BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My phone had previously been through XXXX. In XXXX, 2021 I went to XXXX and had to purchase a prepaid phone. XXXX had problems porting my phone and everyday for XXXX weeks I would go in and try to work with XXXX XXXX, the manager. I was then told to give them a month to fix the problems yet the continued to bill me for a prepaid service. The store manager XXXX XXXX even paid a phone bill for me. Nonetheless they continued to have problems getting my account straight. I would go in the store every other day until I decided to discontinue business with them. They would even keep me on the phone for hours promising to fix the problem to no avail. I am requesting all the notes on my account from XXXX with XXXX XXXX, their manager and myself. I will never do business with this company again. I am on XXXX and should have stayed with my government issued XXXX. 

Have XXXX submit records, notes of phone calls and billing statements. Also reach out to Manager XXXX XXXX. 


XXXX put my account with The XXXX XXXX, XXXX see attached CFPB Complaint XXXX copy attached

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 2015-04-18
Company: DISCOVER BANK
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Discover Card sued me in Indiana Small Claims court and entered a judgment against me that exceeds the {$6000.00} Indiana Small Claims court judgement amount. 
In an attempt to collect the debt, my bank account was seized. I requested a court date, as my bank account contained both FEMA and Unemploment derived funds. The attorney for Discover Card phoned into the hearing and lied to the magistrate. The magistrate informed the Discover Card attorney that the funds were indeed exempt, and the funds were returned to me. 
I have checked my county 's online database, and discovered multiple Discover Card entries on magistrate 's dockets. Is there some type of judicial abuse going on in XXXX XXXX, Indiana? 

At the proceedings supplemental, I told the same magistrate that I had not received the paperwork the attorney showed me outside the courtroom. The magistrate 's response was, " I 'm not buying it ''. I told him I need to received all my court / legal / financial notices. After the magistrate announced, " adjourned '' and left the court room, the magistrate 's bailiff, ordered me to meet with the XXXX. I told the bailiff, that the magistrate just announced adjourned, meaning I was free to leave. The bailiff told me he could have me detained / arrested by guards. All this with my then terrified four year old in tow. We left the court room, not knowing if we would be detained / arrested. 

How is any of this behavior legal, and where can I file a complaint. I also plan on contacting the FBI. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX 2016, it was brought to my attention that an erroneous account had been turned into collections and reflected on my credit history. I thought I cleared the matter by getting a letter from the company apologizing saying my payment history was in good standing and that error should have never occurred. I am enclosing a copy of said letter. 
A second issue remaining on my credit history is a confirmed stamped " closed '' for matter that was yet another error. A copy of it is enclosed. 
Why does n't the credit directory ( ies ) remove these items when I have submitted documented proof that they are not my issues and no longer valid? I understand they receive all sorts of money by allowing such to remain on one 's credit history, and that is unjust to the consumer. 
Today, XXXX XXXX, 2016, it was brought to my attention again that the said matters have not been removed from my credit history by either of the credit directories. And XXXX XXXX matter that CFPB assisted me with a year or so past remains on my credit history as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I just submitted a complaint # XXXX and it did not print out my statement and implied I wanted to be known as a veteran which is an untrue statement. I acknowledged it was true so there is no veteran affiliation to this complaint other than a VA employee committing bank fraud to cover up abuse on a va campus. XXXX XXXX and XXXX XXXX have family and personal ties in law enforcement who refuse to look into the fraud on my account and the bank has let them alter records and they committing violations of FDIC regulations on my account trying to or by closing it. Please refer to my original statement to clear this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Credit bureau was contacted due to unauthorized inquiries placed on credit bureau. I have been a victim of fraud and it is noted with the bureaus. I was not contacted as instructed in the report data base by any organization. As followed XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX. Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XX/XX/XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07
Company: Seterus, Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus, Inc. purchased my loan a few years ago and I have had problems with them from day one. You settled one dispute for me and now I have another. Account number XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX. I recently had my loan refinanced by XXXX XXXX so that I could have XXXX that insurance does n't pay for. Seterus should have mailed me a mortgage Interest Statement, Form XXXX but I have never received it. When I try to call they say the forms were mailed XXXX XXXX ( from XXXX, CT ). When I try to contact them via internet it says not a working account. I am having a XXXX XXXX XXXX and wo n't feel like taking care of my taxes for several weeks after and would like to take care of it before if possible. Can you help make them send my Interest Statement for 2016? Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
They keep verifying that a dismissed chapter-XXXX bankruptcy in my credit report is mine and they are wrong. They are not verifying or investigating this information, this belongs to someone with a similar name but it 's not mine. I need this item removed at once from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I do n't even know where to start. I have disputed this on consumerfinance.gov multiple times. There is INCORRECT information on my Equfax report that no one seems to be able to correct. Equifax says they verified with XXXX ( # XXXX. ) XXXX ( # XXXX ) says they do n't handle credit card divisions of the XXXX XXXX XXXX XXXX , XXXX and XXXX XXXX . XXXX gave me another phone number to call, and they answered identifying themselves as XXXX ( # XXXX ). They told me to have them do a credit bureau inquiry for my accounts. The first XXXX ( # XXXX ) phone number XXXX said they do n't understand why the credit report has their phone number. THIS is the XXXX ( # XXXX ) that is showing incorrect information. They said they ca n't see my actual account to confirm I have zero balance. They gave me number to another XXXX ( - # XXXX ) XXXX who tells me they have the same information that I have showing zero balances, and dont have any idea who the " other '' XXXX ( # XXXX ) isXXXX XXXX # XXXX ) tells me to dispute this discrepancy, which I have through consumerfinance.gov and directly with Equifax. Equifax tells me to call synchrony bank and have they make corrections. These errors have caused my credit score with equifax to drop by XXXX points. I have been turned down for a loan due to this. XXXX told me to write to to FCRA. When I look up information for FCRA- it sends me to -- XXXX! 
I have a zero balance with XXXX XXXX and XXXX XXXX. My balance with XXXX is incorrect. My good credit standing with XXXX XXXX showing a {$5000.00} credit limit paid in full has disappeared from Equifax ONLY & gt ; I am at wits end. I will contact he consumer reporter at the news station and see if they can direct me somewhere that can help. I expect consumerfinance.gov to be able to figure this out. The letter I received from Equifax today says they " verified '' this information with XXXX and it is staying on my report Obviously they did not verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
After a previous CFPB complaint and several phone calls over the last 30 days, to remove accounts, they were put into DISPUTE. I never consented to that. Equifax is in violation of their own Data Sharing Policy and refuse to send a copy of my consent that they claim to have. 

I have informed them of these violations and get hung up on by supervisors. 

15 USC 1681 a ( 3 ) did not have my consent or permission. 
15 USC 1681 a ( 4 ) did not excercise your grave responsibility, were unfair, and partial. 
15 USC 1681 b ( 2 ) no permissable purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: IN
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 requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment.

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 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have seriously been working on my credit score for the past 2 years with an exceptional payment record with no late payments or delinquencies getting my score up to XXXX with XXXX, At this point I felt ready to investigate my options for obtaining a mortgage to view properties. I opened an account with XXXX in XX/XX/XXXX and have been on autopay as all my accounts are and to my surprise i was notified by Transunion that i had a potentially negative report on my score, when i investigated it was XX/XX/XXXXXXXX saying i was 30 days delinquent, I called XXXX and they told me my account was at XXXX balance and i have {$1500.00} available credit! 
I reported to all 3 agencies my dispute and mailed also to them and XXXX. I did have a compromised bank card back in XX/XX/2020 and cancelled it out with the bank who put in place my new card and mailed me the physical card. All my other creditors and autopay payments went thru fine apart from XXXX who did not notify me at anytime that this occurred, so my XXXX is now at XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: EQUIFAX, INC.
State: GA
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:
A while back I lost my purse with all personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$31000.00} XXXX XXXX {$6000.00} XXXX  XXXX {$7000.00} XXXX  XXXX XXXX {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
ATTACHED I INCLUDE THE CREDIT REPORT OF A ACCOUNT THAT STILL REPORTING OPEN WHEN THIS ACCOUNT IS CLOSED SINCE 2018 ELIMINATE THIS ACCOUNT THAT IS REPORTING INACCURATE INFORMATION ON 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 2022-08-16
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX is inaccurately reporting a payment history monthly on a collection account. A collection account is past due by default. Updating the payment history since XXXX 2019 is negatively impacting my credit by making my " past due '' recent. I have tried for over a year to have this corrected with Experian and they send a letter saying that XXXX verified that this payment history is correct. I have asked for verification and have not received any.

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/22 TransUnion credit reporting bureau decrease my credit score by XXXX points stating it was due to me paying off two credit cards. I am under the impression that when you pay off a credit card or even pay down a credit card that it should increase your credit score not dropping dramatically by XXXX points. I called Trans Union and they stated there was nothing they could do. All the other credit reporting agencies to include XXXX  and XXXX  actually increase my credit score dramatically when I paid off several of my credit cards please see attached screenshot.

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 2020-03-18
Company: National Credit Systems,Inc.
State: IA
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:
Never received letter notifying of placement of debt with their office. 
beginning in XXXX : Received repeated phone ccalls from Miss XXXX. 
was told the only way to dipute was foor me to mail in letter. 

XX/XX/XXXX mailed dipute, with attached emails ( 10 pages ) and photos ( 5 ) and copies of adds ( 5 pages ). Included state statute that would make this an illegal debt. 

XX/XX/XXXX : Miss XXXX advised she would reporting me and co debtor ( XXXX XXXX ) to the credit bureau regardless of the dispute. 

XX/XX/XXXX : she advised that she did not care if there was not a judgment or writ, she was turning us in anyway. 

XXXX : letter from company saying dispute was not valid. 

XXXX XXXX calls from Miss XXXX ( called back twice ) XX/XX/XXXX call from miss XXXX XX/XX/XXXX : notified I would not pay, this was not a judgmen, she advised they were reporting to the credit cureau unless and until I pay the balance in full. She sais I would need to sue THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: CUSTOMERS BANCORP, INC
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: Information belongs to someone else

Complaint:
Hi, I had started finding out from XX/XX/2021 that someone opened credit card accounts using my name and SSN. He opened a credit card account at CUSTOMERS BANK last XXXX, another one from XXXX last XXXX, and another from XXXX XXXX XXXX  last XXXX. 

So, I kept disputing these fraud accounts against 3 credit bureau companies but they keep saying these are accurate information. So, I started sending my own proof documents to them this year and waiting for the results. 

I took actions like credit freeze and alerts to all of 3 credit bureau companies last week and started calling the banks with the fraud account. 

I think someone same person have tried to open many other credit card related accounts, so anyway I need to stop this guy immediately. 

For more proof information, please let me know.

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 2015-09-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been disputing this account for more than 5 years, To resolve this matter, I hired XXXX XXXX XXXX and while this account was paid in full XXXX the creditor is reporting that the account was paid in full with the same account number and they are also reporting with the same account number that it is a negative item. 

Finally I received a letter from XXXX dated XXXX XXXX, XXXX stating that the XXXX account had been sold to XXXX XXXX XXXX XXXX. Since this account was paid in full in XXXX XXXX, it is MORE THAN 7 years old and the good credit should remain however, on each and every credit report it is duplicated and now in triplicate with XXXX XXXX showing up as well as XXXX. 

I do n't understand why number one an account that is paid in full was sold to an outside collection agency and two why can both XXXX and XXXX funding continue to report the same account on my credit report, although the account is paid in full and is reported on the bureau to remain as good credit until XXXX XXXX. 

In addition I have a good credit account with XXXX XXXX that was opened in XX/XX/XXXX with a high balance per month due to my work travel in the amount of $ XXXX.I have had to request that this good credit line be put back on my bureau reports in excess of 3 times. I have documentation to this fact if necessary. 

Of course this affects the FICO score because the age of credit is a part of the algorithm. It is a mystery to me how good credit can just fall off but inaccurate credit can be reported XXXX different ways. 

I sincerely appreciate your help in this matter as I can not get resolution from the creditors, the bureaus XXXX, Equifax or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Perfection Collection
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My compliant is that XXXX XXXX XXXX and Perfect Collection is trying to collect on the same debt at the same time. The two companies have the same address as well which makes me believe these two companies or the same company. I never received all the documentation I requested from XXXX XXXX XXXX. I received copy of a sign contract that was not signed by me! That is not my signature. They are in violation of UCC 5-301 FAILURE TO ENDORSE OR SIGN A PRESENTMENT and FAILURE TO SHOW PROPER AUTHORITY TO ACT ON BEHALF OF ANOTHER. XXXX XXXX XXXX fraudulent account is reporting on XXXX   credit files as Perfection Collection. Duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. Perfection Collection is also required to notify me within five days of re-inserting previously deleted item immediately. I do NOT have a contract with Perfect Collection nor XXXX XXXX XXXX. I have also sent several notices stating that their offer to contract is denied as well as ask for documentation showing that account # XXXX is my account. I have yet to receive any documentation from, XXXX XXXX XXXX. Upon searching my records account # XXXX was first place with Perfection Collection the account was disputed and deleted off my credit report. I did not receive a letter of reinsertion of the account to my credit file nor did I receive a dunning letter from Perfection Collection. The account was then purchased by, XXXX XXXX XXXX on XX/XX/2018. After carefully researching I noticed that XXXX XXXX XXXX has the same address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT ) as Perfection Collection had. And I also found out through research that they are reporting this account as Perfection Collection as well as XXXX XXXX XXXX. You can not do this under two different agencies. I have attached documentation of this reporting. I also see from the so-called contract that they sent out, they are attempting to collect, on an expired debt based on Mississippi statute of limitation laws. Perfection Collection has been known to be fraudulent and since XXXX XXXX XXXX is also known as Perfection Collection, they are fraudulent as well!! I think I have provided enough evidence to show you that they have committed many violations of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation