BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XX/XX/2016 I sent Equifax a notarized letter that there were inquiries on my account that I did not verify and did not recognize. I gave them a list of companies that I never asked to verify my credit. I requested that they verify the accounts and send me verifiable proof with my signature. They replied that the inquiries were verified but did not provide me with a verifiable signature from me authorizing the companies to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Checkr, Inc
State: IL
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 have been waiting on a background check to be completed with Checkr for 1 month and 2 weeks. Because this background check is critical to my finances Checkr is damaging me financially. I am requesting Checkr to complete my background check immediately. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I asked for Citi to make a payment from an external account that didn't have enough funds. 
After initial attempt Citi made a XXXX  attempt, without my permission, and I called to stop payment and was told that I can not do that for XXXX XXXX. I asked if Citi would attempt to withdraw XXXX  more times, incurring more external bank fees and Citi fees. The representative wouldn't answer and kept reading off prompts that didn't apply. 
Citi attempted to withdraw XXXX times, without my permission, on XX/XX/XXXX and XX/XX/XXXX and incurred an additional {$60.00} in insufficient funds fees from the outside bank. 
I called Citi to get the {$60.00} paid to me since I made every attempt to avoid them. After I told the representative I was looking for a refund Citibank, the XXXX largest bank in the XXXX, said they were having issues and can't access the credit card records and I will have to call again later.

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 2016-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have submitted information to correct my employer 's information and as one can clearly see they list my work in XXXX Instead of XXXX. My second issue is that I use my middle initial and not my full middle name. My third issue is that I was denied a credit card through XXXX and was denied due to not having sufficient number of accounts. I also have accounts with XXXX and XXXX Gasoline which is not on the reports. XXXX of the bureaus does not list a previous account with the XXXX which is paid up. It is frustrating dealing with and attempting to dispute and clarify the above issues. I am also attempting to determine when I requested a credit report from the bureaus. I prefer to have them sent by mail and not through the internet as I then have a copy for reference, particularly if I do not have the luxury of a printer or if there is an issue with obtaining the copy. Once the information is lost, it is lost. Also, have tried to find the credit reporting agency that submits the information to the bureaus in order to expedite and correct these issues with no luck. Please advise. Thank you for your understanding and assistance in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 'm asking you to please investigate Equifax credit reporting agency I have sent them countless dispute letter via certified mail asking them to please send me copies of of any of the original documentation required under the section 609 ( a ) ( 1 ) ( a ) & Section 611 ( a ) ( 1 ) ( a ) a consumer contract with my signature on it and Section 611 ( 5 ) A ) OF THE FCRA they are required to promptly delete all infoation which they can not be verified the law iis very clear as to the civil liability Equifax has updated all the account that I requested This is a federal crime and Equifax is in serious Violation I 'm giving them the chance to send me the required documents or else I will file suit ... .. I asked if you could please ask Equifax to fax over the req documents as I requested OF THEM!! 
XXXX XXXX ACCOUNT WITH DIFFERENT ACCOUNT NUMBER XXXX XXXX XXXX XXXX CLOSED ACCOUNT XXXX ACCOUNT XXXX ALL NONE ACCOUNTS HOLDING INQUIRES OVER 30 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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 have contacted XXXX and equifax and they have not corrected a collection account that does not belong to me. I dont have money to subscribe to their membership. I already pay for XXXX with XXXX. XXXX opened a fraudulent account and has not been able to prove its legitimacy. XXXX and equifax need to remove this collection account under identity theft rights. These companies do not show a security freeze for identity theft despite my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Riverwalk Financial Corporation
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: Account information incorrect

Complaint:
Reference : XXXX, XXXX and XXXX # XXXX XXXX XXXX XXXX XXXX TX This company is reporting that I owe them almost {$4000.00} for XXXX XXXX XXXX opened in XX/XX/2018 1 ) I have NEVER attended this school 2 ) I do not have any student loans with XXXX XXXX XXXX. 
3 ) XXXX schools across the country was CLOSED by the federal government several years ago for procuring fraudulent student loans under unsuspecting individuals names. 


# 2 XXXX XXXX XXXX This company is reporting that I have a 'closed ' student loan account with them that is 119 days past due. 

1 ) I have NEVER attended any school that has a loan with them.

2 ) I do not have any school accounts.

This two companies above are reporting fraudulent accounts. Both need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Last week I received an email from Experian stating my report has been updated. When I logged in their website I found a Debt Collector XXXX claiming I owe {$300.00} and this amount they stated came from XXXX XXXX XXXX. Immediately I filed a dispute with Experian within its own website. 
I have to said this issue has been resolved last XX/XX/2020 because the fact never I owe any money to XXXX XXXX XXXX. I'm enclosing documents in regards Experian should respond to the inquire because this alleged Debt Collector did the report to them directly without even notify me. Please look CFPB Inquire # XXXX along with the dispute debt collection letters I attach it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-27
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After a month long ordeal of begging Ditech to pay our property taxes from our escrow account and having to prove our property was indeed the size the signed mortgage and deed says it is, Ditech told us on XXXX XXXX, 2016 when we called in the morning that our already past due taxes would be paid to our township. We received a tracking number from XXXX for an envelope that was never shipped and was made on XXXX XXXX. We called Monday, Thursday, Friday and Saturday during the week on XXXX XXXX asking when our tax payment would be sent and notified them that the taxes are past due and will be turned over to our county on XXXX XXXX with additional late fees and a lien will be placed on our home. The lien could cause a ding on our perfect credit. The taxes are still not paid and funds were removed from our escrow account to cut the checks for the payments that were never sented. We have a previous complaint for this issue with the CFPB and Ditech was sent an official notice of error. 

Ditech has been provided with tax bills and contact information for our township.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Di tech has repeatedly called me at work when I have asked the calls to stop. They call me After I already tell them that the payments are made via bill pay. And continue to call me after I have already made arrangements to pay. In addition several Threatening messages have been left on my cell phone. When trying to make payment arrangements they insist on me using their pay by phone service which has a fee associated to it. My account also has an " Unapplied ballance '' of more than the amount of the payment owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Regional Management Corporation
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:
XXXX Submitted a reply to Regional Finance because they have defaulted on providing consumer validation on an alleged debt. On XX/XX/2022 regional finance was given a cease and desist and an opt out request for arbitration along with validation questions that Must be answered under FDCPA XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX regional finance failed to provide any required documents to consumer during the XXXX XXXX  discovery period. However regional finances branch XXXX breached consumers cease and desist by responding on XX/XX/XXXX of XXXX a statement requesting payment from consumer without validating the debt. Therefore consumer is now providing debt collector regional finance XXXX business XXXX from the date of certified mail an opportunity to cure the account by XXXX out the balance on the account and all consumers personal information in regards to the alleged debt and a copy sent to the consumer of deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
Company has not concluded an investigation and it has been well over 30 days. Thye continue to leave incorrect and unverified information on my credit report. They also have addresses on my report that I never lived at. Please do something about this!

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 2022-11-07
Company: Advanced Resolution Services Inc.
State: IL
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:
ADVANCED RESOLUTION SERVICES , INC., a financial institution and credit reporting agency operating in commerce for profit by assuming the role of furnishing and reporting consumer data, has obtained possession of my personal identifying information from the data furnisher ( XXXX XXXX, XXXX ), and is now complicit in the willful act of engaging in UNAUTHORIZED USE of my personal identifying information by reporting and sharing the unauthorized information to various financial institutions absent my expressed written permission, consent, instruction, or authority. 

This unauthorized use of my personal identifying information constitutes " Identity Theft '' as defined by 12 CFR 1022.3 ( h ) and 17 CFR 248.201 ( b ) ( 9 ), and is in clear violation of 15 USC 1681b ( a ) ( 2 ) having no permissible purpose or authorization. Under the FCRA, Bankruptcies are to be EXCLUDED from a consumer report in accordance with 15 USC 1681c ( a ). ADVANCED RESOLUTION SERVICES , INC, acting as both a credit reporting agency and a financial institution, has a fiduciary obligation and responsibility to comply with the FCRA section 15 USC 1681c-2 ( a ) in the interest of the consumer by deleting the unauthorized information no later than 4 business days after receipt and delivery of the notice.

I demand this agency to cease furnishing the information provided below in respect of my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2016 XX/XX/2016 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Mid-Atlantic Finance Co., Inc.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My daughter bought a car from a buy here pay here lot called XXXX XXXX XXXX in XXXX, TN. in which I was told that I should sign on so that her payments and insurance would be much lower. After having the car for approximately XXXX weeks I began to get collection calls from Mid Atlantic Finance. I explained to the representatives that I did not have a contract for a automotive loan with them and neither did my daughter. The representative told me that they now owned the vehicle that my daughter had been paying XXXX XXXX XXXX for. They said that XXXX XXXX XXXX had sold them ownership of the car and that we needed to send them {$900.00}. I explained to the representative that until I received copies of the contracts and had agreed to them I was not sending them any money, because the {$900.00} worth of payments had been paid to the original lender. After that my daughter and I began to be harassed by phone continuously. No contracts where ever sent to me or proof that they owned the car or car loan. We contacted XXXX XXXX and was told that they thought it was okay to sale the loan to Mid Atlantic. They also stated that all payments had forwarded to Mid Atlantic and we should not be behind at all on the payments. Approximately a week later our daughter went to stay all night with a family member. The vehicle was pulled into a gated and locked fence on the property, but when she got up the next morning the gate was cut open and the vehicle was gone. When the police was called they told us the vehicle was repossessed by Mid Atlantic Finance Company and that we should make contact with them. When we contacted them we where told the car was already taken to the car auction in XXXX, TN. and would be sold the next day. We have only been contacted once since then with a letter telling us that we still owed approximately {$4000.00}. I have requested by certified mail a copy of any so called contracts they have or for them to remove this debt from both my and my daughters credit reports. I have never received any proof that this debt is owed to them or that I signed any contracts with this company. I was also told by XXXX XXXX that selling without knowledge was something they have done for years.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
In mid XXXX, a little more than XXXX weeks before my payment was due ( and end of a promotional finance period ), I started an online balance transfer process from my XXXX XXXX Bank and XXXX XXXX XXXX  account ( they partner with XXXX XXXX ) to my account at XXXX XXXX XXXX ( they partner with Comenity Capital Bank ) in the amount of {$12000.00} ( that would have paid off my balance ). At the end of XXXX, I contacted XXXX  when I noticed that a XXXX balance transfer I did several days later ( also from XXXX XXXX but to another company ) had been processed before my one with XXXX. At that point they said that payment hadn't been received yet and I kind of forgot about it as I was going on vacation. On XX/XX/XXXX, I received a phone call from XXXX saying that payment hadn't been received. In several phone calls with XXXX XXXX and XXXX, we worked out that the first check ( that had to be mailed, XXXX doesn't accept electronic transfers from XXXX for some ungodly reason ) would be cancelled and a new one issued, and that a promise to pay was made with XXXX  for {$12000.00}. It was established that any deferred interest that accrues could be discussed once payment was received. After verifying the correct mailing address and account info, a check was supposed to be issued soon. For some reason, a check wasn't issued by XXXX until XX/XX/XXXX or XXXX. It was posted to my XXXX account on XX/XX/XXXX. After several phone calls the morning of the XX/XX/XXXX to XXXX, they are refusing to work with me on the deferred interest charges ( of about {$1200.00} ). I have XXXX late payments in my credit history and I believe I have acted in good faith. The checks I wrote for the previous XXXX payments I made to XXXX had no issue being received/processed in the approximately XXXX weeks I get between receiving my statement and payment being due. There is XXXX reason to think it should take more time for a balance transfer between XXXX financial institutions in 2022. 
As a note, I only have billing statements from XXXX. XXXX and XXXX have the recorded phone calls. I have no other paperwork to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Concord Resolution Inc (Closed)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
This has been going on for three ( 3 ) years, and I have filed more than a dozen complaints against various companies for fraudulent attempts to collect a phantom debt related to a payday loan that never took place. 

Concord Resolution is the latest company that is calling me, and their robocalls are replete with violations. 
1. The caller is not identified in 4 of 6 messages. 
2. None of the calls inform me of an attempt to collect a debt. 
3. All messages indicate I have done something that is subject to legal action. At least one recording suggests I have my attorney return the call. 
4. All are robocalls to my cell phone, and my number has been registered on the National Do Not Call List since XXXX XXXX. 

This non-existent debt was a product of the XXXX XXXX Scam in XXXX XXXX, and these calls have continued since then. The money these scammers are trying to collect was never borrowed by me, and it was never owed by me. 

I am attaching six ( 6 ) voicemails I received within 2 weeks. All six recordings include my first and last name to identify me, yet 4 of 6 calls do not identify the company leaving the message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: CL Holdings LLC
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 on several occasions reached out to ask this company to verify a debt, they claim belongs to me as me and my son have the same name. He is a junior and I am senior. Thye continue to say its verified and I ask for something to prove this. I have yet to receive anything from them. Please send something verifying that this account belongs to me or remove it from all my credit reports. 
Please do not continue to ignore this request. I dont want something on my credit report that doesnt belong to meet and continues to hurt my credit. 

Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
So somebody got a car in my name it was paid for I spoke with Experian XXXX customer service line and they said I got a car I was like what I don't even drive. So basically I know I'm being frauded and it's messing up my credit please my name is XXXX XXXX please help

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 2021-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 currently have a credit card with Bank of America and they are refusing to refund me money for a flight that was cancelled by airline due to covid. I have called the merchant and bank on various occasions and the bank said that my funds are being held because it is under review. I started the claim in XXXX of XXXX and they are not able to provide me with a resolution or able to give me a date of when I will get the funds returned. 

I would like to note that I dont have any outstanding balances on the card and all my payments are current.

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