives sold stock in their company after they learned of the hack and withheld this information from the public for several weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Credit Collections U.S.A., L.L.C.
State: FL
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:
TODAYS DATE : XX/XX/XXXX CREDIT COLL/USA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a XXXX   of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CREDIT COLL/USA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX  Telephone Consumer Protection Act Litigation, Case No. XXXX in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
To Whom It May Concern : A system error has resulted in a negative credit report that I hope to get amended. 
I leased my car in XX/XX/XXXX and was making timely payments through XXXX ' own online auto-pay function. All payments were credited on time with no issue. An internal error resulted in two payments being pulled for XX/XX/XXXX.  Subsequently, I suspended the XX/XX/XXXX payment. A second internal error cancelled the auto-payment function with NO notification. As you can imagine after 2+ years  of automatic payments, I did not check. There was absolutely no email, phone or written contact by XXXX. 

XX/XX/XXXX I received the first contact from XXXX that my payments were now late. Immediately the balance was cancelled and set up to date. Unfortunately, despite not receiving a call, email or letter prior to this my credit report was negatively impacted. I reached out directly to XXXX to attempt to clarify the situation but they were no help. 

Once my records are reviewed you will notice I have worked very diligently to make timely and responsible payments and maintain a clean credit report. I am aware that there are individuals that intentionally miss payments and try to manipulate the system. I would not be wasting my time or your if this were the case. Please remove this negative report from by credit score as I should not be faulted for a system error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2022-01-17
Company: EQUIFAX, INC.
State: IN
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:
these credit reporting agencies are BREAKING THE LAW and my privacy rights. 

Every time I put in a complaint they are replying with generic computer-based responses that gets closed out and never addressing the situation. they have repeatedly ignored my concerns and broken the law on several occasions and I am tired of it. 

I have lost my confident in the banking system and these elaborate mechanisms to do anymore business with them and I am no longer extending my credit. 

Pursuant to the 15 U.S Code 1681 ( a ) ( 1 ) the banking system is dependent on fair and accurate reporting and I have been treated unfair 15 U.S Code 1681 ( a ) ( 4 ) says it is their GRAVE responsibility to respect I, the consumer, rights to privacy and they are disrespecting my demands to protect my right to privacy. I have contacted XXXX, Equifax, and XXXX multiple of times to delete accounts due to my privacy rights and I no longer want some accounts furnished on my credit report anymore which is my federal right to do so. 

I demand that they respect my right to privacy and delete the following accounts listed below XXXX XXXX XXXX XXXX XXXX delete all late payments from XXXX XXXX USA and comments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have fraudulent and unauthorized credit card accounts and credit inquiries listed on my XXXX, Equifax and XXXX XXXX credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, the following credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/2017, XXXX XXXX XX/XX/2017, XXXX XXXX XXXX, XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: ALLY FINANCIAL INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Submitted information for application for credit loan to XXXX XXXX car salesman. Application for credit was sent to Ally Bank an online bank that went to XXXX XXXX e located in XXXX XXXX CA. XXXX stated my Credit score was XXXX that was incorrect my actual Credit Score is XXXX. I feel I was Discriminated against because I am XXXX XXXX. My application should by been approved not Denied. I want an investigation into XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately 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 2017-09-10
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
Re : My submission, number XXXX I opened a Time Deposit account with BBVA Compass on XX/XX/XXXX and deposited {$150000.00}. The maturity date was XX/XX/XXXX. According to BBVA Compass Non- Consumer Time Deposit Agreement and Disclosure Statement dated XX/XX/XXXX, there was no early withdrawal penalty.
OnXX/XX/XXXX, I purchased a new home for my retirement, and withdrew {$120000.00}, and was charged a 3 % early withdrawal penalty of {$3700.00} and additional fees of {$37.00} I was very surprised they charged me a 3 % penalty for an early withdrawal fee even though it was not a provision in the Non-Consumer Time Deposit Agreement and Disclosure Statement dated XX/XX/XXXX.
I made a request for assistance to the Consumer Protection Assistance and Compass for a refund of the early withdrawal fee. However, I was told that I needed to make the original request myself even though I did make the original complaint on this issue.
The address of the bank is XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ( XXXX ) XXXX. I have attached the original Non- Consumer Time Deposit Agreement and Disclosure Statement with Compass Bank , and Time Deposit showing the 3 % early withdrawal that I paid.
Thank you. I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2019 I was going to XXXX XXXX with XXXX in XXXX, CT. At some point my insurance changed and I provided the receptionist with my XXXX XXXX  XXXX XXXX XXXX insurance card. Months later I received a bill from XXXXXXXX XXXX ( XXXX ) and I contacted them multiple times explaining that I had provided my insurance information and do not owe a bill. After multiple calls and disturbing conversations with the supervisor over the billing department I contacted XXXX XXXX. XXXX  conducted an investigation and determined that the provider XXXX XXXX/ XXXX failed to submit the claim timely and that the patient ( myself ) was not responsible. I also contacted American Adjustment Bureau ( creditor ) once I saw that this situation was not rectified and now on my credit report and they stated that the amounts on the file show that the hospital charged it at a discount amount of a cash paying patient. I explained the situation to the creditor American Adjustment Bureau and they refused to remove it. I then put in a claim to XXXX  and XXXX  and their investigation report is stating that I am responsible despite the proof I provided from XXXX. I am not responsible for this bill and need it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: ID Analytics, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Submitted information for application for credit loan to XXXX XXXX car salesman. Application for credit was sent to XXXX XXXX  an online bank that went to Sagestream Credit e located in XXXX XXXX CA. Sagestream stated my Credit score was XXXX that was incorrect my actual Credit Score is XXXX. I feel I was Discriminated against because I am XXXX XXXX. My application should by been approved not Denied. I want an investigation into XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Santander Consumer USA Holdings Inc.
State: LA
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 had a vehicle financed through Santander in XX/XX/XXXX. Santander charged the vehicle off as bad debt in XX/XX/XXXX and wrote it off in taxes as bad debt. Therefore, they received a XXXX as income. They are still reporting a balance and trying to collect for it after writing it off. The vehicle was totaled and XXXX XXXX paid Santander {$5200.00} in the total loss settlement and Santander released the lien and turned it over to XXXX XXXX. XXXX XXXX now owns the title and the vehicle. Yet Santander is still reporting an owed balance on my credit report and will not remove it and told me I would still have to pay {$9000.00} in balance for something they wrote off on taxes and collected from the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received notification on XX/XX/2022 that there had been an account change to my XXXX Credit bureau information. As all 3 of my credit bureau accounts have been locked for over XXXX years, I immediately checked my posted information at XXXX. There was a listing that a debt collection account had be created under my name. The original creditor was listed as XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX OH XXXX. The debt collection agency was listed as Security Credit Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( debt account XXXX ). 

I have never done any kind of business with XXXX XXXX XXXX which indicates an outstanding account balance in my name in the amount of {$1300.00}. I have mailed correspondence to both entities expressing that I did not apply for any loan service through XXXX XXXX XXXX. Their web site boasts " no " Credit Score Required means that, although no minimum XXXX score or established credit history is necessary to apply, we may check past payment history based on the information you provide in the application ''. As my XXXX XXXX account has been locked for 2 years, I doubt that any effort was made to ascertain credit history. 

I have never been contacted by XXXX XXXX XXXX regarding payment of any kind, or that an account existed in my name. The first I learned of this was through my XXXX Credit Bureau account. 

I have requested via correspondence that the two entities listed above remove my name from their creditor files, and that XXXX be contacted for removal of the Collections Notice on my credit report. I assume that this was fraud committed by someone using my name and information to establish a loan through XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I followed every protocol according to the Fair Debt Collection Practices Act. I sent cease and desist letters within a certain time frame and I disputed the validity of the debt because it is my personal preference to deal with the credit card company directly. Forster and Garbus LLP refused to obey any laws put in place and I've had enough. I made a complaint with the attorney general office with no results. They proceeded to start a lawsuit in XXXX County Civil court despite me following all laws ( under Index # XXXX ). Please keep in mind the reason why the debt was not being paid is because my wife was laid off for about a year and a half and we have XXXX children. Some things had to fall behind in order for me to provide for my family. Now that my wife is working, I was planning on paying the debt, but before I could get an opportunity, Discover sold the account and I've been harassed ever since. They started the lawsuit ( Forster and Garbus LLP ) and never notified me. I found out from an attorney 's office who wrote me asking me to hire them to represent me. Why are laws in place if they do not have to follow them? I am asking you to please help and investigate so they can not illegally try to garnish my wages. Any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
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 have attached and FDCPA letter, there are clear violations and this account needs to be deleted

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 2022-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company has admitted to being a Debt Buyer this company is also a debt collector pursuant to 15 USC 1692a ( 6 ) defined as ANY PERSON who uses instrumentality of interstate commerce. As a private consumer natural person who is federally protected I have been violated. This company has admitted to committing fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028 and 18 USC 1029. They brought my data from a defaulted note purchased from XXXX XXXXXXXX on XXXX of XXXX buying defaulted notes is a violation of UCC 9-110 and UCC 2-401.They continue to use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. This company admitted to NOT having a contract with me. They can produce a contract as there is none. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). CNAC has admitted to them buying my defaulted note from XXXX XXXX This company also said their complaint that on XX/XX/XXXX they sent documents but I have not received those documents. This company has a Cease and Desist and is using the CRAs as a form of communication which they are defined as a form of communication in Title 15 of the United States Codes ; I demanded to cease all forms of communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2020 I received a credit alert today. I decided to check my credit report. I noticed that XXXX XXXX XXXX has reported an account XXXX as charged off on XXXX XXXX, Equifax, and XXXX. I have disputed this with XXXX XXXX XXXX and they advised that I have to dispute with the credit bureau. They have agreed that this is not a charged off account but an open checking account and should not be on my credit report.I have disputed this with XXXX XXXX, XXXX, and XXXX. This account is affecting my credit score and resulting in credit issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am currently being charged twice on a dispute I made in XXXX. It is now XXXX. The Dispute was reversed before it was resolved, and I went to dispute it again. A provisional credit was added to my account after the first credit was reversed back to the bank. Now the bank is trying to take two credits of {$630.00} when the first credit had already been reveresed back to the bank. You have already taken {$630.00} from my account on XX/XX/XXXX, and the second charge is supposed to come out on XX/XX/XXXX for a total of over {$1200.00}. This needs to be fixed. 

Lastly, I faxed all documents of proof to XXXX. I also received a letter stating payment would be taken XX/XX/XXXX, but I did not receive a letter stating payment would be taken XX/XX/XXXX. 

Once again, at most I owe {$630.00} which was already paid to the bank, while I am appealing this decision.

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