BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  XXXX  XXXX  XXXX, XXXX 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 2020-06-11
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from Evergreen Professional Recoveries Inc on XX/XX/XXXX. 
I was unable to understand who this person was or where they were calling from. 
After a few minutes of back-and-forth asking her to repeat herself while remaining barely intelligible, she informed me she was attempting to collect a debt in excess of one thousand dollars with an original billing date of XX/XX/XXXX. I asked her to who the original creditor was or what it was for, and she said she was unable to tell me but continued to say 'evergreen ' which I only found out was the name of the collection agency itself and not who I was originally billed by after XXXX  the phone number. 

I attempted to determine what the original bill was for, and as I was to going through what it could have possibly come from that has already been resolved ( as I currently do not owe any money to any entity, and even at one point asked if I was supposed to send the collections company or the original creditor the receipts/statements with no real answer ) she hung up on me mid-sentence. I was not being abusive or aggressive, and though I admit to possibly rambling as it completely caught me off guard and I was confused, it was unprofessional and rude. Not entirely sure why someone attempting to collect a debt hang up on that debtor during a first contact call. 

I have received no written notice as of XX/XX/XXXX and the two times they have called since XX/XX/XXXX they have left voicemails that have been completely silent but for the sound of people in the background talking/working. 

They have failed to validate the debt, it is unequivocally nonexistent, and I believe even if there were- and this is not acknowledgment of the existence or legitimacy of said debt-, it was grossly inflated by the representative who spoke with me as I have never owed, much less agreed to the transaction of services for, anything even remotely close to the value that I was told.

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 2017-01-18
Company: AMERICAN HONDA FINANCE CORP
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My husband was transitioning into a new job and the car payment was simply forgotten. I was contacted about my payment and made the payment immediately. I had confirmation from the person that I spoke with that it would not be shown as a late payment and it would n't hurt my credit. This is hurting my credit and it is not benefiting me as a consumer. I really need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: TCF NATIONAL BANK
State: IL
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:
Received a call from agency telling me I owe a debt. I do not owe TCF Bank any money. They advised me that they would serve me with papers at my place of work. They had the wrong social to begin with then they came up with the right one. I told them to send the documentation to me current address to which they did n't have and told me they served papers at an old address. I have been living at my current address for 6+ years. I do not owe any debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  XXXX  XXXX  XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is incorrect. I have never applied for these items or gave anyone authorization to. 

XXXX XXXX {$780.00} XXXX XXXX {$810.00} XXXX XXXX XXXX {$810.00} XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} COLLECTION XXXX {$210.00} XXXX  XXXX {$590.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently removed a name, addresses, phone numbers, an account, and a hard inquiry from my account that belonged to someone else with the same first name and a similar SSN. There are XXXX more hard inquiries from XXXX XXXX ( XXXX XXXX 2015 and XXXX XXXX 2015 ) that do not belong to me. These are the last XXXX hard inquiries that need to be removed from my Transunion report that do not belong to me. Just like the first time, Transunion claims they can not remove them without letters from the creditor, while the creditor says they can not send me any letters since I am not a customer of theirs ( which is true- since I do not have an account with them ).

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 2022-05-16
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 XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX, XXXX - ACCT # # # # # # 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 2021-11-21
Company: JPMORGAN CHASE & CO.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
Hi there are XXXX charges from " XXXX XXXX # XXXX '' on XX/XX/29 {$2700.00} + {$120.00}. These charges are fraud/ i never purchased anything at XXXX on these dates. i disputed these charges with Chase by phone by calling XXXX. Chase first refunded the charges but later on reinstated them claiming that the charges are valid. 

THIS CHARGES HAS NOTHING TO DO WITH ME AND ARE 100 % FRAUD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-21
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021, a person other than me fraudulently applied for a XXXX XXXX card, resulting in a hard inquiry.. I have not been to nor applied at XXXX XXXX in over a year! 
I disputed this claim to Equifax and they directed me to your website. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Also, on same report, I noticed a hard inquiry for XXXX XXXX XXXX XXXX on XX/XX/XXXX, and this is also fraud! I have lived at the same address since XX/XX/XXXX and have had XXXX internet since XX/XX/XXXX. XXXX does not even service my address, so this too is fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: AMERICAN EXPRESS COMPANY
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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: M&S Recovery Solutions
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
M & S Recovery Solutions contact me staring that they received my information from XXXX for a debit and threatened to sue me if I did n't comply with the terms I advise M & S Recovery Soultions that I have knowledge of this debt and do not call me again and the representative on the phone said well saying you have no knowledge is like saying you do n't have a brain. I told him he should not contact me again and before I could hang up he said that M & S Recovery would be sending my personal information to the credit agencies. I contacted XXXX acceptance perviously the originating company and advise that I did not apply for any credit with XXXX and a representative stated that they did n't have any information with my personal information. M & S Recovery Solutions LLC are attempting to threaten me into paying a debt that is not mine.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have an outstanding medical bill I was completely unaware of. I relocated cities and never received this bill or else I would have paid it immediately. I ran my credit on XXXX XXXX yesterday and was shocked to see I had an outstanding debt. Please let me know how I can resolve this issue ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
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: Was not notified of investigation status or results

Complaint:
I sent out letters certified over 30 days ago and have not been notified of the results. As a consumer I feel like these big companies are trying to take advantage of regular hard working people by not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, XXXX And XXXX both received a final warning and fourth dispute letter of violation of the Fair Credit Act without accurately verifying any of the accounts belonging to me. I've never received any paper correspondences from XXXX or XXXX this entire dispute process ( only electronic notifications that the accounts had been verified ). On XX/XX/XXXX, XXXX received an offer of settlement before litigation and fourth dispute letter in regards to the ARS account to be DELETED from my credit due to not being in compliance with FCRA Section 609 ( a ) ( 1 ) ( A ) & 611 ( 5 ) ( a ). 

On XX/XX/XXXX, XXXX deleted the account but inserted it back on to my credit report on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX deleted the account but inserted it back on my credit report for a SECOND TIME on XX/XX/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 2016-08-26
Company: ENCORE CAPITAL GROUP INC.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2016, I received mail from Midland Funding LLC about an alleged debt owned. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account # XXXX ( Please note : XXXX omitted account 's last XXXX digits for security reasons ]. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), I sent via certified mail [ Mailed XXXX/XXXX/2016 ; received XXXX/XXXX/2016 ] a request to Midland Funding LLC to provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Maine ; and 4. proof of the last payment made on the account. 

Midland Funding LLC has contravened its 809 ( b ) statutory requirement to sufficiently validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Noticed unauthorized and inaccurate inquiries 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 explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # 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 2015-06-16
Company: MOHELA
State: AK
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Why wo n't you investigate Federal Student Loans? XXXX has a policy in place of applying extra payments toward future payments, thereby collecting more interest and keeping borrowers in debt longer and longer. They have layers of obstacles making it difficult, if not impossible, to pay only the minimum amount each month and pay down principle with extra payments when you can. They threaten to increase your minimum if you ask to make principle reduction. 

Imagine if you wanted to pay an extra {$300.00} on your mortgage, and the bank said they " ca n't do that, and if you ask us again, we 'll raise your interest rate ''. That is pretty much what XXXX is saying to thousands of student borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: General Motors Financial Company, Inc.
State: MA
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:
Hi, please help me with my concern. I saw GM FINANCIAL on my credit report and I have late payments in payment history, but they did not send any proof to me ... I repeatedly asked for it because I don't remember being late on this. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a checking account with  Chase over three ye ars ago. My account had money taken out for taxes which zeroed it out on    XXXX   XXXX   XXXX  . I told Chase to close the account and I was told I had to wait to close it. I had automatic payments set up and they subsequently were presented before Chase would let me close the account. Chase has now charged additional fees for the automatic transactions and continues to charge my account fees and will not let me close it. Chase wants me to put more money into the account to cover the fees but still wo n't let me close the account if I do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
TransUnion has a website for disputing credit report entries. 

https : //dispute.transunion.com However, it never works. EVER. This is not an isolated complaint, and has been reported by other consumers : XXXX XXXX XXXX Of course, TU 's response is " mail us '' your credit complaint. This is an unreasonable standard. They can operate credit reports electronically, but consumers are expected to use snail mail. Double standard that should be legislated against. 

More importantly, if they can't get a basic website to work, how much faith should we have in their ability to manage data responsibly?

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 2021-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My student loans have been XXXX by XXXX XXXX Department of education XXXX They should say PAID/CLOSED AND XXXX ( XXXX ) BALANCE ON ALL XXXX CREDIT BUREAUS. SEE ATTACHED LETTER FROM XXXX DEPARTMENT OF EDUCATION AS XXXX!! XXXX XXXX AND TRANSUNION SHOULD ALL SAY PAID/CLOSED XXXX BALANCE EFFECTIVE XX/XX/2021.

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