BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-31
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have been working diligently to repair my own credit. My credit score was XXXX four weeks ago, now it 's XXXX, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My husband and I share the shame credit cards, and his scores are constantly going down. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in four weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX XXXX which I was told that XXXX owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. The scores on XXXX XXXX are updating daily and fluctuating up and down by a lot of points in which I do n't understand. This is unethical please see attached picture of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted by an individual by the name of XXXX XXXX via phone about the purchase of a vehicle. He sent me photos of the car and stated I would need to send a total of {$1000.00} for a deposit of the vehicle and then pay an additional {$1000.00} to complete the purchase of the car. I sent him a total {$840.00} on XX/XX/2020 via XXXX from my bank at Bank of America. I then sent the {$200.00} remainder of the deposit on XX/XX/2020 via XXXX again. XXXX stated he would hand over the car on XX/XX/2020. In which, he never showed up and never brought the vehicle that I had already paid the deposit for. He also stopped all further contact with me and blocked my phone number. I then realized I was scammed out of my money and of the potential car. To my surprise after researching XXXX, I found previous records that he is a felon and huge fraudster/scammer. He is in gang with 23 other individuals that sell stolen vehicles and scam individuals by never actually give them the cars such as myself. He has been to jail multiple times across the country for theft and related charges. I called Bank of America on XX/XX/2020 and let them know my entire situation and that I wanted to file a dispute of the transaction since I was a victim of the car scam in order to receive my {$1000.00} back. The representative at Bank Of America told me they would conduct an investigation, reach out to the bank XXXX has, and ask them to send the money back. After 20-30 days I called Bank of America back and they told me they denied my claim and I can not appeal any XXXX transactions that have already been denied. I was completely shocked and was told my next only option would be to file a complaint with www.ic3.gov and there there is no other help Bank of America can offer me to retrieve my money that I was scammed. I contacted the XXXX County police and filed a police report for theft or services against XXXX as well as a ticket on www.ic3.gov. The police are still looking for XXXX to arrest him but advised that I communicate with the bank on how I can retrieve the stolen funds. I was finally referred to submit this complaint on here to the CFPB as of today on XX/XX/2020.

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 2020-04-18
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
- Collection agency I.C System, Inc XXXX XXXX XXXX XXXX XXXX MN XXXX, Phone XXXX sent a letter regarding a debt I did not owe. 
- I immediately sent I.C System, Inc a US Postal Certified letter stating I did not owe the debt and to only contact me by Certified mail, their claim is being disputed and to NOT report me to any agency until this is resolved. 
- I received 1 letter from I.C. System to which I immediately responded and received no other correspondence. 
ILLIGAL Practices : - I.C. System reported me to the credit bureaus for 3 consecutive months. The original letter to which I responded ( I have copies of the Certified Receipt ). Plus 2 consecutive months past the original letter. 
- I.C. Systems misrepresented the information to the bureaus on dates of last payment. 
Thank you

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 2016-06-26
Company: The Affiliated Group, Inc
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone stole my personal information and identity to open an account with XXXX XXXX. The account is an unauthorized and fraudulent account with Affiliated Credit Services. I have never applied for an account with XXXX XXXX. I have been receiving harassing, threatening and death threats telephone calls from Affiliated Credit Services in regards to a debt of {$240.00} I do not owe. The account or debt do not belong to me. I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: FC HoldCo LLC
State: MD
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:
***THERE WAS A TYPO IN PREVIOUSLY SUBMITTED CASE : XXXX : IN GOOD FAITH, I AM RE-SUBMITTING THE CASE. THESE ARE NOT NEW ISSUES FROM THE PREVIOUSLY SUBMITTED CASE. *** Flagship Credit Acceptance LLC, ( Flagship ) is a corporation with principal offices at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX. Flagship is a creditor who, in the process of collecting the reported debt, altered its name and account numbers which indicates a third person is collecting or attempting to collect such debts and is therefore a debt collector as defined by 15 U.S.C. 1692a ( 6 ). 

XXXX : I did NOT receive an installment loan from Flagship with payment terms of 1 month. XXXX : I did NOT receive an installment loan from Flagship on XX/XX/2013 with a 68 month repayment term. I did NOT receive an installment loan from Flagship on XX/XX/2013 with a 68 month repayment term. 

Flagship violated the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ) by continuing the Flagship Vehicle Debt Account representation within my credit file with the Credit Bureau XXXX and by failing to permanently and lawfully correct its own internal records to prevent the re-reporting of the Flagship Vehicle Debt Account representations to the consumer reporting agencies. As a result of this conduct, action, and inaction of Flagship, I suffered damage by loss of credit ; loss of the ability to purchase and benefit from credit ; and the mental and emotional pain, anguish, humiliation, and embarrassment from losing my job due to the inaccuracies. I have disputed Flagship multiple time and successfully removed the incorrect/unverifiable information from 2 out of the 3 consumer reporting agencies. As a result, Flagship altered the account number to make it look at though I have 2 charged off accounts. The furnisher has not been able to provide 100 % accurate documentation and used deception to try to collect on this debt. I am requesting these aforementioned accounts be deleted from my credit profile.

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 2016-07-17
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
A credit card company levied a garnishment against my savings account for XXXX dollars. The judge ordered this levy and searching my social security number, located my checking and savings account with XXXX. I receive XXXX a month in government XXXX. I only had XXXX in my account. The bank debited my account and took the XXXX. I 'm sure this is not legal. Should I sue them or just demand they reimburse my account for the money they gave the credit card company?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX account on my EQUIFAX credit report should have. Been removed it 's been seven years now since I returned the vehicle back to XXXX I returned the vehicle back into XXXX on XXXX 2009 and XXXX is saying I returned the vehicle back in XXXX 2009 if I returned the vehicle back in XXXX 2009 that means I would be XXXX months delinquent so my first delinquency would be in XXXX of 2009 and if I was XXXX months behind on a car lease XXXX would have came and repossessed the car but they did n't or my payment history would show when my last payment to XXXX was made be it do n't because XXXX is not showing any Payments made of my credit report or any payment history on my credit so they are reporting inaccurate information to EQUIFAX on my credit report and this should be deleted because it 's been seven years now since I returned the car back into XXXX or it would be seven years from my first delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: CIT BANK, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am an XXXX year old XXXX woman and in XXXX I began getting letters from Financial Freedom threatening me with foreclosure. These letters said I owed Financial Freedom {$3300.00} for advances they paid out on my reverse mortgage. However, when I called Financial Freedom on numerous occasions no one could explain to me what these were for. Finally, my son ordered an account history and after reviewing the history we determined that Financial Freedom was billing me for taxes that had already been paid or for taxes they claim they paid 8-10 years ago. When I asked them to provide proof they actually paid the taxes, they keep me on the phone for nearly 2 hours and made speak to 8 different people who kept telling me. " That 's not my department. '' an then tell me I 'm the one who has to prove it. 

My son and I went through the payment history realized that even if Financial Freedom is correct and they paid the taxes when they claim they did, I would not {$3300.00}. 

Please help I want to keep my home. I have nowhere else to go. I do n't want to be kicked to the street like the that XXXX woman who had Reverse Mortgage a few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This complaint is against Equifax for illegally reinserting negative information on my credit report. 

A couple of months ago, I started disputing some inaccurate pieces of information that were showing up on my Equifax file. One of these small details was related to a wrong reporting date on a XXXX credit card account that I felt should have been updated. 

The account number for the account is : XXXX Until recently, this account was reporting with a XXXX balance due on my credit report. After Equifax received my disputes, they started reporting a negative balance of {$1400.00} on my credit for no reason at all! For years, this account had been reporting as paid and settled with Equifax. 

Equifax has no right or reasoning to suddenly place a large balance on one of my settled accounts without any explanation. 

To facilitate the CFPB 's investigation, I am including screenshots from XXXX XX/XX/2016 credit reports that showed Equifax was reporting a " XXXX '' balance on my XXXX account. I am also including a screenshot from a recent report which shows how Equifax has suddenly inserted the {$1400.00} balance. As you can see, a large balance was placed on my credit from one report to the next. This is wrong. 

I called XXXX to see if maybe the mistake was made by them but when I called, the supervisor said the debt was so old they do n't have any information on it! This is proof that there is no balance due on the account!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
You are reporting an incorrect address on my credit profile. Please remove XXXX address. This has never been my address. 

Also, there are many authorized Inquiries showing on my credit profile from XX/XX/XXXX through XX/XX/XXXX. Please remove these inquiries from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXXXXXX XXXX XXXXXXXX. ( address : XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX ) was pursuing me for four year old credit card debt. This case was eventually brought before a judge on XX/XX/2020, and I represented myself pro se in the case vs. the company 's lawyers. The case was dismissed by the judge ( on the court docket it says 'Dismissed by Court ' ). After this, XXXX XXXX stopped pursuing me for this debt. However, XXXX XXXX is still updating my credit report each month regarding this debt. I would like XXXX XXXX to respect the judge 's decision and cease reporting this dismissed debt to my credit report. I have tried to contact both XXXX XXXX and the company 's legal firm on numerous occasions via phone and email, but I have not received a response.

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 2022-05-25
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXXXXXX XXXX XXXXXXXX. ( address : XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX ) was pursuing me for four year old credit card debt. This case was eventually brought before a judge on XX/XX/2020, and I represented myself pro se in the case vs. the company 's lawyers. The case was dismissed by the judge ( on the court docket it says 'Dismissed by Court ' ). After this, XXXX XXXX stopped pursuing me for this debt. However, XXXX XXXX is still updating my credit report each month regarding this debt. I would like XXXX XXXX to respect the judge 's decision and cease reporting this dismissed debt to my credit report. I have tried to contact both XXXX XXXX and the company 's legal firm on numerous occasions via phone and email, but I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX Averst Bank 2008 this is to old to be on my credit repot. Its XXXX. I want this removed. I gave this back to then. They sold me a lemon. The transmission had went out of this thing after a XXXX or four months. I lost thousends on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from Afni stating that I owed {$34.00} due to the service at XXXX. I have NEVER ever signed up for phone services with XXXX nor did I ever sign up for any of their other services they offer. I looked up XXXX number on their website and contacted them. After looking through their system and not being able to find my name, number, or social security in their system, they filed a dispute. The next week, I received a letter stating they did their investigation and found I am responsible for the amount owed. I called them back again and placed another dispute. They sent me a bunch of papers the next couple days asking for my gas utilities bills, social security card, passport, license, and all sorts of information to prove. I have not contacted them since. It looks they are backtracking to get someone to pay for the amount since they ca n't find the person who signed up for this service and they found a person ( me ) that called so they are trying to hold me responsible when I never had a relationship with XXXX. This is harassment and I do not trust them with all my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Screening Reports Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I have applied for an Apartment and they use Screening Reports Inc as a third party provider. They say I have no credit history with XXXX yet I have a full credit report when I go to their website. I called them and they spoke with me that they are only using the information given and would not let me provide the information I have so they can correct it. They are preventing me from securing housing and I will not be able to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was approved by Keep your Home California for a principal deduction up to XXXX, but my bank op not to participated. I 'm a single mother of XXXX and and take care of my of XXXX grandchildren due that their mother abandoned them, my son their father is currently in a XXXX XXXX in XXXX, & my XXXX mother - I 'm trying to make my monthly payment. I bought at the wrong time back in XXXX right before the market crashed in XXXX XXXX, and my payments keep going up, that I ca n't afford. I want to stay in my house, but if the bank will not help. I will be force to move and no where to go. Please help me stay in my house. I have applied for a modified loan and the bank said I do n't qualify for another modify. I 'm sure there is something out their that I can qualify for. Please help me stay in my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
RECEIPT OF UNREQUESTED XXXX XXXX XXXX VALIDATION LETTER AFTER STATUTE OF LIMITATIONS EXPIRY On XX/XX/XXXX, I received a telephone call from Transworld Systems Inc representing XXXX XXXX XXXX XXXX XXXX  ). The collection agent told me that I owed money for a private college student loan. I stated that I knew nothing of this debt, and that I had never received a private student loan in college, the conversation ended shortly after that. At no time during the conversation did I request a validation of the debt. 

On XX/XX/XXXX, I received a 46-page debt validation letter that I did not request for a loan that is 7 years past the statute of limitations. 

Upon reviewing the document sent to me it showed that the loan defaulted on XX/XX/XXXX, and according to the Washington attorney generals office the statute of limitations has expired for this type of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I arranged for bank # 1 to transfer my IRA account to bank # 2 that was paying much higher interest. The IRA Transfer Request I used included this statement : " If you are age XXXX XXXX or older, your required minimum distribution must be processed prior to transferring your IRA to bank # 2 ''. Bank # 1 failed to process the remaining required minimum distribution before transferring the IRA account. When I realized what happened and called them about it, they refused to admit they had made a mistake and refused to do anything to help me request the required minimum distribution from bank # 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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: Account status incorrect

Complaint:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appears on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX : {$760.00}

Company response to consumer: Closed with explanation