BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-27
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A few weeks ago I looked at my credit report. It said I had 5 negative marks all from Rash-Curtis and associates, 1 was for XXXX XXXX XXXX 2 from XXXX XXXX XXXX and 2 from some company called same-day heating plumbing and air conditioning which I had never heard of. I contacted rash Curtis and associates about the same day heating plumbing and air-conditioning. Which was approximately two debits of {$700.00} each. When I asked for the information about this company they refused to give it to me and said they were going to request it from their higher level dept. and that they would get back to me shortly. They did not respond. At the same time I submitted a dispute with XXXX XXXX to try and expedite this situation. I am waiting for the letter from XXXX XXXX that has all the information about the dispute. I can send you a copy when I receive it. Which will prove that they have somehow falsified information. Today I went on to the XXXX XXXX website to check the status of the dispute and to my surprise found that the same-day plumbing heating and air conditioning name had been removed and two NEW debts had appeared from the XXXX XXXX XXXX for the exact same amounts as the two debits from the same day plumbing heating and air conditioning company. Then I called XXXX XXXX and they said that The dispute ended in the favor of Rash Curtis and associates. Because their information was believed to be correct! I am currently waiting for a call back from XXXX/XXXX  wellness center to provide the correct amount owed and the correct number of debts Owed. Furthermore I have not received one letter From Rash Curtis and associates prior to a few weeks ago. After my communication with them regarding this issue! So I dont believe I should have to pay for added costs because they did not notify me appropriately. My address has been posted on XXXX XXXX, XXXX, and XXXX  for more than 20 years! And when I was on the phone with them they did a credit check without my permission and took my credit score down. This is very suspicious behavior, and I believe that Rash Curtis and associates needs to be held accountable for it!!! This misrepresentation has caused a lot of damage and confusion, with credit companies and makes me look like I dont pay my bills, which isnt true!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX XXXX XXXX is reporting my social security number associated with a fraudulent alias created by a financial criminal. The fraudulent alias, " XXXX XXXX, '' is associated with social security number and keeps getting reported by XXXX XXXX XXXX XXXX to Trans Union. By doing so, XXXX XXXX XXXX XXXX is effectuating financial fraud and permitting XXXX XXXX XXXX to commit financial fraud and identity theft against 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 2016-06-16
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I received XXXX hard copy letters from Navient offering a reduction settlement up to 70 % of the balance ( see attached ) but when I called I was pressured and bullied into {$600.00} payments, no reduction and told I " was n't eligible '' for that letter ... .no matter that the letter had MY NAME and MY ACCOUNT NUMBER. My Mom is XXXX yrs old & a cosigner on some of the Navient, they called her XXXX15 times day ... .I felt no options existed for me ... give Navient what they want or watch my Mom so imperiled by the harassment ... ... {$600.00} is well over 25 % of my monthly take home and after XXXX it will be 40 % of my income monthly. I believe those letters were a dishonest ruse, a bait-and-switch ... .jsut to get consumers to call them ... .the letters were a LIE but I also believe that Navient put the reduction offer in writing and therefore should be held to it. I am contacting your office, the AZ XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Exeter Finance Corp.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not give this company permission to view my consumer report. 

EXETER FINANCE XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: EQUIFAX, INC.
State: NJ
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 pulled my credit report and found I had 2 late payments reporting on my XXXX XXXX Account. I contacted XXXX, XXXX, and Equifax to ask them to investigate this error becuause per my records I was never late paying this account. I even contacted XXXX XXXX about this issue and was advised they would look into it and the error is still reporting on my credit profile. All 3 credit bureaus sent me back something stating these lates were in fact verified in which I asked for proof and sent proof that I wan in fact NEVER late.. To date these late payments are reporting and Negatively affecting the Lenders decision on giving me a loan for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report today. My report indicated that I am behind 90 days on my loan repayment. I logged into my account and it indicates the same. It further breaks down the details of the loan, indicating that the school attended and loans were disbursed for XXXX XXXX. XXXX XXXX is a part of a class action lawsuit which lead to all loans being forgiven. 

I logged into my Federal Student Aid login and confirmed that my XXXX loans are forgiven as well. 

Additionally, if I'm not mistaken, an executive order was issued by the government stating that during this COVID period, no student loans should be being reported as negative to personal credit reports. During COVID, I have not worked. My loans have been deferred for a while now. 

I was unaware that these loans were even due. Nonetheless, they are inaccurate.

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 2021-07-27
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:
Ive reached out to Equifax and Ive informed them that I had 53 inquiries that I did not authorize or recognize and they still would not remove the inquiries I also have a credit repair person that has been sending out letters with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, 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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX CT XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX. XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-05-30
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: Information belongs to someone else

Complaint:
Im the victim of Id theft an company is listing 20 inquiries that are not mine.

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 2021-07-27
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:
My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies. I have attached a copy of the police report & identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have filed a dispuTe in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.

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 2015-12-30
Company: American Credit Acceptance, LLC
State: MS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a vehicle on XXXX from XXXX and I was approved twice through American Credit Acceptance. Now I am receiving a call from XXXX stating that I need to return the vehicle because they could not verify my income. I have been working XXXX for 13+ years and its not hard to find out. I received another call that stated that ACA was not going to finance the vehicle now. My question is why was I approved not once but XXXX in one day and now all of a sudden after I have had the car for 13 days they are declining my approval? I called the company that is in my contract for approving my car laon and they do n't even have me in there system with a name or anything pertaining to the car I received. XXXX is n't telling me anything but bring the car back and they ca n't even give me answers as to why this is happening.

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: Dyck-O'Neal, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection agent was for a cease-and-desist notification prior to submitting this debt to the consumer credit file as prohibited under the authority of public law 104 - 208 which communicated in that same notice that his collection attempts where are unwelcome and that he shall refrain from reporting records debt to the credit bureau because he dont deal with 3rd party collection agencies and i am demanding that the account subject to this complaint to be removed due to failure of complying with reppert statute of the Tair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: PA
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 would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : XXXX Account Name : XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$190.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XXXX XXXX, XXXX Account Balance : {$400.00} Account Name : XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$400.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$250.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$590.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2500.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : XXXX Fraudulent Inquires Company Name : US DEPARTMENT OF EDU Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My card provider has a policy of closing an account which has been inactive for a period of 24 months. My card account was closed due to inactivity, This action has dropped my credit score from XXXX to XXXX ... 
This action had nothing at all to do with non-payment or delinquency, it was simply lack of use on this card. Now I am penalized on my FICO score by a 23 point drop. I have made all of the calls necessary to address the problem, the bank card, the three credit monitoring agencies, and XXXX ... .and there is nothing that can be done. A 23 point drop seems harsh and punitive.

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 2021-07-27
Company: 2288984 Ontario Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
This company obtained all my financial banking information including access to my bank account number, banking transactions and my debit card all before approving loan. 

They are refusing to remove my personal information from their system although I did not obtain any loan from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Convergent Resources, Inc.
State: NJ
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:
my wife received a Settlement Offer for Convergent Outsourcing , Inc. saying that he records of XXXX show that she has a past due balance of {$200.00}. They will settle for {$41.00}. She has n't has XXXX since 2005. We have never received any prior notices. It has not shown on any credit reports. We want to know if this is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Roughly 3 months ago I set up our Kohl 's " credit '' card ( I believe they claim to be something else for legal purposes ) for automatic payment on their website. Over the last 3 days my wife has received a call a day from a computer claiming to be Kohl 's and insisting that she enter part of her social security number. This of course is the *definition* of a fraudulent call, compounded by the fact that Kohl 's POS systems were very recently broken into and information stolen. When my wife called to alert them to these robocalls, it turns out that these calls were to notify us that our card was past due, with a {$25.00} fee etc. After bullying my way through customer service ( after the XXXXline in XXXX told me that the XXXX line would refuse to take my call ), the late fee was scrubbed, the balance paid off, and the account closed permanently. 

My complaint is twofold : 1 ) Their autopay system silently failed to operate, and while talking with customer " service '' I found that the website shows no hint of autopay even existing. The agent claimed that if the account is in arrears it wo n't allow changes to autopay, but that 's very different from the autopay being completely scrubbed from the site. 
2 ) Their automated phone system requires the customer to enter part of their social security number over an unsecured channel. This " standard practice '' of theirs is the worst possible method, as it sounds like a fraudulent call. I strongly suspect they actually *want* it to sound like fraud so people will ignore it and end up with even more late fees. The industry-standard method is to tell the customer to call back at a given number, or best case tell the customer to " call the number on the back of your card '' because a fraudulent call can just as easily give a fraudulent call-back number. 

The account in question is permanently closed ( I have had more trouble with this XXXX card than with the sum of all other cards I 've ever had ), but their practices live on and they give no indication that they are willing to correct them. " Passing your concerns along '' is the polite way of saying " stuff it '', thus my formal complaint with an entity that may have some power to actually do something about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: PA
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:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: OK
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation