BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: Experian Information Solutions 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:
I asked to have an account with XXXX verified ( {$4600.00} ) as I could not contact the creditor to verify the loan amount reported. I found out recently this company/creditor does not exist and the account is still not verified or updated with accurate information by the credit bureau . Other credit bureaus have removed this information due to inability to verify accurate information.

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 2023-01-30
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
New Jersey Higher Education offset my taxes between XXXX. Unsure of the exact date, I tried for weeks to talk with someone from the IRS, they are the worse, it's impossible to speak to anyone there. I tried calling the NJ Higher Education and I keep being transferred to XXXX XXXXXXXX XXXX. When I spoke with XXXX they were so nasty and disrespectful towards me. I never received a letter of my debt of settlement paid in full. Yet, somehow XXXX is claiming that I owe them. The student loan was from XXXX. This is affecting my credit, this debt is not valid. Here we have NJ offset my taxes and now XXXX is trying to claim money from me. These practices are beyond unlawful how I was never notified they even had my account. An account that is closed, that should be closed. Please help me, I'm in the process of being a first time home owner and this is hindering me from achieving my dream. I want their scheming to CEASE AND DESIST!!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Phillips & Cohen Associates, Ltd.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX Office of Personnel Management was hacked in which thousands of DoD employees information was stolen, I am one of those victims. I and my wife were both formally notified by the XXXX of the incident and given identity protection for two years. Beginning in midXXXX through now my wife and I have both been the victim of several credit theft with several attempts at withdrawing money from our savings account and attempting to open new credit cards through our bank, XXXX. Around XXXX XXXX I received a bill from XXXXXXXX XXXX XXXX claiming I open an account and now I owe them {$690.00}. I called their customer service several times and all they could tell me is I owe them money for an unknown purchase. I never requested a XXXX credit card ; I never received a XXXX credit card or monthly bill. 

XXXX is now harassing me with constant demand letters from debt collectors such as XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I have responded to each demand letter and all that XXXX does is utilize a different collection agency. 

I'm also receiving debt demand letters for an induvial who I don't know and does not live at my address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: ENCORE CAPITAL GROUP INC.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Original Creditor - XXXX XXXXXXXX XXXX XXXX 
Collection Agency - Midland Credit Management Date opened XX/XX/2020 Balance - XXXX This is fraud I have never heard of XXXX XXXX XXXX Linked information to fraud card XXXX XXXX XXXX XXXX XXXX, Utah XXXX Midland would not disclose the phone number liked to the account but confirmed that it was not my number. 

I have lived at XXXX XXXX XXXX XXXX Utah my entire life and never have received anything from XXXX XXXX or midland credit management. 

I was first aware of this fraud a year ago when applying for a loan at XXXX XXXX XXXX XXXX, I did not have the means nor knowledge to dispute this until of now. 

Most importantly I was Incarcerated in XXXX County Jail prior to XX/XX/2020 My email is XXXX My number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: AL
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:
The inquiries listed in my report were unauthorized XXXX requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged VAT for a rental car in XXXX. I am an American citizen. Tourists are exempt from VAT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX Account XXXX I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX XXXX Balance : {$1700.00}

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name / Account Number XXXX. 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  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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
All of my personal information was hacked into and I am receiving constant emails about loan applications and credit card inquiries. I did not give my permission for this to happen. I have damages to my vehicle due to authorized repairs that I did not approve as well. My email and phone number are completely compromised. My phone carrier is XXXX  XXXX and they have allowed another person to have full access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: EQUIFAX, INC.
State: TN
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:
i call the credit burea u  XX/2016  and  spoken will with upper management i ask about my report i was told their was only just  XXXX  item on my report and i pull my self the only item that was listed on report was a fed loan no public record or anything else all this inaccurate was remove from my file and i check again so month later these things reappear by law sectio n 6-11 of the  fair credit reporting act if item has been remove from credit reporting you must receive a letter within 5 days notification if item would be replace back on report here is item that was remove  XXXX   XXXX   XXXX , Tn Fed Bankrupt, Tn Fed Bankrupt, Tn Fed Bankrupt these  XXXX  was in public record, Mississippi Div

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Filed a dispute with the 3 credit companies last year. they didn't remove everything. I've had problems trying to get credit because the stuff is still showing up on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have file a dispute in regards to the incorrect item on my credit report with TransUnion, and it has been well over 30 days and I haven't received any accurate investigation results or any verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for this account.

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 2018-05-26
Company: Credit Karma, LLC
State: MA
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:
On XX/XX/XXXX I paid off my loan down to a zero balance. I repeatedly asked the CS rep was this all I owed, she double checked and said yes. Since then, I've been going back and forth with the XXXX XXXX XXXX XXXX about my credit report. The listed on my report that I owed {$1.00}, when in fact, it is paid off. I disputed it with all 3 credit bureaus, who then reported that it was in fact paid off according to XXXX, who informed me of the same thing. The very next month, the XXXX went back and posted that I owed {$1.00}. I disputed it again, and again the changes it to a XXXX   balance, but refuses to mark the account as paid off. Instead they have the " current status '' as in collections. It needs to read paid as a current status. My next step is to hire an attorney if you can not correct this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: CITIBANK, N.A.
State: WY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX a transaction was made for services which were either not provided or provided deceptively. A/C was not working and XXXX XXXX informed me they found the leak causing my problem and a bad capacitor. I paid for the service and a maintenance program offered by XXXX XXXX. The very next day the same problems with A/C and they come out again and supposedly fix. Goes out the very next day again, I call another company and they look at my unit. Turns out there was a fairly large and obvious pin hole in the Evaporator Coil inside the home and the old capacitor was not even bad, but I needed to replace the system due to the evap coil being bad and I had an R22 compressor unit that needed to be switched to 410a refrigerant with an evap coil change at about {$3000.00} which I had done. XXXX XXXX did not look inside the home at the evaporator coil nor provide services signed up for under a 12 month maintenance contract. When I called to inquire about the issues I was told they no longer provide HVAC services and all my concerns would be sent to the President of the company XXXX XXXX. This particular conversation has been included. 

I never receive a call back from XXXX XXXX but he finally responds back via email where he states my money will be refunded.He does not refund the money and I forward the emails to CITI BEST BUY to prove the promised refund by the president of the company and in a 2nd letter dated XX/XX/XXXX they state I did not provide a full response to their request and sided against me in the dispute. The attached email chain shows that CITI was provided with more then enough information to refund the {$610.00} and side on my favor.

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 2022-08-03
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ACCORDING TO THE BANKRUPTCY COURT THEY ARE NOT REPORTING ANY BANKRUPTCIES AND THEY DON'T HANDLE IT BUT WHY ARE YOU REPORTING THIS BANKRUPTCY ON MY CREDIT REPORT?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was told the account would have checks provided when I opened it and they were never sent. I called to get later and they said it would be {$17.00} for checks.

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 2017-04-26
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A company called "  Jefferson Capital Systems ' ' is trying to collect a debt. They call my place of employment literally every day. I wrote them a letter to stop contacting me at my place of employment. They continued to call me at my employment plus leaving messages as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In  XXXX   XXXX  we received the first piece of communication, in some 4 years, fro m SLS ( S  pecialized Loan Servicing ) r egarding our second mortgage on our home, stating that we were approximately {$6000.00} in arrears, demanding payment or foreclosure proceedings would be initiated. We had diligently made every payment to this servicing company that had taken over our second mortgage, even though they refused to communicate with us since  XXXX  of  XXXX , when we had been forced to file personal bankruptcy. We made call after call to SLS to try and determine what was going on but they refused to speak with us and finally we were forced to have our bankruptcy attorney call, at which time they advised us that the loan had reach a point of re-amortization in  XXXX   XXXX , and the payment had changed from {$250.00} to {$820.00} per month. In any case we paid the arrears amount immediately and began looking to refinance our mortgage. SLS unfortunately has taken this opportunity to report erroneous negative information on our credit report and to other mortgage lenders seeking a payment history. We strongly assert that we did not receive any notice of changes to our mortgage payment leading up to the  XXXX   XXXX  change, nor did we receive a single notice of a shortage from  XXXX   XXXX  - XXXX   XXXX . I ca n't see any reason why we should be penalized when SLS clearly did not follow the law regarding a change notice, nor did they make any attempt to contact us when they saw we were making the same payment we had for the last 10 years, instead of the re-amortized payment amount.   I asked SLS today why they did not send us any notifications, and they state that they did, on  3  occasions. I am old school. I read the newspaper ever day. I read all of my mail every day. I know that it is not possible that SLS could have s ent 3 notices and I would not have seen any 1 of the m. Our phone number has been the same since we bought this house as well. We have not received a single phone call or message from SLS regarding this or any other matter. I asked if any of their communication was sent as registered mail, and of course their answer was no. We received no communication and no documentation, period.

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 2017-04-26
Company: BlueChip Financial
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was paying them off, I owed {$410.00}, I was going to pay {$200.00} on  XXXX  but they said it had to be in  XXXX . Someone from  XXXX  called and blocked their # and said call  XXXX , they were with  XXXX  County and were going to serve me with papers tomorrow between  XXXX  and  XXXX  and I must have a valid government issued ID. I called  XXXX  County Court s ( Civil and Circuit ) and a sked if they had any cases with my name, they both said no. I called the  XXXX  number and asked who it was they said  XXXX , I asked why there were representing themselves as  XXXX  County and they said they were retained by Spot Loan but now the case has left their office and I better pay Spot Loan before they take further legal action. I 'm sure I have paid them way more then the original principle.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit XXXX did not provide proof of the collection. They are always rude and only want to collect money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: BARCLAYS BANK DELAWARE
State: NH
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:
This morning,  X/XX/17    i received a call from someone alleging to be with Barclay Bank wanting to discuss my credit cards and credit report over the phone. I refused and called back to see if this was legit. I was transferred to a credit counselor who inforamed that Barclay had cut my credit line by 50 % for no apparent reason. I have  XXXX  accounts in excellent standing and have never gone over the limit, been late missed payments or anything. My accounts have been perfectly maintained and by Barclay doing this it hurts my credit by making it appear i am using more of my credit than i actually am. I calle d 3 s eparate times asking for corporate headquarter contact information and the reps, on a recorded line, each time refused to provide me with that information. When i called up to cancel all  XXXX  accounts i was put on indefinite hold. Keep in mind these accounts have all been in excellent standing and they have acted to hurt my credit without cause.

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