BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I sent Equifax a certified letter on XX/XX/XXXX, stating that i was never notify of a few bills that was on my credit report. I discovered this by pulling my credit report.I realized that the bill was mine however, I was never notify of these bills prior to them being added to my credit report. I disputed them with Equifax informing them that I was never given the proper notification from the creditor. I received a letter from the Equifax on XX/XX/XXXX it stated that we verify these items have been reported correctly. This creditor has verify to our company that the balance is being report correctly on all the XXXX XXXX accounts. I never disputed for them to verify the account or verify the balance, I disputed I was never notify of the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I received confirmation of dispute findings which advised that the XXXX account was going to be deleted from my credit file. The XXXX account was deleted however when I called in to address another concern the supervisor I spoke with put the account back on my credit file. I believe she was upset as I advised her that I would be filing a complaint about the concern I had with CFPB. Shortly after hanging up from speaking with the supervisor I received an alert from one of my credit monitoring services advising that an account had been added. When I checked it was the XXXX account which I had not called to discuss this account as it had been removed. Equifax is in violation of the FCRA as they added this account back to my credit report without advising that this was going to happen. I also have a complaint about the XXXX Dept of Education accounts that they keep reporting an additional {$5.00} to the account balance. I have spoken with the Dept of Education and they advised that they would not update the account as it is in the rehab program. Equifax is updating and changing files without the proper information from the credit provider. I plan to contact an attorney to assist with this violation if it is not corrected asap. Equifax needs to be investigated for their behavior and retaliation against those that call them out on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The bankruptcy on my credit report is listed as a Chapter XXXX when a Chapter XXXX was filed on that date. I have asked for them to correct it through the investigation process and Experian either reports back to me that the information is " verified '' and/or refuses to investigate it. 

I have attached one of my Chapter XXXX documents that were filed on the date listed on my report as evidence of the type of filing. I have also attached a brief summary of the situation to confirm the resolution I am seeking.

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 2017-01-06
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX Bank is trying to collect a debt from me that is ot mine. There was a credit card opened in a name, that is not mine, but the person used my information to obtain the credit card and now they are trying to hold me liable. i have been harassed and told that the debt is mine and now t he company changed the name on the account to my name as if it was the name being used the whole time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-11-30
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
My wages started getting garnished from Asset Acceptance for a debt that is past the Statue of Limitation to be garnished. I was not served any court notices or anything. This is illegal and they amount they are stating I owe is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: Law Offices of Palmer, Reifler & Associates, P.A.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
after i was trying to figure out why i got a second notice from a city slicking debt collecting. when i called i got some foreign guy answer the phone EASILY PULLED UP MY FILE ON HIS COMP and i asked him why did i already paid this company ( he said there was XXXX companies XXXX and XXXX XXXX i asked him how is XXXX charging me if i already wennt to jail thats extortion to the max. regardless of what paper i signed. then he said i owed a total of XXXX and that XXXX was charging me 300 and some dollars even thoe i already paid them and took care of them. also XXXX said they would give me a call to come in and talk after i already paid and figure out what we were going to do. that was XXXX 2014 and its now almost XXXX. I also had both the XXXX of my stores pat me on the back and say they are going to call me and we are going to get past this and get me back on the schedule. i told XXXX of those dms today and he acted like this was the XXXX time he heard of it. but back to the debt collector. he started raising his voice at me not letting me get a word in and wouldnt listen to the question i was asking. i asked him several times and he would dodge it. i asked why does it say walmart and he starts talking about XXXX. i asked about gamestop he avoided the question and talked about XXXX qibberish that had nothing to do with case. then when i keep asking questions he started getting loud and yelling at the top of his lungs to call tomorrow then hung up on me. i called again and i got this lovely women on the phone. she said her computers where down even thoe XXXX mins ago he has all my info and the account info pulled up and the all of a sudden their computers dont work? weird. then she randomly hung up on me. then i call back get a supervisor and he answered again, i asked for XXXX and he was like " IS THIS XXXX? STOP CALLING! '' Yelling at me. i said nope this isnt then he started listing off other people asking if i was them and then he just told me to leave him alone and that to call tomorrow to talk to his boss. if his boss hired him in not going to get much accomplished with a loser lawyer. the companies name is PALMER, REIFLER XXXX ASSOCIATES, P.A. By the way i hardly pay debt because most or scams and im not the idiot to buy debt. you have extra money so you just go give it away hoping people will pay you back hahahahahahahahahahahah what a joke

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Listed XXXX XXXX, XXXX, original debtor : HSBC, listed as open account, charged off by original.debtor,, last pd XXXX. Different C/R removal dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have made several attempts over the years to dispute an entry on my credit report. Undereducated about the process, I gave up in trying to remove. I recently have refinanced my house and was questioned by my lender about this company on my credit report again. 
Unable to explain and unable to resolve, this entry contributed to my not qualifying for a lower interest rate costing me more money. I once again sent certified letters and made attempts to seek information from this company who has refused to provide any information to me. They are only demanding I send proof to support it being inaccurate. I obviously have no proof if the debt was never mine. 
The company has further stated, they ca n't understand the nature of my dispute. Hopefully this organization can clarify " the debt is not mine ''. 
According to my credit report this company is using deceptive practices by reporting this debt to the credit reporting agency that this is a factoring account. I do n't have any loans that was sold to this company. 
They further are deceptively listing this as an open account and has entries that state I have been late on many occasions. I have never made a payment to this company. This act appears to be refreshing the credit reporting entry only to create harm to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-25
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Rewards

Complaint:
I inquired about getting a new credit card with American Express. The chief reason why I decided to get a card with them is because there was a possibility I could link up the purchases I made on my corporate credit card to accrue points. I asked them specifically if I were to get a personal american express card would points I make with my corporate credit also count. They asked for my corporate credit card number and assured me that this would be the case and that once I got the approved and received the card to call up their points department to link up the cards to gain both point on my new personal credit card and corporate card. I was very specific, stating this is the only reason I am getting a personal American Express card and they assured me I would have no problem doing so. Once I received the credit card I called up Amex rewards and tried to link the XXXX accounts, but was denied. My corporate credit card has a block on points they informed me. I was furious, because I asked them specifically about it and told them that gaining points on both corporate and personal credit card purchases was the only reason I got the card. They lied to me to get me their credit card. I filed a complaint twice with Amex and there has been no follow up over the course of 7 business days. They intenitionally deceived me into getting their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The status of the payment history on my Mortgage account is incorrect. 
Hi. My issue concerns the lack of accurate and proper reporting of payments on my credit report. I have never been late with my payments. I have actually paid 90 % of them early. This is concerning my Mortgage payment history with a company named XXXX XXXX XXXX ( XXXX ). Once again, I have never been late with even a single payment to them. However, XXXX has reported me as being late 9 times and at 180 days late on each XXXX. I have receipts for each and every XXXX of them to prove it too. I am including them. There are no late payments at all what so ever from the time the mortgage was originated in XXXX until right now. Not a single XXXX. These inaccurate and derogatory payment history reports need to be removed and corrected immediately. I have tried to resolve this very simple and easily solved issue for more than a year at this point between XXXX and the Credit Reporting Agencies. XXXX stated in XXXX to the CFPB that XXXX is reporting correctly and it was the Credit Bureaus that are making the mistake and reporting it incorrectly. 
Having XXXX day undeserved late marks on my credit history is absolutely devastating my score, my ability to gain other or build other credit, my ability to create seasoned accounts/length of time, stripping me of the security of having credit cards or gaining access to loans should any kind of life emergency take place and the list goes on. It is also serving to make it even harder to gain access to a decent Mortgage Lender or Mortgage Rate and get away from XXXX too. 
I am submitting The original Mortgage Docs which clearly state that payments are due on the XXXX of the month and that the payments start on XXXX XXXX XXXX. I am also including the letter of transfer from XXXX stating that all payments made on or after XXXX and on will be made to XXXX. ALL payments have been made on time or early the entire time. I am including copies of the receipts of every last single XXXX of them.One may go through from front to back.back to front or however one would like and will see very easily that all of the payments were made on time or early. Next months Mortgage payment will also be made over 2 weeks early ( XXXX XXXX ). This issue has stopped me from moving forward and caused a lot of damage. The time is lost, it can not be fixed. It can never be gotten back. This issue needs to be resolved and reported correctly immediately. I have all of the proof in the world that I have made my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hard credit inquiry in my Equifax credit report from XXXX XXXX dated XXXX XXXX, 2016 does n't belong to me. I contact XXXX XXXX and notify the fraudulent inquiry on my report. Also, initiate a dispute with Equifax and they stay that I have to file a police report or wait two years in order to delete that inquiry from my credit report. Please help me. Thank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have full or Part time status in XXXX school and received an email from Navient to check my account. When I checked my account, I noticed I was two months past due with a late charge. I called Navient and spoke with a representative and advised him that I was still in school. He explained the he did not receive any information from the school. I explained to him that can not be the case since XXXX XXXX received the information that I 'm in school. I advised him that I could not afford and should not have to afford the payment if I 'm still in school and was advised that he could not do anything for me. 
My question is and correct me if I 'm wrong, Does n't Federal Law state that if you 're in school full or part time, you student loans will remain in Forbearance? If so, how and why am I being assisted charges? I have read over XXXX reviews about Navient and there is nothing positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am a victim of identity theft. There is Fraudulent Information on Credit Reports which were made without my knowledge or permission. 
But Credit Bureaus have failed to give me investigation result

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i was renting spot from a man to open a XXXX i pay him first month and a deposit i start open my place on the first month from the first day to the XXXX of the month my place was stolen five times they make me going out stock less in a month i have to move out and lost the place because i cant keep up now the landloard report me to the agency XXXX dollar dont know why kindly asking for help with this man please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Pressler and Pressler , LLP sent me a letter dated XX/XX/XXXX stating 1 ) they had been retained by XXXX XXXX, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XX/XX/XXXX. In that letter, I asked Pressler and Pressler , LLP to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by Pressler and Pressler , LLP approximately one week later. 

XXXX. I also pulled down my credit report and saw that this debt had been charged off. 

XXXX. I was served with a lawsuit on XX/XX/XXXX by Pressler and Pressler , LLP regarding this matter. 

ISSUE : This firm stated they were retained by XXXX XXXX. That claim is patently false, since the debt was charged off. If XXXX XXXX was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by Pressler and Pressler , LLP in the letter are fraudulent and misleading, and intended to intimidate. Further, Pressler and Pressler , LLP has extended this fraud into court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
TransUnion is reporting opened date and payment history in this account XXXX XXXX XXXX wrong, since this is inaccurate reporting please remove this account 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 explanation
Consumer complaint received 2023-08-31
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
On XXXX I signed up for a Loan with OneMain Financial for XXXX and they told me that they will pay two of my credit cards ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), I sent to them both of the Statements. They sent both of check supposedly to the address shows on the statements. XXXX XXXX XXXX  check arrived within 10 days and was cleared, the XXXXXXXX XXXX  after two months check never arrived and after back and forth they sent me the check and I told them was made to a different Company and they claim that was the same on my statement and I told them that they don't have another name, the company they made the check to is a telecommunications company nothing related to the credit card, I see this a a fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-10
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Fraudulent check cashed on my checking account for XXXX dollars. Can not access my credit report and look for further fraud. Unable to speak to a live person. Unable to place fraud alert for same reason.

Company response to consumer: Closed with explanation