BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
EXPERIAN IS RUINING MY LIFE. FOR A MONTH NOW MY HOME LEASE HAS BEEN UP. I HAVE BEEN FORCED TO PAY OVER XXXX A WEEK FOR A HOTEL. WHY? BECAUSE EXPERIAN HAS NO CLUE WHATS GOIN ON. IVE APPLIED FOR A HOME AND EVERY PLACE SAYS MY CREDIT IS FROZE OR HAS A FRAUD ALERT. EXCEPT PER MY EXPERIAN PORTAL, THE AUTOMATED PHONE SYSTEM, AND EXPERIAN CUSTOMER SERVICE AND SPECIALIST, THEY SAY THERE ISNT A FREEZE OR FRAUD ALERT. YET EVERY TIME I APPLY IM DENIED BECAUSE MY CREDIT SHOWS EMPTY OR IS NOT ACCESSIBLE. I CANT KEEP PAYING XXXX A WEEK. THEY TOLD ME IT WAS AN EXTERNAL GLITCH AT FIRST. THEN THEY SAID IT WAS DUE TO THE ADDRESS ON MY DL NOT ON MY REPORT. SO I SENT MY DL, SSN CARD AND A UTILITY BILL AND WAS ENSURED MY ADDRESS WOULD BE FIXED IN 24 HOURS. THE ADDRESS STILL ISNT FIXED. DESPITE ME DOING WHAT I WAS ASKED. MY CREDIT IS INACCESSIBLE AND EXPERIAN NEVER FIXED MY ADDRESS. THEY KEEP SAYING THEY DONT SEE ANY FREEZES OR FRAUD BUT IVE ATTACHED PROOF OF WHAT EVER PLACE I APPLIED FOR RECEIVED. THEY NEED TO FIX THIS THIS WEEK. XXXXM NOT RICH.IVE PAID 2 MONTHS RENT HERE AT THE HOTEL IN ONE MONTH.

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 2022-08-02
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I mailed proof that I owed a {$0.00} balance with my apartments. ProCollect has since been harassing me daily even after the proof showing that I do not owe my apartments. I want this company to cease and desist from contacting me immediately and I need your help! 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 2022-08-02
Company: Experian Information Solutions Inc.
State: UT
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX, XXXX, XXXX XXXX Employers : XXXX XXXX XXXX XXXXXXXX UNIVERSITY Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Employers : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXXXXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX XXXX  SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX XXXX  SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX SELF-REPORTED XXXX XXXX Employers : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC 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 non-monetary relief
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: UT
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX, XXXX, XXXX XXXX Employers : XXXX XXXX XXXX XXXXXXXX UNIVERSITY Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Collecons : XXXX XXXXXXXX XXXX  SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX SELF-REPORTED XXXX Equifax Employers : XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Foursight Holding LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2022, I mailed in legal tender in the form of a money order for the amount of {$1600.00}. It was received by Foursight Capital on XX/XX/2022. Today on XX/XX/2022, I called Foursight to see when my money order would be processed and the credits applied to my account and the agent told me that my money order was shredded and discarded. Foursight never called me to discuss any issues with my money order. I was told that Foursight doesn't have an accounting, legal or any other department that handles billing errors and issues such as this one. Assuming that Foursight Capital operates under federal and international financial laws, they aren't upholding them when dealing with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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:
Under employers, Experian has a comment called SECOND INCOME. I have been retired for 6 years and not worked for over 7 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: CCS Financial Services, Inc.
State: NV
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:
Hello, my name is XXXX XXXX, and I need your help in contacting this company. I tried to contact them to find out why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. I do not authorize anyone to use my name, date of birth, or any other information as it violates Data Privacy. They need to identify out who opened the account in my name and simply transfer the information to that person. Please assist me in resolving this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Law Office of Michael J. Scott, PC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Warrants were taken XX/XX/2022 without ever contacting me concerning debt that was purchased by their client who also violated proper notification. I never received or new anything about this attorney. I'm now being told that a 3rd party purchased debt for a low cost and now suing me for large amount plus interest Scott & associates law firm failed to properly notify me on what they were doing or debt. I received no written notices, just 5 written warrant in debt letters. I immediately contacted them but it was too late. Even now I'm being served by the sheriff after requesting to go through the dispute process. I spoke to someone who said they sent 1 letter. In which I don't believe, because his story changed after I hammered them for violating the law. They are simply taking advantage of people in horrible times. 

Additionally XXXX XXXX XXXX  sent me ONE debt notification only! in which I properly disputed in writing. They ignored my written dispute, gave it to an attorney. The attorney immediately obtained a warrant in debt that I had no idea they they had and sent me a dispute letter 2 days later from XXXX XXXX. What??? This is horrible... the two companies are working together to hurt people bad. This needs to stop. They are running around purchasing debt for pennies and suing for large amounts as of consumers brought from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Southwest Credit Systems, L.P.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX I called in and ordered the company to stop calling me. They have since called twice and are harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Aargon Agency, Inc.
State: NV
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:
Hello, my name is XXXX XXXX, and I need your help in contacting this company. I tried to contact them to find out why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. I do not authorize anyone to use my name, date of birth, or any other information as it violates Data Privacy. They need to identify out who opened the account in my name and simply transfer the information to that person. Please assist me in resolving 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 2022-09-29
Company: Veros Credit, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Car installment loan with Veros Credit and XXXX XXXX in XXXX NC. 
XXXX XXXX  sold me a car they knew was not going to work, when the check engine light came on after a week of the purchase I was told that the vehicle had patch work done and the car salesman also pressured me into getting an extended warranty. They sold me this vehicle under false pretenses, I reached out to veros credit numerous times and they are not trying to fix this problem. They have repossessed the broken vehicle 2 times, and refuse to hold the car brokerage accountable for selling me a car under a fictitious sale, they knew this car was going to mess up. It didnt even last a month after purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

Equifax 1XXXX XXXX XXXX {$0.00} 2. XXXX {$0.00} 3.XXXX XXXX XXXX XXXX {$350.00} 4 XXXX XXXX {$180.00} 5 I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: WorldRemit Corp.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2022, I tried to make a shipment worldremit this company is locate in XXXX, but the transaction failed, no type of receipt or transaction number was generated because it was not made, however the company took the money from my credit card XXXX. / XXXX us x XXXX = XXXX us times, the customer services don't give me any options in my case, I sent emails but They always send me to the costumer service page but it is impossible to communicate with the company. My bank said they can't do anything to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This morning on XX/XX/2022 I requested an ACH transfer of XXXX to my linked account at XXXX XXXX XXXX to take advantage of XXXX  higher rate. I received a call and email this afternoon asking me to call XXXX. While I was on hold I tried to log in to my XXXX account and I was locked out. After being transferred to another department I was told that they could not verify with their system that the account at XXXX belonged to me. Why did they approve the linking of the account if they werent sure it belonged to me? That does not make sense. They were so unhappy not only did they not let the funds transfer but locked my account. Why did they need to do that? Im still really angry about that part most of all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: GA
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
TransUnion is reporting XXXX XXXX on my credit report which is past the reporting date. The account 's first late payments were in XXXX and XXXX of XXXX and should be removed.

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 2022-09-29
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I purchase a ticket through XXXX. When I got to the payment screen there was an offer to open a XXXX XXXX and get a {$400.00} statement credit and XXXX miles. I accept it the offer and apply for the card and comply with their requirements. Today, XX/XX/XXXX I got in contact with AMEX, and I was told that because I already had another AMEX CARD ( not XXXX ) I couldnt get the bonus. No where on the offer said that a customer couldnt get the offer if you had another type of AMEX card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX @ XXXX PM CDT - Reserved a hotel room. For 3 nights. 
XX/XX/XXXX @ XXXX PM CST - Was notified of a COVID exposure while still in attendance at a work event. 
XX/XX/XXXX @ XXXX PM CDT - Notified service Provider of need to cancel reservation. 
XX/XX/XXXX XXXX AM CDT - Did not hear back from service provider ( XXXX ) and out of concern, submitted dispute with Card Provider ( Chase ). 

Despite due diligence and dispatch on my part, both parties failed to act in a timely manner and upon hitting some kind of threshold, Chase simply reached out and told me they were declining to pursue my dispute. They never bothered to collect documentation from me which show my active efforts to resolve this issue through both their and XXXX 's customer service channels even prior to the reservation starting. This could have been resolved to everyone 's satisfaction had they simply engaged me. I would have accepted partial settlement of some kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
For over 5 years and 3 months now, I have had a collections account on my credit with the original creditor name of 01 XXXX XXXX and Caine & Weiner as the named debt collector for this debt that is not mine for the amount of XXXX. That is not a small number and because of this act of fraud it has resulted in me having a really bad credit score and frankly I've never heard of either of these named organizations and I sure don't owe them almost {$7000.00} for a debt I can't even tell you what for. The start date of the collection is said to be XXXX XXXX, 2016 at which time I had no active credit even ongoing so how I obtained a collection is beyond my understanding and all of which points to identity theft because it is very evident somebody used my ss number for something and then never paid it which is a highly common thing that fraudsters do when stealing peoples identity, they obviously don't pay the debts they illegally obtained. This debt is the reason my credit is so poor and me and my family are struggling to get a car loan, home loan and any financial assistance due to debt that was obtained by someone other than myself. The creditor and debt collection companies have both failed to provide me with signatures that would identity the debt to be mine and they have harassed me at work for long enough over debt I don't even personally owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Thaxton Investment Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. 
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Company response to consumer: Closed with explanation