BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-09
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On  XX/XX/XXXX  I called Experian to have them remove a debt that has been reported on my account since  XX/XX/XXXX . According to the Fair Credit Reporting Act, the credit reporting agencies need to follow the 7 year record retention period of reporting any credit. During this phone call their dispute team representative "  XXXX  '' stated that she nor Experian could remove this item. Knowing the laws and my rights, I was very unsettled to hear that Experian does not look out for the consumer 's that they voluntarily report for. However, I also wanted to ensure that I was correct in my knowledge. So on  XX/XX/XXXX , I also spoke to the Attorney General ' s Office of C olorado. During that phone call they did confirm that I was correct in my knowledge of the Fair Credit Reporting Act and that after 7 years of reporting a debt, it can no longer be reported. I would like for Experian to stop reporting this debt ASAP according to  Federal law .  <P/> Account that is past this 7 year record retention is as follows :   XXXX   XXXX   XXXX   XXXX   Acct # :  XXXX  Original start date or reporting :  XX/XX/XXXX  Currently still on my credit report as of  XX/XX/XXXX  This same account is also being reported on   XXXX   XXXX   and   XXXX    with a s tart date for both of them  XX/XX/XXXX  I thank you for your time and look forward to hearing how you can help remove the said account   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 2021-11-12
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX, the original creditor, sent me a letter stating that they performed an investigation and found that I am not responsible for any previous or further balance on any accounts with their company. The accounts ( 2 of them ) associated with XXXX XXXX were not opened by me yet they are both showing up as collections on all 3 credit reports and still being reported by the 2 debt buyers ( XXXX XXXX & LVNV FUNDING LLC ). Neither should be there ( ever ) and I'd like them REMOVED ASAP! Not showing as " closed '', not as " collections '' - all traces REMOVED COMPLETELY! I will attach the letter from XXXX XXXX admonishing me from all responsibility on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/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 2017-06-09
Company: Velocity Portfolio Group
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I found out today that my daughters bank account has a levy hold on it from Velocity collections according to them for a debt I owe ( my daughter is  XXXX  so I had to be on her account however it is all her paychecks and gift money from family ). According to them they have a court order for this however I was NEVER notified of any court case regarding this debt. The debt is also well ov er 4 year old which is past the statute of limitations in PA as far as I could see. They are trying to take my daughters hard earned money for a debt I do not believe they are legally able to collect in this way, or at all. I am. It sure what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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: Their investigation did not fix an error on your report

Complaint:
XXXX and equifax are reporting an account with XXXX XXXX on my credit report. I have disputed this with each of the companies over and over over 3 years now, sent in all my proof of identification documents required and requested for this false account to be removed dozens of times. This is not my acct. I have no acct # that matches this. Ive requested numerous times for valid verification any docs, contracts with my signature on it etc.and received NOTHING! They havent provided any valid verification proving this is my individual account Equifax just told me they do not have documents they go by the word of XXXX XXXX. 
Both equifax and XXXX  reports am ex as a charge off w/a balance monthly. This is in direct violation of my FCRA rights and I want it removed. It has stopped me from being able to purchase a house And get credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: Summit Financial Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX/XXXX/2017 This car was volunteer repo Because I told them to come and get it because I did n't have a job

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 2017-06-09
Company: Second Round Limited Partnership, Austin, TX Branch
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
They called at  XXXX  on  XXXX   XXXX ,  2017 . Looking for my wife. I told they she was not here. I asked what they wanted and they told me it was personal matter. I ask ed ifI was bing recorded and I was told I was. I informed they that in MD they had to tell people that according to MD law. I asked for an address to mil a compliant to. The lady started screaming at me. I then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Unable to obtain my credit score for Equifax, nor file. I contacted XXXX XXXX to inform them of the issue and this issue hadnt been resolved. Its been about a couple months or close to year where Im not able to see any information which I do have credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Direct Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This debt collector calls from XXXX and have been calling family members saying I have a debt and if I dont contact them I will be in a legal battle. My family have the recordings and dates of these harassing calls. I have not ever received any letters pertaining to such debt and in addition they address me using my married name which I have stopped using in all legal ways since my divorce 15 yrs ago. 

I did call them today to ask what this is all about and when I mentioned I havent carried that name in 15 yrs this representative wanted me to tell them my date of birth which I refused being they still havent told me the reason of the calls plus told them its illegal to disclose a debt to third parties. This representative cursed me and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called the police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Borrower is in the middle of a purchase transaction and we have been trying to ge t two mo nths stateme nts. 3 weeks  later we still do not have the statem ents. Borrower w ill be loosing his lock and possible the home. Need statement faxed to emailed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: CA
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:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
experian has not investigated my claim referencing the investigation in to  XXXX    XXXX    allegation of my account being deliquent!

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 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
TransUnion, XXXX, XXXX  is allowing XXXX XXXX  Acct # XXXX to report fraudelent information on my Consumer Report which has a damaging affect on my credit worth. Please ask these companies to provide your company with a copy of my XXXX pay history for the months of XXXX & XXXX and pay history for XXXX & XX/XX/XXXX. Please delete this unfair credit reporting from 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 2017-06-09
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This complaint is about my credit score. The  XXXX  companies are  XXXX  and Equifax. I have established and maintained outstanding credit for over 30 years. I 've paid off  XXXX  houses ; bought and paid for several vehicles, appliances. Credit card usage is only 7 %. Otherwise, no problems except  one. I ha ve and outstanding collection in the amount of {$250.00}. By the way the collection is in dispute. Currently my credit scores are  XXXX  and  XXXX  respectively. As you are well aware, these scores are rated fair at best. Also, any loan available to me are at a much elevated interest rate. I spoke to  one of the companies today. I voiced my concerns. Number one, the person on the ph one was unquilified and unable to help me get to the bottom of my complaint. N umber two, I asked to speak to a supervisor but was refused. The refusal, I bilieve, was because th e person on the other end of the phne was sitting in a call center in  XXXX . The crux of my complaint is agencies that collect and report all my financial activity assigns a score that is religiously used by lending institutions. The methodology they use is unregulated and subjective. It suppose to represent an individuals tendency to repay. my track record is stellar. Yet, with a minor deviation I am placed in a high risk pool. Somebody needs to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an account with Citibank. I had to keep the amount for three months. I had to deposit XXXX into the account. I had to keep that amount in the account for three months. At, the end of the three months I should've received XXXX cash bonus. I opened the account in XX/XX/2020. Should've received my deposit in XXXX. I called Citibank over 5 times. They are telling me that the account that I opened doesn't have the correct code.

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 monetary relief
Consumer complaint received 2021-11-12
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX. i purchased some auto parts from XXXX XXXX. I purchased some new seats and controls for my truck. The total charge was to be {$700.00}. The owner said i had to pay {$300.00} to hold the parts then he would charge me the remaining amount after they confirmed they had the parts. It made sense to me. I soon noticed they charged me the same amount of {$300.00} four times on that date and went on to charge me 29 times more. I Called Barclay Credit card and informed them i suspected fraud. By then there had be 7 or 8 charges. The rep told me it was obvious what was going on and that the fraud dept would deal with it but i did not need to cancel my card at this time. After about {$8000.00} in charges Barclay agreed that they should cancel the card and issue another. No parts were ever sent to me. They were supposed to show up as freight on XX/XX/XXXX, signature required. Initially Barclay reversed the charges then later re-billed them to me. I ask several times to talk to an investigator to explain the situation. In order to do this you have to wait on hold for about an hour. This alone is stressful, especially since i have very very XXXX XXXX XXXX. I have never talked to an investigator for fraud from barclay. The owner of XXXX openly joked to me that he got me. I have never received any parts and i have been bill nearly {$9000.00} This is wrong and needs to be addressed. It just seems as if no one is really looking into this. I am a retired XXXX XXXX and i called the auto parts store several times. I called so much he began refusing to talk to me. The owner thinks this is all a joke and mocked me by saying we got your $ XXXX and you aint getting it back. Barclay fraud investigators should be equally as upset as i am. I am insured by law against such charges. What surprises me the most is that no one from Barclay as ever called to ask my side of what happened. Very disgusted in their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescindXXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1600.00}

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 2021-05-17
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital accounts in XXXX TN is trying to collect on a account under my name for the amount of {$430.00} I've reported the account as a fraudulent account about XXXX yrs ago and it still on my credit report. I then told them to send me a credit validation letter. and I haven't heard from them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I got sick with XXXX XXXXXXXX and ended up in the hospital and almost XXXX So my XXXX and XXXX car payments were late. I got them caught up as soon as I was out of the hospital and better. I called Ally Financial 3 months ago asking them to please remove the late payment from my credit report. They said theyd put in a request but Ive never heard back and Ive called but nothing. I disputed with XXXX but Ally didnt do anything to help. Other then these 2 payments Ive not been late. I dont think a little compassion in the middle of a world wide pandemic is too much to ask especially since it almost cost me my life.

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 2017-06-24
Company: Financial Business and Consumer Solutions.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from FBCS Services dated XXXX XXXX XXXX attempting to collect a {$250.00} debt on behalf of XXXX XXXX XXXX. Not only have I never done business with XXXX XXXX XXXX in my life, but the letter is addressed to my middle name. I have not contacted FBCS Services, because this debt collection attempt is fraudulent, and I do not want to them to have my contact information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company committed fraud and identity theft.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
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: Information belongs to someone else

Complaint:
I received a copy of my credit report and noticed fraudulent accounts this is stopping me from obtaining credit.

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 2021-05-17
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/13 M & T Bank closed my savings and checking accounts totaling {$38000.00} without warning or explanation. Two very active accounts with money constantly moving in and out of those accounts just suddenly gone sending me scrambling. I have not received the balances and don't know how or when to expect my money from this institution.

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