BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: MD
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 you a letter last XX/XX/2022 but i haven't got any response from you and according to the FCRA you are required to response within 30 days

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 2022-12-06
Company: CL Holdings LLC
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:
IT IS ILLEGAL TO PLACE A CHARGE OFF ON A REPORT. SEND XXXX C TO DEBTOR. YOU CAN NOT REPORT A LOSS TO THE IRS AND STILL TRY TO COLLECT NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND XXXX TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE XXXX... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATA. I AM SICK OF THIS. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
some time around 2018 there a wall XXXX credit card that was sale to a company my the name Midland credit management i have been pay on this account for three year it should not have gone the collect department of midland credit because i was never late. this collect is on my XXXX  report why i do not no. two-month midland credit contact and ask could they take a payment out of my account on a month base. if i let do this would you remove this from my credit report and the guy said yes and i will give you a balance XXXX and not XXXX so therefore the balance be XXXX so went i check my credit report this Moring the balance was stilXXXX and that was wrong. so said to they Iam going to report ytou all to cfpb servicer. it should never be in collect anyway. and that the problem they purchase this from XXXX XXXXXXXX bank who purchase it from XXXX  and that was illegal therefore against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid my Hyundai XXXX lease as instructed and was told my title would be mailed to me. Hyundai claims to have sent it but I never received it over a month later. Hyundai refuses to do anything to remedy this situation leaving me with no title and no ability to register the car. Hyundai keeps offering to send a lien release or a letter of no interest but the DMV says these documents are useless. I can not get my name on a new title for the vehicle until Hyundai sends me their title. I have read several other reports of people being put through this horrific situation and never had important mail not arrive before so I am sure this is Hyundai causing 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 2022-07-29
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On Tuesday, XX/XX/XXXX I was contacted by phone at around XXXX XXXX  by the California XXXX XXXX. The employee on the phone was XXXX XXXX ( ext. XXXX ). XXXX XXXX THREATENED me with the defamation of my consumer reputation stating that if I do not pay the debt he alleged or set up a payment plan for said alleged debt, he would have the debt hit my credit which would damage it. I told him that I did not recognize or assume responsibility for the debt from XXXX XXXX XXXX XXXX XXXX for patient XXXX XXXX XXXX on XX/XX/XXXX. This is where he got very obscene and mocked me saying, Oh you dont remember receiving care for your own daughter? At this point I felt directly insulted and attacked by his questioning of my parenting because of the tone he mocked me with. He also used a previous call that was made by another representative to me back in XXXX of XXXX, during Covid, where I stated that my husband had just DIED and I was mentally distressed and incapable/unable to conduct any business with them and to cease all telephone communication. He claims that was my way of VALIDATING that the debt was mine, which I never did. The FDCPA 809 ( c ) states that The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. and he construed my comment as such. He also claims that he could not provide me with a validation of the debt to my address because it was already sent. I have NEVER received such validation nor do they have proof of delivery thereof. When I asked about the other information on my file as I am entitled to, he stated, Im not going to sit here and read you your entire file just because YOU do not have YOUR ducks in a row. According to the FDCPA 806 ( 2 ), The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. The natural consequence of his language in this irrefutably obscene exchange was to abuse the hearer, me, and I feel as such. XXXX XXXX of the California XXXX XXXX not only mocked my capabilities as a parent but also violated the FDCPA in his attempted collection of the alleged debt he accused and threatened negative action for. After this harassing debt collection phone call I am left severely distressed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: AR
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:
Purchased a car and also there are some other inquiries that I do not recognize. They are listed below : XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA. 

Thank you for helping me in this matter.

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 2022-07-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
When I went to the car dealership they ran me for financing without my consent multiple times! Listed below are all the times I'm aware that they ran my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The rest below were pulled off my XXXX XXXX credit report that I am unaware of. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-01
Company: EQUIFAX, INC.
State: IL
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 am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: STERLING JEWELERS, INC.
State: MI
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:
This account was open on XX/XX/2014. It is 8 years and 6 months old and should be automatically removed off my credit report. It has reached its limit and is going against the air credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: MI
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:
This account was open on XX/XX/2014. It is 8 years and 6 months old and should be automatically removed off my credit report. It has reached its limit and is going against the air credit act.

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 2022-12-11
Company: Early Warning Services, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I recently submitted a dispute request but it was believed that not enough information was provided in order to proceed with the dispute. I am resubmitting again with a few documents attached hoping the accounts on my consumer report can be deleted as of result of a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: SLM CORPORATION
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/22 I received a call from XXXX at Student Loan foregiveness Center. He explained to me my Student loan account was flagged for the new inflation foregiveness program. He proceeded to tell me in detail how the program works. He gave me a reset code for my Financial aid account. I unfortunately gave him my debit card info, and signed documents through a docu e-sign website. I have high suspicion this was fraud.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Mr. Cooper Group Inc.
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
We continue to receive request to collect debt from a XXXX mortgage with XXXX XXXXXXXX XXXX ( Account number XXXX ). After our bankruptcy in 2015, XXXX sold the mortgage to a debt collector, XXXX XXXX XXXX ( Account XXXX XXXX ) after receiving our discharge paperwork. XXXX XXXX XXXX continued to harass us for full payment and late penalties after we provided discharge paperwork and instructed them to contact our attorney with further questions. They then sold the loan to RightPath Servicing ( Account XXXX ) who is now harassing us after receiving a letter from us stating that the mortgage was XXXX in bankruptcy and threats to report them to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: FL
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:
Upon applying for a loan to buy a vehicle, it was discovered that Equifax and XXXX both can not verify my identity. I have called Equifax multiple times to try to fix the situation, and was told I needed to send them supporting documents in order for them to verify my identity. After sending what was required and calling them multiple times, they claimed that they did not receive my information. The last two times I have called them asking to speak to a supervisor, I have been placed on hold for a total of over a hour and a half, eventually leading to them disconnecting the phone call. I have mailed and faxed Equifax multiple times, each time ending in the same result. Ultimately, I have not made any progress into the issue, and I dont even know why the underlying issue was caused. I am unable to receive information about whether my identity was stolen, or it is something along the lines of my name or address being misspelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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. The items found within my credit report that I listed on the following pages 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: Bread Financial Holdings, Inc.
State: CA
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:
There 's a few credit inquiries that do n't recognize.. starting with the most recent one. 
On XXXX XXXX 2017 XXXX Creditor contact details : XXXX XXXX XXXX XXXX, DE XXXX Paypalcredit Inquiry from XXXX XXXX, 2017 Creditor contact details XXXX/paypalcredit  XXXX, MD XXXX XXXX/XXXX Inquiry from XXXX XXXX, 2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have requested that the credit bureaus remove an incorrect address from my credit report. It still remains on my profile regardless to the requests.

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 2020-06-20
Company: Early Warning Services, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was defrauded a laptop and {$600.00} money transfer through XXXX XXXX  by Zelle today on XX/XX/2020 through online selling ( I am the selling my laptop ). I did transfer money first through another cash app, which stopped the transaction ( Probably through its fraud report database ), so the scammer asked me to transfer money through Zelle ( I guess it is where scammer know can certainly get away with ). I did send the money through XXXX   XXXX  by Zelle, and after I realized it is a fraud, which was ONLY 20 minutes later since the scammer keep asking me to send money. I contacted XXXX first, and XXXX customer service said they can not do anything, it is the Zelle 's policy, and I should contact Zelle ( It  seems that XXXX is no responsible for XXXX XXXX ), and XXXX is even not trying to help me contact the receiving bank or report the scammer 's account to the receiving bank. Ironically, the same response happened when I contacted Zelle, Zelle said they can not do anything again, and I should contact the bank XXXX. I was a loyal customer with XXXX XXXX  by Zelle, so I can be both. However, it seems that both of them did a TERRIBLE job in dealing with the fraud and how to better protect consumers or at least how to formalize the process. They did terrible job on protecting customers, second they did not have the good fraud data system to protect consumers. They should at least give customer a one hour or 3 hour protection time etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: IL
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 am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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