BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: NJ
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Experian Information Solutions Inc.
State: CT
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:
So on these dates XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. These accountants were never authorized to be open or reflect on my credit, they was only authorized to do soft inquiries bases on the agreement that I had, I never authorized accounts to be opened to reflect on my credit .I need them removed immediately

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 2021-08-09
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CMRE Financial Services , INC. at XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, CA. XXXX has been sending me multiple collection notices in the amounts of {$620.00}, {$590.00}, {$480.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company dose not have a contract with my signature have not been able to present anything of the sort upon my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Capital Management Services, LP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and transactions are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. I have enclosed the fraud package that was sent to them.

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 2016-06-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My credit report is reflecting a Judgment from XXXX XXXX this a unverified Debt given that midland funding did not report this to you but a data Minor did there is a not a court in the country that verifies the stats of a Judgment. I called the Circuit court Myself they would not give me any information about the Judgment. Please Provide me with the name of the person verifying this debt because they will need to be prepared to tell a judge just how they Verified this information the court does not report this and does not verify the information Account number XXXX. My personal information was reported by a non- debt holder Aka A data Minor the Release of tax Number for this debt is XXXX XXXX XXXX Recorder of Deeds

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 2016-09-21
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have submitted the attached documentation to the credit bureau and they will not delete this account from credit report. They have on more than XXXX occasion send a report and stated that the item remains.

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 2017-02-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
This is a written request that you investigate items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be investigated and then deleted : Incorrect Name : XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA. 

XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA.

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 2015-07-02
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
ALL CREDIT AGENCIES LISTED FRAUD/ UNAUTHORIZED INQUIRIES WITHOUT MY CONSENT TO REVIEW CREDIT FILE ... REMOVE ALL FROM FILE ASAP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There has been a recurring charge of {$280.00}, listed as collections, on all XXXX credit bureau reports. I have written the collection agency and the primary source, but neither have provided any documentation or respond to my requests. It is for a medical bill, but I have paid all my medical bills to this company. I believe they have mixed up my name with someone else from what they tell me. They never respond to my letters, they just renew dates on the credit bureau reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Your company is currently reporting a negative listing to the three major credit bureaus ( XXXX, and XXXX XXXX XXXX regarding an alleged account. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining the necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months.

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above-noted code requires your prompt response. Your prompt attention will be greatly appreciated. 

If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed XXXX XXXX XXXX to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto.

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 2016-02-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is reporting a loan that charged off back in XXXX as 120 days late as of XXXX. That is wrong. If it charged off in XXXX how can they continue to report me and my wife late in XXXX? XXXX XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold XXXX accountable to the FCRA and make them remove the lates after the account charged off XXXX. We have disputed the account via the credit bureau dispute process, 4 times and they still refuse to fix it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
A false derogatory mark was added to my credit report regarding a bill that was paid before its due date. I disputed it on XX/XX/21 and it was removed from credit report on XX/XX/21 unfortunately my credit score only went back up twenty-seven points after being knocked down by eighty points.

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 2021-08-10
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This business is harassing me for a debt I do not owe. I have contacted the original creditor listed and they confirm I have no balance. They have no record of sending my account to this collection agency. As of XX/XX/XXXX, the agency has reported delinquency which shows on my credit report. Again, I have no outstanding balance, was not sent to collection, and my credit shows a delinquency from the collection agency. I want the delinquency removed and the agency to leave me alone. As I have never had any contact by mail or phone with this company. I have attempted to contacted them and have file this complaint to assist me with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-08
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been dealing with this collection for a few years now. Due to this, I pay to have my credit monitored. I have contacted all the bureaus and hopping through hoops eventually gets removed. However, due to this there are times my credit has dropped nearly XXXX points. The collection company Enhanced Recovery realized that this account did not belong to me, but to my father, which unfortunately for me we have the same exact name. I work hard for my money and always pay my bills on time. I have a letter from Enhanced Recovery, stating they would delete this, which they have but time and time again but repeatedly keep reporting this on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
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 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 explanation
Consumer complaint received 2015-12-21
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had XXXX cable service. I decided that I did not want to have their service anymore. I want into XXXX of their stores. I turned in all pieces of equipment. XXXX actually owed me money from me over paying my bill. However they somehow lost this piece of equipment. Failed to notify me of this issue and referred me to a third party collections agency enhanced resolution center. They have been harrassing me. Calling me eight times a day over an issue I 've spoken about to XXXX. They 're " researching '' the situation but yet I 'm still getting calls. Now XXXX is calling my roommate who nowhere in my contract with time warner is she listed or named or phone number provided. I worked as a collector for over a year. I know the laws this is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: CCS Financial Services, Inc.
State: KS
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:
Credit Collection Services also known as CCS is violating the FDCPA laws by incorrectly reporting inaccurate derogatory information to my credit report. The company is reporting I owe them money. Ive never had any business or any accounts w/CCS. I was never notified by mail, or by phone of this debt. I received a collection notification and called CCS. I spoke w/XXXX, who confirmed the address on file was incorrect and not updated. We confirmed that the amounts being reported of {$58.00}. Is not correct. The actual amount they have a request for is XXXX. I informed XXXX that I had no knowledge of the debt and that I can resolve issue w/fair opportunity. I asked XXXX, due to him verifying the wrong address is on his file, the wrong amounts is being reported, and that I had no knowledge and willing to resolve could this derogatory information be removed. XXXX refused and escalated me to XXXX, a XXXX supervisor. 

XXXX, also confirmed the address they had on file was wrong. She confirmed that they tried to call a number on file but was NOT able to reach a person. She confirmed that I had no account or business w/Credit collection services. She said that they were a debt collection agency and that the company I actually owe is XXXX XXXX. She said theyre are 2 collections. One for XXXX and another for {$50.00}. I exclaimed to XXXX, that the information they were reporting was incorrect and that I had no knowledge of any debt or money owed. I advised XXXX of my correct number. I also educated XXXX, that my FDCPA rights were being violated because CCS were violating the FDCPA laws.1. I never received notification of debt which prevented me from being able to have a fair opportunity to pay balance Im presumed to have owed. 2. They are reporting the incorrect amounts that I owe to XXXX. 3. XXXX, told me the only way their willing to update my file and remove this derogatory, inaccurate reporting is that I send in proof of my personal address. Thats a violation of my privacy rights. I have no account w/CCS. 4. CCS is reporting the derogatory information to my credit report 3x in the month of XXXX. She still refused to remove this inaccurate reporting. I also spoke w/a manager by the name of XXXX. She was very rude and condescending. I advised her that I contacted the company I question and that the monies owed have been resolved w/XXXX XXXX. She has still chose to violate FDCPA laws and not remove this derogatory report thats inaccurate and I also was never given knowledge of.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt is for {$1500.00} Now they are asking for {$1700.00} because interest?????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: General Motors Financial Company, 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: Credit inquiries on your report that you don't recognize

Complaint:
applied for a vehicle, and for some reason they seem to do more then what they told me. I have so many inquires on my report that it is ridiculous. I am trying to reestablish, my credit and they are not making it any better, I was mislead by these car dealers, They told me it will be a soft pull on a couple and it ended up being. this all started on XX/XX/2019 to XX/XX/2019 will not do this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I 'm having a problem with Citizens Bank and my account again.They have debited my account for {$64.00} for a XXXX overdraft. I had enough money in the account to cover the items and I also credited the account {$1.00}. When I called the XXXX # the bank representative told me to read my account brochure and hung up on me. Please help me -- this bank will take all the money I have out of my account and I have bills to pay.

Company response to consumer: Closed with explanation