BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-09
Company: The CBE Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I been harsed that the company has contacted my employer and said that I have a bad debit the company name is c b e group address XXXX XXXX XXXX XXXX Iowa zip XXXX account number that I have no knowledge of is XXXX this debit does not belong to me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: MD
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 and XXXX  Accounts : XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acc # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXXXXXX  Acct # XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 602 A Section 2. It Also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.

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 an account without my written instructions.

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 2017-06-28
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
So I have been in the process of obtaining a mortgage to purchase the home I currently live in at XXXX XXXX XXXX. For 3 weeks now now my mortgage broker has been unable to pull a credit score for me from Equifax ( despite having credit established for several years ). Calling Equifax and as told by my mortgage broker I likely had some incorrect personal information in my Equifax report, in order to clear that up I was told by Equifax to submit by facsimile a copy of my current drivers license and social security card. On XXXX XXXX I submitted the requested documents ( copy of ID and social security ) by fax, on XX/XX/XXXX I followed up on my submissions and called to confirm that has been received. I was told they were under heavy load and that documents could take up to a week to process, but could not be told if they were indeed received so I resubmitted the documents by fax on this date as well. I followed up again a week later on XX/XX/XXXX ( now almost 2 weeks from the first submission of these documents ). I was told the same thing and suggested that I mail in the documents ( not sure why that should be necessary or the corrective process be constrained to something so slow, especially when faxing was an option stated by Equifax representative for resolution ). On Sunday XX/XX/XXXXI faxed the documents again, hoping they would be less buried in submissions if sent on an off day. Following up today on XX/XX/XXXX I was told something worrying, that they could not pull a file on me and that perhaps my lending institutions had not submitted their reports to Equifax ( the other bureaus have my score, and no problems with access to my file ). Calling one of my lending institutions ( XXXX XXXX ) I was assured that these reports are submitted monthly. This information also worries me because I may not be able to request a credit report that does not exist this is costing me a great deal of time, and I would also like some advice, should I submit to Equifax the requested documents by mail? And should I initiate a request for me free credit report by mail from them? May that accelerate resolution of this issue? Equifax Customer support line is basically a brick wall, and there is no way to escalate the issue resolution to a level where a solution can take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I AM A VICTIM OF IDENTITY THEFT AND I BELIEVE THERE ARE JUST INCORRECT ADDRESSES ON MY CREDIT REPORT WHERE I NEVER LIVE, NOR DID COMMERCIAL TRANSACTIONS THERE. I REQUEST TO ALL THE CREDIT BUREAUS TO REMOVE THEM. SOME TIMES THEY SAY OK AND SOMETIMES THEY SAY WE CANT. BUT THE HAVE NEVER BEEN REMOVE. CERTAIN ADDRESSES HAVE STOP ME FROM BEING ABLE TO RECIEVE CREDIT DUE TO FRAUDULENT ACTIVITIES. COMPANIES LIKE XXXX XXXX XXXX, XXXX AND CREDIT CARD COMPANIES HAVE STOP ME FROM GETTING CREDIT BASE ON THE FRAUDULENT ADDRESSES AND PHONE NUMBERS ON FILE.

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 2019-07-25
Company: National Debt Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They have been contacting my friend who has absolutely nothing to do with my loan, the same collector is threatening to come to my address

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Diversified Consultants, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After several missed calls I spoke to a live person. I informed this person that my phone number used to be someone else 's number and that it is not my debt. The person stated they would take the number off of the account. That was several months ago. They have not stopped calling. Most recent calls were today at about XXXX XXXX, Monday ( XX/XX/19 ) and Friday ( XX/XX/19 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
THE ACCOUNT DISPUTE HAS BEEN DISCHARGED AND I AM NO LONGER LIABLE TO THIS ACCOUNT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Siggi LLC
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:
The company reported to both XXXX  and XXXX  that my payments were late from XX/XX/XXXX-XX/XX/XXXX, three times as late by XXXX days then twice as late by 60-89 days late. I had paid on this loan within the XXXX day mark mid-month and paid it in full XXXX. Originally, this company re [ ported my account current but then when I received the 60-89 days late status to XXXX  and sought an investigation, the company retracted my current status ' from XX/XX/XXXX-XX/XX/XXXXas late for all three months, thus prompting me to believe this was in retribution. I paid this on this account XXXX  XXXX to cover any late fees and past due balances to ensure my account was not only paid for said month but had enough to be extra careful. Furthermore, I had taken on a new loan late XX/XX/XXXX ; said company is still reporting on my past loan ( the one I was just discussing ) and decided to report my status as 60-89 days late when I have a new loan established. My complaint is as follows : 1. My account balance was current for the months of XX/XX/XXXXand XX/XX/XXXX. 2. My account was not delinquent by 60-89 for XX/XX/XXXXand now, XX/XX/XXXX. I paid off my loan in full and closed the account during XX/XX/XXXX; my new loan was just establishedXX/XX/XXXX and was absolutely current for XX/XX/XXXX. I spoke with a company representative and asked for COVID impact relief over a late payment from XX/XX/XXXX, to which they said they would not offer. They did not take into account my active military status and would not offer any assistance. This is also the case for all this malice and everchanging credit reporting going on currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Experian Information Solutions Inc.
State: OR
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 am writing to file a complaint about Experian. I am preparing to buy a house. On XX/XX/2019, my lender ran a credit report and found a fraudulent charge. XXXX XXXX XXXX claimed I had an outstanding bill to XXXX of {$5500.00} that was sent to the collection agency. I have never used XXXX. I disputed it, thinking it would be simple for them to investigate and close, considering I have never used the service. On XX/XX/2019, I received a message from Experian saying that the charge is accurate. I don't know how to prove that it isn't, considering I have no knowledge of this account, I've never used XXXX, and the charge is not mine. I very much need this fraudulent charge removed 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 non-monetary relief
Consumer complaint received 2019-07-25
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They have been contacting my friend who has absolutely nothing to do with my loan, the same collector is threatening to come to my address

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am unable to contact my student loan servicer provider after the loan was acquired by a new firm. I had dialed the number that was provided by XXXX however due to a recording that stated my hold time would be 28 mins - 121 mins I had requested a call back ( per their automated system ) however the company has failed to return any calls. The company is Heartland ECSI tele XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EIC Enterprises
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
For the past month, I have been receiving hang up phone calls from this company harrassing me about my payment for my loan. Due to unforeseen circumstances, I have been unable to keep with my payments and have enlisted the assistance of a company called XXXX XXXX XXXX to help me with my account with next loan. I notified next loan and told them that I was working with XXXX XXXX XXXX and was told that my account would be notated and that they would contact XXXX XXXX and not me. I was told by my representative at XXXX XXXX, that if any of my creditors that were on my program with them contact me, to let them know that I was working with them and that any and all correspondence was to go through them. 

This evening I got an email from Next Loan stating that due to my refusal to set up payment arrangements and due to their numerous attempts at trying to contact me ( they have not tried to contact me by phone as the only calls that I receive are from " private numbers '' that I screen and do not answer. They are now " referring collection of my loan to a third party voluntary wage assignment collections agency '' I do NOT give permission for any of my wages to be garnished as I am a caregiver to a XXXX parent and the only breadwinner. I will be contacting XXXX XXXX XXXX to let them know of this, but I want this harassment to cease and decease. I have done my due diligence in letting all of my creditors know that I am working with an outside debt counseling center. This email is very threatening and I do not appreciate the fact that I let nextloan know of my working with XXXX XXXX and they continue to harassing and try to intimidate me. Below is the email that I received : Hello XXXX XXXX, Please be advised that our attempts to contact you by phone, e-mail, and/or other means to make required payment arrangements in satisfaction of your outstanding loan balance have been unsuccessful. As you may recall, you authorized us to perform voluntary wage assignment. This email will serve as formal notice that we are referring collection of your loan to our third-party voluntary wage assignment collections agency. 
If you wish to avoid this form of collection, you may contact us immediately by calling Next Loan at XXXX. Our account representatives are available Mon-Fri XXXX XXXX XXXX ( EST ). 
Finance Dept. 
Next Loan AGAIN, I DID NOT AUTHORIZE THEM TO PERFORM ANY SORT OF VOLUNTARY WAGE ASSIGNMENT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
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:
My credit reporting for XXXX XXXX XXXX and XXXX XXXX - both closed accounts. It has been over 7 years since paid late, although the credit late payments are now recorded incorrectly. <P/>Yet they are on my credit as over 120 days late. I can not get credit because of this old credit that should be removed. <P/>Additionally, the XXXX account for {$8000.00} on XXXX is a duplicate account ONLY WITH DEROGATORY PAYMENT HISTORY. FALSE REPORTING. <P/>I 'm not as important to them although I am a paying member of these credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights.

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 an account without my written instructions.

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 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX , There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 non-monetary relief
Consumer complaint received 2017-10-18
Company: LEXISNEXIS
State: TX
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:
LexisNexis is reporting a Chapter XXXX bankruptcy on my credit report without authorization from the XXXX XXXX XXXX XXXX XXXX XXXX it myself. I have submitted multiple dispute to them and provided documentation from the courts advising that they do not report bankruptcies to credit agencies. They still refuse to have it removed from my credit even after this documentation has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX, received notification from credit monitoring service that a new collections account was added to my reports from Helvey and Associates, INC. The amount is for {$280.00}. I have not received any correspondence or notification in writing or by phone call as required by law from this company notifying me of this debt or any verification of this debt as of the date it was added. I have lived in my current address since XX/XX/2021. I had filed change of address with the USPS. Any and all past bills and mail have been forwarded and delivered from previous address as well as important legal documents from a probate case in Virginia addressed to previous residency. I believe that this company may be using " debt parking '' techniques in an attempt to collect on debts. I have also filed complaint with XXXX  against this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: BBVA FINANCIAL CORPORATION
State: GA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 ( FCRA ) ; XXXX XXXX XXXX has violated my rights. On XX/XX/2021 there was an unauthorized inquiry. 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 an account without my written instructions 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 an account without my written instructions.

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 2022-06-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting actXXXX XXXX XXXX Account # XXXX, has violated my rights.

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 an account without my written instructions.

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